Questions to Ask When Searching for Motorcycle Insurance

Warmer days on the horizon means it is about time to cut down to two wheels. Though only half of the wheels of a typical car, motorcycles are certainly not only half of the price. As with all vehicles, insurance coverage is required in order to take to the open road. Motorcycles are considered their own type of vehicle and are given their own category of insurance. On the upside, this allows for the likelihood that it will be much cheaper than typical auto coverage. The professionals of TAB Insurance Agency LLC, serving the Austin, TX area, can help you with common questions to ask when searching for motorcycle insurance.

What Must I Have?

Motorcycle insurance state minimums are the same for motorcycles as for other automobiles. For Texas, that is $30,000 per person for injuries, with a cap of $60,000 per accident, and $25,000 for property damage. 

What Should I Have?

A lot of that depends on your means. There are many additional elective policies that can be added to your minimum coverage for protection to your own vehicle for circumstances outside of your control. For example:

Personal Injury Protection (PIP)

Usually included in the standard minimum packages offered, PIP coverage is optional. However, you usually have to opt-out of this rather than opt-in. This standard PIP protection offers you $2,500 of coverage in the event that you are not at fault in an accident and the other driver does not have coverage.

Uninsured/Underinsured Motorist Coverage

This coverage ensures that you do not have to pay out-of-pocket for an accident caused by someone who lacks coverage, or a sufficient amount for the damage.

Contact the professionals of TAB Insurance Agency LLC, serving the Austin, TX area, to discuss your motorcycle insurance needs, today!

Variables To Consider Before Purchasing Boat Insurance

TAB Insurance Agency LLC is a full-service independent insurance agency that serves people throughout Texas. Our primary goal is to help our clients find affordable insurance rates. We hope to establish successful long term relationships with all of our clients.

Boat Insurance

Many people in Austin, TX and other parts of the state enjoy riding on their boats during hot summers. Boat insurance helps cover a boat if it is somehow damaged or stolen. We recommend that all of our clients purchase boat insurance so that they can enjoy their water sporting habits without worrying about a potential accident. Here are some things to consider as you research a policy.

Type Of Boat

Your policy may vary according to the type of boat that you have. If you have a smaller, faster boat, the risks are different compared to a larger and slower boat.

How Often You Use The Boat

Think about how often you use the boat, as well as some of the activities that you do. If you use your boat regularly, that will require different insurance compared to using your boat once or twice a month. If you have special accessories on your boat, you may need to purchase additional coverage.

The Location

The location where you are using your boat has an impact on your policy. In some places the water is more turbulent than other places. If you plan to use your boat to travel long distances, that is another factor that you must take into consideration.

History Of Safe Boating

If you have a history of safe boating, that can assist you as you search for different rates. Having several years of boating experience is an asset.

Find The Right Boat Insurance Policy With TAB Insurance Agency LLC

At TAB Insurance Agency LLC, we will sit down with you and go over different policy options. Head to our website to learn more information about how we serve the Austin, TX area and beyond.

5 Auto Insurance Questions to Ask Your Agent

When it comes to auto insurance, having the right policy is very important. If you don’t have a good policy from a trusted company, you could find that your level of coverage isn’t what you’d really like to have. Fortunately, at TAB Insurance Agency LLC, we’re committed to making sure all our Austin, TX clients have the insurance policies they need to properly protect their vehicles. With that in mind, here are five questions you should be asking your car insurance agent, so you can get the policy you need and be an informed consumer.

1. Does the kind of car you have affect the type of policy you can get?

2. When should you consider a review of your car insurance policy?

3. Can your agent answer all the questions about policies so you can make an informed choice?

4. Who is covered on your policy and is anyone excluded from coverage?

5. Who can you talk to if you need quick answers or you have to make a claim?

The more you know about the auto insurance policy you have or are getting, the better off you’ll be. If you’re in the Austin, TX area, TAB Insurance Agency LLC can give you the information you need to get the right policy for your vehicle. Come see us today, or give us a call, and let our agents help you get your vehicle insurance questions answered the right way. You deserve a good quality policy from a company you can trust, with agents who will be there to help you. We want to make sure you get all of that when you come to us. Our agents want to be sure your vehicle is properly covered, and you can enjoy peace of mind while driving it, no matter where the road takes you.

When is Boat Insurance Required in Texas?

The Austin, TX area is a very popular place for anyone to live if they would like to be in a location with great weather and a lot to do. One activity that many people in this area can enjoy is going out on a boat on a hot summer day. If you are going to purchase a boat in Austin, it is important to consider your insurance needs. There are several situations when a boat insurance policy could be required. 

Lender Requires Coverage

The cost of a boat today can be quite significant. Fortunately, there are many different lenders out there today that are willing to offer great deals on boat loans. While this can provide you with a convenient financing solution, they do come with some additional requirements. One thing that boat loan borrowers will need to do is have boat insurance. A quality boat insurance policy is required to ensure the lender’s collateral is covered. 

