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Why Motorcyclists Love Texas

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Whether as a fuel-efficient way to cover ground in our large state or as a lifestyle, motorcycle riding is extremely popular in the Lone Star State. At Ellis Insurance Agency, our San Antonio, TX motorcycle insurance clients appreciate our passion for the activity. But what exactly makes riding in Texas so enjoyable? The answers are all around us.

Why Motorcyclists Love Texas

Interesting and Scenic Roadways

Texas is filled with places to venture out for a weekend or a week. There’s the Big Bend Region, Hill Country, Twisted Sisters, and a range of sprawling cities and interesting small towns.

Expansive Open Roads

Sometimes it is nice just to hit the open highway, and few states offer more expansive roads than Texas. Whether traveling in a pack, with that special someone, or solo, you can get away from it all in Texas.

Motorcycling-Friendly Weather

For the most part, you can enjoy riding a motorcycle for more months in Texas. This adds value to riding in the state.

A Vibrant Biking Community

It is easy to join a fun run or charity ride on just about any weekend. There are plenty of places where Texas bikers can gather and enjoy the activity and fellowship together.

Rider-Friendly Laws

Texas is considered biker-friendly, with no specific laws against lane-splitting and lenient helmet laws. As long as bikers respect other drivers and the rules of the road, they should have no problems enjoying their two-wheel adventures.

Ready To Begin Your Texas Adventure? Get Motorcycle Insurance Today!

If you own or are considering purchasing a motorcycle in the San Antonio, TX area, Ellis Insurance Agency can help with the appropriate coverage for your bike. Contact us today for a no-obligation quote. We look forward to assisting you.

The Positives of Boat Insurance

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There are positives to getting boat insurance in San Antonio, TX and other locations throughout Texas. Few states in the US require boat owners to have boat insurance, but Texas is not one of those states. The option, however, is available to boat owners as it has many beneficial factors. 

The primary benefits cover the repairs or replacement if something happens to the boat. It all depends on what is underwritten within the policy.

The Various Benefits

Any damages covered in the policy of boat insurance can call the boat a total loss if the damages exceed the boat’s value. The entire book value of the boat may be compensated when filing a claim minus the deductible. That payment can go towards getting a new boat.

Other benefits can pay for repairs on the boat if something breaks or is damaged. The insurance company considers the book value, and the balance after the deductible goes to the repair payment. The third benefit that the underwriters may have in a clause is to pay the total agreed-upon capped value at the time of the insurance purchase. Likewise, this may cover either the repair or replacement of the boat. 

Let Ellis Insurance Agency Assist You

The positives come with knowing that the boat is covered if damage or an accident happens. Owning a boat is a favored luxury for boating and fishing. When something happens, and it stops you from these hobbies, you want to know that you can get back out on the water as soon as possible. 

Here at Ellis Insurance Agency, we create an environment filled with knowledge to assist you in getting the proper coverage in San Antonio, TX and surrounding areas. Once we know the book value of the boat, we can take it from there. Contact us today!  

When does umbrella insurance kick in?

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Umbrella insurance from Ellis Insurance Agency is a type of extra liability coverage that can provide additional protection when your existing auto or home insurance policies here in the San Antonio, TX area don’t cover the full extent of a liability claim.

When does umbrella insurance kick in?

It can kick in when the amount you are liable for exceeds the limits of your existing insurance policies, protecting you from potential financial ruin. 

It’s important to remember that umbrella insurance does not replace any other policies you may have. It’s designed to supplement and extend the limits of your existing auto, home, and other liability policies, helping you protect yourself from claims that exceed those limits. 

When it comes to knowing when umbrella insurance kicks in, there isn’t a single answer since it depends on various factors such as the policy limits of your existing coverage and claims made against you. Generally speaking, if there is a claim made against you resulting in damages greater than what your existing policies cover, umbrella insurance will cover any remaining costs up to its limit. 

Umbrella insurance can be an essential layer of additional protection for those who need more coverage than their existing policy provides. However, it’s important to speak with an experienced and licensed insurance agent who can help you determine what type and how much umbrella coverage is right for you.

Reach Out To Us

For more information or to find a policy that is right for you, give us at Ellis Insurance Agency a call today. We are proud to serve the San Antonio, TX area and would be happy to help you find a policy that meets both your needs and your budget. So call us today!

Three things you’ll like about having flood insurance

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Purchasing flood insurance is important so that you can protect your finances. We at Ellis Insurance Agency offer flood insurance to those who own a home in San Antonio, TX. 

Homeowners can benefit in numerous ways when they invest in flood insurance.

The following are three things you’ll like about having flood insurance.

Being less stressed out about possible flood damage.

Not carrying adequate flood insurance is stressful. If your area experiences flooding, you’ll be worried that your home will be severely damaged. Without flood insurance, this could be a huge financial setback that has a significant negative impact on your future. 

