Why should someone get flood insurance in Texas?

Owning a home in the Whitesboro, TX area can be a good option for many people. If you are looking to purchase a home here, it would be wise to always have the proper insurance in place. One type of coverage that all people here should consider getting is flood insurance. There are various reasons why having an additional flood plan could be a good idea for someone in this part of Texas.

Flood Insurance: What You Need To Know

Ensures Protection from Flood Damage

A primary reason to get a flood insurance plan when in this part of Texas is to ensure that you are protected against the risk of flood damage. If your home is damaged by floodwaters, the cost of remediation can be significant. A great way that you can offset this concern is by investing in a flood insurance plan. This coverage offers specific support that will cover the costs needed to repair or replace your home. 

Ensures Compliance

It would also be a good idea to get flood coverage to ensure you are in compliance with your obligations. If your home is located in a flood zone, most mortgage lenders are going to require that you carry flood insurance to adequately protect your home. Similar requirements could be set by home associations. Having this coverage will ensure you meet these standards. 

Contact Us Today

Anyone that would like to purchase a property in the Whitesboro, TX area should ensure they are covered with the right insurance. For many, this can include having flood coverage. To determine whether this is the right insurance for your situation, working with SWH Insurance Agency LLC is a good option. The team of SWH Insurance Agency LLC understands the need for this coverage and will offer any guidance necessary to ensure you select the right plan. 

4 Consequences of Driving Without Auto Insurance

If you want to operate your vehicle legally in Texas, you must invest in car insurance. Purchasing car insurance isn’t only about compliance but also cushions you financially when accidents happen. Unfortunately, you will still find motorists driving on Whitesboro, TX roads without car insurance. Here are the consequences of driving without car insurance, as highlighted by SWH Insurance Agency LLC. 

4 Consequences of Driving Without Auto Insurance

Fines and penalties

If you are caught without car insurance, you can face numerous fines and penalties. First-time offenders could be fined between $170 and $350. Penalties for repeat offenders are even higher. Besides, you could face license suspension, vehicle impoundment, and other penalties for driving without valid car insurance.

Higher insurance premiums

Motorists driving without auto insurance are considered high-risk drivers by insurance, and they could pay higher premiums. More, these drivers may be required to purchase SR-22 as proof of financial responsibility.

Pays for liability costs

Despite how careful you are on the road, you can’t predict when an accident is going to happen. If you are at fault for an accident, you are responsible for the bodily injuries and property damage you cause to other people. If you don’t have valid car insurance, you will have to pay for these costs from your pocket, putting your assets and savings at stake.

Uncovered own losses

Driving without car insurance means you have to be prepared to cater for your injuries and car damage when accidents happen. When you have insurance, the insurer compensates you for the damage or loss when something happens to your car. However, if you don’t have insurance, you have to use your savings to manage the loss. Is it really worth it?

Purchase car insurance today in Whitesboro, TX

Never think about driving without car insurance. The consequences are dire. Instead, purchase an affordable policy from SWH Insurance Agency LLC – we are here to assist you. 

Is Motorhome Insurance Required in Whitesboro TX?

If you’re a Whitesboro, TX resident and you own a motorhome, you may wonder if you’re required to have insurance. The answer is yes. All motorhomes you can drive alone, owners in Texas must carry liability insurance. Your RV coverage doesn’t fall under a home or auto policy.

What Motorhomes Need Insurance?

This doesn’t apply to a pop-up camper you pull in a trailer. But if your RV has its own power and brakes, it needs insurance. The law requires specific coverage for bodily injury and property damage. Your SWH Insurance Agency LLC representative can help you get the policy you need to drive your motorhome legally in Texas.

What Type of Coverage Do You Need In Texas?

Liability insurance pays for another person’s injuries and property damage if you’re at fault in an accident. Also, uninsured or underinsured motorist coverage will protect you if the other driver doesn’t have enough insurance.

Can I Get Full Coverage on a Motorhome?

Comprehensive and collision coverage will pay for damage to your motorhome, no matter who’s at fault. You can get full coverage on a motorhome, but it will be more expensive than liability-only insurance. You’ll also need to insure any attached trailers.

What Happens If You Don’t Have Motorhome Insurance?

If you’re caught driving without insurance, you could face a fine. Your registration may also be canceled, and your vehicle may be towed if you don’t pay the fines. Save yourself time and money and protect your recreational vehicle with an insurance policy.

Do you have questions about motorhome insurance in Whitesboro, TX? Contact SWH Insurance Agency LLC today. Our team is happy to help!

Recreational Insurance Options For Whitesboro, TX Residents

Are you a recreational vehicle owner or aspiring to be one? Your massive asset requires prolific protection from impending perils like theft and accidents. Regrettably, sometimes it’s challenging to choose the right recreational insurance because of limited knowledge or partnering with an unreliable agent. However, you will never regret choosing SWH Insurance Agency LLC as your go-to recreational insurance provider. We not only sell insurance policies but educate our clients to make informed decisions before making any purchase. Today, let’s look at various recreational insurance coverages to consider.

