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!

Protection for Your RV Across the Country, Across Town, or In Your Driveway

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RVs, those mobile palaces, often bring smiles to faces, evoking memories of fun-filled family vacations or adventurous road trips with friends. The joy of RV travel makes it easy to overlook the fact that RV insurance isn’t just for when you’re on the road. Hence, residents in the greater Fort Worth area trust SWH Insurance Agency LLC for their RV insurance requirements.

Guarding Your RV, On the Road and at Home

Whether on the move or parked, recreational vehicles can encounter a multitude of potential hazards and damages. Incidents like storm damage, fires, or an errant driver are legitimate risks faced by RV owners, and these can occur even if the RV is sitting in your driveway, parked in front of your home, or stored in a garage.

Seemingly safe and routine trips, such as washing your RV, can suddenly become risky—a minor fender bender might result in significant damage and hefty repair costs. The silver lining is that the right RV insurance ensures your mobile palace’s protection, whether you’re a thousand miles away from home or merely parked in your backyard.

RV Insurance Solutions in Forth Worth

If you reside in or around the captivating region of Fort Worth and have questions or need RV insurance, our friendly and professional team of agents at SWH Insurance Agency LLC is always ready to assist. Contact us to learn more and schedule an appointment today.

Protection for Your RV Across the Country, Across Town, or In Your Driveway

Posted on by admin

RVs, those mobile palaces, often bring smiles to faces, evoking memories of fun-filled family vacations or adventurous road trips with friends. The joy of RV travel makes it easy to overlook the fact that RV insurance isn’t just for when you’re on the road. Hence, residents in the greater Fort Worth area trust SWH Insurance Agency LLC for their RV insurance requirements.

Guarding Your RV, On the Road and at Home

Whether on the move or parked, recreational vehicles can encounter a multitude of potential hazards and damages. Incidents like storm damage, fires, or an errant driver are legitimate risks faced by RV owners, and these can occur even if the RV is sitting in your driveway, parked in front of your home, or stored in a garage.

Seemingly safe and routine trips, such as washing your RV, can suddenly become risky—a minor fender bender might result in significant damage and hefty repair costs. The silver lining is that the right RV insurance ensures your mobile palace’s protection, whether you’re a thousand miles away from home or merely parked in your backyard.

RV Insurance Solutions in Forth Worth

If you reside in or around the captivating region of Fort Worth and have questions or need RV insurance, our friendly and professional team of agents at SWH Insurance Agency LLC is always ready to assist. Contact us to learn more and schedule an appointment today.

Does Your Home Need a Flood Insurance Policy?

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Even if you live in an area not prone to flooding, that doesn’t mean you’re immune to the risk. That’s why it’s generally recommended that every homeowner get flood insurance. If you’re in the Fort Worth, TX area and considering this coverage for your home or buying a house that may require it, reaching out to us at SWH Insurance Agency LLC is a great choice. Our trusted agents are here to help you get the right flood policy so you can enjoy peace of mind in your home.

Some homes are in flood zones and generally require a flood policy if they have a mortgage. That’s because the lender will insist on this policy as a condition of buying the house. That protects the lender’s interests in the event of a flood and reduces their level of risk. However, even if you don’t have a mortgage, you may still want to get a flood policy on the home you’re purchasing or the one you already have.

Getting in touch with our agents is the right way to start finding flood coverage that meets your needs. We can provide you with quotes from several different insurers so you can choose the one that’s right for your home and specific situation. Whether you want us to look at your current policy, update it, or find a completely new one, there are great options when you work with an agent dedicated to helping you protect your home the right way.

Contact us today at SWH Insurance Agency LLC if you’re in the Fort Worth, TX area and looking for a flood insurance policy for your home. We want to help you have good coverage, confidence, and peace of mind so you can more fully enjoy your home and all it has to offer.

Understanding Basement Flood Insurance Coverage in Texas

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Inclement weather can cause havoc in areas of Texas that have seldom been prone to tornadoes and severe storms. Now is the time to review your homeowner’s policy with your insurance agent to see if you qualify for flood insurance. Basement flood insurance has specific covered items you need to be aware of. 

  • Building Coverage—Your basement is covered under a Standard Flood Insurance Policy (SFIP) provided by FEMA’s National Flood Insurance Program (NFIP). The basic flood policy includes coverage for pumping out floodwater, labor to extract cleaning solutions, treatment for mildew and mold, and drying of structural interior elements and equipment. Examples of items can include furnaces, water heaters, sump pumps, and electrical junction boxes.
  • Contents Coverage – This type of coverage is optional and must be purchased separately. Washers and dryers, air conditioning units, and food freezers are common items that need a separate policy. 
  • Exclusions to Contents Coverage—Personal property, such as computers and furniture, is not covered under basement flood insurance. Finished flooring and dehumidifiers are also examples of coverage exclusions. 

There may be some exceptions if items are considered permanent fixtures in the basement. Discussing all items with your insurance agent and providing serial numbers and pictures of personal property that are of concern is a good idea.

SWH Insurance Agency LLC, providing insurance in Fort Worth, TX, and the DFW metroplex, can give you important facts on the basics of flood insurance and provide solutions. Don’t wait until you feel an upcoming storm could bring damage to your underground living area. Most flood insurance policies have a 30-day waiting period for coverage to take effect. 

 

Motorhome Insurance Enhancements

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Maximizing Your Motorhome Coverage This Summer

Insurance enhancements can provide additional layers of coverage for your peace of mind when you’re on the road or parked for the summer in your motorhome. These customizations include True Value Coverage, Roadside Coverage, and Specialized Equipment Coverage.

True Value Coverage

A total loss of your motorhome doesn’t have to mean a total loss in value. True Value add-on coverage ensures that you receive fair market value for your motorhome, affording you the means to replace it with a comparable model.

Roadside Assistance Coverage

You can’t predict when you might need assistance when you’re on the road. With Roadside Coverage, you’re prepared for all possibilities. This includes costs associated with towing, tire repairs, and glass repairs, among others.

Specialized Equipment Coverage

Your motorhome is essentially a mobile living space, complete with personalized belongings. Specialized Equipment Coverage protects these personal items, with policies tailored to cover specific belongings that you identify. Whether damaged on the road or during storage, you can rest easy knowing your possessions are covered.

Comprehensive Insurance Options

Before you set off on your RV adventure, consider exploring all the enhanced insurance options available to you. At SWH Insurance Agency LLC, our experienced agents are ready to recommend tailored insurance products beneficial to you. An agent who serves the Whitesboro, TX, area will even schedule a consultation for you.

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