Do You Need to Change Recreational Insurance When You Move States?

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At SWH Insurance Agency LLC in Fort Worth, TX, we understand how stressful moving to a new state can be. Even if you’re excited about the move, it involves so much packing, unpacking, paperwork, and stress that the fun of going somewhere new can get lost in the process. While it might not be the first thing on your moving to-do list, ensuring that your insurance coverage is still valid and updated when you move should be a priority. The last thing you want is to find out that your insurance coverage isn’t valid anymore when you move to a new state.

In some circumstances, you may need to change insurance coverage. While every insurance policy is different, we can provide some general guidelines for what you can expect for your recreational insurance when you move states. As you’ll see, the answer can get complicated, so it’s always best to discuss it with an agent at our office.

Do You Need to Change Recreational Insurance When You Move States?

Recreational insurance may or may not need to be switched when you relocate to a new state. Depending on where you are moving from, your coverage might be able to stay the same. If your insurance provider is not licensed in the new state, you’ll almost definitely need to change coverage. If your insurance doesn’t meet the minimal legal requirements, you also might need to switch. Many clients also like to switch to a local provider for convenience, so you don’t legally need to change it to make the shift.

For information on recreational insurance, contact us at SWH Insurance Agency LLC in Fort Worth, TX.

Understanding Escort Vehicle Insurance Essentials

Posted on by Damien Spillers

What is Escort Vehicle Insurance?

Escort vehicle insurance is a specialized type of coverage designed to protect vehicles used to guide oversized loads on the road. These vehicles play a crucial role in ensuring that wide or tall transports, such as mobile homes or large construction equipment, reach their destinations safely.

The Importance of Escort Vehicle Insurance

Given the unique responsibilities and risks associated with escort vehicles, having appropriate insurance coverage is essential. The nature of the job often means navigating through narrow roads, managing traffic, and maintaining communication with transportation teams, all of which elevate the risk of accidents. Insurance not only protects your vehicle but also covers liabilities that might arise during operations.

Key Coverage Options

When considering escort vehicle insurance, there are a few critical coverage options you should be aware of:

  • Liability Coverage: This covers any damages or injuries you might cause to third parties while performing your escort duties.
  • Physical Damage Coverage: Protects against damage to your vehicle, whether from accidents or other physical threats like theft or vandalism.
  • Non-Owned Vehicle Coverage: If you occasionally use vehicles you do not own in your escort operations, this can provide protection without needing a separate policy.

How to Choose the Right Policy

To select the best escort vehicle insurance policy, assess your specific needs. Consider the frequency of operations, the value of the vehicles involved, and the typical routes and terrains you navigate. It’s also wise to collaborate with an insurance agent who understands the intricacies of escort vehicle operations, ensuring you obtain comprehensive coverage tailored to your situation.

Conclusion

Escort vehicle insurance is not just a legal requirement but a practical necessity for those involved in the transportation of oversized loads. With the proper coverage, you can safeguard your business and ensure smooth operations on the road. Prioritize finding a policy that aligns with your operational demands, and you’ll have peace of mind knowing that you are protected against unforeseen circumstances.

What insurance do I need if I live in my RV full-time?

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Are you contemplating selling your home and embarking on a journey across the United States in your recreational vehicle (RV) during your retirement? This lifestyle is becoming increasingly popular, with around one million people doing so in 2024. While planning this exciting chapter of your life, it’s easy to overlook your insurance needs. However, full-time RV living in Fort Worth and other parts of the US presents unique insurance considerations.

Insurance Considerations for Full-Time RV Living

Living in your RV full-time presents several potential situations you need to protect yourself against, including fire, theft, and natural disasters. If you drive your RV (as opposed to towing it or having it permanently parked in a single lot), you’ll also need liability and collision insurance. Even if your RV is stationed at a permanent campsite, you’ll need some liability coverage to protect you against litigation costs if someone sues you for incidents like falling on your walkway or getting bitten by your dog.

Health insurance can also be a concern if you travel around the country in your RV. Many health insurance policies, including many Medicare Advantage programs, are regional. With these policies, healthcare providers outside your region are often considered out-of-network and subject to higher co-pays, if they are covered at all. It’s advisable to discuss your situation with your insurance professional.

