Tips to prepare your boat for a storm

Preparing your boat for a storm is a crucial step to ensure your and your vessel’s safety here in the Austin, TX area. Here are some tips from us at TAB Insurance Agency LLC to help get you ready: 

  1. Clean the Boat – Before a storm, it’s important to give your boat a good cleaning, removing any excess dirt or sediment that could cause damage during the storm. 
  2. Check all Equipment – Ensure all equipment on board is functioning correctly, including lights, trailers, anchors, and other safety equipment. 
  3. Secure Items – Move all loose items away from the boat’s sides and secure them with bungee cords or straps to prevent them from becoming projectiles during a storm. 
  4. Lower Anchors – If possible, lower two anchors far enough apart to hold the boat in place against strong winds and waves during a storm; tying off somewhere solid is also vital for extra stability. 
  5. Check for Damage – Once you have taken steps to secure your vessel, check for any visible signs of damage, such as dents or missing parts that may need repair, before taking the boat out again. 

By taking these steps in advance, you can rest assured knowing that your boat has been well-prepared for whatever nature throws at it during a summer storm season! For more tips, call us at TAB Insurance Agency LLC today. We are proud to serve the Austin, TX area. We can help keep you and your boat safe, and can help you find an insurance policy for your boat that meets both your needs and your budget.

Who needs auto insurance in Texas?

The Austin, TX area continues to be one of the quickest-growing parts of the country. For those who want to enjoy the area as much as possible, getting insurance must be considered a necessity. There are a lot of situations when a car owner and driver will need insurance coverage here. 

All Motorists Need Insurance

A situation when you need to have auto insurance will come when you want to drive a car. Like in other states, Texas drivers need liability coverage whenever they take their vehicle out on the road. Without this coverage, you would violate state law. This could result in various repercussions, including the loss of licensure and financial penalties. 

Owners or Lessors Looking for Financial Protection

It can also be a good idea to get auto insurance when you want to have financial protection. Those looking to drive a car would like to know if they have coverage if they were victims of theft or accident damage. Further, there is a risk you could be required to pay a lot to cover damages if you were at fault in an accident. The best way to mitigate this concern is by getting an auto insurance plan with comprehensive insurance. 

Anyone looking to own a car in the Austin, TX area will want to get the right auto insurance plan for their situation. You will need to make many choices when looking for coverage, and our TAB Insurance Agency LLC team can help you build your own policy. Ultimately, our professionals with TAB Insurance Agency LLC work hard to ensure you get into a plan that you are happy with. 

Boat insurance Questions

If you are a boat owner, it is crucial to understand how to care for and protect your boat. One of the ways you can protect your boat is with insurance. With all of the options around, how do you know what you need? Below, we will answer that question and other frequently asked questions about boat insurance.

Frequently asked questions about boat insurance.

Here are the most commonly asked questions about boat insurance:

How do I know what boat insurance I need?

The best way to find out what you need for your boat is to talk to your insurance company. At TAB Insurance Agency LLC, we can help you determine the best coverage for your boating needs.

What does boat insurance not cover?

Boat insurance may cover a lot, but there are some things it doesn’t cover.

  • Maintenance
  • General wear and tear
  • Damage from animals
  • Mold
  • Insect damage

Does boat insurance cover hitting a dock?

It depends on your policy. Some policies don’t cover you if you hit a dock, while others do. Even if your insurance company doesn’t cover hitting a dock, you might still be able to purchase separate coverage for docks.

What are the two types of boat insurance?

There are two main types of boat insurance: Agreed value and actual cash value. Agreed value is the amount the insurance company and the boat owner agree on when the insurance policy is purchased. The actual cash value takes into account depreciation and is the cash value of the boat at the time of the claim.

Contact TAB Insurance Agency LLC

Stop by or contact us at TAB Insurance Agency LLC in Austin, TX to get an insurance quote.

Home Insurance Coverage Prevents Losses From Liability

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

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

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

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

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?

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

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.