What Are Some Common Exclusions In Motorhome Insurance Policies?

When shopping for motorhome insurance in Victoria, TX, it’s important to read the policy carefully to ensure you know what is and isn’t covered. Many exclusions are common among policies, but it’s important to know what they are before buying coverage. Atzenhoffer Insurance Agency provides this guide on some of the most common exclusions in motorhome insurance policies.

Motorhome Insurance Exclusions: A Guide

Poor Security Measures

This means having working locks on all doors and windows, as well as a security system in place. If you don’t have proper security measures in place, you could be risking a high insurance premium or even being denied coverage altogether.

You should also keep your motorhome in a well-lit area and close to your home if possible. This will help deter thieves and vandals from targeting your vehicle.

Another good idea is to invest in a GPS tracking device. This can help the police locate your motorhome if it’s ever stolen. It could even help you get a discount on your insurance premium from insurance companies such as Atzenhoffer Insurance Agency.

Poor Maintenance

If you don’t keep up with the maintenance of your motorhome, it could lead to problems down the road. This could include engine trouble, flat tires, or even breakdowns.

All of these problems can be expensive to fix, and they could even void your insurance policy if it’s determined that they were caused by neglect. To avoid this, keep up with the maintenance of your motorhome and get it serviced regularly.

Excessive Wear and Tear

If you use your motorhome excessively, it will likely start to show signs of wear and tear. This could include things like dents, scratches, or even engine trouble.

If your insurance policy has a clause excluding excessive wear and tear, you may not be covered if something goes wrong. To avoid this, use your motorhome responsibly and keep up with its maintenance.

Give Us A Call

These are just a few of the most common exclusions in motorhome insurance policies. Be sure to read your policy carefully to understand what is and isn’t covered. At Atzenhoffer Insurance Agency in Victoria, TX, we can help you find the right policy for your needs. Contact us today to learn more.

Do I Need RV Insurance in Victoria TX?

Insurance plays an important role in our lives, but sometimes we don’t think about it until something happens. Then we realize just how important it is. Many people wonder if they need RV insurance in Victoria, TX and the answer is not as simple as a yes or no. Atzenhoffer Insurance Agency offers this guide in navigating this important coverage.

RV Insurance: What You Need To Know

What Defines an RV?

The first question is, what defines an RV? An RV is a motor vehicle that includes living quarters designed for overnight use. RVs can range in size from small campervans to large buses. Most RVs have a kitchen, a bathroom, and a sleeping area. Your Atzenhoffer Insurance Agency rep can help you determine the right amount of coverage for your needs. Call us today to get started.

Do I Need RV Insurance in Victoria, TX?

The answer to this question depends on a few factors. First, you need to check with your lender to see if they require you to have RV insurance. If you finance your RV, chances are your lender will require comprehensive insurance.

Another factor to consider is what type of RV you have. If you have a luxury RV, get comprehensive coverage to protect your investment. If you have an older RV, you may be able to get by with just liability insurance.

You also need to think about what you’ll use your RV for. If you plan on using it for long trips, you’ll want to make sure you have full coverage in case of an accident. If you only use your RV for weekend getaways, you may be able to get by with less coverage.

No matter what type of RV you have or how you plan to use it, it’s a good idea to have some kind of insurance. Accidents happen, and it’s always better to be safe than sorry.

Contact Us Today

If you’re still not sure whether you need RV insurance in Victoria, TX, call the experts at Atzenhoffer Insurance Agency. We’ll help you assess your needs and find the right coverage for you. Call us today.

What Are Some Common Motorcycle Insurance Discounts?

Motorcycle insurance policies often come with various discounts to help you save money on your premiums. Some of the most standard discounts include maintenance of a clean driving record, security features installed on your bike, multi-policy savings, and a variety of age-related factors. Atzenhoffer Insurance Agency in Victoria, TX offers you this guide in navigating motorcycle insurance.

Common Motorcycle Insurance Discounts

Even though most standard motorcycle insurance policies do not require you to maintain a clean driving record to be covered, many insurers offer a discounted rate if you can keep a clean driving record. This can save you up to 15% on your premium. 

