Lone Star Insurance Specialist

2509 Lakeview Dr
Amarillo, TX 77478

Motor Home Safety Tips for Summer Travels

Summer’s almost here, and if you own a motor home in Amarillo, TX, chances are you’re already making plans for summer travels. These motor home safety tips from Lonestar Insurance Specialist can help make your Texas road trip a safer, more pleasant experience.

Prep Your Motor Home before Traveling

If you haven’t used your motor home since winter, you’ll need to prep it for summer travels. A seasonal checkup will ensure your motor home is road-ready for the summer. Check your battery, fluids, tires, lights, backup camera, horn, and wipers. Inspect the exterior of your motor home for signs of damage that needs repair before you travel.

Take a Practice Run

If you’re a new motor homeowner, practice driving your vehicle before taking off on long-distance travels. Hone your skills by practicing making turns, backing up, passing other vehicles, merging into traffic and parking.

Plan Your Road Trip in Advance

Plan your trip in advance by choosing your travel dates, routes, campgrounds, and places you want to stop to explore with your family. Make a tentative itinerary to help keep you on track during your travels. Keep an eye on weather conditions where you’ll be traveling to avoid summer storms. Avoid road construction by choosing your routes wisely and heavy traffic by not traveling on major holidays.

Purchase Adequate Motor Home Insurance

Talk to your Lonestar Insurance Specialist agent about motor home insurance for your travels. The right coverage will protect you against unforeseen events that can derail your road trip. Liability coverage is mandatory in Texas for motor home drivers. By purchasing collision, comprehensive and uninsured motorist coverage, you can protect your motor home from theft, vandalism, collision damage, and damage from inclement weather during your travels.

For more information about motor home insurance in Amarillo, TX, contact Lonestar Insurance Specialist today.  

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RV insurance: Is it mandatory in Texas?

Recreational vehicles are quite an investment. Purchasing an RV is like buying a new home or more depending on what you want. The residents in Amarillo, TX enjoy full-time RV lifestyles. However, venturing beyond the state across international borders can be problematic when it comes to insurance.

According to insurance experts at Lonestar Insurance Specialist, the best way to enjoy your recreational vehicle is by getting quality Texas RV insurance from a certified insurance company.

Is RV insurance a requirement or not?

Just like the standard auto insurance, RV owners have to purchase minimum liability coverage. You will need to make critical choices when balancing coverage costs. Keep in mind that you will require a separate RV insurance if:

  • Your RV is a rental car.
  • Your RV is a motorhome, whether class A or B.
  •  If you took a loan to finance your RV purchase

When there is a likelihood of a loss

If you are driving a motorhome on public roads, RV insurance can be necessary. Determine whether the value of the RV is worth getting full coverage and decide if your savings are adequate to cover for physical damage. If you took a loan to buy your RV, your lender would need reimbursement if anything happens to the vehicle. That means that RV insurance, in this case, will be inevitable.

When is RV insurance optional?

There are also instances when RV insurance may not be a requirement, for example:

  • If you did not receive financial help from a lender
  • When your RV is not drivable  

Towable RVs with pop-ups or fifth wheels may use your typical car insurance policy. For example, in case your camper accidentally gets unhitched from your truck and ends up damaging other people’s property, your auto insurance policy will come in and cover the costs.

Whether optional or not, RV insurance is quite essential, just like your car, RVs are also susceptible to elements or theft. Lonestar Insurance Specialist can help you find suitable coverage for your needs. Visit us in Amarillo, TX, and enjoy our full range of policy choices.

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What Do I Need to Do to Apply for Motorcycle Insurance?

Motorcycle owners who live in Amarillo, TX have to be correctly licensed and insured to operate a motorcycle in the state of Texas legally. Once you have received your permit, your first step should be to contact your insurance agent at Lonestar Insurance Specialist to make sure you have the proper amount of coverage for your motorcycle.

