What Is Uninsured Motorist Insurance?

Uninsured Motorist Insurance (UMI) is a type of car insurance that provides protection from financial losses caused by an uninsured motorist who is at fault in an accident. UMI policies typically offer two types of coverage: bodily injury and property damage.

One of the major benefits of UMI is that it helps to reimburse policyholders for medical bills, property damage repair costs, and other related expenses. This can play a large role in protecting people from the potentially devastating costs associated with a car accident.

While UMI can be immensely useful in certain situations, it does come with some limitations. Generally, the amount of coverage offered is capped at a certain limit and the insurance does not apply if the other driver is not at fault. Additionally, UMI is not available in all states.

The cost of uninsured motorist insurance is typically a small portion of the total cost of a car insurance policy. However, this cost can vary greatly depending on the level of coverage chosen.

Overall, uninsured motorist insurance can be a valuable asset for protecting yourself financially in the event of an accident with an uninsured motorist. It’s important to remember its limitations, however, and to understand the cost before deciding if the coverage is right for you.

Do You Have a Bucket List

Creating a bucket list is an essential part of life planning that allows individuals to turn dreams into reality and live a life filled with adventure and achievement. A bucket list comprises of a list of experiences, personal goals and accomplishments that a person desires to do and/or achieve before they die. Bucket list goals can have a variety of objectives, from traveling to as many countries as possible, to learning a new skill, to setting financial goals and giving back to the community through charitable giving and volunteerism.

Creating a bucket list is a personal experience, requiring reflection and introspection in order to prioritize goals and choose experiences that align with what a person values most in life. As a result, the items on a bucket list can vary greatly depending on the individual, however every list should challenge a person to move outside their comfort zone and find satisfaction and fulfillment in life.

Once the bucket list is created, the real work begins. Achieving goals on a bucket list requires motivation and dedication, but provides a tangible way of measuring progress and a sense of fulfillment once the items are crossed off.

Creating a bucket list is an essential part of life that allows individuals to set life-long goals and turn dreams into reality. Through creating a list and actively working towards achieving the goals, individuals can find fulfilment while creating lasting memories that they can look back on with pride.

What’s on your bucket list?

What Is Commercial Insurance?

Commercial insurance is an important form of protection for businesses. It provides coverage for various risks that are associated with running a business, protecting the assets and future of the business in the event of an unexpected event such as a natural disaster or a lawsuit. There are many types of commercial insurance available that are tailored towards different businesses and industries depending on their specific needs.

The most common types of commercial insurance are: General Liability Insurance, Property Insurance, Business Interruption Insurance, Business Owner’s Policy, Professional Liability Insurance and Workers’ Compensation Insurance. General Liability Insurance is particularly important, as it covers the assets of a business in the event of any lawsuits or legal claims that arise due to negligence or property damage. Property Insurance covers the costs of repairing or replacing any property that is damaged or destroyed due to a natural disaster such as a hurricane, fire, or flood. Business Interruption Insurance provides coverage if the business is unable to operate due to a natural disaster or property damage. Business Owner’s Policy combines General Liability Insurance and Property Insurance into one policy. Professional Liability Insurance covers the reputation of a business in the event of any malpractice or negligence claims. Finally, Workers’ Compensation Insurance provides coverage for medical bills or lost wages for any employees who are injured on the job.

There are multiple reasons why a business should invest in commercial insurance. Firstly, it provides financial protection in the event of any unexpected events that could lead to a business being unable to continue its operations. Additionally, certain types of commercial insurance are legally required depending on the type of business and the state in which it is located. Furthermore, having commercial insurance is an important way to demonstrate to customers and clients that a business is committed to protecting their interests.

Getting commercial insurance is relatively easy. All businesses need to do is contact an insurance broker or an insurance company, who can assess the specific needs of the business and provide advice on which types of insurance are necessary. They can also provide a quote for the cost of the necessary coverage.

Having commercial insurance can provide numerous benefits to businesses. It provides financial protection in the event of an accident or lawsuit, demonstrates a commitment to protecting customers and clients, and can be a requirement for certain businesses. Investing in commercial insurance is the best way to ensure the safety and security of a business in the future.

Snow (ice) Day!

With much of the North Texas shut down due to wintery conditions, families are stuck inside their homes. Though this can be difficult for everyone involved, rather than simply allowing for kids to watch TV or play video games all day, parents can use this as an opportunity to engage in quality family time. To help ensure that children are staying active, entertained and engaged, here are four creative activities to enjoy inside the house.

One fun thing that can be done indoors is play board games. Board games provide an opportunity for families to enjoy time together while also encouraging strategy and critical thinking. This can help to create a fun and relaxed atmosphere, while also teaching children important social skills like communication and problem solving.

Another great way to engage children indoors is through arts and craft activities. Not only are these activities fun, but they can also help stimulate creative thinking and spark imaginations. Arts and crafts can take many forms and can be adapted for any age group. From coloring books and Lego sets to sculpture and collage making, there are countless ways to explore creativity.

