Why do Home Insurance Policies Not Cover Hurricanes?

Home insurance covers a wide range of happenings, and the weather is one of them. What most policyholders do not know, however, is that most home insurance policies do not include major events like hurricanes. For those that live in the Spicewood, TX area, the agents with Whiteside Insurance Agency, LLC can help you find your perfect policy.

Home insurance covers things like damage from hail, wind, snow, ice and other weather events but it does not include hurricanes. So why do most home policies not cover hurricanes? The simplest way to look at this is that hurricanes are not at all common across the country. Hurricanes are only common in certain areas like coastal states and areas around large bodies of water. An inland state like Idaho is not going to see a hurricane, so it is not logical to drive up the premiums for an event that is not likely to happen everywhere.

Fire, on the other hand, could happen anywhere and is not governed by location which means that this is something that should be covered by all policies. Things like flood are also not common across the board, so they are not often required as part of the basic home coverage. Also, things like volcanic eruptions are also not common, so they are not covered by basic insurance coverage. If you are living in an area where these are common, you may want to take out individual coverage that is going to help cover these particular circumstances.

For those in the Spicewood, TX area, the agents with Whiteside Insurance Agency, LLC can help to get your home coverage taken care of and squared away so that you can make sure your home is adequately covered under all circumstances and events that may transpire.

The Benefits of Texas Renters Insurance

Many renters in Spicewood, TX aren’t aware that they can insure their personal belongings in the exact same way as a homeowner. Renters insurance from Whiteside Insurance Agency, LLC is available to almost any renter, regardless of the type of property you are renting, including mobile homes, apartments, single-family homes, and duplexes. Here are just a few of the benefits that come with buying renters insurance.

Medical Help for Injured Guests

One of the lesser known benefits of having renters insurance is that it provides medical coverage for your guests that may get injured while visiting you. For example, if your grandmother comes to visit and falls down the stairs because her shoe gets stuck on the carpet, your renter’s insurance may pay her doctor bills.

Coverage for Stolen, Lost, and/or Fire Damaged Belongings

Unfortunately, mishaps happen. Whether your rental unit is burglarized and your expensive belongings are stolen, such as the television and computer, or there is a fire that destroys everything you own, renters insurance can help replace your lost, stolen, or damaged items. It is important to take a complete inventory of everything you own to submit to the insurance company in case there is an accident or incident.

Assistance With Lawsuits

Another benefit of renters insurance that many renters aren’t aware of is that your rental insurance may provide assistance with lawsuits that may incur from something on the property. For example, if your dog bites the neighbor and they sue you, your attorney will help you fight or negotiate a settlement dependent on your renter’s insurance.

Just because you’re not a homeowner doesn’t mean you have to settle. Renter insurance helps protect you against the risks of theft, fire, and other damages as well as gives you the peace of mind that you’ll be able to replace your belongings. An important note to keep in mind is that renters insurance is fairly inexpensive and there are several things you can do to reduce the premium costs, such as having deadbolt locks and a kitchen fire extinguisher.

Renters in Spicewood, TX and the surrounding areas interested in learning more information about renters insurance should contact Whiteside Insurance Agency, LLC.

 

Why do I need insurance the whole year if I only drive my RV during the summer?

Whiteside Insurance Agency, LLC loves to help the people in Spicewood, TX with all their insurance needs, and enjoys helping people achieve their dreams by protecting their RVs. Texas is one of the best places to own and operate an RV, but many people wonder if it is worth the cost to insure their recreational vehicles even during the times they are not able to use them. Many people can only travel and enjoy vacations during summer and may ask about a policy that only includes those months.

You may not be required by law to have an insurance policy on your RV at all times unless it is being driven on public roads. However, if you are still paying on your RV, the company holding your loan may require you, as part of the contract, to provide full coverage until the loan is paid off. This protects their investment, and they can enforce this clause of your contract by forcing a more expensive insurance policy on you while your loan is active. 

You may also want to consider that your RV is vulnerable to losses even when it is not being driven. As one of your most valued assets, you may keep it safely stored in a garage or other enclosed location when you cannot drive it. If that location suffers a fire, or if there is significant damage because of another reason, your losses may not be covered under your homeowner’s policy, which has limits.

At Whiteside Insurance Agency, LLC, we want to help you be comfortable while protecting your possessions in Spicewood, TX. If you want to talk about RV insurance or have any other general insurance questions, please feel free to call today.

How to Inspect Your Motorcycle Before You Ride

Before you get on your motorcycle for a joyride, you must inspect it regularly. It can help prevent an accident, keeping you safe and your insurance rates stable. Whiteside Insurance Agency, LLC, serving the Spicewood, TX area, has a few tips for inspecting your bike.

