Home Insurance Coverage Prevents Losses From Liability

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Having the right home insurance is vitally important to protect homeowners from liability. A home policy’s primary function is offering protection if there’s a liability claim. Anyone currently looking for top-quality home insurance can count on the experts at TAB Insurance Agency LLC, serving the residents in and around the Austin, TX, area.

Home Insurance Protection 

In the event of a liability claim, a policyholder’s home insurance will cover the event if it meets specific guidelines. Selecting the correct type of home insurance and understanding the terms and conditions outlined is important. Individuals currently looking for home insurance can count on our agents to clearly explain these terms and conditions and ensure each individual understands.

A home insurance policy protects the homeowner against risks such as slips, falls, damage to property, or even animal attacks. Our agents are highly trained to assess each individual’s situation and suggest insurance policy options that meet or exceed those needs.

Getting the right insurance helps prevent gaps and coverage, and losses. Our agents will help customers shop for the right policy, assist with any changes over the policy’s lifetime, and even assist with claims submissions. Our goal is to provide full-service customer care to help them protect the things that matter most.

Reach Out Today 

Anyone living in or around Austin, TX, should contact our office for more information.TAB Insurance Agency LLC is a full-service Insurance Agency dedicated to helping local residents protect their property and themselves with high-quality, reliable Insurance products. Call today to get started and feel secure knowing the protection is in place.

Safe driving tips for motorcycle riders

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As a motorcycle rider in the Austin, TX area, it’s important always to be aware of your surroundings and take proper safety precautions. It can be easy to get carried away while riding, but there are specific steps that you can take to ensure the best possible outcome for yourself.

Here are some safe driving tips for motorcycle riders from TAB Insurance Agency LLC:

  1. Wear protective gear – Make sure you’re wearing all the necessary riding gear, like a helmet, gloves, boots, and reflective clothing.
  2. Be aware of blind spots – Motorcycles have many blind spots that drivers often overlook when they share the road with cars and trucks.
  3. Always be conscious of your surroundings and look over your shoulder before changing lanes.
  4. Remove distractions – It’s important to focus on the road while riding, so remove any potential distractions such as music or cell phones.
  5. Be visible – Make sure that other drivers can always see you by wearing bright colors, reflecting striping, and reflective tape.
  6. You should also use your lights during the day and night for extra visibility.
  7. Follow traffic laws – Always obey the speed limit, use turn signals when indicated, and always come to a complete stop at red lights and stop signs.
  8. Stay alert – Avoid driving while fatigued or under the influence of drugs or alcohol, as these can impair your judgment and reaction time.
  9. Check your bike regularly – Check your motorcycle before every ride to ensure it’s in good working order. Check tires, brakes, lights, and other components.

Call us at TAB Insurance Agency LLC today for more safe riding tips. We proudly serve the Austin, TX area. 

Homeowners’ Insurance – Don’t Be Without It

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Do you live in or around the Austin, TX area? Are you a homeowner? The TAB Insurance Agency LLC can provide the coverage you need to protect your most valuable asset.

Why is homeowners insurance important? Because it protects the home and personal property of the owner. In the event of a total loss, insurance becomes the primary source of money to rebuild. Also, liability protection is provided for any legal action resulting from injuries to a visitor.

A standard homeowners policy provides coverage to replace or repair your home and its contents. It includes damage resulting from theft, vandalism, smoke, fire, or a weather event such as wind or hail.

One of the most critical aspects of homeowners insurance is the level of coverage. No need to pay for more than you need. HO-2 is the most common level of coverage, which protects against 16 perils as outlined in the policy.

Several things determine the cost of the premium.

  • Additional coverage purchased
  • Amount of coverage
  • Amount of deductible
  • Credit history
  • Home’s age and condition
  • Home security and safety features
  • Price of the house and cost to rebuild it
  • Your location

Some things are not covered by a homeowners’ insurance policy.

  • General wear and tear
  • Bird and rodent damage
  • Mold
  • Poor artistry
  • Rot
  • Rust
  • Smog or smoke from industrial or agricultural operations
  • Termites and insect damage

It is mandatory that when a mortgage is carried on the property, it is insured so the insurer’s interests are protected. But even if the property is mortgage-free, it should be insured to protect the assets and equity of the homeowner.

Make sure your most valuable asset is protected. Contact the TAB Insurance Agency LLC today for a no-obligation quote. You will be glad you did.

Safety tips every driver should know

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It’s no secret that car accidents happen all the time. In fact, according to the National Highway Traffic Safety Administration, there are more than 6 million car crashes in the United States every year. And while many of these accidents are just minor fender-benders, others can be deadly.

That’s why drivers need to know and follow these two key safety tips. Doing so can help reduce your chances of being involved in an accident, and if one does occur, you’ll be better prepared to handle it safely.