As a more traditional form of entertainment, video games have come a long way in recent years and become much more accessible. With the number of diverse options available, parents can find a wide variety of games that can be enjoyed by all ages. From simple, educational games to more complex shooter games, there are plenty of different games to choose from.

Meanwhile, exercise and movement can also help keep kids active. From simple dance parties, to yoga, to creating your own obstacle course or scavenger hunt; there are a number of fun activities that can be done inside while still getting the heart rate up.

https://www.youtube.com/user/cosmickidsyoga

All in all, when stuck inside, parents can use this opportunity to get creative and engage in quality family time. With a little imagination, there are many fun and educational activities to be done while still keeping kids entertained and engaged.

What Are The Most Common Winter Home Maintenance Problems

Winter months can be harsh on a home, causing costly repairs if not properly prepared. Frozen pipes, furnaces, roof leaks and ice dams can all lead to expensive damage, so it is important to take proactive steps to avoid these issues.

Frozen Pipes: Pipes should be insulated before winter hits to ensure they are not exposed to temperatures below freezing, as this can lead to expensive water damage. Make sure all exposed pipes are wrapped in insulation, or consider replacing them with insulated pipes if they are too difficult to wrap.

Furnace Maintenance: Furnace maintenance should be completed before the winter months to ensure it is running efficiently and safely. This can also help avoid costly repairs or replacements down the road. Roof

Leaks: Snow accumulation and ice buildup can lead to roof leaks and damage, so it is important to inspect the roof for any issues and make any repairs needed. Make sure gutters and downspouts are kept clear of debris, as this can help prevent any water accumulation.

Ice Dams: Ice dams are caused by melting snow and poor insulation, leading to water damage on the roof, walls and ceilings. Make sure that the attic is properly insulated, as this can help prevent ice dams from forming.

Fire Safety: Fire safety is important during the winter months, due to increased use of the heating system and fireplaces. It is important to make sure all smoke detectors are in working order, and that a fire extinguisher is easily accessible. Additionally, make sure all furnaces and fireplaces are in safe condition, and have them inspected by a professional if needed.

Taking these proactive steps can help prevent any costly repairs during the winter months, so make sure to take the necessary steps to avoid any issues.

Three things you might not know about boat insurance

Boat owners need to be informed about boat insurance. There are a few things that you might not already be aware of when it comes to boat insurance in Whitesboro, TX. At SWH Insurance Agency LLC, we can help you to navigate the complexities of boat insurance.

The following are three things you might not know about boat insurance:

Hurricane coverage is not always automatically included in boat insurance policies.

Hurricane coverage is an important type of coverage to have for boat owners who live in an area of the country where hurricanes are common. However, hurricane coverage is not typically included in standard boat insurance policies.

If you want coverage for hurricane damage to your boat, you may have to purchase such coverage as an add-on policy feature. 

Boat insurance coverage is limited to certain waters.

The most important aspect of boat insurance to understand is the geographical limitations that it goes along with. Boat insurance policies usually specify that boat usage is only covered in certain waters.

You need to make sure that your policy will cover you in all of the waters in which you’ll be navigating. 

Boat insurance coverage offers only limited coverage for personal belongings.

If your personal belongings within your boat become destroyed in an accident, boat insurance will cover them up to a specific amount.

However, personal property coverage included in boat insurance is often fairly limited. You might want to invest in added personal property coverage if you keep especially valuable items in your boat. 

Give Us A Call

Let us help you find boat insurance. If you are a boat owner in Whitesboro, TX with questions about insurance, we’re here to help at SWH Insurance Agency LLC. Give us a call today so that you can get a policy quote.  

Three important facts about flood insurance

Floods are a threat to your home and family. There’s no denying that fact. Yet misinformation can be even more dangerous. Many incorrectly assume they are safe, failing to take even the most basic precautions. Even in The Lone Star State, you are at risk of flooding under the right conditions.

Fortunately, SWH Insurance Agency LLC can help. Serving Whitesboro, TX, the agency wants to set the record straight when it comes to flood insurance.

Here are three important flood insurance facts that everyone should know:

Flood insurance is for everyone, everywhere.

It’s not just for homeowners. Renters may have some protection under their landlord’s policy, yet this is limited to the exterior of the building. And flooding can impact everyone at a moment’s notice. In fact, according to FEMA, individuals who live in low-to-moderate risk zones are still five times more likely to face a flood than a fire. Although it’s rarely required, flood insurance is always a necessity. 

Flood insurance is missing from most other policies.

You aren’t already covered. This is a common misconception. In reality, standard homeowners’ and renters’ plans exclude flooding. Only dedicated flood insurance coverage can safeguard your belongings and your residence from rising water.

Flood insurance is easy to add.

It’s often as simple as contacting your local, private insurance company. Your agent will evaluate your location and conduct a risk assessment to determine what policy is right for you. But each flood insurance policy is federally supported and backed by the National Flood Insurance Program.

