Gear Up for the Road: Motorcycle Insurance Essentials in San Antonio

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Thrills of Motorcycling in San Antonio, TX

Driving around San Antonio, TX on a motorcycle is an exhilarating experience. Amid the joys of riding, it becomes absolutely crucial to have adequate motorcycle insurance. Choosing the right policy becomes straightforward when you collaborate with experts, such as our team at Ellis Insurance Agency.

Identifying Suitable Coverage Options

Texas law requires basic motorcycle insurance to include collision coverage and bodily injury protection. This allows you to claim insurance if an accident occurs or someone experiences a bodily injury, including a passenger on your motorcycle.

Even though Texas doesn’t mandate it, additional coverage options are worth considering. These include:

  • Uninsured Motorist Coverage: Provides protection when the other party involved in the accident is uninsured.
  • Comprehensive Coverage: Handles damages to your bike occurring outside of driving scenarios.
  • Roadside Assistance: Comes in handy when your motorcycle breaks down and cannot be driven home.

Opting for more extensive coverage can give you increased comfort and peace of mind.

Enhanced Safety through Extra Protection

Though increasing protection might marginally raise your premiums, it could potentially save you a considerable amount in case of claim filing. Apart from insurance, additional steps can bolster your safety on the road.

  • Helmet: Always wear a protective helmet.
  • Boots: Choose boots with sturdy soles.
  • Jacket: Wear a jacket to prevent road rash in case of accidents.

The more precautions you adopt, the safer you will be.

Choosing the Optimal Insurance Policy

Several factors influence your choice of motorcycle insurance in San Antonio, TX. These include the type of bike you own, your riding experience, and even your neighborhood. Insurance companies consider all these when offering policies.

To procure a policy that gives you confidence on the roads, let our agents at Ellis Insurance Agency assist you in exploring the right coverage and obtaining quotes. Contact us today!

A First-time Buyer’s Guide to Boat Insurance

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Owning a boat is more than a luxury item as it is a way of life. Still, your investment needs protection. 

Boat insurance is more detailed than other types of insurance. The policies vary in coverage as the agreement’s content can be puzzling. Ellis Insurance Agency in San Antonio, TX offers their knowledge and expertise to create a policy that gives a first-time buyer peace of mind.

What is Boat Insurance?

A standard boat insurance policy will protect your watercraft from damage caused by a sea accident, destroyed by fire, or struck by lightning. The coverage protects your wealth. Without boat insurance, you would be legally responsible for paying for all damages and injuries suffered in the accident. It would be quite an expensive endeavor that could bankrupt you. But boat insurance will cover all repairs, medical care, and legal fees for a potential lawsuit.

Liability Coverage is a Must-Have

Your boat insurance policy should have liability coverage that exceeds the amount required by state regulation. Usually, it comes in the form of property damage and bodily injury liability coverage. Each protects policyholders by paying for all damage to another person’s boat or property in an on-water accident because you were at fault. Also, liability coverage will pay all medical bills, lost wages, and other related expenses.

Other Boat Insurance Coverage Options

Attaching additional coverage to your existing boat insurance policy is optional. But, it is wise to research and choose coverage options that further protect your watercraft. Collision coverage is a valuable addition if your boat is involved in an on-water accident. The addition covers the repairs and possible replacement of your boat. Salvage coverage assists when your boat is deemed unworkable and beyond repair. Most salvage companies request to be paid upfront before towing your boat away. The coverage pays for all expenses.

If you are unsure if boat insurance is needed to protect your watercraft, speak with Ellis Insurance Agency in San Antonio, TX. Our staff can assist in creating a policy that meets your boat insurance needs. Call and schedule an appointment today. 

How Umbrella Insurance Gives You More Liability Coverage

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If you already have auto and home insurance policies, you have a lot of protection against a wide range of risks. However, you might not have as much liability coverage as you think. It’s important to always be well-covered by insurance policies that will serve you in case of an emergency. Home and auto policies are highly needed, but an umbrella policy makes them even better. When you want an umbrella policy, call us at Ellis Insurance Agency in San Antonio, TX. 

Liability Coverage

Your liability coverage is what pays for the damages to someone else after an accident has taken place. Your home insurance has liability coverage in it in case someone from outside your household gets injured in an accident in your home. When this happens, it can cost a lot in medical bills and other costs. Your auto insurance pays for the other party’s medical costs and property damage when you are in an accident in your vehicle. However, both of these amounts of liability coverage may not be very high. They probably couldn’t cover a serious accident. That’s where an umbrella policy steps in. It adds more liability coverage to your home and auto insurance policies so that you have the protection you need. 

How It Works

When there’s a serious accident, the first to step in is your auto or home policy. This will pay as much as possible, but it’s limited by your maximum payout. If there’s still money left over to pay, you would owe that amount, and it could be quite high. However, when you have umbrella insurance, that’s where it comes in and pays for what’s left over. 

