Three important facts about flood insurance

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Floods are a threat to your home and family. There’s no denying that fact. Yet misinformation can be even more dangerous. Many incorrectly assume they are safe, failing to take even the most basic precautions. Even in The Lone Star State, you are at risk of flooding under the right conditions.

Fortunately, SWH Insurance Agency LLC can help. Serving Whitesboro, TX, the agency wants to set the record straight when it comes to flood insurance.

Here are three important flood insurance facts that everyone should know:

Flood insurance is for everyone, everywhere.

It’s not just for homeowners. Renters may have some protection under their landlord’s policy, yet this is limited to the exterior of the building. And flooding can impact everyone at a moment’s notice. In fact, according to FEMA, individuals who live in low-to-moderate risk zones are still five times more likely to face a flood than a fire. Although it’s rarely required, flood insurance is always a necessity. 

Flood insurance is missing from most other policies.

You aren’t already covered. This is a common misconception. In reality, standard homeowners’ and renters’ plans exclude flooding. Only dedicated flood insurance coverage can safeguard your belongings and your residence from rising water.

Flood insurance is easy to add.

It’s often as simple as contacting your local, private insurance company. Your agent will evaluate your location and conduct a risk assessment to determine what policy is right for you. But each flood insurance policy is federally supported and backed by the National Flood Insurance Program.

Give Us A Call

SWH Insurance Agency LLC, serving the greater Whitesboro, TX community, provides more than just information. Our team of insurance experts can find a flood insurance policy that can keep you afloat if disaster strikes. Call us to set up an appointment today.

Steps to Take After an Accident

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Whitesboro, TX residents are required to have automobile liability insurance by law, and the minimum requirements are $30,000 per injury for each individual and $60,000 per wreck, along with $25,000 in property damage. Most lenders will require full coverage if a balance is owed on a vehicle, though many motorists whose vehicles are paid for also opt into these protections. Our team of insurance experts at SWH Insurance Agency LLC is here to help. 

What To Do After An Accident

The very first imperative when involved in an accident is to make sure all parties are safe. Moving the vehicles is recommended when it is possible to do so safely, as these can cause other collisions when left on the road. When it isn’t possible to relocate the automobiles, utilize the hazard lights, cones, or flares if available. 

Those without injuries should get to an area off the road and away from traffic. Care should be taken not to handle those with injuries unless absolutely necessary due to dangers from fire, congested roadways, or other life-threatening situations. 

Call 911 and speak to dispatch about what happened, answering all questions to the best of your ability. Filing a police report can help you later on, as details can be hard to recall later on, and it provides a written account provided by a third party. Obtain the officer’s name, badge number, and phone number as well as the police report number. 

Do not admit fault, and document the wreck with photographs. Be sure to exchange information with the other driver, and write down their contact details and insurance carrier information. Lastly, contact your SWH Insurance Agency LLC agent. 

We Can Help 

SWH Insurance Agency LLC faithfully serves the Whitesboro, TX region and can help automobile owners with their insurance needs. Reach out to us today by phone, email, or by stopping in the office. 

What Types of Vehicles Are Covered Under Recreational Insurance?

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If you love to spend time exploring the outdoors, you may have many large toys that you have purchased to help you when you are exploring the wilderness and all mother nature has to offer. Recreational insurance can help to cover these toys. One of the questions that we at SWH Insurance Agency LLC, serving the Whitesboro, TX region, are often asked is what types of vehicles are covered under recreational insurance policies.

Here are some of the most common vehicles that are covered under this type of insurance:

RVs, Motor Homes, and Campers

One of the types of vehicles that are covered under recreational insurance policies is RVs, motor homes, and campers. If you enjoy camping or spending time outdoors, you may have one of these vehicles. Typically, RVs with their own motor home get covered under their own policy. RVs, motor homes, or campers that are pulled behind your vehicle are covered under recreational insurance. 

Boats and Jet Skis

Another type of vehicle that is often covered under recreational insurance is boats, jet skis, and other types of watercraft. Basically, if the watercraft has a motor, it needs to be insured before you can operate it on the water. 

Off-Road Vehicles

Lastly, off-road vehicles, including things such as ATVs, sand buggies, dirt bikes, and snowmobiles can be covered under recreational insurance. If you have any other types of vehicles that you use in sand, on dirt, or off-road, it likely is also covered under this type of policy. 

Give Us A Call

Recreational insurance usually covers the large toys that people use recreationally or for fun. If you are looking to cover one or more of the items listed above, a recreational insurance policy may be perfect for you. Reach out to SWH Insurance Agency LLC, serving the greater Whitesboro, TX area, to learn more about obtaining a policy. 

Our Motorhome Hit a Deer. How Soon Will Our Motorhome Insurance Pay?

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At SWH Insurance Agency LLC, we know deer strikes cause extensive damage to your motorhome. In addition, motor home repair often requires waiting for specialized parts and paying eye-popping labor costs. While you wait for estimates and repairs, the last thing you want is a delay in cutting your claims check. 

Here are a few steps that you can take:

Call the Game Warden

Texas requires you to report an injured deer to the local game warden. Moreover, if the animal dies, you may move it to the side of the road, but you may not tag it and take it home. Instead, the Texas Department of Transportation will remove the deer. 

Call us at SWH Insurance Agency LLC in Whitesboro, TX

Call the claims number on the back of your insurance card, preferably at the accident site, to start your RV insurance claim. You will receive a claim number and the claims adjuster will come to the accident site or tell you where to tow your motor home for an assessment.