Liability coverage

It covers you when accused of causing bodily injury or property damage to others.

Medical payments coverage

What transpires if you get engaged in an accident with your toy culminating in injuries to you and your passengers? Are you prepared to pay exorbitant medical expenses out of pocket? Worry not because this form of insurance reimburses medical costs for you and your passengers after involvement in road carnage.

Uninsured or underinsured motorist coverage

Colliding with inadequately covered motorists or drivers who lack coverage may throw your RV’s breathtaking experience into disarray. This coverage pays for uncovered expenses when you collide with another driver who is inappropriately covered or doesn’t bear any insurance.

Personal property and belongings coverage

This coverage shields your personal belongings like camping equipment, athletic kits, phones, laptops, and sporting gear kept in your toy.

Comprehensive and collision coverages

Comprehensive coverage repairs or replaces your RV after getting damaged by non-collisional events like falling objects or fire. Additionally, we provide collision coverage that reimburses costs for reconstructing or restoring your RV when it’s damaged after colliding with other vehicles or stationary objects.

Are you in need of comprehensive recreational insurance in Whitesboro, TX? Don’t hesitate to contact our team at SWH Insurance Agency LLC for affordable and customized recreational insurance.


RV Insurance Myths To Avoid

SWH Insurance Agency LLC is an independent agency. We strive to help our clients in Whitesboro, TX find the coverage they need to protect what matters most. We work with several carriers throughout the South. This allows us to offer our clients different options so that they can choose a policy that aligns with their needs. We are confident that we can help you obtain the right coverage for your situation.

RV Insurance Myths

Many Whitesboro, TX residents enjoy traveling around in their recreational vehicles. This is a great opportunity for you to create some long-lasting memories. However, it’s important that you stay safe and protected on the road. RV insurance is an asset. RV insurance covers your vehicle if it suffers damage in a collision with another vehicle. If you have comprehensive coverage, you are covered if your RV is vandalized or stolen. Liability coverage protects you if your RV hurts someone or causes property damage. You are also covered if any passengers on your RV are injured. While you are looking over your RV insurance policy, avoid these common myths.

All Policies Are Similar

This is incorrect. There are multiple types of recreational vehicles. Perhaps you are looking for coverage for an ATV. Maybe your RV has a small trailer or camper. Every policy is different based on the type of RV being covered.

My Custom Accessories Are Covered

If you have modified your RV, you will have to amend your policy in order to fully cover your vehicle against possible damage.

I Can Rely On Auto Insurance

Auto insurance will not cover your RV if something happens to it. You’ll have to obtain a specific policy for your RV in order to protect your asset.

SWH Insurance Agency LLC Will Help You Protect Your Assets

Visit our website to learn more information about RV insurance.  

Protect your boat with a comprehensive policy

You can rely on the team at SWH Insurance Agency LLC for all of your boat insurance needs. We are here to provide a variety of different types of insurance for our Whitesboro, TX community.

Protect your boat today

Many boat owners start out with a basic policy when they first get their boat. They may soon learn that such policies don’t always provide the coverage they need.

With a comprehensive boat policy, you can spend your time out on the water without having to worry that you won’t be protected. When your boat insurance policy is inadequate and you experience a loss, you may have to shoulder some of the financial burdens yourself. For example, if you are involved in an accident that causes injuries, and your liability coverage is exhausted, the remainder of the expenses may fall to you personally.

No one wants to have to come out of pocket for expenses that could have been covered with a more robust insurance policy. Now’s a great time to sit down with a local agent and learn more about the options available. There is a lot of joy that comes with owning a boat, but there is also a lot of responsibility too.

Make sure that you are protected in the event of an accident, theft, or vandalism by choosing an appropriate policy for your needs. Don’t you think you’ll feel better with a comprehensive boat insurance policy?

Is it time to upgrade your boat insurance policy?

SWH Insurance Agency LLC is here to help boat owners in the Whitesboro, TX area keep their crafts safe. If you would like to learn more about the boat insurance policy options that are available in our area, call or stop by our office today.

What types of water damage do most flood insurance policies cover?

A flood insurance policy can cover a number of different types of water damage. Because of this, it is a policy type that is often recommended to clients of SWH Insurance Agency LLC who reside in the greater Whitesboro, TX area.

How to protect yourself from different types of water damage

Water damage protection and coverage can be confusing because of all the different types of water damage that can occur. In many instances, your protection will differ if your damage is caused by a flood, burst water main, interior pipes, or severe weather. To further confuse the matter, many homeowners’ policies will cover some types of damage but not others.

Even if you do not live in a confirmed flood area, flood insurance may still be necessary for your situation. It only makes sense to have all of the insurance protection that you need across a range of different types. If you want to have protection from all types of water damage causes, it makes sense to look into flood insurance today. 

Sitting down with an experienced agent can help you gain a better understanding of the different types of policies available and what type of protection you may need for your home. It’s time to take the guesswork out of flood insurance and protect your home today!