License Plate and Registration Sticker

Check your license plate and registration sticker to ensure they’re securely on your bike. This can prevent you from receiving a fine. Others should have a clear view of both of them. 

Fluid Leaks

Look underneath and around your motorcycle for any signs of a leak in any of the fluids in the bike, including water, oil, or other fluids. Evaluate the radiator and engine hoses for white marks that occur when they don’t receive an adequate amount of lubrication. Use your finger to check for any oil on the forks because this could signify broken seals.  

Check for Loose Parts

Grab and gently shake your windscreen, rear racks, and chain guard, just to name a few. You want to make sure you don’t have any loose parts on your bike that could fly off while you’re riding. Any loose parts are a liability for you and dangerous for others.  

Check Throttle, Brake Lever, and Clutch

Check your brake lever, throttle, and clutch to identify if it has the right amount of free play. You want all of these parts to move a bit because when they’re too tight it hinders your ability to use them. 

Before you take your bike out for a ride, always make sure you have insurance, even if you’re only taking it up and down the road. If anything should happen, you want to be able to replace or repair your bike, and you don’t want to risk a fine. 

Contact Whiteside Insurance Agency, LLC, serving Spicewood, TX and the surrounding areas, to receive a quote for a motorcycle insurance policy today by calling or visiting our office.

Why Do You Need Boat Insurance?

Owning a boat can be exciting. Especially if you have boat insurance because it gives you peace-of-mind and a sense of security. Boating mishaps are not uncommon, and it’s essential to have your assets insured if your lake or river outing takes an unexpected turn. If you’re in an accident and the damage is substantial, your insurance coverage can mitigate the risk of financial loss.

According to the Texas Department of Insurance, most homeowners policies will cover the damage to your boat, but only to a certain extent. This insurance may not cover your full financial liability, which is why having a separate boat policy makes sense. There are different options for boat insurance, including policies that recover the replacement cost of the boat. You can also choose a specified dollar amount to be reimbursed when you establish your policy.

Another option is to select a policy that pays out the actual cash value of your boat less depreciation. The premium on the policy you select is subject to the value of your boat. To determine which policy is right for you, it’s ideal to work with an experienced professional at Whiteside Insurance Agency, LLC in Spicewood, TX. Discussing policy options and features will help you protect your boat and optimize your insurance coverage, taking into account all of your current policies.

To learn more about the benefits of boat insurance and how it can make your leisure activities more enjoyable, please contact Whiteside Insurance Agency, LLC in Spicewood, TX. Boats are a source of fun and can make family outings more enjoyable. Opting for the proper amount of insurance coverage can provide you with peace-of-mind.

4 Reasons Why Umbrella Insurance is a Must

Like its name suggests, umbrella insurance provides overarching coverage and protection above and beyond a basic liability insurance policy. Whiteside Insurance Agency, LLC, located in Spicewood, TX, offers the following five reasons why you should consider umbrella insurance today. 

1. It protects you from the unexpected

You might wonder why you need umbrella insurance to protect you from unexpected occurrences when you already have insurance. With umbrella insurance, you have access to more coverage than a claim against your basic insurance. 

2. It helps you prepare for tragedy

No one expects an accident to happen. This is why they are called "accidents." Unfortunately, numerous tragic accidents occur each day across the United States. If you are found to be responsible for such an accident, an umbrella insurance policy can give you peace of mind. 

3. It goes above and beyond your liability insurance

Nearly all basic liability insurance policies — whether they are for your home or your vehicle — have a limit that they will pay up to in damages. If the event that you’re responsible for costs more than that amount, you’ll likely be sued for the difference. Umbrella insurance can begin to pay once your basic liability insurance has paid out its maximum amount. 

4. It can pay for an attorney

If you are sued by someone to get the money to pay for a tragedy that you’ve allegedly caused, your umbrella insurance can pay for your attorney. This is true even if you aren’t found to be responsible for the accident when it goes to trial. 

At Whiteside Insurance Agency, LLC, we provide the residents of Spicewood, TX and the surrounding areas with a variety of solutions for their insurance needs. Contact us today and learn how umbrella insurance can protect you, your home, your vehicle, and everything you’ve worked so hard to build from damages and dangers.

When is Flood Insurance Required in Texas?

It’s hard to watch the news during the wet season without seeing signs of flooding and subsequent property destruction. Insurance is the only way to protect your belongings in the event of a flood. One of the main things to remember is that flood insurance isn’t included in your regular homeowner’s policy. If you live in a flood zone, you are required to carry flood insurance, but there are lots of times you’ll want it even if it isn’t required. Check out the following information from Whiteside Insurance Agency, LLC in Spicewood, TX.

