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Safe boating tips

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When going out on the water in the Katy, TX area, or anywhere, safety should always be your number one priority. Whether you’re an experienced boater or a novice, there are some key tips from us at All Around Insurance Agency you should keep in mind to ensure your time on the water is as safe as possible. 

Safe boating tips

One of the most important tips for safe boating is to always wear your life jacket. Life jackets can help protect you from drowning if you fall overboard, and it’s always better to be prepared for any situation. Make sure that everyone aboard knows where the emergency equipment is located so they can act quickly if needed. 

It’s also important to always check the weather before heading out and plan accordingly. Strong winds, heavy rain, and storms can make boating dangerous, so it’s best to avoid them whenever possible. Additionally, make sure your boat has enough fuel before leaving shore; running out of fuel in open waters could leave you stranded and vulnerable. 

Finally, stay aware of your surroundings while on the water at all times. Keep an eye out for other boats that may be nearby and obey all navigational laws and regulations when traveling through different waterways. Always follow these simple tips, and you’ll have a much more enjoyable time on the water!

We Are Here To Help!

For more safe boating tips, or if you have any questions about your boat’s insurance coverage, give us at All Around Insurance Agency a call today. We are proud to serve the Katy, TX area and would be glad to help you find a policy that meets your needs. So don’t wait – give us a call today!

Umbrella Insurance FAQs

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There are many options for insurance available. With the countless insurance types and options, you might have questions about what they include. All Around Insurance Agency, serving the residents of Katy, TX, is here to assist. We can answer some of the most frequently asked questions about umbrella insurance.

How does umbrella insurance work?

Before getting umbrella insurance, you need to have auto and home insurance. Umbrella insurance kicks in once the liability runs out on your home or auto insurance. Umbrella insurance is liability coverage that protects you against financial devastation from lawsuits, property damage, bodily injury liability, libel, slander, and defamation.

Is umbrella insurance worth it?

It depends on your assets and your risk factors of getting sued. If you own things that can be a danger to other people in the neighborhood, such as a trampoline or a swimming pool, it would be a good idea to get umbrella insurance. Those increase your risk of a lawsuit due to the danger of other children getting injured. It is also a good idea to have umbrella insurance if you have a large number of assets. Some people are sue-happy and will put a target on someone that has a lot of assets.

Who needs umbrella insurance?

Umbrella insurance is not a good fit for everyone. Some people can do without the need for umbrella insurance. Who needs umbrella insurance? You might benefit from umbrella insurance if you have a high net worth or if you have high-risk factors of liability.

What does umbrella insurance cover?

Umbrella insurance covers things that you are found liable for. This includes bodily injury of another person, property damage, and legal costs.

Contact Us Today

If you are in the market for umbrella insurance, contact us at All Around Insurance Agency in Katy, TX.

Tips for taking your RV to a national park

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Traveling to a national park in your RV from the Katy, TX area is an adventure of a lifetime! Here are some tips for getting the most out of your trip from us at All Around Insurance Agency.

Tips for taking your RV to a national park

1. Plan ahead.

Before you hit the road, research what amenities and accommodations are available in each park you plan to visit. Many parks offer full hookups and dump stations, but not all do. You’ll also want to know where to find food, gasoline, and medical care if needed. 

2. Be mindful of weight limits.

Some roads through national parks can be narrow and winding, so keep your vehicle as light as possible by leaving unnecessary items at home. Check the manufacturer’s recommendations for weight limits before you pack up for your trip. 

3. Pack necessary supplies.

Make sure you have enough food and water for your family, plus anything else you may need along the way like extra fuel or tools in case of a breakdown. A first aid kit with medical supplies is also essential in case of any minor emergencies while on the road. 

4. Stay alert while driving through the park.

National parks are often filled with wildlife that can surprise you when they cross the path while driving – keep an eye out at all times! And remember that many parks have speed limits that must be respected to ensure driver safety – going too fast can put both yourself and other nearby visitors at risk of accidents or injury. 

Get Coverage For Your RV Today

With these tips in mind, go out and explore America’s gorgeous natural wonders safely and responsibly! For more tips, call us at All Around Insurance Agency today. We proudly serve the Katy, TX area.

How Commercial Insurance Can Help During a Power Outage

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As business owners in Katy, TX, know, power outages can impact their operations. It’s essential to have an emergency plan for when the lights go out — including having the right commercial insurance coverage. All Around Insurance Agency provides the information you need to protect your business during any power outage.

What Kind of Damage Can Occur During a Power Outage?

Power outages disrupt operations and can cause significant damage to a business’s property — significantly if the outage extends beyond just a few hours. Depending on the duration of the blackout and other factors, companies may suffer from costly damage such as spoiled perishable goods, lost revenue because of disruption of services, equipment malfunctions due to lack of power, or even an entire facility shut down if there are no backup generators to keep things running.

How Does Commercial Insurance Help?

The right commercial insurance coverage minimizes losses during a power outage. Commercial liability insurance helps cover costs associated with damages caused by third parties’ negligence or recklessness. Business interruption insurance covers lost income because of temporary shutdowns resulting from unforeseen disasters such as fires or power outages.