1. Be aware of your surroundings

One of the most important safety tips for drivers is to be aware of their surroundings. This means being aware of other cars, pedestrians, cyclists, and road conditions. By being aware of your surroundings, you can reduce your chances of collision.

In particular, you should always be on the lookout for pedestrians and cyclists who may not be paying attention to traffic. You should also be aware of intersections, especially when making a left turn.

2. Keep a safe distance from other cars

One of the best ways to avoid accidents is to keep a safe distance from other cars. This means leaving plenty of room between your vehicle and the car in front of you and not following too closely.

Keeping a safe distance will give you more time to react when the car in front of you slows down. You’ll also be less likely to run into the car in front of you if it happens to swerve or brake suddenly.

If you have questions about car safety or insurance, give TAB Insurance Agency LLC a call today. We proudly serve the Austin, TX area.

How to Protect Your Boat From Severe Weather Damage

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Severe weather can damage your boat in many ways. High winds can break moorings, heavy rains can cause flooding, and thunderstorms can produce dangerous lightning. Before severe weather hits, take these tips from Austin, TX’s TAB Insurance Agency LLC to protect your boat.

How to prevent storm damage to your boat

If you live in an area prone to severe weather conditions, it’s important to take measures to protect your boat from storm damage. The first step is to identify a safe storage location for your boat. This may be a garage, shed, or other covered structure on your property. If you don’t have a suitable storage option on your property, you may need to rent space at a local marina or storage facility.

Once you have a safe storage location for your boat, take the time to clean and winterize it before the start of the storm season. This will help to prevent damage from salt water and cold temperatures.

If a storm is forecasted, take action to secure your boat. Remove loose items from the deck and secure them inside the cabin or storage area. Double-check all lines and anchors to make sure they are secure.

Taking these steps to protect your boat from storm damage will help ensure you can enjoy many years of boating pleasure.

Does boat insurance cover storm damage?

If you have comprehensive boat insurance, your policy will likely cover storm damage. That said, it’s important to check with your insurer to be sure, as coverage can vary. It’s also worth noting that while your boat insurance may cover storm damage, it likely won’t cover damage caused by flooding, so it’s important to understand the difference.

TAB Insurance Agency LLC is a full-service insurance agency serving Austin, TX. We offer a wide range of products and services, including boat insurance. Contact us today to learn more about our boat insurance coverage options.

Why Do You Need Motorcycle Insurance?

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Though you may be trying to save money where you can, the truth is that sometimes you can’t skimp and save. One of these is with your motorcycle insurance. 

Here are some reasons why you need motorcycle insurance. 

  • The law requires it. Most states require that everyone on the road has insurance. This includes cars, trucks, motorcycles, and even RVs. 
  • If you take out a loan, they may require insurance. They want to ensure they are protected so that they may require extra insurance on your motorcycle. 
  • Motorcycle insurance will cover medical bills. If you are involved in an accident, you may be held liable for all the expenses that come along with it. This may include hefty medical bills. 
  • You may also want to consider extra insurance, which will cover the repair or replacement of your bike. Collision insurance will help you pay to get your bike back on the road if it becomes damaged in an accident. 
  • There is also insurance if your bike gets damaged due to the weather or even vandalism. Comprehensive insurance will cover the cost of repairing your bike if it gets damaged during a windstorm or if someone does something to it while it is parked in front of your home. 

If you have a bike, you need to ensure that you have some protection. Not only does the law require insurance, but your loan company may also. You also may want insurance to help you protect yourself in an accident. 

To ensure that you are fully protected, no matter what happens, you need the right insurance policy. Don’t hesitate to contact us today at TAB Insurance Agency LLC in Austin, TX.

How Commercial Insurance Covers Cyberattacks

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Whether you’re a sole proprietor or corporation in Austin, TX, you need commercial insurance. Also known as business insurance, a policy protects your organization’s property and personnel. Plus, specific versions of this insurance cover damages due to cyberattacks.

What are Cyberattacks?

Cyberattacks are unwelcome maneuvers targeting data servers, networks, or personal digital devices. Today, cybercriminals go beyond stealing or damaging data. For example, ransomware attacks take hostage computer data and infrastructures until payment is made. These activities cost companies and governments billions of dollars annually.

What Insurance Covers Cyberattacks on Businesses?

According to the TAB Insurance Agency LLC experts, companies should purchase cyber insurance that offers broad protections to help businesses recover from various technology-related risks. A standard policy covers financial losses due to cyberattacks. Furthermore, it helps pay for privacy investigations or lawsuits following an attack, as well as legal fees and settlements if a customer or employee sues your company.

Data Breach Insurance

Some companies bundle data breach insurance within a cyberattack policy while others keep it separate. In their case, it should be included in your portfolio since it responds to a breach of personally identifiable information (PII) or personal health information (PHI) being damaged or stolen. It’s useful if the issue is related to a cyberattack or if the information is accidentally removed and cannot be retrieved. 