Local Liability Requirements

Depending on where you want to use your boat, you may need to comply with local requirements. Some lakes and marinas in the area are going to require all users to have boat insurance. With this coverage, you can ensure others that you are able to pay restitution if you were found to be at fault in an accident. 

When you are looking to get a new boat insurance policy, a great company to speak with is the TAB Insurance Agency LLC. At the TAB Insurance Agency LLC, the team of insurance professionals will be dedicated to helping you get into a boat insurance policy that provides the best coverage possible. This will ultimately provide you with protection to repair or replace your boat or give coverage if you are at fault in an accident. 

FAQs About Texas Home Insurance

It is normal to have questions when purchasing a home insurance policy. After all, you want to make sure you are protected and each state can be different when it comes to coverage. At TAB Insurance Agency, LLC, we want to make purchasing an insurance policy simple and easy to understand for all of our customers in Frisco, TX and the surrounding areas. Here are some common questions about Texas home insurance.

Frequently Asked Questions About Texas Home Insurance

  • Am I legally required to have home insurance in the state of Texas? No, not by any laws. However, you are likely required to keep a homeowner’s insurance policy to get a mortgage on your home, to begin with. 
  • What does home insurance cover? The answer depends on the specific policy. There are many levels of homeowner’s insurance you can purchase and your policy should have the coverage limits clearly written. You should know that homeowner’s insurance does not cover natural disaster floods, mold, and pest control in most cases. Discuss your options with your insurance company. 
  • How do I know how much home owner’s insurance I need, and what coverage to add? Deciding if you want to add certain coverage like flood or wind is a personal choice, but we can say that additional coverage is typically well priced, easy to pay with your initial coverage, and worthy of the investment. 

Call us at the TAB Insurance Agency, LLC if you are looking to purchase a new home insurance policy in Frisco, TX or if you want to upgrade your current policy. We take pride in protecting our clients with insurance coverage that is easy to purchase, and easy to read. Call today. 

How much motorcycle insurance do you need in Texas?

The number of fatalities caused by traffic accidents has been on the decline in Austin, TX. Still, you should not drive around town without insurance. The average motorcycle costs about $50,000 to purchase and thousands more to maintain. Your accessories are also expensive, which means that you need more than a standard auto insurance policy to protect all of your investments. The TAB Insurance Agency can help you find the motorcycle insurance plan that is right for your lifestyle. 

How much motorcycle insurance do you need?

The state of Texas requires all drivers to show proof of auto insurance that provides at least $30,000 for bodily injury per person, $60,000 per incident, and a minimum of $25,000 for property damage per occurrence. There are no strict requirements regarding uninsured motorist protection, but it would be a good idea to purchase such coverage, seeing as how Texas is a "fault" state. You may find yourself in a legal battle that does nothing to fix your motorcycle if the person who is at fault in the accident does not have the proper protection to pay for all damages. 

You need more than basic coverage

Your compliance with state law could indeed save you money on insurance. You need more than the bare minimum, however, when you have equipment that costs thousands to replace if destroyed in an accident. The best motorcycle insurance plans offer:

  • Replacement for your motorcycle
  • Upgrade options for accessories related to safe riding
  • Cool-off periods in which you can pay less for insurance when your bike is in storage

Contact us for a quote!

TAB Insurance Agency has qualified agents who can explain the details about motorcycle insurance so that you can find the plan that works for your budget. Do not drive around Austin, TX without insurance! Call us today to get started with a quote for coverage!

3 Maintenance Tips to Keep Your Texas Roof in Good Condition

Homeowners in Austin and Frisco, TX have to make significant roof repairs from time to time due to the weather and climate in the area. With the temperature and direct sunlight that Texas gets regularly, roof damage can be common and expensive if it is not maintained correctly. At TAB Insurance Agency, LLC, we have three maintenance tips for our customers to help keep their roof in good condition. 

How are your shingles?

It is critical to do an annual roof inspection. Excessive sunlight over time can cause damage to your shingles. Before the weather starts to get too warm, it is best to give your shingles a thorough inspection and replace any that are damaged. Look for cracks or decayed shingles that are serving no protection for your home and have them replaced.

Include a Roof Coating

In order to directly combat the UV rays coming in from the sun daily, you can have a roofing contractor go and complete a roof coating service. This system is applied once every 10 or 15 years and is able to redirect the UV Rays and go directly over your original roof. 

Change your roof

If the asphalt shingles are too hot and continually damaged by the sun, then it may be time to consider a different material for your roof. Choosing something like tile that is much cooler in temperature will also shift the heat from the UV rays from your roof, decreasing the interior temperature of your home and the damage done to your roof. 

Get coverage for your Austin or Frisco, TX home today!