When you’re carrying flood insurance, you experience less stress about flooding and enjoy the peace of mind of knowing that your property is covered. 

Avoiding financial loss if there is a large flood in your area

Flooding can wreak havoc on a home. Flood damage can often be so severe that it makes it so that a home is no longer safe to live in.

Flood insurance is an important investment that will help to minimize the financial consequences you face if your home becomes damaged or destroyed by flooding. 

Meeting the requirements of your mortgage lender

Some homeowners are required to carry flood insurance. If you live in an area with a high risk of flooding, your mortgage lender probably requires you to purchase a flood insurance policy. 

You’ll need to carry flood insurance until you pay off your mortgage loan if your lender requires flood insurance coverage. 

Reach Out To Us

Let us answer your flood insurance questions at Ellis Insurance Agency. We can protect your home in San Antonio, TX by offering you a flood insurance policy that meets your needs. Get in touch with us today to get a quote on a policy. 

Tips to make your condo more energy efficient

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Energy efficiency is a great way to save money on your monthly bills and help the environment at the same time. Making your San Antonio, TX area condo more energy-efficient can be as simple as changing a few habits or making a small investment in energy-efficient home appliances and fixtures. Here are a few tips from us at Ellis Insurance Agency to get you started.

Tips to make your condo more energy efficient

1. Install LED light bulbs, which use less energy than traditional incandescent light bulbs. Not only do LED lights last up to 25 times longer, but they also save around 75 percent of the electricity used by traditional incandescent bulbs. 

2. Invest in energy-efficient windows and doors. These products will help keep air from escaping or entering your home, which will reduce energy costs. Additionally, if you opt for double-paned windows, you’ll have better temperature control throughout the year. 

3. Make sure all of your appliances are ENERGY STAR certified. This certification indicates that an appliance has been tested for energy efficiency and meets certain criteria set forth by the US Environmental Protection Agency (EPA). 

4. Use power strips to control electricity flow in your condo and switch them off when not in use. Doing so will prevent any electronics from drawing unnecessary power (known as “phantom loads”), which will help you save money on your electric bill each month! 

Give Us A Call

By following these tips, you can start making your condo more energy-efficient today! For more energy-saving tips, or if you want to review your insurance policy, give us at Ellis Insurance Agency a call today. We are proud to serve the San Antonio, TX area and would be happy to help you find a policy that meets your needs and your budget.

Top 3 Safety Tips Teen Drivers Need To Know

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It is not unusual for parents to feel frightened and stressed out when teens start driving. Properly educating your teens on safe driving tips is crucial to their overall safety and well-being. At Ellis Insurance Agency, serving San Antonio, TX, and the surrounding areas, we hope to help with this job by providing safety information for teen drivers.

Here are the top 3 safety tips teen drivers need to know:

No Distracted Driving

Distracted driving is a broad term, and it is broad on purpose. There are so many different things that can distract your teen when they are driving. The most common distraction is phones. Texting, calling, or any way touching a phone while driving can cause a dangerous situation. Phones are not the only distraction though. Passengers, eating, grooming, or doing any other activity other than paying attention to the road, can pose a threat to your teen’s safety. 

Seat Belts

Although seat belt laws have been enforced for decades, this is still a habit that is difficult for some. Make seat belt usage a non-negotiable even before kids are driving age. This way, they will know that there is simply no option. You must wear your seat belt. 

Follow The Speed Limit 

Teens have a bad habit of pushing boundaries, and this applies to the boundaries of the roads as well. Speeding contributes to deadly accidents. Decreasing speed can decrease the damage that may be done to a vehicle or to a driver if they do happen to get into an accident. 

Get Auto Insurance Today

If you would like to learn more about vehicle safety and insurance, please contact us at Ellis Insurance Agency serving San Antonio, TX and the surrounding areas. We will be happy to help you. 

What Are The Benefits Of Renters Insurance?

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When you are renting a house, it is almost as if you own it in part. This is because you most probably have most if not all your property there, from the things that meet your most basic needs to the ones that give you comfort. If something were to happen to your dwelling and belongings, it would be devastating. We at Ellis Insurance Agency. serving San Antonio, TX residents, offer a renters insurance policy that can cover this and restore your comfort.

Benefits Of Renters Insurance

Renters insurance may be a requirement of some landlords. However, having this coverage is more beneficial for the renter. These benefits include:

Protection of belongings.

In the event of a disaster that have resulted in the destruction of valuables, or if there has been a theft, your renters insurance is able to cover the replacement of the item depending on the present market price of the item.

Covers the treatment of individuals who may have sustained injuries while on your property.

In some cases, lawsuits may be filed against the owner of the premises in the case of injury. The renters insurance works to shield you from these.

Service to your dependents.

