Motorcycle Insurance

When it comes to motorcycle insurance, the Lone Star State offers top quality coverage at affordable rates. Texas bikers need only to log onto state vehicle registration websites to ensure that they meet licensing requirements for motorcycles intended for on-road use; then begin surfing the Web for motorcycle insurance agents in their area to get free quotes and compare coverage options.
Types of Motorcycle Insurance Coverage: Similar to automobile policies, motorcycle insurance covers liability, bodily injury, comprehensive physical damage, collision, property damage, and personal injury claims. The difference between buying auto and motorcycle insurance is that bikers can expect higher rates than car drivers because motorcycles are likely to incur more damage more frequently than autos. While rates might be higher, Texas motorcycle insurance provides cyclists extensive coverage for fire damage, theft, vandalism, and severe weather. Policies also cover damage due to missile or flying objects and rocks, animals running into the bike, or bikers inadvertently hitting animals. Roadside assistance and replacement for custom parts and equipment is also a plus for Texas bikers looking for a bargain. Make sure your motorcycle insurance policy includes roadside assistance. The worse scenario is being stranded on a dirt road in the middle of nowhere with a flat tire or mechanical failure. Roadside service provides emergency assistance and towing to help get you back on the road and on to your destination.
The Benefits of Bike Ownership in Texas: Riding a bike in the second largest state in America offers a myriad of travel opportunities that won’t break the bank. Unlike touring in a gas-guzzling automobile, bikers can travel across the state from the Balcones Fault and the Alamo, to the scenic mountains of Big Bend and the glitzy lights of Houston, Dallas and San Antonio on a relatively low budget. Grab a friend and view the prairies, forests, and deserts and traverse the vast plains and rough and tumble hills of Texas on a tank of gas. When it comes to sightseeing, camping, or touring in Texas, nothing beats a bike ride. But if you’re going to be on the road, you will need motorcycle insurance.
Types of Insurable Motorcycles: Motorcycles come in three different categories: street bikes, off-the-road, and dual purpose. Regardless of whether you have a Harley, Yamaha, Suzuki or Honda, if it is a street bike or a dual purpose cycle it must be insured. Off-the-road and antique bikes that are garaged do not require motorcycle insurance. Sport bikes that are designed for speed and acceleration are considered high risk vehicles and may cost more to insure; while touring bikes and cruisers—both used for long distance travel or commuting—may be insured at a lower rate.
How to Apply for Texas Motorcycle Insurance: Before your bike is street legal, state requirements must be met. In Texas, residents are required to register their on-the-road bike, take a safety training course and pass a motorcycle skills test before obtaining a license. Contact the Texas Department of Motor Vehicles (TxDMV) to register your bike prior to applying for a license and obtaining motorcycle insurance. Texas residents can either shop online or visit a local brick and mortar insurance agency to get quotes and compare rates. The beauty of shopping online for motorcycle insurance is that you can visit as many agency websites as you like from the comfort of home. Type the words “motorcycle insurance” into your favorite search engine to get immediate access to dozens of state agencies. Most sites will ask for your zip code so that agents in your area can contact you. To get more information on motorcycle insurance, log onto: www.helpinsure.com or Texas Department of Insurance (www.tidi.texas.gov) to make sure that you are in compliance with state regulations.
How to Choose a Good Motorcycle Insurance Company: Before signing on the dotted line for motorcycle insurance, do your homework. The agency with the lowest quote might not be the best choice because you really do get what you pay for. Choose a company that has a good reputation, a good consumer rating and a history of taking care of policyholders and resolving claims. Surf the Internet and log onto company websites to research how long they have been in business and how many claims have been handled. The Texas Department of Insurance has a list of the top 40 insurers in the state, a good place to begin your search for a reputable and affordable agency. Your local Better Business Bureau will also have a record of consumer complaints lodged against a motorcycle insurance company and commendations. See if a prospective company has positive customer referrals or commendations. You should also be familiar with a motorcycle insurance company’s payment policies. Can you make payments online or through automatic draft? Do they offer a grace period, allowing several days before policies lapse due to missed payments? Do you have access to an agent or do you have to go through a complicated maze to get answers?
Take Advantage of Motorcycle Insurance Discounts: While surfing the web for motorcycle insurance agents, be sure to inquire about discounts. Some agencies offer lower rates for Texas homeowners with good credit ratings. Other insurance agencies give lower rates to riders who have more than one motorcycle and bikers who have completed state safety courses. Motorcycle safety training courses not only help beginners learn how to operate a motorbike and safe driving tips to avoid accidents and personal injury qualify for discounts Others give discounts if you are part of a cyclist club. During the off season when the vehicle is off the road, you can opt to buy comprehensive motorcycle insurance only and save money.
Thinking of getting away without motorcycle insurance? Don’t even think about it. Penalties for not having motorcycle insurance in the Lone Star state can be pretty stiff. Texas bikers can be fined between $175 and $350 for the first conviction with subsequent convictions costing between $350 and $1,000 and a suspension of drivers’ license. Don’t jeopardize your right to enjoy biking and traveling across the vast state of Texas by avoiding getting your motorcycle insured.