Find out more about available flood insurance policy options today

SWH Insurance Agency LLC is here to meet the insurance needs of the Whitesboro, TX community. If you have questions about flood insurance, we are here to help! Give us a call or stop by our office today.

Is Auto Insurance Required in Texas?

Drivers in Whitesboro, TX know how busy the roads in Texas can be, from residents to tourists… there’s traffic everywhere! Our highways and roads are becoming more and more accessible, which is convenient for residents. It also requires you to reevaluate your auto insurance policy to ensure you’ve got the best possible coverage for your lifestyle and needs. 

The team at SWH Insurance Agency LLC is here to help you with the daunting task of selecting an auto insurance policy. Texas state law requires that anyone operating a vehicle must maintain minimum coverage for their vehicle, to protect themselves and protect other drivers. 

Whether you travel for work, drive to pick up your kids from school and other activities, or just enjoy long road trips, auto insurance will give you the peace of mind in knowing that if something bad were to happen on the road, you’d be fully covered and not trapped with medical bills or repair charges that you can’t afford.

Financial hardship is one of the worst outcomes of accidents on the road. Everyone involved feels the effects of an accident, so we highly recommend looking into your coverage to make sure you are covered for your lifestyle. 

The risks associated with driving in Texas grow every year – the more people who move here, the more tourists that come to see what our great state is all about… it adds up to more drivers on the road and unfortunately, more accidents. 

You can protect yourself from these scenarios by investing in a high-quality auto insurance plan in Whitesboro, TX. Reaching out to the team at SWH Insurance Agency LLC may be the smartest thing you do as a Texas driver. Don’t hesitate, call us today! 

How Does Recreational Insurance Work?

Spending time in a recreational vehicle, also called an RV, can be a great way to travel and to see everything as you drive there. It’s a popular way to spend vacations and to work remotely while on the road. They offer a way to spend every night in your bed while going to new places as often as you desire. If you have questions about recreational insurance, call us at SWH Insurance Agency LLC in Whitesboro, TX.

A Home and a Vehicle

An RV is like a cross between a home and a vehicle, and it has some of the insurance needs of each. Much of the coverage available for recreational vehicles include protection against vehicle accidents and the damage and injuries they can cause. Getting liability for both medical bills and property damage is the minimum needed for an RV. However, because of the home component of the vehicle, you also need coverage for all of the items inside it. In an accident, important items like audio equipment can be damaged or destroyed. Your coverage can pay for this if it is added to the insurance policy. 

Factors in the Cost

Some people use their RV occasionally for a getaway. Others live in their vehicles either part-time or full-time. How often you use the vehicle is factored into the cost of your recreational insurance. The type of vehicle it is, i.e., which class it falls into, is also important to the price you pay. There are three classes of recreational vehicles, so it’s important to know which class your vehicle falls under before you get your recreational insurance. 

Get Your Recreational Policy

If you have a recreational vehicle that you use or even one that simply sits in your driveway, it should be covered by recreational insurance. Give us a call at SWH Insurance Agency LLC in Whitesboro, TX.


Texas Motorhome Insurance: How to Travel Safely With Children

The people of Texas really love their motorhomes, as they are a great way to take a vacation in and beyond the Lone Star State. With each trip comes a set of worries though, and you’ll want to be sure your motorhome insurance is up-to-date when the time comes for your next road adventure.

At SWH Insurance Agency LLC, we want Whitesboro, TX residents to be safe on the roads when traveling in your motorhome with your family. Follow these easy motorhome travel tips so that you can focus on the fun when traveling through your wide-open spaces.

Stay Seated

It’s tempting for the little ones to want to run around the motorhome when you are driving. There is more room to move around than during a road trip in the car. 

However, this is not always the safest option. Like any bus or plane trip, tell the kids to stay seated at all times unless they absolutely have to get up. Every turn or bump in the road could lead to a turn or bump with the kids.

Wear Your Seatbelts

For the same reason, seat belts should be mandatory in certain areas of the motorhome. When your living room is traveling 70 miles an hour on the highway, you want the kids to stay in one place.

Have the kids pick a zone that they will be comfortable in for as long as possible. If you need to make stops along the way for food, gas, or even a stretch, give them the hours or milestone marks where they know they will be able to get up and move around again.

It’s tempting to want to get up and move around. It’s not safe for the kids, or the driver.

Keep Them Busy

When your kids are anxious in a vehicle, it will impact your driving. Keep them busy in the motorhome with the same things you keep them busy with at home for extended periods. Headphones are useful, traveling when they are sleepy is also a good planning tool. Keep them busy, and you have one less thing to worry about on the roads.

Drive Safely

Before you head out on your next adventure, check your motorhome insurance policy and make sure you have every add-on and coverage you need. Adding roadside assistance and travel insurance to your policy will give you more peace of mind on the roads. At SWH Insurance Agency LLC, we want Whitesboro, TX residents to feel safe on the roads. Call us today to update your Texas motorhome insurance policy.