You may choose to rent an apartment for your child in San Antonio, TX. Renters insurance will then cover your child’s property as well.

Cushioning against constraints from additional living expenses.

In the event that your rental is temporarily inhabitable, and you have to stay elsewhere, your insurance will help you cover the extra cost.

Contact Us Today

Did you just move out of home or have not yet insured your property by getting renters insurance? Are you worried about how long it may take to rebuild your savings after a sudden loss of your property? Consider getting a renters insurance policy from Ellis Insurance Agency and secure your investment.

 

3 Most Common Types of RV insurance

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More than 11 million U.S. households own a recreation vehicle. In the last decade alone, ownership grew by 26%. This isn’t a passing fad. Studies show that another 9.6 million households expressed a desire to buy their own RV in the next five years.

While these numbers continue to skyrocket across all demographic groups, every RV owner is different. But, whether you are a casual camper or escapist, RV insurance is always a must. Ellis Insurance Agency is here to assist San Antonio, TX RV owners with all their insurance needs. 

Here are the three most common RV types and the coverage needed to ensure you are protected:

Fifth Wheels & Trailers

Towable trailers and "pull behind" campers are less expensive to insure since they are without motors. Yet this also means fewer coverage options overall. Most over-the-road issues are likely excluded. These would be covered as part of your towing vehicle’s plan.

Motorhomes

Every motorized RV is different, ranging in size, cost, and quality. Motorhomes are typically divided into one of three groups. Yet Class A, B, and C motorhomes should require the same insurance as any other vehicle on the roadway. At a minimum, collision, comprehensive, and liability coverages are key.

Full-timers

"Full-timer" is a name applied to anyone who lives in their RV. This status calls for additional insurance protection. You’ll want a policy that covers your belongings too, much like a homeowners’ or renters’ plan.

Give Us A Call

No matter what type of recreational vehicle you own, RV insurance is a must. Serving the greater San Antonio, TX community, our team of experts at Ellis Insurance Agency can find a policy that best meets your needs while traveling with your family. Schedule an appointment today.

Best Motorcycle Insurance for Bikers in Texas

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Motorcycle insurance is a policy that covers losses or damage to your motorcycle, as well as injuries to yourself or others if you are involved in an accident. In most cases, the policy will usually cover both personal and property damage, along with medical expenses should you be injured during a crash. 

An experienced insurance agent at Ellis Insurance Agency can provide detailed information about the best coverage for motorcycle riders in San Antonio, TX. 

What Types of Motorcycles Are Covered Under Motorcycle Insurance in Texas?

Motorcycle insurance policies in Texas typically cover many motorcycles–from dirt bikes to sports bikes like ATVs. Having a motorcycle insurance policy in place at the time of an accident can save policyholders time and money on filing a claim. 

How Much Does Motorcycle Insurance Cost in Texas?

The price of a motorcycle policy can vary depending on the type and amount of coverage that you choose, as well as your personal credit score and history with insurers.

What are the Benefits of Motorcycle Insurance in Texas?

One of the benefits of motorcycle insurance is that it can help protect you financially in the event of an accident. Coverage may include personal injuries, loss or damage to your bike, and even property damage. In addition, motorcycle insurance can provide financial assistance if you are unable to work due to an injury sustained in a crash.

Contact Us Today

San Antonio, TX residents who need motorcycle insurance to protect motorcycles, dirt bikes, ATVs, and similar vehicles can talk to the insurance experts at Ellis Insurance Agency to learn about the best motorcycle insurance for covering vehicles with two or three wheels and an engine, powered by gasoline or diesel.

Why does someone need to have a boat insurance plan in Texas?

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If you are in the San Antonio, TX area, owning a boat can be a great option. When you are a boat owner here, you will be able to have a lot of fun during the warmest months of the year. While boats can be a lot of fun, you do need to make sure that you are properly insured with a boat insurance plan. 

Why Boat Insurance?

Cover Your Watercraft

An important reason to have a boat insurance plan is so they can cover their watercraft. Any type of boat is going to take a big purchase and investment to acquire and care for. When you do own a boat, you will want to know that it is as well covered as possible. With a boat insurance plan, you will have coverage that can mitigate the risks of various types of loss including theft or accident damage. 

Reduce Liability Risks

While a boat can be a lot of fun to operate, it can also come with risks. If you have a boat insurance plan, you can offset some of these concerns. When driving a boat, if you were to cause an accident, you would need to cover the damages incurred by the other parties. Your liability insurance in the boat coverage plan will provide the support you need to offset this risk.

Get Coverage Today

If you want to invest in a boat in the San Antonio, TX area, you also need to make sure that you have the right insurance for it. When you are looking for a new boat insurance plan, you can start your search by calling the team with the Ellis Insurance Agency. There are a lot of choices to make when shopping for coverage and the Ellis Insurance Agency can help you build your next policy.