Give Us A Call

SWH Insurance Agency LLC, serving the greater Whitesboro, TX community, provides more than just information. Our team of insurance experts can find a flood insurance policy that can keep you afloat if disaster strikes. Call us to set up an appointment today.

Steps to Take After an Accident

Whitesboro, TX residents are required to have automobile liability insurance by law, and the minimum requirements are $30,000 per injury for each individual and $60,000 per wreck, along with $25,000 in property damage. Most lenders will require full coverage if a balance is owed on a vehicle, though many motorists whose vehicles are paid for also opt into these protections. Our team of insurance experts at SWH Insurance Agency LLC is here to help. 

What To Do After An Accident

The very first imperative when involved in an accident is to make sure all parties are safe. Moving the vehicles is recommended when it is possible to do so safely, as these can cause other collisions when left on the road. When it isn’t possible to relocate the automobiles, utilize the hazard lights, cones, or flares if available. 

Those without injuries should get to an area off the road and away from traffic. Care should be taken not to handle those with injuries unless absolutely necessary due to dangers from fire, congested roadways, or other life-threatening situations. 

Call 911 and speak to dispatch about what happened, answering all questions to the best of your ability. Filing a police report can help you later on, as details can be hard to recall later on, and it provides a written account provided by a third party. Obtain the officer’s name, badge number, and phone number as well as the police report number. 

Do not admit fault, and document the wreck with photographs. Be sure to exchange information with the other driver, and write down their contact details and insurance carrier information. Lastly, contact your SWH Insurance Agency LLC agent. 

We Can Help 

SWH Insurance Agency LLC faithfully serves the Whitesboro, TX region and can help automobile owners with their insurance needs. Reach out to us today by phone, email, or by stopping in the office. 

What Types of Vehicles Are Covered Under Recreational Insurance?

If you love to spend time exploring the outdoors, you may have many large toys that you have purchased to help you when you are exploring the wilderness and all mother nature has to offer. Recreational insurance can help to cover these toys. One of the questions that we at SWH Insurance Agency LLC, serving the Whitesboro, TX region, are often asked is what types of vehicles are covered under recreational insurance policies.

Here are some of the most common vehicles that are covered under this type of insurance:

RVs, Motor Homes, and Campers

One of the types of vehicles that are covered under recreational insurance policies is RVs, motor homes, and campers. If you enjoy camping or spending time outdoors, you may have one of these vehicles. Typically, RVs with their own motor home get covered under their own policy. RVs, motor homes, or campers that are pulled behind your vehicle are covered under recreational insurance. 

Boats and Jet Skis

Another type of vehicle that is often covered under recreational insurance is boats, jet skis, and other types of watercraft. Basically, if the watercraft has a motor, it needs to be insured before you can operate it on the water. 

Off-Road Vehicles

Lastly, off-road vehicles, including things such as ATVs, sand buggies, dirt bikes, and snowmobiles can be covered under recreational insurance. If you have any other types of vehicles that you use in sand, on dirt, or off-road, it likely is also covered under this type of policy. 

Give Us A Call

Recreational insurance usually covers the large toys that people use recreationally or for fun. If you are looking to cover one or more of the items listed above, a recreational insurance policy may be perfect for you. Reach out to SWH Insurance Agency LLC, serving the greater Whitesboro, TX area, to learn more about obtaining a policy. 

Our Motorhome Hit a Deer. How Soon Will Our Motorhome Insurance Pay?

At SWH Insurance Agency LLC, we know deer strikes cause extensive damage to your motorhome. In addition, motor home repair often requires waiting for specialized parts and paying eye-popping labor costs. While you wait for estimates and repairs, the last thing you want is a delay in cutting your claims check. 

Here are a few steps that you can take:

Call the Game Warden

Texas requires you to report an injured deer to the local game warden. Moreover, if the animal dies, you may move it to the side of the road, but you may not tag it and take it home. Instead, the Texas Department of Transportation will remove the deer. 

Call us at SWH Insurance Agency LLC in Whitesboro, TX

Call the claims number on the back of your insurance card, preferably at the accident site, to start your RV insurance claim. You will receive a claim number and the claims adjuster will come to the accident site or tell you where to tow your motor home for an assessment.

Contact Texas DOT

While you wait for the claims adjuster, call 800-558-9368 if you cannot move the deer or if you see RV parts in the roadway. If no debris clutters the road, report the deer at the Texas DOT website under the link – "Something on Road." Then, select "dead animal" from the drop-down menu and complete the online form.

Call the Recommended RV Repair Shops

You can request our agents for contact information for repair companies. First, however, you can call whichever RV repair shop you know and trust. 

Get Motorhome Insurance Today

Although repairs might begin immediately, your claim payout might take 30 days or more to process. Stay in touch with us at SWH Insurance Agency LLC in Whitesboro, TX, and make sure to insure your vehicle with motorhome insurance coverage.