Mobile Home Insurance

As one of the premier mobile home insurance agencies in the state of Texas, we have access to practically every program available to our Clients. So we shop around to find you the best deal possible, while still getting you the coverage you deserve.

And speaking of coverage, mobile home insurance is different from standard homeowners insurance – It’s a specialized kind of coverage designed to protect mobile home owners from the perils specific to manufactured housing, while still providing all of the coverage expected by site-built homeowners.

Even the language in mobile home insurance is different from site-built homeowners policies, as an example, the term “Comprehensive Coverage” doesn’t show up on site-built homeowners insurance policies, while it is the standard language found in mobile home insurance policies. This is important to you because it can potentially cause problems for insurers who aren’t familiar with the differences between the two types of coverages. And if they choose wrong, then you can end up with a policy that doesn’t give you what you’re expecting to get.

Here at Antler Insurance, we have focused on Mobile Home Insurance for over 30 years, and are intimately familiar with the language in Mobile Home Owners Insurance policies, and will absolutely make sure you get the coverages you need.

As an example, you may want to cover such items like those listed below, which would not be covered under some policies:

• Detached structures, like carports, sheds, or garages
• Living expenses, should your home be damaged enough to require you to stay elsewhere until repairs are made
• Liability insurance to protect your assets should anyone be injured on your property
• And insurance for your personal belongings. Here in Texas for instance, you might have a gun collection that would be expensive to replace

You will have a number of options that you can include in your coverage, and your Agent will discuss all of them with you so that, together, you will be able to construct the right policy for you and your family’s needs.

Most mobile home policies will include comprehensive coverage, which offers protection for physical damage to your home caused by any peril, as long as it’s not specifically excluded from your policy. Covered perils would include:

• Fire
• Wind
• Hail storms
• Vehicles
• Sudden and accidental water damage
• Smoke
• Damage to trees, shrubs and lawns
• Lightning
• Vandalism
• Theft
• Explosion
• And more…

In addition, there are “Named Perils Policies” (also known as “”Specified Perils Coverage”) that are more narrow in scope than Comprehensive Policies, and cover ONLY the causes of loss specifically named in the policy.

Special Note: If you live in any of the 14 coastal counties, or in those parts of Harris County located on Galveston Bay, your normal homeowners Mobile Home Insurance policy may not cover windstorm and hail damage. We have several insurers who specialize in this type of coverage, and we can get it for you.

We will work with your Lender to include your homeowner’s insurance in your escrow account for every year except the first year, which is one of the “Pre-Paid Items” listed as part of your initial closing fees. This is the standard business practice in the Mortgage Financing Industry.

We’re looking forward to helping you get the right Mobile Home Owners Insurance coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Homeowner’s Insurance

In Texas, Homeowners Insurance can vary widely, depending on the company and the name of the policy. It can get confusing quickly.

Our job is to simplify the process. We help you figure out how much coverage you need. Then we find the best rates for you.

Simple.

Antler Insurance is one of the premier homeowners insurance agencies in the state of Texas. As an Independent Agency, we have access to practically every program available to our Clients. So we shop around to find you the best program possible, while still getting you the coverage you deserve.

As a homeowner, you have a number of options that you can include in your coverage. Your Agent will discuss all of them with you so that, together, you will be able to construct the right policy for you and your family’s needs.

Many homeowner policies are open peril policies, which offer protection for physical damage to your home caused by any peril, as long as it’s not specifically excluded from your policy. Covered perils would include:

• Fire
• Wind
• Hail storms
• Vehicles
• Sudden and accidental water damage
• Smoke
• Damage to trees, shrubs and lawns
• Lightning
• Vandalism
• Theft
• Explosion
• And more…

Your agent will be happy to provide you with a full copy of your policy, and you can read through the entire list of covered perils, and which ones – like flood insurance – that are specifically excluded from your policy.

In addition, there are “Named Perils Policies”, or “Specified Perils Coverage” that are more narrow in scope than open peril policies, and cover ONLY the causes of loss specifically named in the policy.

We will work with your Lender to include your homeowner’s insurance in your escrow account for every year except the first year, which is one of the “Pre-Paid Items” listed as part of your initial closing fees. This is the standard business practice in the Mortgage Financing Industry.

