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Boerne, TX 78006

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Texas Insurance Blog

Vehicle Modifications and Auto Insurance: What Boerne Residents Need to Know

In Boerne, TX, vehicle modifications are quite popular. From upgrading engines to adding custom paint jobs, modifying your car can make it more comfortable, impressive, or efficient. However, it’s crucial to understand that these alterations may affect your auto insurance.

1. Vehicle Modifications Can Change Insurance Premiums

When you modify your vehicle, the value, performance, and safety features might change, which could increase or decrease your insurance premiums. For instance, adding security features like anti-theft systems can often lower premiums, while performance enhancing modifications might increase them.

2. Not All Modifications Are Covered By Standard Policies

Standard auto insurance policies typically don’t cover custom parts and equipment. If you have added modifications that increase your car’s value, you may need to purchase an additional endorsement to make sure the new features are insured.

3. Disclose All Modifications to Your Insurer

Always inform your insurer about any modifications to your vehicle. Not disclosing these changes might violate your policy terms and could result in claim denial if you’re in an accident.

4. DIY Installations Might Increase Your Premium

If modifications are not professionally installed, they can increase the risk of accidents due to faulty installation. Insurers may raise the premiums accordingly. Therefore, always consider getting your modifications done by professionals.

At Trevino Insurance Services, we understand that customizing your car can make it feel more personal and enjoyable to drive. We are here to help you understand how these changes impact your auto insurance. Contact us today, and we will guide you through the options to ensure your car modifications are fully covered.

How Umbrella Insurance Can Fill in the Gaps of Your Coverage

If you’re based in Boerne, TX, you’ve probably heard of standard policy types like homeowners and auto insurance. However, what about umbrella insurance? At Trevino Insurance Services, we believe in providing our clients with comprehensive protection, and umbrella insurance plays a vital role in this.

Understanding the Role of Umbrella Insurance

Umbrella insurance is essentially extra liability insurance. It provides coverage beyond the limits of your standard insurance policies – essentially filling in the gaps that may exist in your coverage.

When is Umbrella Insurance Necessary?

Imagine you’re at fault in a serious car accident where damages exceed your auto insurance’s liability limit. Without umbrella insurance, you’d be out of pocket for the excess costs. With umbrella insurance from Trevino Insurance Services, these excess costs could be covered, offering you peace of mind.

Assessing Your Need for Umbrella Insurance

While everyone in Boerne, TX could benefit from umbrella insurance, it’s particularly crucial for those with assets that exceed the limits of their primary insurance policies. It’s also recommended for individuals with significant savings or expensive possessions that could be at risk in a lawsuit.

Consult with Trevino Insurance Services

At Trevino Insurance Services, we make it our mission to ensure our clients have maximum protection against unforeseen events. Get in touch with us today to discuss how umbrella insurance can complement your existing policies and give you the peace of mind you deserve.

Windstorms and Hail in Boerne, TX: Are you Protected with Your Home Insurance?

Boerne, TX, is no stranger to the ravages of windstorms and hail. As a homeowner in this region, protecting your primary asset against catastrophic weather events should be a priority. At Trevino Insurance Services, we emphasize understanding your home insurance coverage concerning these weather phenomena.

Hail and Windstorm Coverage

Often, home insurance policies include coverage for damage caused by windstorms and hail. However, the extent of coverage can vary significantly depending on your specific policy and insurer. It’s crucial to review your policy’s provisions carefully and discuss it with your insurance agent.

Understanding Your Deductible

Understand that your policy’s deductible applies when you file a claim for damage due to windstorm or hail. Note that some policies have separate, often higher, deductibles for these specifically named perils.

Flood Damage is Not Covered

While your home insurance may cover damage from windstorms and hail, it usually doesn’t cover flooding from heavy rains associated with the storm. Separate flood insurance coverage is typically needed to protect against this risk.

Review Your Policy Regularly

Given the dynamic nature of weather patterns and home insurance policies, Trevino Insurance Services recommends reviewing your policy annually. As providers of home insurance in Boerne, TX, we understand local weather risks and can help ensure your home insurance meets your needs.

Your Home Deserves the Right Protection

Understanding your home insurance coverage regarding windstorms and hail is a vital aspect of managing homeowner risk in Boerne, TX. Trevino Insurance Services is well-equipped to help you navigate these considerations and find a suitable solution based on your specific circumstances. Don’t leave your home’s protection to chance. Let us assist in safeguarding your investment.

Building a Comprehensive Commercial Insurance Plan with Trevino Insurance Services

As a business owner in Boerne, TX, securing the right commercial insurance coverage is paramount to your long-term success and peace of mind. At Trevino Insurance Services, we understand that every business is unique, which is why we help you develop a comprehensive commercial insurance plan tailored to your specific needs.

Understanding Your Business

Our expert insurance agents start by gaining an in-depth understanding of your business, its operational risks, and industry-specific exposures. This deep-dive analysis allows us to identify potential gaps in coverage and design an insurance plan that provides optimal protection.