To learn more about insuring your RV and for all your insurance needs, contact SWH Insurance Agency LLC. We’ve assisted Fort Worth area residents with their auto, home, commercial, and other insurance needs for over 20 years.

Prepare Your Home for the Bloom of Spring

Posted on by Damien Spillers

Spring is on the horizon, and with it comes the perfect opportunity to refresh and rejuvenate your living space. After the long, cold months of winter, your home may need some attention to fully embrace the new season. Here are some straightforward yet effective steps you can take to get your home ready for the bright and blossoming days of spring.

Start with a Thorough Spring Cleaning

Begin by giving your home a comprehensive cleaning. Dust and dirt tend to accumulate during winter, so dust your surfaces, clean your windows, and don’t forget those often-overlooked areas like baseboards and ceiling fans. A deep clean will not only make your space look brighter but also improve the air quality inside your home.

Inspect and Maintain Your HVAC System

As temperatures rise, ensure your HVAC system is functioning efficiently. Replace the filters, check for any issues, and consider scheduling a professional maintenance visit. A well-maintained HVAC system is not just about comfort; it can also lead to energy savings over time.

Embrace Natural Light

Longer daylight hours mean it’s time to pull back heavy winter drapes and let natural light brighten your rooms. Consider switching to lighter, sheer curtains that allow sunlight to filter through and illuminate your home. This simple change can boost your mood and give your space an airy feel.

Refresh Your Decor

Infuse your home with the colors of spring by updating your decor. Swap out throw pillows, blankets, and other accents in favor of lighter colors and floral patterns that reflect the season. Bringing in fresh flowers or houseplants can also add a touch of nature indoors, bringing life and color into your living space.

Check for Winter Damage

Winter weather can be harsh on your home’s exterior. Inspect your roof for loose shingles, clean out the gutters, and look for any signs of damage around windows and doors. Taking care of necessary repairs now will prevent bigger problems down the road.

With just a bit of effort, you can prepare your home to welcome the beauty of spring. By incorporating these strategies, not only will you create a healthier and more pleasant living environment, but you’ll also set the stage for an enjoyable and vibrant season ahead.

How Fort Worth Boaters Protect Their Floating Investments from Natural Disasters and Storms

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Is your boat adequately protected from severe weather damage, storms, and natural disasters?

Experienced Fort Worth boat owners understand how quickly local weather can change from sunny skies to threatening thunderstorms. These unpredictable weather patterns can disrupt your weekend outings on Eagle Mountain Lake or Lake Worth.

Learn how local boaters safeguard their investments from the devastating effects of natural disasters with insights from the boat and watercraft insurance experts at SWH Insurance Agency LLC in Fort Worth.

Protect Your Vessel from Natural Disasters in Fort Worth

The first step towards protecting your sailboat, kayak, canoe, cabin cruiser, or personal watercraft from severe storms and natural disasters is understanding the potential risks local boaters face. Hailstorms, tornadoes, flash floods, high winds, and extreme temperatures can all impact your boating experience.

Comprehensive boat or watercraft insurance can serve as a safety net, saving boat owners significant out-of-pocket expenses when vessels and related accessories sustain damage from high winds, hail, and extreme temperatures, leading to damage or total loss of your vessel.

A well-structured boat or watercraft policy can protect you, your passengers, and your vessels from a wide variety of perils and storm-related damage.

Consult with a trusted insurance agent to ensure your existing boat insurance policy adequately covers storm-related damages, including theft, vandalism, emergency evacuations, and liability insurance.

Don’t wait until it’s too late to protect your boat or watercraft from storm-related damage, theft, or drifting during severe weather. Learn more about optional add-on coverages, including hull damage and damage to vessels docked in marinas.

Contact a knowledgeable professional at SWH Insurance Agency LLC and review your policy today!