We’re looking forward to helping you get the right Homeowners Insurance Coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Renter’s Insurance

Landlords are required to protect themselves and their property, not yours. Their insurance isn’t going to cover your possessions and assets. If you rent a home, condo or apartment, you probably need Renters Insurance. A recent Insurance Information Institute poll showed that only 37% of all renters carried insurance compared to 95% of all home owners. But if you’re victimized, it hurts you just as much as it would hurt a home owner.

Protect yourself. Don’t wait until it’s too late to discover this important fact. Your possessions are at risk.

Here are the kinds of things that people are most likely to need protection for in the event of a loss:

• Televisions
• Electronics
• Furniture
• Computers
• Printers & Scanners
• Clothing
• Jewelry
• Paintings, Art
• Silverware
• Etc.

We can give you a hand figuring out how much the contents of your rented home, condo or apartment are worth – Therefore how much insurance protection you need.

Surprisingly, renters insurance is VERY affordable, and is a great investment to cover the costs of your assets.

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Flood Insurance

The ocean’s beautiful, as long as it doesn’t find its way into our home! Flood insurance is needed by almost everyone who lives in Texas. It’s like the old saying, “If you don’t like the weather in Texas, just wait a minute.” You never know you need it until you REALLY need it.

We’ve all seen the video on the news about the unexpected cloudburst that has hundreds of motorists trapped, roads that look like rivers, cars floating down what was a small drainage ditch.

And at times like these, we all assume that we are covered should the flooding affect us.

10 interesting facts about flood insurance:

1. Flood insurance in most areas is VERY affordable – sometimes as low as $150/year, except in certain areas – especially coastal areas – that are prone to heavy flooding
2. Standard homeowners insurance does NOT cover flood damage. Don’t let this be an unexpected surprise AFTER disaster has struck. Ask your Insurance Agent to explain your homeowners insurance to you, and ask about flood insurance. If Antler Insurance is your Agency, then you will probably not have to ask, because we assume that everyone needs it. But do your part and make sure you have the coverage
3. Flood coverage is different in that it is available in the form of a separate policy from either the National Flood Insurance Program, or from some private insurers. The Antler Insurance Agency will strongly recommend that you get this coverage
4. The NFIP policy provides replacement cost coverage for the structure of your home, which will pay to rebuild your home to the way it was before the flooding
5. NFIP flood coverage will only provide actual cash value coverage for your possessions. Actual cash value is replacement cost less depreciation. The older your possessions are, the less you will receive. There may also be some limits on how much will be paid for furniture and other belongings that are stored in a basement (which of course is rare in Texas)
6. Renters! Yes you can get flood coverage, and like standard homeowners insurance, it is not typically included in those policies. You need flood insurance, especially if you live in a designated flood zone, but as we all know – In Texas, it can flood virtually anywhere
7. Warning! There’s a 30-day waiting period on all flood coverage. Don’t wait until you see those thunderclouds roll in – that’s too late! Get your coverage as soon as you purchase your home or move into a rental property
8. Additional coverage may be available. Some private insurers provide additional protection for people who need more than the standard coverage; and for those who live in a community that does not participate in the NFIP. Depending on how much coverage you purchase, the excess flood insurance policy will cover damage above the limits of the federal program on the same basis as the federal program; Replacement cost for your home; and replacement cost less depreciation for your possessions
9. Designated flood zones/high risk flood zones can get excess flood insurance; but may need to be purchased from specialized companies who provide this product. The Antler Insurance Agency has access to all those programs
10. Flood insurance is not available in some areas – Your Agent can tell you if you are in a covered area

Bottom Line – Don’t be caught without flood insurance! Just about everyone should have it. It’s inexpensive, and extremely valuable when disaster hits!

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Recreational Vehicle Insurance

Here in Texas, we enjoy our weekends away with our families. And here at the Antler Insurance Agency, we understand that one size RV insurance policy certainly does not fit all. All recreational vehicles are NOT created alike; so not all RV insurance policies should be built alike. That’s why here at the Antler Insurance Agency, we work with each of our Clients to make sure that they have the very best coverage for their recreational vehicle, for the best rates.

First of all, let’s clear up some common misperceptions: The right policy doesn’t just cover your motor home, camper or travel trailer; it can also cover your passengers, valuables and other assets.

We want to make sure that you have the peace of mind knowing that you have the right coverage on your RV, so that you can focus on the really important things; your family, your fishing or hunting, or simply your scenic drive and camping experience, without worrying what will happen should you have an accident.