Contact Texas DOT

While you wait for the claims adjuster, call 800-558-9368 if you cannot move the deer or if you see RV parts in the roadway. If no debris clutters the road, report the deer at the Texas DOT website under the link – "Something on Road." Then, select "dead animal" from the drop-down menu and complete the online form.

Call the Recommended RV Repair Shops

You can request our agents for contact information for repair companies. First, however, you can call whichever RV repair shop you know and trust. 

Get Motorhome Insurance Today

Although repairs might begin immediately, your claim payout might take 30 days or more to process. Stay in touch with us at SWH Insurance Agency LLC in Whitesboro, TX, and make sure to insure your vehicle with motorhome insurance coverage.

What Are The Different Types Of RV Insurance Coverage?

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When you are driving your RV, you want to know that you are fully protected in case of an accident. That’s why it’s important to have the right type of RV insurance coverage. There are many different types of RV insurance available, and it can be confusing to figure out which one is right for you.

Here are the different types of RV insurance coverage and explain what each one covers:

Liability insurance

This type of insurance covers damage that you may cause to other people or property while operating your RV. It’s the most basic type of RV insurance and is required in most states, so get yours at SWH Insurance Agency LLC in Whitesboro, TX.

Liability coverage includes:

  • Bodily injury liability: This covers medical expenses and damages if you injure someone else in an accident.
  • Property damage liability: This covers damages to someone else’s property, such as their car, if you cause an accident.

Collision and Comprehensive Insurance

This type of insurance covers damage to your RV if it’s involved in an accident. It also covers theft and vandalism. Collision and comprehensive coverage are not required in most states, but it’s a good idea to have them if you can afford it.

Collision coverage includes:

  • Repair or replacement of your RV
  • Rental car reimbursement
  • Towing and labor costs

Comprehensive coverage includes:

  • Repair or replacement of your RV
  • Towing and labor costs
  • Damage from events such as fire, flooding, or hail
  • Theft of your RV or contents inside it.

Personal Injury Protection

This type of insurance covers medical expenses for you as well as the passengers you had in the car if any were injured in the accident. Usually, it doesn’t matter who was at fault. PIP is required in some states but not others.

PIP coverage includes:

  • Medical expenses
  • Lost wages
  • Funeral costs
  • Child care expenses
  • Other expenses such as housekeeping or transportation

Contact Us Today

Now that you know the different types of RV insurance coverage, you can start shopping for a policy that meets your needs. Be sure to compare rates and coverages from different companies before you make a decision. Get in touch with SWH Insurance Agency LLC in Whitesboro, TX today to get started. We would be happy to help you find the right RV insurance policy for your needs.

Are you looking for a lender you can trust?

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Kerstie Clark joined Blink Lending & Investments with a unique background that our entire team and each of her clients equally benefit from. Kerstie grew up in a Dallas suburb and moved to Houston after graduating law school from the University of Oklahoma’s College of Law. As the daughter of a construction engineer, she often visited construction sites of commercial projects and custom-built homes and has a true appreciation for the inherent value of investing in real estate.

As a practicing attorney in Houston’s oil and gas industry, Kerstie has dealt with numerous multi-million-dollar contracts which, over the years, has sharpened her impressive business, writing, and financial skills. More importantly, her legal background has taught her the value of exceptional client service and professionalism, which she brings to the Blink team. Kerstie recognizes the importance of building genuine, long-term relationships with her clients and strives to do so by serving as a trusted ally and customizing each loan based on her clients’ specific needs. Along with her law degree, Kerstie has a bachelor’s degree in business marketing from the University of Oklahoma and is passionate about Sooner football.

As a former Division 1 athlete, Kerstie learned to be disciplined and to face adversity with grace. She enjoys being challenged and doesn’t shy away from an opportunity to grow in both her personal and professional life. Outside of work, Kerstie is a dedicated wife and mother of two young children. She enjoys giving back to the Houston community as a volunteer on the Parade Committee for the Houston Livestock Show and Rodeo.


NMLS #2155531		Kerstie Clark
Loan Officer
972.765.1912
kerstie@blinklending.com
713.GO.BLINK (462.5465)

What happens if your boat is damaged while in the marina?

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SWH Insurance Agency LLC is here for the boat owners in the greater Whitesboro, TX area. If you have questions about boat insurance, we are here to answer them! Don’t wait until you have an incident to get your insurance questions answered. We are here for you now!

Your boat’s been damaged in the marina: what happens next?

Owning a boat is a lot of fun, and it’s a perfect way to spend time with family and friends. Of course, there is also a lot of responsibility, and boat owners know how important it is to protect themselves and their crafts. 

Accidents out on the water aren’t the only way that your boat can be damaged. If your boat is damaged when it is in the marina, you will need to take a few steps. First of all, you will want to ensure everyone’s safety. Once your boat and passengers are out of direct harm, you’ll want to assess the situation.

When repairs are required, contact a boat repair company that is approved by your insurance carrier. If the issue is that your boat has been damaged due to vandalism or negligence, you will want to talk to the dock master right away about having them save any relevant footage from nearby security cameras. Calling the police to file a report should also be done in a timely manner for your protection. 

Give us a call today!

Whitesboro, TX area boat owners can rely on the SWH Insurance Agency LLC team for all of their insurance needs. If you have questions, or would just like to learn more about the boat insurance policy options that are available in our area, give us a call or stop by the office today!

Why should someone get flood insurance in Texas?

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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

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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?

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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!

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