Did You Flip Your RV Without Insurance?

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At SWH Insurance Agency LLC, we’ve worked with many Whitesboro, TX RV owners who have flipped their vehicles without insurance. Is there anything that you can do about this problem? The best course of action here is prevention – buying an RV policy before anything happens will give you the best way of managing this problem and saving yourself money at the same time.

What Happens If You Crash an RV Without Insurance?

If you flipped your RV without insurance, you’re going to have to pay for every element of this situation right out of your pocket. However, with an insurance policy, you wouldn’t have to find yourself paying for a variety of different things during this process, like:

  • Moving your vehicle with a tow truck after the accident 
  • Repair and replacement of your RV after the accident 
  • Fixing any items that may have been damaged in the crash 
  • Liability and health coverage for people you may have injured during the crash 
  • Legal bills that may otherwise occur due to your accident

Can anything be done after you’ve flipped your RV without an insurance policy? No, not really. You can’t buy a policy after a crash and try to apply it retroactively. As a result, it is best to be prepared and avoid this situation by shopping for an RV insurance policy right away. 

Don’t Neglect Help 

If you have yet to crash your RV and want to avoid the problems that this could cause, please call us today at SWH Insurance Agency LLC. We serve the Whitesboro, TX, area and provide you with the Help needed to choose a policy that makes sense for your needs. Our team will work directly with you to sort through your potential options and find the coverage that makes the most sense for you.

Types of Boat and Watercraft Insurance Coverage

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How Much Coverage Do I Need for My Boat or Watercraft?

You’ve finally bought your dream boat and you’re ready to hit the open water! Often, the first question that hit most new boat owners after the first rush of emotions is: "How do I insure my new asset? Is my boat covered under my homeowner’s policy, or do I need separate insurance?" SWH Insurance Agency LLC serves clients in Whitesboro, TX and is here to answer all your boat insurance questions. 

The answer to both of the questions above is it depends. In Texas, most homeowner’s policies do cover damage to your boat, but only to a limited dollar amount. If you have a newer or more expensive boat, it’s wise to get a policy that will cover the full value of your watercraft in case of an accident or other damage. In addition, homeowner’s policies don’t cover liability, so at the very least you will need a separate liability policy to pay for medical bills and damages to other people’s watercraft. 

What Types of Boat and Watercraft Insurance Policies are Available?

In all likelihood, you’ll want to go beyond the bare minimum liability insurance required by Texas state law in order to protect your asset. Also, if you are financing or leasing your watercraft, your lender will have certain coverage requirements you’ll have to adhere to. SWH Insurance Agency offers several types of affordable, full coverage boat and watercraft insurance to make sure our clients are protected: 

  • General "All Risk" Policies An all risk policy is best for boats and watercraft under 27′ and covers a broad range of personal property damages, medical payments, uninsured boaters liability, towing and assistance, persona effects, and accessories. Normal wear and tear, scratches, dents, and manufacturer defects are typically excluded under this type of policy. When choosing an all risk policy, be sure to decide if you want an agreed value policy or an actual value policy. Agreed value policies cover the full cost to replace the boat on the day the policy is put into effect, which actual value policies cover the cash value of the boat at the time of the damage. In other words, coverage in actual value policies decreases over time with depreciation.
  • Yacht Policies You may not think of yourself as owning a yacht, but technically speaking any boat over 27′ is considered a yacht in the boating world. These policies offer all of the same categories of coverage as an all risk policy with higher limits and include additional coverages for larger boats that tend to cruise further and get exposed to more risks. Some examples of additional coverages provided by yacht insurance are hull insurance and replacement costs for partial losses. A yacht policy is a good idea for owners of larger boats who intend to sail longer distances. 

If all of this is beginning to sound too complicated, don’t worry! Contact SWH Insurance Agency LLC and we’ll have you out fishing, sailing, or boating in no time. Your insurance agent will go over all of your options with you and help you choose the right boat or watercraft insurance policy for your needs. 

How to prepare your home to prevent flood damage

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Whether you live in a high-risk flood area or not, it’s crucial to formulate a plan to protect your home and family if mother nature decides to strike hard. The internet provides a lot of information on preparing your home for floods, but it’s essential to understand that your needs and risks may not be the same as those of your neighbor or friends.  Depending on where your property is located in Whitesboro, TX, you may want to learn whether it’s in a low or high-risk flood area to be well-prepared.  SWH Insurance Agency LLC shares a few tips for preparing your home for floods to get you in the right direction.

Assess your risk level

Before you start making any significant adjustments, it’s essential to know where your property stands.  Your risk is much higher if your home is located near a water body. Remember risk levels keep changing due to various constructions and infrastructure improvements in your area.

Elevate electrical components

Once you’ve established your risk level, start working on the most dangerous areas, such as electrical components. Water and electricity don’t always get along, so elevate your sockets, switches and wiring systems at least 12 inches above the expected flood level.