Navigating 2025’s Commercial Insurance Landscape

Posted on by Damien Spillers

As 2025 is well underway, staying informed about commercial insurance trends is vital for business owners aiming to protect their assets and plan effectively. Market stability coexists with challenges like rising claims costs and economic pressures, making strategic decisions more important than ever. However, with the right knowledge, you can make confident insurance choices this year. In this post, we’ll provide an overview of what you can expect across four major commercial lines of coverage in 2025.

Commercial Property Insurance: The impact of Hurricanes Helene and Milton on reinsurance pricing remains a pressing concern. While premiums are expected to remain stable, the sharp price hikes seen in 2023 are unlikely to recur. Accurate property valuations are critical, yet only 43% of business owners have taken this important step. To mitigate risks associated with underinsurance, businesses should regularly assess their assets’ valuations, potentially by working with professional appraisers or using valuation software tools.

General Liability Insurance: Modest rate increases are expected as insurers adopt cautious underwriting practices due to rising claims costs. Reviewing liability limits is essential to ensure adequate protection against emerging risks. Businesses can evaluate their coverage needs by working with brokers to identify potential coverage gaps and by regularly updating liability limits to suit their specific industry risks.

Commercial Auto Insurance: Ongoing profitability challenges for insurers in the commercial auto sector are driving many businesses toward the excess & surplus (E&S) market. To navigate policy renewals, explore cost-effective options that maintain fleet coverage without sacrificing quality. Businesses can benefit from bundling policies, increasing deductibles, and utilizing telematics to track vehicle usage and safety.

Workers’ Compensation Insurance: Over the past two decades, businesses have benefited from stable or decreasing rates in workers’ compensation insurance. Reviewing policies if there have been workforce changes, such as hiring, layoffs, or shifting roles, ensures that your business takes full advantage of potential cost savings. Additionally, implementing effective return-to-work programs can further reduce costs.

The commercial insurance outlook for 2025 presents both opportunities and challenges. Prioritize policy reviews and proactive planning to stay ahead of the trends, ensuring your business remains resilient in an ever-evolving landscape.

If You Have Home Insurance, Do You Need Flood Insurance?

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If you own a home, you likely know that having home insurance is essential. What you may not know, however, is that it’s also essential to have flood insurance. When you have one but not the other, you could be in a lot of trouble if there is a damaging incident. If you have home insurance but have skipped the flood insurance policy, it’s time to get one. Call us at SWH Insurance Agency LLC in Fort Worth.

Understanding Home Insurance and Flood Coverage

When you get your home insurance policy, it protects your home against various damaging incidents. From many disasters to accidents, calamities, and other incidents, you can be well-covered with one of these policies. The problem is that these policies don’t protect you against flooding. When there is a flood, home insurance won’t pay anything toward the massive damage that the water can cause. A serious flood can even lead to the need to rebuild all or part of a home. This is why it’s so vital to have flood insurance in addition to your home policy. Never go without it.

The Role of Flooding and Flood Insurance

Flood insurance is backed by the National Flood Insurance Program, guaranteeing available funding after a flood. This program is government-backed and will be there in the event of a flood. Even if you don’t live in a flood zone, these policies are needed. If your home is in a flood zone, these policies are generally required for you to have. But even if it isn’t, there are countless floods that happen outside these zones. Virtually any area can flood.

Secure Your Flood Insurance with SWH Insurance Agency LLC

If you haven’t gotten your flood policy yet, don’t wait. To get started with a policy to protect yourself, call us at SWH Insurance Agency LLC in Fort Worth.

What are the Benefits of Comprehensive Auto Insurance Coverage?

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Comprehensive car insurance is more expensive than basic auto insurance coverage. Additionally, you aren’t legally required to buy this form of insurance. However, there are some good reasons why Fort Worth drivers should consider comprehensive coverage.

What’s Covered Under a Comprehensive Car Insurance Policy?

Comprehensive car insurance covers damage to a vehicle that isn’t related to a vehicle collision. This includes:

  • Damage or loss caused by inclement weather, including hurricanes, earthquakes, and floods. This is important because nearly 40% of Fort Worth’s properties are at risk of flooding.
  • Theft of a vehicle or vehicle parts. In 2023, over 115,000 vehicles were stolen in the Lone Star State. In fact, Texas had more vehicle thefts than any other state in the nation except California.
  • Damage caused by a collision with an animal
  • Broken windshields and damage from falling objects, such as rocks and debris

What Isn’t Covered by a Comprehensive Car Insurance Policy?