Texas Flood Insurance Laws

To protect your home and belongings from losses due to floods, you have to get separate flood insurance policy. For properties in a flood hazard area, lenders require flood insurance. FEMA has maps available to show where these hazard areas are located. The National Flood Insurance Program provides most flood insurance policies. Although, some private insurers sell flood insurance.

To purchase an NFIP flood policy in Spicewood, TX, call Whiteside Insurance Agency to help determine if your home is in a flood zone. Even if you don’t live in a hazard zone, buying flood insurance can give you peace of mind with an ever-changing environment. A large percentage of flood claims happen outside of a flood zone. Call Whiteside Insurance Agency, LLC to purchase flood insurance in Spicewood, TX.

Additional Requirements

If you have constructed, remodeled, or enlarged your property after September 1, 2009, and any part of your lot is in a flood zone defined by NFIP, you are required to purchase flood insurance. The requirement is relaxed only if no flood coverage is available in your area. Repair includes reconstruction or restoration of a deteriorating building on your property.

Final Word

Ask your Whiteside Insurance Agency, LLC agent if flood insurance can protect your Spicewood, TX home. Call today to set up an appointment for a quote.

 

Are You Too Young For Life Insurance?

When is it time to call Whiteside Insurance Agency LLC and start talking about a life insurance policy? The truth is it has less to do with your age and with your health than with the people who are dependent upon you.

In a sense, that’s really how we map out the timeline of our lives, isn’t it? If you’re an unmarried thirty five year old guy with no kids, you’re still considered, in many ways, a young man. But if you’re a forty year old man with a grandchild, you are quite literally a grandpa.

So when you’re considering buying a life insurance policy, you should spend less time worrying about your age and more time thinking about your family. A ninety year old whose kids are all making six figures a year doesn’t have much reason to worry about life insurance. But suppose you’re a fifty year old whose Spicewood, TX auto repair shop is thriving, but your children are still in their teens and twenties, still dependent on you to some extent or another. Then you want to think about what you’re going to leave for them should something happen to you.

So it’s less about how old you are and more about who relies on you, and what their options would be if you weren’t here. Life insurance is a just-in-case plan for when the people who need your help are left to their own devices. Whiteside Insurance Agency LLC can help you to determine what plan suits you best, no matter how old you are or how many dependents you have to be concerned for.

Types of Auto Insurance for Texas Drivers

Every driver in the state of Texas is required to have auto insurance, and there are certain amounts that every policy must have to meet certain minimum requirements. It may be advisable for you to get some additional coverage because it can give you extra protection in case of a loss. And because of rising medical costs and car prices, the state-required minimum may not be enough to cover the cost if you’re involved in an accident for which you’re at fault. That’s why you should consider looking at more coverage options.

What’s Available in the State of Texas

There are several coverage options for Texas drivers, and they can include but may not be limited to:

  • Liability Coverage – Every driver in the State of Texas is required to carry certain minimum amounts for both bodily injury and property damage, but buying additional amounts that can cover other losses may be advisable.
  • Collision Coverage – Covers any repair costs to your vehicle if you have been involved in an accident, and the insurance company will decide if it will cover the repairs or deem it a “total loss.”
  • Comprehensive Coverage – Covers the cost of any repairs if it was the result of a fire, vandalism, or theft. And it will include collision. Payment is limited to your car’s current cash value minus your deductible, and it won’t pay for the cost of a stolen vehicle if a police report hasn’t been filed.
  • Medical Payments Coverage – Pays for any medical or funeral expenses if the injury or death was caused by an accident, and it pays for anyone who has been impacted by the accident regardless of who was at fault.
  • Uninsured/Underinsured Motorist Coverage – Pays for any expenses related to an accident that was caused by an uninsured or underinsured motorist, and it will cover the costs associated with a hit-and-run driver. It will also cover any losses related to both bodily injury and property damage.
  • Towing and Labor Coverage – Pays for any towing costs if your car can’t be driven, and covers any additional labor costs (such as changing a flat tire or jump-starting your vehicle).
  • Rental Reimbursement Coverage – Pays for a rental car up to a certain amount per day if your vehicle has been damaged by something that’s covered under your policy.

If you want to get more information on these coverage options, be sure to get in touch with Whiteside Insurance Agency, LLC in Spicewood, TX today!

Additional Coverage Options in the State of Texas

You can purchase additional coverage that can help you replace stereo equipment, which can include the following:

  • CD’s
  • MP3 players
  • Cell phones
  • Stereo equipment not installed in your car

If you live in Spicewood, TX and want to get an auto policy that will meet all your coverage needs, contact the office of Whiteside Insurance Agency, LLC today!