Get Umbrella Insurance

When you want the liability protection that comes from umbrella insurance, call us at Ellis Insurance Agency in San Antonio, TX.

4 Times You Should Buy Flood Insurance

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Flood insurance is increasingly important, considering that the climate seems to be less predictable than ever. Ellis Insurance Agency, serving San Antonio, TX, offers flood insurance any time of the year; there’s no need to wait for a special flood insurance enrollment period.

Here are four times when you should consider this important investment:

1. You Hold Business Inventory

Flood insurance isn’t just for homeowners. It’s also available for commercial buildings, such as warehouses and distribution centers. If you hold business inventory inside a separate building, you should definitely buy flood insurance to cover that premises. There’s no reason you should risk your business to flooding.

2. You Live in a Low-Lying Area

Even if your property isn’t technically in a flood zone, you should consider flood insurance if it’s in a low-lying area. Freak rainfall and flash floods can occur almost anywhere, including in arid climates like San Antonio. Valleys and other low-lying areas are particularly susceptible to these weather events.

3. Following Certain Regional Environmental Changes

If there have been recent changes in your local environment, such as new construction, deforestation, or changes in nearby water systems, these can actually alter water runoff patterns and increase your flood risk.

4. If Flooding Has Occurred in the Past

It pays to research the historical records of both flooding in the area and flooding in your property. The previous owners may be able to tell you if your property has flooded in the past, but local town hall records might be more accurate and reliable. In any case, past flooding can be an indicator of future risk.

Call Today To Discuss Your Options

For help assessing your need for flood insurance, contact your insurance professionals at Ellis Insurance Agency serving San Antonio, TX. We look forward to serving your needs.

Why Condo Owners Are Required to Have Condo Insurance

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When you own a condo, there are a lot of things that can happen to it. You need condo insurance to protect the investment you’ve made in your home and your belongings. If you’re like most condo owners, this insurance is required for you. It’s likely required by at least two entities, so it needs to be in place as soon as you buy your condo. When you need to get a condo policy, call us at Ellis Insurance Agency in San Antonio, TX.

Your Mortgage Lender

When you get a mortgage for your condo, the mortgage company will require that you have condo insurance for your new home. It’s important to them that you have this coverage because it covers the investment that they’re making in the property. If you didn’t have condo insurance and the home was damaged or destroyed, you may be unable to get it repaired because of the cost. This would mean they own a damaged property that you may abandon because of the damage. This would cost them a lot for repairs or rebuilding. 

Your Condo Board

Because your condo is a part of a larger building, the condo board will also require you to have condo insurance for your property. This will prevent a damaged condo from staying damaged and bringing down the rest of the building. They will want to know that the funds will be available for repairs if they’re needed. With condo insurance, repair funds will be there after a covered event causes damage to your condo. 

Get Condo Insurance Today

It’s generally required for condo owners to have this coverage. But even if it isn’t, you need this insurance to protect yourself financially. To get started with a condo policy, call us at Ellis Insurance Agency in San Antonio, TX. 

EIA Newsletter – Fall is Finally Here!

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Our team and families are grateful for the nice, cooler weather. Read on to learn more about Home and Auto rate increases, meet our two newest team members, and our latest Commercial Spotlight!

Understanding Home and Auto Rate Increases

Thanks to Travelers Insurance, we wanted to share two visuals to help you understand why we’ve seen rate increases in Home and Auto insurance.

We hope these visuals can help you understand some of the reasons for rate increases. If you have any questions about your policy/policies, please feel free to call your agent! We are here to help.

Welcome to the team!

We are excited to expand our team to create a better experience for our clients. Please welcome Yvonne and Mary Lou!

Yvonne joins our commercial team as a Commercial Account Manager. Check out her proudest moment and what she does to stay “zen” by clicking HERE!

Mary Lou came on as a Client Service and Sales Consultant for our Personal Lines team. She has been in the business for 20+ years and loves the outdoors! Find out more about MaryLou by clicking HERE!

Commercial Spotlight

Our most recent Commercial Spotlight was Statesman Hair Restoration and Aesthetics. They specialize in hair transplant right here in San Antonio. Their microscopic analysis lets them see underneath the scalp to determine the root of the problem. Hair loss can be caused for many reasons, so if you or anyone you know are experiencing hair loss or thinning, Statesman offers FREE consults. You can visit their website by clicking HERE.

Referral Winners – July and August

Did you know that for every referral you send to us, your name is entered in for a chance to win a $100 Amazon gift card for that month? Yes! It’s true! We are so thankful for our clients and appreciate your referrals and reviews. Had a good experience? Let us know! Thank you to our 2023 July and August client referral winners:

  • Laura Guerrero-Redman
  • David Dullnig

EIA Thanks you for your trust and support. We love our clients!

Have you had a great experience? Feel free to leave us a Google review!