Small businesses receive added benefits with a data breach policy. It helps cover the costs of notification, hiring a PR firm, and offers credit monitoring to affected parties. 

There’s more to understand about cyberattack insurance for an Austin, TX business. If you want to consider one, speak to a TAB Insurance Agency LLC representative. 

Updating Your Home Insurance When You Renovate or Remodel

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When you update your Austin, TX home by either remodeling or renovating it, you’ll also need to update your home insurance with TAB Insurance Agency LLC.

Actually, you need to update your policy twice. First, you add construction insurance by endorsement or as a separate policy. That covers the workers who enter your home for liability. They also need to carry insurance, but their insurance covers their liability. Some of these policies also cover shoddy work, but not all, so ask us about coverage first.

Once they’ve finished the work and your home undergoes inspection from the code enforcement office in your city, you’ll update your primary policy. It would help if you covered the changes made to your home. This second policy change insures your home at its new appraisal level.

Here’s how it works.

You purchased your home for a specific price and insured it at that value. When you remodel or renovate, you must re-insure the house for greater value. Otherwise, if a fire or other peril occurs, you’d only get reimbursed for the value of the home as you purchased it. Imagine losing the $25,000 you paid for a new roof and a remodeled kitchen! That’s exactly what would happen.

On the other hand, when you insure the home at the newly appraised value, you ensure that your insurance fully covers the cost of the home’s replacement.

Contact Us Today

TAB Insurance Agency LLC can help you with the temporary construction insurance and the updated coverage for your renovated or remodeled Austin, TX home. We serve the Austin, TX metropolitan area, so you can purchase coverage from us if you reside in Cedar Park, Round Rock, or Leander. Call us today.

What Are Some Tips For Saving On Motorcycle Insurance?

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Motorcycle riders can save money on insurance by purchasing liability coverage. This policy covers any property damage or injuries you cause in an accident. You can also save money on motorcycle insurance by increasing your deductibles, purchasing an additional collision or comprehensive policy, or installing an anti-theft device. For help in Austin, TX, consult TAB Insurance Agency LLC. 

Saving Tips for Motorcycle Insurance 

Motorcycle insurance rates depend on the bike’s model and year, age, driving record, and other factors. First, shop around and compare rates from at least three different insurers. Second, let your insurer know if you plan to leave the bike parked for an extended period. Many insurers offer reduced rates for motorcycles that are not driven often. Third, talk to your insurer about purchasing a policy with a non-standard rate. Policies with standard rates tend to be higher than non-standard rates, which can help you save money. 

One of the best ways to save on motorcycle insurance is to maintain a clean driver profile by keeping accidents and ticket-free for the last several years. You can also save money on motorcycle insurance by increasing your policy’s liability limits, decreasing your annual mileage, and getting Motorcycle ERP if you use public transportation frequently. Finally, you can save money on motorcycle insurance by choosing the right motorcycle. 

Motorcycle insurance is much more risk-focused than car insurance, so it’s essential to put safety first. Keep your bike well-maintained and track its mileage. You can also take advantage of safety features like anti-theft devices and alarm systems. Most importantly, always wear a DOT-approved helmet, as they are proven to reduce the risk of head injury by up to 69%. 

Parting Words 

Purchase a collision or liability policy instead of purchasing a comprehensive policy. This will reduce your costs. Buy a motorcycle that has the lowest insurance rate. Stay risk-free by purchasing motorcycle insurance with a Motorcycle endorsement. For help in Austin, TX, consult TAB Insurance Agency LLC.

Why collision coverage is an important part of your auto policy

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If you are a driver in the Austin, TX metro area, you can count on the folks here at TAB Insurance Agency LLC for all of your auto insurance policy needs. If you want to make sure that you have the collision coverage you need, give us a call today.

The importance of collision coverage

Having the right auto insurance can help ease your stress if you are ever involved in an accident. While you are dealing with auto repairs and possibly medical treatment, knowing that you have the proper protection can help to ease your mind. With an auto policy with robust collision protection, you could be covered for your auto repairs and property damage. 

Without the right collision insurance, you can be held financially liable for the cost of repairs to your vehicle and any property damage caused by the accident. In some cases, you could also be responsible for the cost of damage to other cars. The last thing that anyone wants to deal with after recovering from an auto accident is a lot of bills and the stress that comes with them.

Find out today if you have the collision protection that you need. This part of your auto policy can significantly impact your financial well-being if you are ever involved in a serious accident. It’s always a good idea to review your insurance to see that you have the protection you need.

Call or stop by today!

Austin, TX area drivers can rely on the TAB Insurance Agency LLC team for all of their insurance needs. If it’s time for you to upgrade your current policy or purchase a new vehicle, we can help. Give us a call or stop by today!