Take a Motorcycle Safety Course

In most cases, you will be required to complete and pass a motorcycle safety course. These courses are designed to prove that you have the necessary skills to handle a motorcycle under various driving conditions. After you pass the course, you will get a certificate of completion that you will need to provide to your insurance agent.

Apply for Your Endorsement

Once you have had your permit for the required amount of time and passed your motorcycle safety course, you can return to the DMV and apply for the motorcycle endorsement for your driver’s license. 

Contact Your Insurance Agent

As soon as you have fulfilled the requirements for your permit and received your motorcycle endorsement, you need to contact your insurance agent and let them know that you have your endorsement and are fully licensed to operate your motorcycle.

The agents of Lonestar Insurance Specialist serve the residents of Amarillo, TX, and many of the nearby communities and towns. We are able to answer any questions you may have and also provide you with advice on how to earn discounts on your motorcycle insurance premiums, possibly. If you are a new rider or have just moved to the state of Texas, contact our office today to find out what you need to do to apply for your motorcycle insurance.

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Tips for Buying Boat Insurance in Texas

The biggest state in the mainland United States also has lots and lots of lakes, not to mention a beautiful coastline. If you own a boat in Amarillo, TX, and love to get out on the water as much as possible, make sure you’re adequately insured with boat insurance. Accidents can happen even on the sunniest, clearest Texas days. 

Not sure where to get started? Our team at Lonestar Insurance Specialist put together this list of three tips to help. Read on to learn more.

1. Work with a Reputable Insurance Agent

Your first order of business is to contact a reputable insurance agent who will help you find the boat policy you need at a price you are happy to pay. We’ll answer all your questions and concerns and help you find discounts on your premiums.

2. Compare Several Insurance Quotes

Your agent will also recommend that together you compare several quotes. This way, you’ll be certain to choose the right policy for your needs and price point.

3. Bundle Your Insurance Policies

To save money on your new boat insurance policy, bundle it with all your other policies under one insurance carrier. Bundle your auto, life, home, and other policies to save money on your premiums. Talk to your agent about this and other discounts you may be eligible for. 

To learn more about purchasing a boat insurance policy in Amarillo, TX, contact Lonestar Insurance Specialist. Our friendly agents are waiting to take your call, answer your questions, and hear all about your boat! We are ready to work with you and help you get started.

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Auto Insurance Requirements in the Lone Star State

Whether you’re a new or experienced driver, you need auto insurance to protect yourself and others against accidents on the road. At Lonestar Insurance Specialist in Amarillo, TX, we can help you select a policy that meets your specific driving needs. Here’s what you should know about auto insurance requirements in the Lone Star state.

Mandatory Coverage

Auto liability coverage is mandatory in Texas as it protects other drivers if you cause an accident. If you’re found at fault of an accident that results in injuries or property damage to others, liability insurance helps cover medical or property damage costs so you don’t have to foot the bill for these expenses. Texas sets minimum limits for liability coverage. Most drivers, however, obtain more than the minimum to protect their assets against serious accidents that cause extensive damage.

Optional Coverage

If you took out a loan for your vehicle, your lender may require collision and comprehensive coverage to protect his investment.

Collision coverage pays for repairs to your car if you crash into another vehicle or run into a tree or other object. Comprehensive pays for damage to your vehicle caused by fire, vandalism or other non-collision incidents. It also protects your car against theft.

Collision and comprehensive insurance aren’t required by law in Texas. This coverage, however, can save you from spending thousands of dollars on vehicle repairs out-of-pocket.

You may also want uninsured/underinsured motorist coverage to protect you against other drivers who aren’t carrying adequate insurance coverage. Uninsured/underinsured motorist coverage pays your medical bills and damage to your vehicle if you’re hit by someone with insufficient or no insurance coverage. It also protects you against hit-and-run accidents.

For more information about auto insurance coverage in Texas and policy costs, contact your Lonestar Insurance Specialist agent in Amarillo, TX today.