Renters Insurance Protects Your Belongings

It’s moving day at your new apartment. All your worldly possessions are finding a new place. Utilities have been connected and the TV and computers hooked up. But before you start celebrating in your new digs, make sure you’ve got the right Renters Insurance for Texas to protect your belongings in event of a catastrophe.
In Texas, it is estimated 3 million people rent their residence. Renters Insurance Texas protects a renter’s belongings. While the landlord or property owner will maintain insurance for the structure, tenant belongings are excluded from this coverage. That means that, in the event of fire or theft, a renter could face the possibility of having to replace everything he or she owns. Renters Insurance Texas can provide benefits to replace clothing and furniture, as well as electronics and personal belongings.
In some cases, your property management company or landlord may require you to have valid Renters Insurance Texas.

Know Your Policy
There are two main types of Renters Insurance Texas — named-peril policies and all-risk policies. Named-peril simply means the policy will only cover property lost or damaged because of specific events named in the policy. If property is lost or damaged because of another type of event, there is no coverage. All-risk policies will cover every type of loss unless it is named as an excluded event. These are sometimes called comprehensive policies.
Keep the dollar limit for the Renters Insurance Texas in mind. This is the maximum amount the insurance policy will pay. Make sure it is enough to replace your property.
Renters Insurance Texas will have three types of coverage — personal property coverage, loss of use coverage and personal liability.
Personal property coverage is the amount Renters Insurance Texas will pay for lost, damaged or stolen property, up to the limits of the policy. Some policies will limit how much will be paid for specific items, such as a $500 limit on jewelry. Those with especially valuable pieces of jewelry may want to add increased coverage for that category, or for the value of fine art pieces. Those limits can quickly be reached and, in the event of a catastrophic loss, the regular policy amounts may be inadequate.
Decide if you want a Renters Insurance Texas policy to provide actual cash value or replacement cost coverage. Actual cash value takes the value of an item when it was new, say a flat-screen television, and depreciates its value based on age and condition, and pays a benefit based on the value of the property when it was lost or damaged. While these policies may be less expensive, they could limit your ability to replace important items. A replacement cost policy does have a higher premium, but it would pay for the cost of replacing lost or damaged items. All benefits are paid minus your deductible.
If a fire or flood prevents you from being able to live in your apartment or rental property for a period of time, Renters Insurance Texas will provide benefits for living expenses, up to policy limits.
In today’s litigious times, the personal liability portion of a Renters Insurance Texas policy is an important feature. This protects you from lawsuits if someone is injured in your property.

Policy CostsRenters Insurance Texas policies will require a monthly premium payment, which will vary depending on the type of coverage wanted, though premiums average $15 to $20 a month. That’s not a high price for peace of mind. Other Renters Insurance Texas costs is the deductible cost. The deductible is how much the policy holder must pay out of pocket. Sometimes these costs are paid before a benefit check is written or it is deducted from the amount paid. This is usually a portion of the maximum benefit amount.
College students and dependents should check with their parents about the need for Renters Insurance Texas. A parent’s homeowner insurance policy may cover dependents living away from home. Check on the personal property coverage limits and determine if it is sufficient for your needs. If not, the investment in a Renters Insurance Texas policy may be worth the price.
When shopping for Renters Insurance Texas shop around and ask your agents questions to understand the policies limits, coverage and exclusions. Be truthful when answering questions. Providing false information could mean your Renters Insurance Texas policy is cancelled or a claim later denied. Be sure to only purchase a Renters Insurance Texas policy from companies and agents who are licensed.

Filing a Claim
When filing a Renters Insurance Texas claim, it can be helpful to have an itemized inventory of all personal belongings along with dates purchased, value and serial numbers. It’s also helpful to have photos of all belongings or a video of each room in the house or apartment. Open all the drawers and cabinets and record all of the items contained. Don’t forget covered structures, such as garages or outbuildings. Keep receipts from big purchases, as well.
All of these forms of documentation should be stored in a safe place, such as a fireproof box, or at another location where other important papers are kept.
When an incident occurs resulting in loss or damage to property, contact your Renters Insurance Texas company and get a claim number. If the loss is the result of a crime, such as theft, report it to the police and file a report. Your Renters Insurance Texas company will need the police report file number. The inventory you took before will help to itemize items lost. If you’ve had to vacate the property and are staying in a hotel or other temporary residence, keep your receipts for room rental, food and other living expenses. This will be needed to file for loss of use benefits from your Renters Insurance Texas policy. Keep in touch with your company and meet with the adjuster to settle the claim. Before signing the settlement, you may want an attorney to review the legal documents, particularly if you don’t understand what these documents say. Make sure all items covered under your claim are included. If not, talk to your insurance company.

Renters Insurance Texas may seem like just another bill to pay each month. But that insurance policy will be vital should you experience a loss of property or if someone is injured in your home.