Separate policies can often save you up to 10% on your motorcycle insurance policy. This especially happens when a significant other drives a car and wants the coverage. If your motorcycle has security features installed, you may receive up to a 15% discount on your policy. This includes things like anti-theft devices. 

If you can combine your motorcycle insurance with other types of insurance, you may receive up to a 10% discount. It’s more experienced if you’ve got a significant other who drives a car and wants the coverage.

Best Motorcycle Insurance for You

Finding the best motorcycle insurance for you will depend on several factors, such as your current level of insurance protection and the type of bike you plan to ride. 

Many insurers offer a discount on motorcycle insurance if you have a policy with them for several years. Some insurers will even offer a guaranteed rate if you ride a certain brand of bike. 

Some companies offer better rates for riders who take a safety course, so it’s worth the investment. You should also make sure your policy has adequate coverage. 

Install Security Features on Your Bike 

Consider installing a high-quality lock, such as a U-lock, chain lock, or cable lock. Make sure to choose a lock that is appropriate for your bike. A high-quality lock also means that it is difficult to crack. 

Keep your bike in a well-lit, public area, or consider installing a bike shed if you live in an apartment or condo. Install a solid lock to keep your bike secure, invest in a bike bell to let pedestrians know you are coming, and get a light for riding at night. 

You might also consider getting a bike tracker if your bike gets stolen. Conveniently, most smartphones are now equipped with a GPS that can be used to track your phone when stolen or lost.

Need Professional Advice?

Call Atzenhoffer Insurance Agency to join happy clients in Victoria, TX.

Is having an auto insurance plan in Texas a good investment?

If you are in the Victoria TX area, you will quickly find that owning a car is a good idea. When you are in this part of the state, having your own vehicle will make it far easier to get around the community efficiently. It is also essential to choose an insurance plan when looking for a car. Having a proper auto insurance plan can be a good investment for various reasons.

Reduce Liability Risk

One reason that having an auto insurance plan is a good idea is that it will help to reduce your liability risk. Those that are going to purchase a car and drive it will take on liability risks regularly. If you cause an accident, you will have to cover damages. Fortunately, you can have protection for these costs if you have an auto insurance plan as it will include a liability provision.

Protect Vehicle

Your auto insurance plan is also a good investment as it is an excellent way to protect your vehicle. When you own a car, you will want to know it is protected if there is an accident or other situation that results in a loss. With your auto insurance policy, you will have the support you need, which will minimize your costs if you incur a loss. 

As you are looking for a new auto insurance plan in the Victoria TX area, you will want to know that you are picking the right plan for your situation. Once you are ready to start looking for an insurance plan, you should call the Atzenhoffer Insurance Agency. The team with the Atzenhoffer Insurance Agency understands the value of this coverage and can help you build the right plan that meets your needs and appropriately covers your vehicle. 

The Basics of Renters Insurance

If you’re a renter, it’s important to have renters insurance. Here are the basics of what it is and why you need it.

What Is Renters Insurance?

Renters insurance covers your personal property, which means anything of value that belongs to you. This includes items like clothing, furniture, electronics, and other household items. It may also cover costs associated with some claims for temporary housing while repairs are made if the home was damaged by a covered peril (i.e., fire or storm). It also helps protect your legal liability if you are sued by someone injured at your rental property.

What Does Renters Insurance Not Cover?

Renters insurance protects a tenant’s personal property, but it doesn’t typically pay to replace the structure of the dwelling itself. If you own furniture or appliances, it’s important to know the item’s value. If you’re not sure, take some time to make a list or photograph some of your favorite items. This would help you understand how much it would cost to replace them if they were lost in a disaster. It’s also important to note that while renters’ insurance covers personal possessions, some items may need additional coverage (i.e., jewelry or furs) if they are particularly valuable.

Why Do I Need It?

When you rent an apartment or house, it means that the property owner is responsible for insuring the structure of the dwelling you live in. But if something happens to your personal belongings due to a fire, theft, or other covered event, renters insurance can help cover your losses.