Finally, property damage insurance helps protect against damage incurred by the physical destruction of property or equipment related to a covered loss, such as fire or wind damage, that may occur during an extended power outage.

Contact Us Today

Businesses in Katy, TX need to be prepared for potential power outages to minimize losses while ensuring continued operations throughout any interruption in service. Access to commercial liability, business interruption, and property damage insurance policies is essential for protecting your business against costly damages that can occur during an extended period without electricity.

If you want more information about how All Around Insurance Agency can help you choose the best commercial insurance coverage, contact us today!

Are You a Classic Car Enthusiast? Protect Your Hobby with Classic Car insurance

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Do you own a classic car? Or are you thinking about purchasing one? Did you know that these collectibles require specialized insurance coverage? If you live in or near Katy, TX, our team of insurance experts at All Around Insurance Agency can explain what coverage is best for your classic car.

Classic Car insurance: What You Need To Know

A classic car is typically older than 25 years old. It would be regarded as an older car that would be of historical interest to the collector and be restored and not scrapped. Classic cars are considered a subset of the category of “collector cars”.  A subset of classic cars is vintage or antique cars.

To qualify for classic car insurance, it cannot be your everyday mode of transportation and cannot be driven more than 5000 miles annually. Although it can vary by insurance carrier, a classic car needs to be over 25 years old.

This specialized classic car coverage protects your collectible with liability, collision, comprehensive, and other coverage. Antique cars hold and often increase in value. So, the insurance for them will cover up to an agreed-upon value as dictated by the insurance company and the owner. Regular car insurance does not provide as much coverage.

Antique or classic car insurance is cheaper than regular car insurance, as you are not driving the vehicle on a regular basis. Another big difference between regular car insurance and classic car insurance is the way the value of the car is determined. Standard car insurance depreciates the value of the car. The older a car is, the lower its replacement value is, if in an accident. The value of a classic car will almost always go up if it is maintained.

Get Coverage For Your Classic Car Today

Let the professionals at All Around Insurance Agency protect your classic car in Katy, TX. Contact us today. You will be glad you did.

Is renter’s insurance tax deductible in Texas?

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Renter’s insurance is a type of insurance that helps protect your belongings in the event of damage or theft. Renter’s insurance is not required by law in Texas, but sometimes it is required as part of a lease agreement for a house or apartment in Katy, TX.

So, what does a renter’s insurance policy cover, and is it tax deductible? All Around Insurance Agency has answers.

What Does Renter’s Insurance Cover?

If your personal belongings are ruined or stolen, renters insurance will cover your loss. If someone gets hurt on your property, you’re protected from lawsuits with liability coverage. Renter’s insurance usually doesn’t cover damage caused by natural disasters like floods or earthquakes though.

Is Renter’s Insurance Tax Deductible?

Renter’s insurance is not tax deductible in Texas. Since we don’t have state insurance, that’s almost a given. Renter’s insurance usually isn’t tax deductible on your federal taxes either. There are a few exceptions, such as if you have a home office, but it’s best to check with a tax professional to see what percentage (if any) you can claim.

Contact All Around Insurance Agency

Renter’s insurance is a good idea for anyone who doesn’t own their own home in Katy, TX. It covers your belongings if they are damaged or stolen. It also provides coverage if someone is hurt on your property. Renter’s insurance is not required by law in Texas, but you may be required to get it as part of a lease. Check with a tax pro to see if you can deduct part of your premium from your federal taxes. Normally, a renter’s insurance premium is not tax-deductible, but it doesn’t hurt to check. 

How to Ride a Motorcycle Safely

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Riding a motorcycle can be dangerous. But, if you follow the proper safety precautions, you can minimize the risk of accidents. At All Around Insurance Agency, we want all of our customers in Katy, TX to be safe on the road.

Here are some tips for riding a motorcycle safely:

Wear the Right Gear 

One of the most important things you can do to stay safe on a motorcycle is to wear the right gear. That should include gloves, a helmet, a reflective vest, and boots. In case of an accident, this gear will help protect you from injury. Failure to wear proper gear is one of the main reasons that motorcyclists are injured in accidents.

Check Your Bike 

Before you hit the road, it’s important to make sure your bike is in good working condition. That means checking the tires, the brakes, and the lights. You should also familiarize yourself with the controls so that you can operate the bike safely.

Be Aware of Your Surroundings 

Before you change lanes or make a turn, it’s important to check your mirrors and look over your shoulder. This will help you be aware of the cars around you. You should also avoid riding in areas where there are a lot of pedestrians or obstacles.

Ride Defensively  

Defensive driving is important for all drivers, but it’s especially important for motorcycle riders. This means always assuming that other drivers don’t see you and riding accordingly. For example, if someone cuts you off in traffic, don’t assume that they did it on purpose. Just give them space and move on. Defensive driving habits will help keep you safe on the road.

Get Motorcycle Insurance

If you follow these tips, you’ll be able to ride a motorcycle safely. But remember, even if you do everything right, there’s always a chance that you could get into an accident. That’s why it’s important to have insurance.