What kinds of RVs do we cover:

• Recreational Vehicles of all kinds
• Class A Motor Homes: The largest RVs, including bus conversions. They are both transportation and self-contained homes. Driver and cab are part of the living area
• Class B Motor Homes: Camper vans, or conversion vans that you also occupy while moving. Smaller versions of Class A
• Class C Motor Homes: These can also be very large RVs. They have a step-down cab and an extended living section above it
• Truck Campers: These vehicles have a unit that sits on the back of a pick-up truck
• Travel Trailers & 5th Wheels: Any camping RV that is towed qualified, including 5th wheels
• RV Rental Insurance
• Recreational/Occasional Use: The owner lives in a fixed location, and uses the RV occasionally for recreation
• Full-Time RV Living: This is for people who have no other fixed address
• Commercial RV Use: This refers to RVs that are rented out to others

Types of Coverage

• Liability Coverage: Has to meet or exceed state minimal vehicle liability limits
• Collision Coverage: Insures your RV should it be in an accident
• Comprehensive Coverage: This covers non-crash incidents like storms or vandalism
• Contents Insurance: Just what it says – Everything you keep inside your RV
• Roadside Assistance: Your motorhome can break down just like any other automobile. This provides you with the roadside assistance you need if you have an incident
• Other Options: Typically refers to out of state, or international travel. Different states and countries have different requirements. We can protect you when traveling out of the area. Just ask about this coverage, and your Agent will give you the information you need to make an informed decision

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Motorcycle & ATV Insurance

Texans sure do know how to have fun on motorcycles. We get it! The open road on a beautiful Spring day headed out to the Hill Country calls to everyone to get loaded up and hit the road. But before you head out, ask yourself the question, “Do I have the protection I need for my motorcycle and/or my off-the-road vehicle?”

You took a long time to pick out just the right bike and accessories, and spent a lot of money on it, and of course you take a lot of pride in it. And you ATV owners spent just as much time to get the special ATV that would meet your off-road needs.

We’re specialists in this kind of coverage here at the Antler Insurance Agency. This is Texas; Lots of our friends have bikes, 4-wheelers and other off-road vehicles for every use imaginable like hunting, fishing, camping, or just enjoying the outdoors. And we’re famous for our bike routes through the hill country in central Texas.

There are approximately  Half a Million Riders in Texas alone! So we have to understand how to insure them.

And what’s great is that we are an Independent Agency, so we can shop around to find you the very best coverage and the lowest possible rates in Texas!

Motorcycles

We’re glad you’re looking at insurance and carefully considering your coverage. So what kind of coverage do you need for your bike?

• Bodily Injury & Property Damage Liability: BI/PD covers you if you’re at fault in an accident where either other people were injured and/or there was damage to others’ property
• Comprehensive and Collision: This coverage pays to repair or replace your bike if it’s stolen or damaged in an accident, even if you are at fault. For each coverage, you can select the amount of deductible you’ll pay, out of pocket. Your insurance company will pay for the rest
• Uninsured, or Underinsured Motorist: If you’re in an accident that’s not your fault, and the person who is at fault doesn’t have insurance, or doesn’t have enough insurance to cover the damage to your motorcycle, your insurance company will cover the difference
• Medical: This will cover the cost of necessary medical care you receive if you’re in an accident, even if it’s your fault. This is typically limited to a specific dollar amount, is usually limited to the first three years after the accident, and may apply only after other medical insurance is exhausted. We’ll help you find the right policy and carefully explain these issues to you
• Custom Parts & Equipment: When you purchase comprehensive or collision motorcycle insurance coverage, many of your custom parts and equipment will be included. Additional coverage for accessories can be purchased to cover parts and accessories that cost more
• Roadside Assistance: If your motorcycle breaks down on the road, Roadside Assistance Insurance will pay to tow it to the nearest qualified repair facility. It also covers the necessary labor costs at the place of breakdown, when your motorcycle or of-road vehicle is disabled to any of the following:
  • Mechanical or electrical breakdown
  • Dead battery
  • Flat tire
  • Lockout
  • Insufficient fuel, oil, water or others fluid shortages
  • Stuck in mud, sand, water, or sand within 100 feet of the roadway

ATV’s

So how does ATV insurance differ from motorcycle coverage?