Looking for Insurance in Victoria, TX?

If you’re a renter, it’s vital to get renters insurance. At Atzenhoffer Insurance Agency, we can help you get the coverage you need for your most valuable possessions. At Atzenhoffer Insurance, we believe in treating our customers like family. We’ll work with you to ensure you have coverage that meets your specific needs.

 

Motorhome Insurance Basics To Remember

Atzenhoffer Insurance Agency serves the Victoria, TX community. We are an independent agency. We have relationships with multiple carriers throughout the South. This allows us to offer our clients a variety of options. We are confident that we can help you find the coverage you need regardless of your situation.  Professionalism and integrity are our core values.

Motorhome Insurance Basics To Remember

Many Texas residents enjoy settling in their motorhomes. Perhaps you plan to take a fun vacation in the summer. Motorhome insurance offers a layer of protection as you deal with potential risks. Operating a motorhome can be dangerous at times. Motorhome insurance covers your asset if you are involved in a collision. Liability coverage steps in if you are responsible for the damages. In the event that you are traveling with friends and family, liability coverage protects you if someone gets injured in the motorhome. You can add personal injury protection to cover your medical treatment if you are injured.

Comprehensive coverage protects your motorhome in multiple ways. If you plan to camp out for a few days, comprehensive coverage protects you if someone breaks into your motorhome and steals your possessions or attempts to vandalize it. You always have to be aware of the constantly evolving weather conditions. Comprehensive coverage protects you if your motorhome suffers damage due to a natural disaster moving through the area.

If you plan to take a long-distance trip out of Victoria, TX, you can add emergency roadside assistance. This ensures that you will receive urgent attention if your motorhome breaks down due to engine failure, or you have a flat tire.

Atzenhoffer Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about motorhome insurance.

Types of RV Coverage Available

The RV insurance agents at the Atzenhoffer Insurance Agency in Victoria, TX are touting the importance of having the appropriate amount of insurance in place for your RV (Recreational Vehicle).

In the state of Texas, all vehicles that are driven on the public streets and roads must be insured with at least a minimum of liability insurance. RV liability insurance will protect you if you become involved in an accident that is your fault since it will cover any medical bills that are incurred by the other driver and that person’s passengers as well as any property damage that was caused. You may also want to have uninsured and underinsured motorist coverage to protect you in the same way if you are involved in an accident with someone who caused it to happen but does not have any insurance or not enough insurance in place.

Comprehensive and Collision Insurance Coverage

If you owe a bank or lender for money that you borrowed to purchase your beautiful new RV motorhome, you are probably required to have both comprehensive and collision insurance in place. If not, these are great policies to have to protect the investment you made in your RV. Comprehensive insurance will help fix or replace your RV if it is damaged or destroyed by an act of vandalism, a natural disaster such as a tornado or hurricane, or a fire. It will also help replace your RV if it is stolen while collision insurance will pay for repairs to your RV if you collide with another vehicle or an object.

Get Your Policy Started

To obtain a quote and get your policy started right away, contact the agents at the Atzenhoffer Insurance Agency in Victoria, TX today!

What should my Victoria, TX motorhome insurance cover?

Every motorhome is unique. Serving as both vehicles and homes, motorhomes can serve a variety of purposes. With numerous sizes, costs, and upgrades, owners can customize their experience. Luckily, motorhome insurance is just as diverse.

Finding the right coverage is just as essential as selecting the perfect motorhome. Serving Victoria TX, Atzenhoffer Insurance Agency understands the importance of finding an individualized policy. Their agents explain six items to consider when purchasing motorhome insurance.

Collision insurance

Your motorhome will spend a lot of time on the road. For this reason, even the most basic policies include collision coverage. This applies no matter who is determined to be at fault.

Comprehensive coverage

Outside of an accident, any other damage falls under comprehensive plans. Most plans will list what incidents are protected, but they may include natural disasters, theft, and vandalism.

Liability

Liability is an extra layer of protection in the event you or someone else is hurt during an accident. If you are found at fault, bodily injury liability has you covered.