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4 Tips for Those Who Are New to Life Insurance

Are you just now thinking about getting life insurance? If so, some considerations would be helpful during this process. You deserve every advantage you can get for this complex type of coverage, and you’re certain to receive the assistance you need from Lonestar Insurance Specialist of the larger Amarillo, TX area.

Determine Specifics You Want with Your Life Insurance

Your life insurance policy can be set up for a certain period (known as term life) or for your entire life (known as universal and whole life). If you want the insurance just until your children are grown up, or for another specific duration, term life is ideal. If you want to ensure that your family will have income replacement or funds for burial expenses, go with whole or universal.

Figure Out Who Will Be Your Beneficiary

Your beneficiary is the individual or entity who will be given your life insurance proceeds when you pass away. You should avoid naming a minor child since they might not be able to get these funds. You also should avoid naming your own estate, since there could be tax issues. If you’d like to have it put towards your business, be sure to put a formal plan together that outlines how the funds should be utilized. An agent at Lonestar Insurance Specialist can talk this over with you.

Determine the Amount of Life Insurance You Need

This is a bit complicated, but it should be determined by a combination of your debt amount, income replacement left behind to your spouse or dependents, education, and childcare for your dependents, and burial wishes and costs.

Discuss Your Needs with a Professional

When you’re ready to set up your policy, talk to a life insurance agent who will have your best interests in mind. We’ll walk you through the whole process. Reach out to us at Lonestar Insurance Specialist in Amarillo, TX, and you’ll be pleased with the results.

 

 

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Why Are So Many Americans Struggling to Get Out of Debt?

As day-to-day costs skyrocket, many Americans are racking up debt, and they are finding it increasingly difficult to escape the debt cycle. We’re taking a closer look at some of the causes and effects of debt in America to help you gain a better understanding of where your money is going.

Nearly 23% of Americans are going in debt to feed their families

The average American has about $6,500 in credit card debt , and 23% of Americans in a survey conducted by CNBC say that the main culprits behind their debt are basic necessities such as rent, utilities, and groceries. Along with the rising costs of college tuition, real estate, and childcare, it can seem almost impossible to break the debt cycle. Even more, a study by Pew Research Center recently found that today’s real average wage (accounting for inflation) has the same purchasing power that it did 40 years ago: “In real terms, average hourly earnings peaked more than 45 years ago: The $4.03-an-hour rate recorded in January 1973 had the same purchasing power that $23.68 would today.” The financial struggle has caused many people to take on more work, or join the gig economy, to make ends meet. Nearly four in ten Americans have a side hustle to help them recuperate debts from loans, overdue bills, and credit cards.

What about savings?

According to a survey from Go Banking Rates, the majority of Americans (almost 70%) have less than $1,000 in savings, which leaves little room for financial support in the event of an emergency. Additionally, over 70% of adults said they would be in financial distress if their paycheck was delayed by a week. Living paycheck to paycheck makes it much harder to accomplish the American dream. Gaining an understanding of where your money is going, and how much you are able to save each month, is a great way to start recovering from debt. Budgeting and planning ahead can help you set up for success – but what if there is a better way to get out of debt?

Do you want to eliminate debt the easy way? We can help!

Take a look at free from lendersfor more information and set your free DMA Report Appointment. I can help you set up a plan to start knocking out your debt in nine years or less without spending any additional money. This program uses a 200-year-old investment and savings strategy to eliminate your debts one by one. Even more, when you’re finished you will have built up retirement savings that could help you live the lifestyle you deserve. Don’t delay your debt relief any longer – contact us today!

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Home Insurance: Expectations Vs. Reality

When you’re in Canyon or Amarillo, TX, you want to have a home insurance policy that you can rely on. Many people assume that they’re getting a good policy simply because they bought one. However, policies can vary dramatically. To ensure that your policy meets your expectations, Lonestar Insurance Specialist is here to help.

The Expectations

When you buy a home insurance policy, you expect it to protect every aspect of your home. If you file a claim with the insurance company, you expect them to accept the policy and cover the damages. The only thing you want to pay for is the deductible. This doesn’t always happen. 