Waterproof your basement 

The basement is the most affected area in any home following a flood event. If you live in an area that is frequently flooded, you need to waterproof your basement before it becomes a nightmare for you and your family.

Create an evacuation plan

No matter the risk level, it’s always prudent to have an evacuation plan in case your home becomes inhabitable. Let your family know your plan and practice it frequently to make sure everyone knows what to do in the event of an emergency.

Get enough flood insurance

Don’t forget to buy enough flood insurance to replace and rebuild your home in case floods destroyed your home and your personal belongings.

Need to buy flood insurance in Whitesboro, TX? You’re in the right place. Our dedicated insurance agents at SWH Insurance Agency LLC can help you find a flood policy to protect your investment. Call us today.

Essential Auto Insurance Facts To Help Southwest Texas Drivers

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SWH Insurance Agency LLC provides coverage to the Whitesboro, TX community. We strive to help our clients find policies to protect both themselves and their loved ones. We proudly serve as an independent insurance agency. We have relationships with multiple carriers, which allows us to assist you regardless of your needs.

Essential Auto Insurance Facts

While you explore the DFW area, you have to be aware of the risks associated with driving. It only takes a split second while you’re on the road for things to turn fatal. Auto insurance can give you peace of mind while you’re on the road. You are covered if your vehicle is damaged or you injure someone else. Here is a look at some essential auto insurance facts to remember while you are researching coverage.

Comprehensive/Collision

It’s important to understand the key difference between collision and comprehensive auto insurance. Collision insurance protects your vehicle if you are involved in an accident with another vehicle or object. Comprehensive insurance covers your vehicle if it is stolen or damaged in a unique situation such as an accidental fire or inclement weather.

Liability Coverage

Liability coverage protects you if you are ruled to be at fault for an accident. You are also covered if you hit a person or object. If you have a passenger in the vehicle and are injured, liability coverage takes care of their medical treatment.

Special Coverage

There are a few instances where you can amend your policy to add special coverage. If you are driving and your car breaks down, adding emergency assistance coverage allows you to receive urgent service. You can receive towing service, fuel, or help to change a tire.

SWH Insurance Agency LLC Will Help You Find The Right Policy

Visit our website to learn more information about auto insurance in the DFW area.  

Ribbon Cutting!

Posted on by Damien Spillers

Now that we are in our new location, we will be having our official Ribbon Cutting Ceremony with the Whitesboro Chamber of Commerce on Thursday, May 6th at 10:00AM. We will provide coffee and doughnuts and hope to see you there to help us usher in this new start for SWH Insurance Agency.

Refinance Rates at Historic Lows!

Posted on by Damien Spillers

I would like to introduce Deborah Kuithe. She helped me with my mortgage and I know she can help you with yours too. Deborah has been a loan professional for over 20 years. She has the knowledge and experience to help you through the loan process, find the terms and programs that are right for your budget and make sure all the legalities are competently handled so that your closing goes smoothly.  She specializes in Conventional, FHA and VA loans throughout Texas.  Whether you are looking to refinance or purchase a new home Deborah and her team will be there to assist you with the process.  Deborah is also a licensed realtor and has been since 2009.  When she is not working she is spending time with her husband, children and grandchildren.

IMAX Mortgage.  

deborah@imaxmortgage.com

214-727-8827

What does motorhome insurance cover?

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Motorhome insurance, also called RV insurance, is required by law if you plan to drive your vehicle around the Whitesboro, TX area. It may also be beneficial to consider an RV indemnity plan if you leave your camper parked in the driveway more often than not. What does motorhome insurance cover, though? How much do you need? The agents at SWH Insurance Agency LLC can help you sort through the red tape.

What does motorhome insurance cover?

In some ways, motorhome insurance operates like a standard auto insurance plan. You are required to have coverage that pays at least $30,000 for bodily injury per person ($60,000 per incident). You also need protection that pays $25,000 for property damage. 

Motorhome insurance goes a step further than auto insurance by covering appliances. A standard auto indemnity plan will not compensate for replacing your burned-out stove. In fact, the mere fact that you are trying to insure a vehicle with kitchen appliances is a turn-off for some providers. Only an RV indemnity plan can assure you to know you have adequate coverage. 

How much RV insurance do you need?

The amount of motorhome insurance you need depends on several factors. First, you need to determine how much you can afford. You should always consider full coverage but not be fearful of purchasing liability insurance.

Second, you need to decide the type of lifestyle you are either living or pursuing. Those in love with the great outdoors may find higher monthly premiums necessary to ensure financial stability. You may not need as much protection if you bring your RV out of the garage or driveway more often.

The agents at SWH Insurance Agency LLC in Whitesboro, TX can help you understand the details about motorhome insurance. Call us today to get started with a quote!

We’re Moving!

Posted on by Damien Spillers

Over the next couple of weeks we will be moving to our new location at 613 N Union here in Whitesboro. For our existing customers you can expect the same great service you have come to rely on with SWH. For those of you that are not yet with us, we will be having a ribbon cutting with the Chamber once we are settled and hope to see you there!

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