On the Front Lines: How Auto Insurance Supports Emergency Services

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Emergency services in and around San Antonio, TX, including police, fire, and medical response teams, are dedicated professionals who work tirelessly to serve their communities, often responding to life-threatening situations and emergencies. However, their critical work comes with unique challenges, one of which is reliance on vehicles for rapid response. Auto insurance supports emergency services and ensures their operations run smoothly.

The Importance of Auto Insurance for Emergency Services

Emergency services heavily rely on vehicles to respond quickly to incidents. Whether it’s a police cruiser, a firetruck, or an ambulance, these vehicles are essential to their work. Auto insurance for emergency services provides:

1. Vehicle Replacement: In the event of an accident or damage to a vehicle, auto insurance covers the cost of repair or replacement. This ensures emergency services can maintain their fleet’s readiness and respond to calls immediately.

2. Liability Protection: Liability coverage protects emergency service personnel and their organizations from potential lawsuits in the event of an accident while on duty. This safeguard allows emergency services to focus on their critical work without the burden of legal and financial consequences.

3. Personal Injury Coverage: Auto insurance covers personal injuries sustained by emergency service personnel while on duty. It ensures that medical expenses and rehabilitation costs are handled, allowing first responders to recover and return to service as soon as possible.

4. Uninsured/Underinsured Motorist Coverage: This coverage safeguards emergency service vehicles and personnel if involved in an accident involving an uninsured or underinsured driver. It ensures that medical care and vehicle repair costs are covered, even when the responsible party lacks adequate insurance.

Ellis Insurance Agency Can Help You

At Ellis Insurance Agency, we can help answer questions concerning auto insurance. We serve the San Antonio, TX area. Contact us today. 

Renters Insurance for Gamers: Protecting Your Setup

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Are you a passionate gamer who has invested countless hours and hard-earned money into building the ultimate gaming setup? Whether you’re a console enthusiast, a PC gamer, or even a retro collector, your gaming equipment is more than just a hobby; it’s an integral part of your life.

But have you ever considered how vulnerable your gaming gear is to unexpected events like theft, fire, or accidents? That’s where renters insurance comes into play, and here at Ellis Insurance Agency in San Antonio, TX, we want to help you protect your gaming setup. 

Renters Insurance for Gamers

Renters insurance isn’t just about covering your living space; it’s also about safeguarding your personal property. Your gaming equipment – consoles, gaming PCs, monitors, controllers, and game collections – all qualify as personal property. In the event of a covered loss, renters insurance can help you recover the cost of repairing or replacing your gaming gear.

Renters (and gamers) are often surprised to find that renters insurance is surprisingly affordable. For just a small monthly premium, you get peace of mind knowing that your gaming setup is protected. Plus, you’ll have coverage for your other personal belongings and liability protection, which can be crucial in case someone gets injured in your rental space.

Consult With Us

In the world of gaming, where your setup represents years of dedication, renters insurance is a smart investment. Don’t leave your gaming gear vulnerable; contact Ellis Insurance Agency in San Antonio, TX today, and let us help you choose the right renters insurance policy to safeguard your gaming kingdom. With the right coverage, you can game with the confidence that your setup is secure no matter what life throws your way.

Does “Full-time” RV Insurance Apply To You?

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It does if you plan to or actually live in your San Antonio, TX RV three-quarters of a year to full-time. You need full-time RV insurance if you travel in your vehicle rather than parking it. In fact, 150 nights constitute a full-time residence parked or moving.

There isn’t a huge difference between part-time and full-time coverage. Even if you live in your RV, you’re technically not "vacationing," so you don’t need vacation liability coverage. However, getting an RV insurance policy would be a good idea, and Ellis Insurance Agency will show you why.

How An RV Differs From A Home

Your home insurance covers the structure’s contents in case of an emergency. RV insurance doesn’t. Full-timers RV insurance will pay for damages in the area on someone else’s property in which your vehicle is parked. This is called loss assessment coverage and differs completely from home insurance. 

You’ll need full collision, comprehensive, and liability in addition to covering the contents. All this will pay for damages you cause in an accident including medical. 

What To Look For In Full-Timers RV Coverage

San Antonio, TX RVers need to recognize that if they’re living in their vehicle, then part-time or vacation RV insurance won’t apply. Also important are:

    • Medical coverage and mandatory personal liability coverage are very important.

    • Emergency expenses cover the cost of food and hotels if you’ve filed a claim for covered emergencies in excess of 100 miles from home.

    • Roadside assistance comes in handy if your vehicle breaks down or for some other reason requires towing. 

    • Coverage exists for RV accessories such as a TV antenna, satellite dish, awning covers, and more.

Schedule A Consultation Today!

Living in your RV is fun and adventurous. Protect those adventures by calling or dropping by Ellis Insurance Agency to learn more about full-time RV insurance.