Personal property

This is another form of liability. However, it protects possessions and belongs instead of individuals. Although there may be some overlap with homeowner’s policies, this covers motorhomes if they are damaged, destroyed, or stolen.

Uninsured motorist

Uninsured motorist coverage kicks in if another driver has inadequate insurance. This could compensate you for medical expenses, property destruction, and lost wages.

Optional add-ons

On top of this, there are countless options to add to any motorhome insurance policy. This list includes roadside assistance, storage protection, and loss of use expenses.

Contact the Atzenhoffer Insurance Agency

Located in Victoria, TX, the agency is here to help. Their experts can answer questions, discuss your needs, and create a policy that protects you and your family. Schedule an appointment today.

FAQ About Texas RV Insurance

When you are looking for RV insurance, the process can feel overwhelming, whether you are a first-timer or a full-timer, or just love your RV for life’s little adventures. There is coverage for everything when you have an RV.
There is the minimum liability coverage, and a variety of other add-ons that you can get to ensure you have the most comprehensive coverage. 

At Atzenhoffer Insurance Agency, we want Victoria, TX residents to have all of the RV insurance coverage that they need. Get answers here to some of your most frequently asked questions.

What Does Liability Coverage Protect?

Liability coverage protects you financially when you have been in a collision with your RV and you are held liable for the damages. This covers property damage and medical costs to third parties.

What Kind of Coverage Will Cover Me?

When you have been in an accident for which you are not at-fault, accident benefits will cover your costs. You can get those through collision insurance and comprehensive insurance packages.

This coverage will provide benefits for medical, property damage, and even lost wages or rehabilitation needs.

Is There Additional Coverage?

There are many add-ons that you can include in your RV insurance in Texas. That includes emergency roadside assistance, vacation costs, campsite liabilities, and contents protection.

What is Emergency Roadside Assistance?

If your RV breaks down, you can get 24-hour emergency roadside assistance with your insurance that will help with minor emergency repairs like batteries and tires, towing, and other problems that may arise if you are stranded.

What if My Vacation is Ruined Because my RV broke down?

If there is a problem with your RV that ruins your vacation, you can have that covered. There are other reasons you may have your vacation expenses reimbursed through insurance. If a problem arises and you lose your vacation, you can submit a claim to have that covered.

Get a Quote

This is just the beginning of the wide range of questions you will have when preparing to take your RV out of Victoria, TX. At Atzenhoffer Insurance Agency, we know how important it is for you to get complete coverage. Call us for a quote today.

Common Myths About Motorcycle Insurance

Are you thinking of buying a motorcycle? Most people think about it at some point in their lives. If you already decided to become a motorcycle owner, you should remember that you will also have to purchase motorcycle insurance in order to protect your new precious investment and yourself on the road. Unfortunately, motorcycle insurance has a lot of myths that should be debunked, and here is a list of a few of them. 

Common Myths About Motorcycle Insurance:

  • It is enough to have minimum coverage. Most motorcycle owners want to save money on insurance and purchase the minimum. However, the minimum coverage is not enough in most cases, especially when serious road accidents occur.
  • It is ok to cancel your policy during the winter months. Many motorcycle owners do not ride their motorcycles in winter and therefore decide to cancel their policies. However, in most cases, this causes their insurance rates to increase. Moreover, starting and stopping motorcycle insurance may also create a chance that a motorcycle owner’s registration will be canceled. 
  • Auto insurance covers motorcycle accidents. Motorcycles are excluded from auto insurance policies, which means that your auto insurance will not cover damages and losses associated with a motorcycle accident. For this reason, if you ride a motorcycle, make sure that you purchase a separate policy for it. 

Atzenhoffer Insurance Agency in Victoria, TX – We Help Our Clients to Get Insurance They Need and Deserve

If you live in Victoria, TX or any other nearby town in Texas and you are thinking of getting motorcycle insurance to be protected on the road, Atzenhoffer Insurance Agency will be glad to assist you in finding a perfect policy. Our experienced insurance agents specialize in all types of insurance, including motorcycle insurance as well. They will be glad to answer your questions and provide you with the information you need.