Offering a Variety of Coverage Options

We provide a wide array of coverage options, including property insurance to cover business buildings and contents, liability insurance to protect against legal responsibilities, and workers’ compensation insurance for employee injuries. We also offer specialized policies like business interruption insurance to cover lost income during disruptions.

Flexibility as Your Business Changes

As your business changes and grows, your insurance needs may evolve too. Our insurance agents review your policy regularly, ensuring it continues to provide adequate protection. Whether you’re expanding, reducing operations, or moving into new markets, we help adjust your coverage accordingly.

Navigating Insurance Complexity

Navigating the world of commercial insurance can be complex. We strive to simplify this process, explaining different coverage types and options in simple, comprehensible terms and answering any questions you may have.

Running a business comes with inherent risks, but securing the right insurance coverage doesn’t have to be one of them. With Trevino Insurance Services in Boerne, TX, you have a trusted partner committed to protecting your business every step of the way.

Navigating the Aftermath of a Collision: An Auto Insurance Guide for Boerne, TX Drivers

At Trevino Insurance Services in Boerne, TX, we are committed to offering guidance and support to our policyholders. It’s crucial to know what steps to take if you are involved in an auto accident. The process can be confusing and stressful, especially when insurance claims are involved.

Step 1: Safety Comes First

Ensure everyone is safe and uninjured. If necessary, call in medical help.

Step 2: Involve the Authorities

Regardless of how minor it appears, always report the collision to the police. This will provide an official record.

Step 3: Document the Scene

Take photos and jot down notes. Documenting factual information will aid in the claims process.

Step 4: Exchange Information

Share contact and insurance details with the other party involved.

Step 5: Contact Your Insurance Provider

Notify your insurance company as soon as possible after the accident occurs. The quicker you call, the sooner they can start working on your claim.

At Trevino Insurance Services, located in Boerne, TX, we understand how disorienting an auto accident can be. Our team is ready to assist and guide you through the claims process effectively. If you have any questions regarding filing a claim or understanding your auto insurance policy, do not hesitate to reach out to us. With us, you have a trusted partner in navigating post-collision scenarios.

Questions to Ask When Purchasing Umbrella Insurance

Securing your financial future involves more than just the basics. While most people are familiar with standard insurance policies, like auto and homeowners insurance, there’s one often overlooked but equally crucial aspect—umbrella insurance. This extra layer of protection can shield you from unforeseen circumstances and potential financial disasters. To make an informed decision, asking the right questions before purchasing umbrella insurance is essential. Here are some of the topics we at Trevino Insurance Services, providing insurance solutions to residents in the greater Boerne, TX area, recommend asking about.

Coverage Limits

Understanding the coverage limits is paramount. Ask your insurer about the maximum amount the policy will pay out. Consider your assets and potential liabilities; ensure the coverage is sufficient to protect your financial well-being in worst-case scenarios.

Policy Exclusions

No insurance policy covers everything. Unearth the details about exclusions in your umbrella insurance. Common exclusions may include intentional acts, business-related liabilities, or certain high-risk activities. Being aware of these exclusions helps you assess the scope and limitations of your coverage.

Underlying Policies

Umbrella insurance is designed to supplement your existing policies. Inquire about the underlying policies that can be integrated. Understanding how your umbrella policy interacts with other insurance coverage ensures comprehensive protection without unnecessary overlaps.

When it comes to financial security, umbrella insurance stands as a safeguard against life’s unpredictable events. By asking pertinent questions about coverage limits, policy exclusions, and underlying policies, you empower yourself to make a well-informed decision. Don’t leave your financial future to chance—ask the right questions and secure the umbrella protection you need. If you want to purchase an umbrella insurance policy in the greater Boerne, TX region, call Trevino Insurance Services to get started.

Changes to Make to Your Home to Help Deter Burglars and Thieves

Your home is your sanctuary, but burglars and thieves can threaten your peace of mind. Making a few strategic changes to your home can significantly enhance its security, deterring potential intruders and protecting your valuables. As your trusted home insurance provider in Boerne, TX, Trevino Insurance Services understands the importance of safeguarding your haven. Here are some valuable tips to fortify your home against burglaries.

Enhance Exterior Lighting

A well-lit exterior is a powerful deterrent. Install motion-activated lights around entry points, pathways, and dark corners. Adequate lighting exposes potential intruders and makes your home less appealing as a target.

Invest in Quality Door and Window Locks

The first line of defense against burglars is your doors and windows. Upgrade to high-quality deadbolt locks for doors and consider reinforced glass for windows. These simple yet effective measures make it significantly harder for burglars to gain unauthorized access.

Implement Smart Security Systems

Embrace the era of smart home technology by installing security systems with cameras, sensors, and alarms. These systems not only provide real-time monitoring but also act as a visible warning to potential intruders. Many modern security systems can be integrated with your smartphone for remote monitoring, adding an extra layer of convenience and peace of mind.

As your home insurance partner, Trevino Insurance Services encourages you to take proactive steps to secure your home. These simple changes can make a significant difference in fortifying your home against potential threats. If you’re looking for a new home insurance policy in the greater Boerne, TX, area, we can also help. Call us today to discuss your needs and to obtain an estimate for a new policy.

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