All Around Insurance Agency in Katy, TX, offers motorcycle insurance policies that can help protect you financially if you’re ever in an accident. Contact us today to learn more about our motorcycle insurance options.

Protect Your Boat With Comprehensive Coverage

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Does Texas require full coverage boat insurance? No. But if you’re one of the many boat owners in the Katy, TX area, you know that protecting your investment is essential. That’s why comprehensive coverage is a good idea.

What Does Comprehensive Insurance Include?

It covers your boat for damages not caused by collision or capsizing. So, you’re covered if your boat is damaged in a fire, stolen, or vandalized. It also covers you for damages caused by animals, weather events, and more. Many people don’t think about the problems wildlife in the ocean or lake can cause their boat. But comprehensive coverage protects you from those risks so you can relax and enjoy your time on the water.

Comprehensive Coverage Protects More Than Your Boat

It also protects you from liability if an injury occurs while on your boat. Your comprehensive coverage will help pay for their medical bills and other damages if you’re found at fault. This protection is essential because it can help avoid a lawsuit or financial ruin.

The All Around Insurance Agency can help you find the right comprehensive coverage for your boat so you can relax and enjoy your time on the water.

How Much Does Whole Coverage Insurance Cost?

The cost depends on a few factors, including the value of your boat, your deductible, and the state you live in. You may save money on your premium by increasing your deductible. You also need to check with your lender to see how much coverage they require if you have a loan.

The best way to determine how much comprehensive coverage will cost you is to get a quote from the All Around Insurance Agency in Katy, TX.

How Umbrella Insurance Works

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When you already have an auto insurance policy as well as a home policy, an umbrella policy can help you to be better covered. This insurance covers you when you need extra coverage but don’t want to pay high prices for it. It’s a cost-effective way to get the coverage you need to save yourself a lot of money after a serious accident. When you’re interested in getting umbrella insurance, call us at All Around Insurance Agency in Katy, TX.

Umbrella Insurance: A Comprehensive Guide

Low-Cost Liability Coverage

Both home and auto insurance policies come with liability coverage, but it often doesn’t have very much. That means that if a serious accident happens, the liability coverage may not be enough to pay for all of the bills due. The costs of medical bills and lost wages can be extremely high, and when you don’t have enough coverage to pay them, there is an overall that you have to pay. The liability coverage that you get with umbrella insurance is enough to cover those overages so that you don’t have to pay them. And, it costs much less to cover yourself with umbrella insurance than it does to add more liability coverage to your home and auto policies.

How It Works

The first policy to pay after your accident is your home or auto policy. It will pay up until it reaches its maximum. After that, the umbrella policy will come in and pay what is left over. Umbrella policies have very high maximum payouts, so it’s rare for there to be any overage after they have paid. This leaves you far better covered in case of expensive accidents. 

Get More Liability Coverage

When you want to be better protected against accidents, umbrella insurance may be the answer. Call us at All Around Insurance Agency in Katy, TX.

5 Things You Need to Know Before Buying RV Insurance

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If you’re planning to hit the open road in an RV, there’s one important thing you need to take care of before setting out on your adventure: insurance. Just like your car, your RV will need to be properly insured to protect you from financial liability in the event of an accident.

But what exactly does RV insurance cover? And how much will it cost? All Around Insurance Agency in Katy, TX provides this guide to help you plan your RV insurance coverage.

RV Insurance: What You Need To Know

1. What Does it Cover?

Most basic RV insurance policies will cover liability, which means that if you cause an accident, your insurer will help pay for the damages. This generally includes both property damage (like repairs to other vehicles) and bodily injury (medical bills for you and other people involved in the accident).

In addition to liability coverage, many RV insurance policies also include comprehensive and collision coverage, which will help pay to repair or replace your RV if it’s damaged in an accident. You may also want to consider adding on other types of coverage, like personal belongings insurance, which will help protect the contents of your RV if they’re damaged, lost, or stolen.

2. How Much Does RV Insurance Cost?

The cost of RV insurance varies depending on several factors, including the value of your RV, the type of coverage you’re looking for, and where you live. However, you can expect to pay anywhere from a few hundred to a few thousand dollars per year for basic RV insurance coverage.

3. There are Different Types of RV Insurance

There are different types of RV insurance, each with its own benefits. The type of insurance you need will depend on the type and value of your RV, as well as how you plan to use it. For example, if you’re using your RV for occasional weekend getaways, you might not need the same level of coverage as someone who’s living in their RV full-time.

4. You Might Need Specialized RV Insurance Coverage

If you have a particularly valuable RV or plan to use it for business purposes, you might need specialized insurance coverage that’s not included in a basic policy. For example, if you’re using your RV to transport goods or offer services, you’ll need to ensure you have the appropriate commercial insurance coverage. You might also need to insure your RV for its full replacement value if it’s especially valuable or custom-made.

5. Don’t Rush into Buying RV Insurance

While it’s important to have RV insurance before hitting the open road, don’t rush into buying a policy just to get it over with. Take some time to compare different policies and insurers to find the coverage that’s right for you at the best price. 

Give Us A Call

All Around Insurance Agency in Katy, TX offers complete RV insurance coverage at affordable rates. Contact us today to get a free quote.