If you need to update your home insurance today, contact our agents at TAB Insurance Agency, LLC for more information about our home insurance options.

What You Need to Know About Car Insurance in Austin, TX

Moving to Austin, TX, or purchasing a car there for the first time? You’re probably wondering what type of car insurance you’ll need. While Texas Law mandates liability coverage, you may have to obtain additional coverage depending upon your situation. For example, if you take out a car loan, you may need to add comprehensive and collision coverage to your policy.

Purchasing a Vehicle

If you currently live in Austin, TX, and recently purchased a new or replacement vehicle, you may not need to take out a new policy right away. You can transfer your existing policy to a replacement vehicle if you’ve traded in your old one. However, you’ll want to check with your insurance agent to make sure your existing policy meets coverage requirements for the replacement vehicle. When you purchase a new, additional car, it will be covered by your current policy for 20 days.  

Coverage Types

Car insurance policies in Austin, TX, available from agencies like TAB Insurance Agency, LLC, can contain one or more coverage types. Those types include:

  • Liability
  • Collision
  • Rental reimbursement
  • Roadside assistance and towing
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist

Before making a decision on which types of coverages to add to your policy, you’ll want to speak to an insurance agent about your situation and needs. If you’ve taken out a car loan, check with your lender for coverage requirements. If you decide only to take out liability coverage on your vehicle, Texas Law requires a minimum of 30/60/25 coverage. This includes $30,000 for injuries, $60,000 for each accident, and $25,000 for property damages. 

Ready to learn more about your car insurance options? Contact TAB Insurance Agency, LLC now! 

When Do The Worst Boating Accidents Happen?

The region around Austin, TX is a haven for fans of boating, but the water can also be a hazardous place. TAB Insurance Agency, LLC writes enough boat insurance policies to know that certain conditions are more likely to cause an accident. When are you more likely to get into a boating accident?

During A Holiday

Particularly during warm weather holidays, such as the Fourth of July, when crowds descend upon local lakes and waterways. Larger crowds mean more people out on the water, congesting space and making collisions more likely. While heightened boat traffic alone is risky, so is the increased usage of intoxicants. Boating While Intoxicated citations always increase over long holiday weekends. So too do drunken accidents. Drunk boaters are also more likely to make dangerous decisions, such as not wearing a personal inflatable device or allowing passengers to sit or stand in an unsafe manner while the boat is in motion. These factors contribute to holidays being one of the most dangerous times to be on the water. 

During or After Poor Weather

Bad weather is more hazardous for certain types of vessels than others. Inexperienced drivers boating in extreme weather can be a recipe for disaster. Certain seasons can be unpredictable, so it’s important for boaters to be prepared for any change at any time. But hazards can lurk even after the storm has passed. Particularly after heavy rains, when silt and tree debris can shift and become hidden traps under murky waters.

If you’re considering boating in these conditions, think about getting boat insurance. Not only could it protect your assets in case you are found liable for an accident, but it could also cover you in case another liable boater is uninsured. TAB Insurance Agency, LLC is here to serve all Austin, TX boaters!

How Do You Insure Both a Motorcycle and an Automobile?

If you live in Texas and you have or are considering getting an auto and a motorcycle, here are some tips that will help. Work with your agent at TAB Insurance Agency, LLC serving Frisco, TX and the surrounding communities, to make sure you get adequate insurance coverage.

Minimum Auto Insurance Coverage Limits

Texas has minimum auto insurance requirements for injuries. These minimums are both for each person who is harmed ($30,000) and in total for each accident ($60,000). There is also a minimum requirement for damage to property ($25,000).

Typically, auto insurance also comes along with personal injury protection (PIP) of $2,500, which may help if the person who caused the accident in driving illegally without proper insurance. PIP coverage is optional; however, it will be included unless you actively take steps to reject this extra protection.

Minimum Motorcycle Insurance Coverage Limits

The minimum insurance requirements for motorcycle insurance are the same as for autos, which are injuries ($30,000), the total for each accident ($60,000), and damage to property ($25,000). PIP does not come with motorcycle insurance unless you request it.

More than the Minimums

Getting just the minimum coverage is not enough for most people. The minimum insurance requirements do not adequately cover the vehicle of the driver that caused the accident. It is a better idea to cover your auto and motorcycle with comprehensive coverage for the cost of replacement repairs if it becomes damaged.

Additionally, Texas is an “at-fault” state. This means that the person(s) who caused the accident can be held responsible for the cost of all the injuries and damages, even if these costs exceed insurance coverage limits.

Conclusion

Be sure to get adequate coverage to reduce financial risk and the vulnerability of losing a lawsuit for causing an accident. Contact your agent at TAB Insurance Agency, LLC in Frisco, TX by calling 972-377-9464 to get an insurance review and a quote for motorcycle and auto insurance.