A Guide To Help Texas Residents Find Boat Insurance

Atzenhoffer Insurance Agency serves the Victoria, TX community, and the surrounding areas, by offering residents multiple types of insurance coverage. We strive to help our clients find coverage that aligns with their needs. As an independent agency, we will help you assess different options before making the best decision for your situation.

Boat Insurance Options

Victoria, TX is known for its warm and sunny weather. During hot summers, many people enjoy cooling off by the lake in their boats. If you enjoy operating a boat as part of your summer festivities, boat insurance is an asset. The policy protects you if an accident were to occur, and your boat suffers damages. You are also covered if your boat is stolen or vandalized due to a fire or another type of natural disaster. Liability coverage is another important part of your policy. Liability coverage protects your boat if you are involved in an accident, and you may be held responsible. The policy also covers you if you have passengers riding on the boat with you and someone suffers an injury.

You can amend your policy to cover attachments like anchors if they are damaged or stolen. The policy also covers any accessories that you choose to add to your boat. If you have any luxury items onboard, you may have to amend your policy to receive full coverage if something happens. If your boat suffers engine or equipment failure, you can receive emergency assistance.

Be aware that your policy will likely contain navigational limits that outline the areas where you can operate your boat and maintain coverage. If you use your boat outside of the outline area, you will not be covered if something happens.

Atzenhoffer Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.

What does flood insurance cover

Floods cause a devastating amount of damage every year in the United States. Texas has been hit by major flooding, and hurricane Harvey in 2017 comes to mind. Many people mistakenly believe that home insurance provides flood coverage, it doesn’t, and neither does renters insurance. As little as one inch of floodwater in your home can cause up to $25,000 in damage. If you don’t have flood insurance, you will be doing those repairs on your own. It could take a long time to come up with the money, or you will need to borrow the money. Neither option is particularly attractive. At Atzenhoffer Insurance Agency in Victoria, TX, we have a deep history in this town, and our customers are part of the Atzenhoffer family. 

Flood insurance is managed by FEMA ( Federal Emergency Management Agency) and is delivered to the public through NFIP (National Flood Insurance Program). You can purchase it directly from NFIP or through about 50 insurance carriers. Your policy will be rated by your risk level. You must, however, be in a community that is part of the NFIP program. Flood insurance comes in two parts, and they are sold individually. You can choose to have one or both. One part covers the building, and one part covers the content. 


The building portion covers the actual structure and the foundation. It also includes the stairs, kitchen cabinets, built-in bookcases, and major appliances like dishwasher, stove, and refrigerator. It includes the electrical, plumbing, water heater, furnace, central air conditioning, and well water tank. 


The contents are all the personal items like your furniture, small kitchen appliances, washer and dryer, decor, toys, electronics, clothing, and shoes.  

With changing weather patterns and rising waters, flooding has become an ever-present danger. At Atzenhoffer Insurance Agency in Victoria, TX, we would like to talk to you about the benefits of flood insurance. Call us or stop into our office and let you give you a no-obligation quote. 

Tips On Choosing The Right Auto Insurance

Choosing auto insurance for your vehicle is an important and intimidating decision because there is a lot to consider. Here are some useful tips from Atzenhoffer Insurance Agency serving Victoria, TX to help you get the right insurance that will meet your budget and needs:

Take Your Time To Shop Around

It is never a bad idea to compare rates from a few different insurance companies and shop around. It would help if you don’t rush to purchase the first policy you like or heard about. Take your time, do your research, talk to agents from at least three companies, and finally, you will be able to make an informed decision. 

Avoid Purchasing The State Minimum 

The state of Texas all car owners to carry the minimum liability insurance. However, in most cases, it is not a car owner’s best interest. Even though the minimum coverage provides some protection, it is not always enough if a person is involved in a severe car accident that results in injuries. Therefore, it is always recommended to increase an insurance plan, just in case. 

Evaluate Your Assets

Before purchasing a particular insurance plan, you need to evaluate your assets and determine how much they are worth. A good rule of thumb is to get a car insurance policy that provides coverage equal to the value of personal assets. It is a guarantee that your assets will be protected in case of an accident.

If you are a car owner from Victoria, TX or any other surrounding areas and you need to get or update your current auto insurance, do not hesitate to contact Atzenhoffer Insurance Agency. Our experienced agents will answer all your questions and help to find the policy you need. 

Three liabilities you don’t want to overlook when you purchase commercial insurance

You need to protect your company from liabilities that it faces with your commercial insurance policy. That’s why it’s important to be aware of what your company’s liabilities are. At Atzenhoffer Insurance Agency, we can help you identify your liabilities and find the right commercial coverage to protect your company against them. 

The following are three liabilities you don’t want to overlook when you purchase commercial insurance for your company in Victoria, TX.

Lawsuits over injuries or damages to customers

Unfortunately, accidents happen. No matter how devoted to safety you are at your commercial facilities, it’s always possible that a customer could become injured.

Personal injury lawsuits against your company can be costly. This is especially true if they involve having to cover large medical bills. 

Commercial liability coverage will cover the costs of personal injury lawsuits against your company. 

Libel or slander claims against you for advertisements

If you’re running advertisements that allude to competitors, you could potentially face libel or slander claims against your company. Your commercial liability coverage will cover the resulting costs. 

Damage that staff members of your company inadvertently cause to another parter’s property

Your company might include employee staff members to go out to the properties of customers to perform work. If this is the case, you need commercial liability protection to cover you if employees accidentally cause damage while working on another’s property.

Commercial liability coverage provides property damage protection. If your company is judged responsible for property damage to another party, your policy will cover the resulting damages. 

To learn more about your commercial liabilities, get in touch with us at Atzenhoffer Insurance Agency. We’ll help you find the right insurance solution in Victoria, TX. 

Why You Need Home Insurance

fAs a new homeowner in Victoria, TX, you may be wondering whether or not to purchase home insurance. If you’ve taken out a loan for your home, insurance coverage may be required by your mortgage company. Otherwise, the option of insuring your property is up to you. Here’s how a home insurance policy from Atzenhoffer Insurance Agency can protect what’s important to you.

Home Insurance Coverage

Standard homeowner’s insurance can protect your home, belongings, and financial assets from liability claims and lawsuits.  

  • Dwelling – This coverage protects your home structure against perils that are common in Texas like wildfire, tornado, tropical storms, etc. If your home is struck by one of these disasters, dwelling insurance will help pay for repair costs up to the limits on your policy. Ideally, you should purchase enough dwelling insurance to rebuild your Victoria, TX home, if it’s lost in a disaster.
  • Property – Property insurance protects your possessions to include wardrobe, furniture, appliances, electronics, and other items. A standard policy covers theft, vandalism, and many types of disasters. If your goods are costly to replace, property insurance can save you thousands of dollars or more out of pocket.  
  • Liability – Liability insurance protects you against accidents that cause injuries to visitors on your property. If a friend slips on your driveway and hurts his back, liability insurance will pay his medical costs, saving you from this financial burden. You never know when an accident will happen. That’s why it’s essential to be prepared with insurance coverage.

Why You Need Home Insurance  

If your home, goods, and financial security is important to you, home insurance is a must. With home insurance, you can face the future with confidence, knowing you’re protected against the unexpected.

To purchase coverage for your Victoria, TX home, call or visit Atzenhoffer Insurance Agency today.