If you own an RV in Austin, TX, it’s important to have an RV insurance policy. However, what it covers will depend on you. A basic policy will cover liability, ensuring that you are protected if someone gets injured by your RV or if your RV damages someone’s property. What it covers beyond that is up to you.

At The Policy Source, we’re here to make sure that your RV insurance policy covers all that you need and want.

Just like an auto policy, you can add to an RV policy to include more. This will allow you to be protected against more scenarios, such as a break-in, vandalism, or something outside of your control damaging your RV. Having more coverage is optional, though it makes sense to make sure that you are protecting your investment.

Consider how much you spent on your RV. Without sufficient coverage, you could end up spending a lot of your own money to repair or replace your RV. You don’t want to have to go through that. With the right insurance policy, you can file a claim. You would pay the deductible. After that, the insurance company would pay up to the limits that you have.

As for what those limits are, you will need to meet state requirements for liability. You can, then, increase those limits for more financial protection. By doing so, you limit the likelihood of having to pay out of pocket considerably for an accident that happens with your RV.

The Policy Source is here to help you get your RV covered in Austin, TX. Rather than feeling overwhelmed by the choices, let one of our independent insurance agents guide you through the process. Then, you can enjoy peace of mind knowing that you have sufficient insurance on your RV.

As an avid motorcyclist in the greater Austin, TX area, there are times when you want to bring a fellow passenger along for the ride. You might even want to let another rider take a spin on your motorcycle. But before you do either, you’ll want to make sure that passenger or rider benefits from your motorcycle insurance coverage. It all depends on the type of coverage you’ve purchased with the help of the independent agents at The Policy Source.

If you only have the minimum liability coverage needed to legally ride, it may not be enough to protect other riders or passengers. Most liability-only coverages are designed to protect only the named policyholder in the event of an accident. Unless your passenger or rider has their own insurance coverage, they’ll have little to no coverage to rely on if they’re seriously hurt.

That changes once you add comprehensive and collision coverage to your motorcycle insurance policy. Having full motorcycle insurance coverage affords you and your passengers more protection. In the event, another rider damages your bike, your policy will still cover the damage.

Not all insurance plans are the same, however, so it’s a good idea to ask your independent agent for more details. Don’t forget that you have the option of adding other riders to your insurance policy, especially if they’re frequent riders. By being specifically named under your policy, other riders will enjoy the same protections against liability, property damage, and other unforeseen circumstances.

Anything can happen when you’re out on the highways and byways of Austin, TX. If you need a new motorcycle insurance policy or want to add new riders to your current policy, don’t hesitate to call The Policy Source today.

There are different points of vulnerability if you use your boat for both recreational as well as commercial uses. It is a keen idea to be able to make money doing something you love. There are many people who make their living on the water engaged in various enterprises. 

Firstly it is important to understand fully where your vulnerability lies.  A commercial policy may be in order as well as your boating insurance policy. There is a vast difference in what you will need depending upon the type of enterprise you are engaged in from chartering your boat for tours through commercial fishing enterprises. Insurances become quite specific in how it can cover you and others as well as your property liability.

While the short answer is yes – there is a difference in insurance, the long answer involves a conversation with a professional. Speak with one of our agents today to make certain you have every facet of insurance that you need for both work and play .  

The Policy Source Specializes in Boat Insurance

No matter what your individual needs are in terms of your boating use – commercial or recreational. When next on land stop by our The Policy Source office is in Cedar Park TX in  Austin, TX. We look forward to assisting you with finding the most comprehensive and sound boat insurance policy for your needs.

We Go Beyond Boating – So Do You – Our Focus Is Protection

Your life includes boating but you have other insurance needs as well. The Policy Source can help you with all of your other insurance needs:

• auto
• renters
• home
• recreational vehicle
• life
• condo
• motorcycle
• flood 
• umbrella

If you have a home policy as well as personal liability coverage, you may wonder if an umbrella policy is a good fit for your insurance portfolio. Clients in the greater Austin, TX area with a large net worth are not the only people who can benefit from adding an umbrella policy to their current coverage. The team at The Policy Source is here to answer all of your questions and help you determine if this type of coverage makes sense for you and your family.

Situations where a personal umbrella policy makes sense 

Every policy, whether homeowners or auto or anything in between, includes coverage limits. This is the absolute maximum that your insurance provider will pay out. Clients who have a high level of assets, or are at risk of liability exposure, often find that an umbrella policy can provide the peace of mind that they need. Consider a situation where someone is injured or suffers another type of mishap on your property and brings judgment against you. Such a situation can cause a lot of emotional and financial stress on you and your family. Such an instance would likely exhaust the maximum payout of a typical homeowner policy and you would be responsible for any amount not covered by your insurance. With a personal umbrella policy, you will have additional coverage that can cover the excess amount that is part of a legal case. Don’t leave your family’s assets unprotected!i

Interested in learning more about how an umbrella insurance policy can help protect you and your family? Contact the team at The Policy Source today and find out more about this effective instrument to provide coverage in the greater Austin, TX metropolitan area.

Riding a motorcycle in Austin, TX has a wide range of benefits, including saving money on the cost of gas. If you are considering buying a motorcycle, regardless of the reason, there are several things you will need to take into consideration before buying your first motorcycle. Here are a few tips to ensure you buy the best “first” motorcycle for you.

Know the Safety Rules

First, and most importantly it is essential that you understand the level of safety required to ride a motorcycle. If you aren’t familiar with the different types, brands and engine sizes, you may end up buying a bike that is too large or not made for the purpose you intend to use it for. Always do your research to learn about various engine sizes, accessories that can make riding safer and more enjoyable and always wear the appropriate clothing and equipment. A helmet is a must, especially for beginners, you should also wear motorcycle gloves, long pants, sturdy shoes and eye protection.

Have a Budget

There are hundreds upon hundreds of styles and types of motorcycles to choose from, some of which can cost several thousands of dollars, so before heading out to the local motorcycle dealership-have a budget in mind. Know what you can afford and if you are financing the motorcycle, keep in mind that the payments typically do not include insurance coverage and you will also be responsible for the cost of maintaining your motorcycle.

Before you even consider taking a ride on your new motorcycle, it is extremely important that you obtain a motorcycle permit. To learn more information contact your local bureau of motor vehicles to inquire about the documentation you will need and the testing times and days. Remember, just like when operating a car, you must have insurance, so don’t forget to contact your insurance agent about motorcycle insurance.

Residents of Austin, TX interested in learning more information about motorcycle insurance or upgrading their policy should contact The Policy Source.

Boat insurance covers a wide range of things and one of them is the replacement of your boat if it is destroyed in an accident. When it comes to boat insurance, it is helpful to know just what it covers so you can be sure your boat is fully insured and ready for the water. For those that live in the Austin, TX area, the agents with The Policy Source can help you find the perfect policy for you.

There are a wide range of things that your boat policy is going to cover and each is important to the overall protection of your boat. Things like an injury to other boaters, damage to the boats of other boaters, and damage to your own boat are all covered. It is helpful to take a moment to find out just what your boat policy covers before taking it out and before getting a new boat policy.

Most boat policies are going to cover the cost of repairing your boat if it is damaged in an accident or while in use on the water. The same number of policies are also likely to pay for the replacement of your boat should it become destroyed while in use. If your boat is destroyed while parked at your home you may need to use your home insurance to cover the cost of the repairs. You always need to take the time to consider just what you want your policy to cover when you take it out to help make sure you are getting the policy you need and want.

Most policies are going to cover replacement if you pay your deductible. For those that live in the Austin, TX area, the agents with the Policy Source can help.