Comprehensive car insurance doesn’t cover damage to or loss of personal belongings in your vehicle. Additionally, it doesn’t cover damage caused by hitting a pothole. It’s also important to note that the amount of compensation you’ll receive after an accident depends on the policy’s terms, conditions, and deductible.

Find out More from SWH Insurance Agency LLC

If you own an expensive vehicle or live in an area of Fort Worth with a high crime rate, you’ll want to ensure your vehicle is always fully protected. At SWH Insurance Agency LLC, we help drivers assess their coverage options and find a policy that meets all their needs. We sell both standalone policies and policy bundles to keep your insurance costs to a minimum. Call us to find out more or to get policy quotes.

What Happens If You’re in an Accident While Living in Your Motorhome?

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Living in a motorhome offers a unique sense of freedom and adventure, allowing you to explore new destinations while enjoying the comforts of home. But what happens when you’re involved in an accident while living in your motorhome? Serving the Fort Worth area, SWH Insurance Agency LLC offers the coverage you need to stay protected during your travels.

Understanding Motorhome Insurance

Living in a motorhome comes with both risks and rewards. As your place of residence, you risk becoming homeless if your motorhome is involved in an accident that causes significant damage. Motorhome insurance is designed to safeguard your investment and provide peace of mind. As each person’s coverage needs are unique, your insurance agent will build a policy that aligns with your needs and legal requirements.

Steps to Take Immediately After an Accident

If you’ve been involved in a motorhome accident, it’s important to act fast. Once you’ve checked yourself and your passengers for injuries, you’ll want to contact authorities and file a police report. Take time to document the scene, which should involve taking plenty of detailed photos and collecting witness statements if applicable. Finally, you’ll want to contact your insurance provider.

Navigating Motorhome Insurance Claims

Motorhome insurance claims generally fall into two categories: claims for vehicle damage and claims for personal injury. If your motorhome sustained physical damage during the accident, you would typically file a collision claim. You would usually file a personal injury claim if you or your passengers suffered injuries.

Speak to an Insurance Professional in Fort Worth Today

At SWH Insurance Agency LLC in Fort Worth, we proudly offer comprehensive coverage to meet your unique insurance needs. Contact our office today at 817-564-4223 to speak with an agent.

Fall Tips for Recreational Vehicle Maintenance

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It’s time to stock up on marshmallows and sleeping bags to hit the road for a fun fall trip. As well as planning on everything you need to put in your RV, consider important maintenance tasks that will keep your vehicle running smoothly. The SWH Insurance Agency LLC team in Fort Worth, TX can help you review your insurance coverage before you hit the road.

Visually Inspect Your RV

Start with a visual inspection of your RV. This can prevent flat tires and mechanical breakdowns. We recommend you look for cracks and gaps and ensure all your major fluids are topped off. You can also take your recreational vehicle to your mechanic for a professional opinion.

Check Your Heat Source

Although it’s not winter yet, evening temperatures drop quickly in the fall. If you have an RV furnace, check the vents to make sure that there are no obstructions. You will also want to inspect the ductwork to ensure that it is in good condition.

Top Off the Antifreeze

Antifreeze prevents your pipes from bursting at an inconvenient time. Check your current antifreeze levels or have a professional do so before you go on your trip. If you aren’t sure how to fill the antifreeze, ask your dealer or a local mechanic. You may also find instructions in your owner’s manual.

Test the Battery

If you haven’t used your RV in a few months, the battery may need attention. Check the distilled water and electrolyte levels as well, or seek a professional to do the job quickly and correctly.

Get Your RV Inspected

A full inspection will point out any potential issues with your vehicle. Schedule your inspection a few weeks before your trip to avoid delays and give yourself time to schedule repairs.

Reviewing your insurance coverage before dusting off your RV for a fall trip is also a great idea. Contact SWH Insurance Agency LLC in Fort Worth, TX to discuss your RV insurance needs today!

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