The expectation is that a home insurance policy is built to your needs. However, unless you work with an agent to have it personalized to the details of your home and family, it’s going to be a generic policy that may or may not get the job done.

The Reality

Not all insurance policies are identical. They can vary based on the insurance company that you go with as well as the fine print. The reality of getting a home insurance policy in Amarillo, TX is that you want to work with a professional to ensure that you have the coverage that you need without having to overpay for it.

Unfortunately, many people don’t realize that they have insufficient coverage until it’s too late. There’s an accident or damage and they file a claim with the insurance company only for it to be rejected. You don’t want that kind of thing to happen, which is why it makes sense to work closely with an experienced insurance agent.

Contact us at Lonestar Insurance Specialist today. We can help you overcome the expectations and give you a reality with home insurance that you can be happy with. More importantly, we can provide no-obligation quotes to help you compare.

 

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5 Misconceptions about Business Insurance

As a small business owner in Canyon or Amarillo, TX, you may be having a hard time selecting commercial coverage for your budding enterprise. Misconceptions about business insurance may have you wondering what’s true and what’s not. By dispelling the following misconceptions about commercial coverage, Lonestar Insurance Specialist makes it easier to get the coverage you want.  

Small Businesses Don’t Need Coverage

Small businesses have a greater risk of being hurt by an unforeseen disaster. By protecting your small business with commercial coverage, you can help it grow into a thriving enterprise you can be proud of.

Home-Based Businesses are Covered by Home Insurance

Home insurance protects your home, not your business. If you run a business from home, you need business insurance to protect your business inventory and equipment as well as cover liability claims in the event a customer has an accident while visiting for business purposes.

Commercial Property Insurance Covers Flooding

Another misconception concerns flood coverage. Contrary to what business owners believe, small business insurance doesn’t cover flood damage. If your business is at risk of flooding, you’ll need to invest in commercial flood insurance coverage to protect your interests.

Personal Auto Insurance Protects Your Vehicle for Business Use  

Personal auto insurance covers personal use of your auto, not business use. If you have an accident while using a personal vehicle for business purposes, chances are your personal auto insurer will refuse to cover the loss. If you’re going to use your personal vehicle for business, protect it with commercial auto insurance.

Small Businesses are Never Sued

Any business can be sued. A simple slip and fall in your shop could lead to a major lawsuit. Commercial liability coverage protects you against lawsuits to protect your business assets.

To learn more about commercial insurance coverage and costs, contact Lonestar Insurance Specialist in Amarillo, TX.

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3 Reasons You Need Life Insurance

Life insurance is designed to protect your loved ones after you pass. It’s one of the most important insurance policies you can purchase. While insurance policies such as home and auto are legally required in most cases, life insurance is not. You need to make this decision on your own. At Lonestar Insurance Specialist, we’ve listed three important reasons why you need life insurance in Amarillo, TX.

1. Cover Burial Expenses

The cost of a wake and funeral is expensive. In fact, there’s really no limit on how much one can spend. With life insurance, however, you can have peace of mind knowing that your loved ones will be able to give you a proper burial without having to sell off assets, take money out of the bank, or go into debt.

2. Financial Assistance for Loved Ones

After you pass, you’ll want to be sure your loved ones are financially taken care of. Life insurance can do this. Your family can use the money to pay off the mortgage, send the kids to college, move closer to family, and have day-to-day living expenses covered, for example.

3. Peace of Mind

We all worry about our families. We all want their future secured. With a life insurance policy in Amarillo, TX, you can have peace of mind knowing you made the right decision to protect your family after you pass away.

To learn more about purchasing a life insurance policy, contact the team at Lonestar Insurance Specialist. We will answer all your questions and concerns, compare quotes, help you bundle all your insurance policies, and find you the right life insurance policy for a price you can afford. Call us today at 806-476-0830.

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