If you’re a hunter, fisherman, camper or rancher, you want to be covered if your ATV is stolen or badly damaged. We’ll make sure you get the coverage you need on your ATV, so you don’t lose the usage of it any longer than absolutely necessary. Like Motorcycle Insurance, you’ll need:

• Collision
• Comprehensive
• Bodily Injury & Property Damage
• Uninsured/Underinsured Motorist insurance
• You’ll also want to take insurance into consideration when choosing your ATV – More powerful ATVs will cost more to insure; Riding Record will also affect your premium, so ride carefully; and You can also get a better rate if you own multiple ATV’s

So if you own a motorcycle or ATV, you need to talk to our experts in getting you the coverage you need to protect your prized Motorcycles and ATVs.

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Boats & Personal Watercraft Insurance (PWI)

Fishing, skiing and boating are well-established Texas pastimes. Yet all too many people fail to realize just how important it is to make sure that their watercraft are properly insured. There are approximately 600,000 Registered Boats in Texas! That’s a LOT of boats out on the lakes, rivers, bays and the Gulf – And that doesn’t include personal watercraft, like jet skis, canoes and small sailboats.

And where there are a lot of people driving boats and other watercraft, there are lots of opportunities for accidents to happen.

Here are a few interesting facts that you should know if you own a boat or personal watercraft (Note: most of the rules for boats also pertain to personal watercraft. For example, the operator of a PWI must wear a life jacket. And a person being towed by a PWI is considered an occupant, and must also wear a life jacket).

For all the rules, go to the Texas Parks and Wildlife Personal Watercraft Operation and Regulations page at http://www.tpwd.state.tx.us/fishboat/boat/laws/pwc/. The site pertaining to boats is at http://www.tpwd.state.tx.us/fishboat/boat/laws/. Examples of the kind of information you’ll find there:

• Texas has more square miles of inland water than ANY other state
• One of the prime directives for game wardens is that they help keep recreational boating safe

 
For the most part boating and riding other watercraft is a great way to relax and have fun with your friends – Whether you’re on a sailboat on a beautiful day; driving a high-powered boat or jet ski, or operating a small fishing boat – It’s a great way to enjoy Texas.

But with so many people on our waterways, accidents will happen, and the Antler Insurance Agency wants to help make sure you’re prepared by having the right kind of insurance coverage, at the best rates available.

While boating insurance is not required in Texas, it certainly is an intelligent choice. We’ve read lots of accounts of things happening to people when they hadn’t properly protected themselves, and many of them are sad stories.

One Story in particular was really interesting. “KingwoodCat” wrote on the texasfishingforum.com site: “Back in 2004, I put my boat in a rental storage shed up on Rayburn and the shed burned down. There were I think 11 boats stored there, of which only two were insured. Mine was one of the two that were insured. The guy who had the stall right next to mine had a brand new Champion with no insurance … Total Loss.“

Because the Antler Insurance Agency is an Independent Insurance Agency, we can look across all of the various insurers to find the best coverages and rates for your boats and watercraft.

Coverages – Risks

• Sinking
• Fire
• Storms
• Theft
• Capsizing
• Stranding
• Collision
• Explosion

Property Coverages

• Skis and tow ropes
• Life preservers
• Seat cushions
• Tools
• Detachable canopies
• Electric trolling motors
• Extra fuel tanks
• Equipment permanently attached to the boat
• Anchors
• Oars
• Dinghies

Boat Liability Insurance

Nobody goes out on the water with the intention of hurting anyone else, or of getting hurt themselves. But should it happen, are you prepared to lose everything you have? It’s simply not worth the risk when boat liability insurance is so inexpensive. What does boat liability typically do for you?

• Pays medical expenses up to the limits in the policy for you
• Pays medical expenses up to the limits in the policy for your resident relatives
• Pays medical expenses up to the limits in the policy for other occupants of the boat injured by an accident arising out of the ownership, maintenance, or use of the watercraft
• Covers your legal liability for an accident that involves injury to another person, or damage to others’ property, up to the limits selected in your liability policy
• Pays for the cost to replace or repair damaged property and other damages you are legally obligated to pay
• Covers the medical bills and wage loss incurred by any injured person as a result of the accident. Note: You can purchase minimum Bodily Injury/Property Damage limits, but limits are available up to $500,000 Combined Single Limits (CSL) for boat insurance policies. Here is what it means if you chose minimal limits of “15/30/10:
  • No more than $15,000 would be paid per person for bodily injury
  • No more than $30,000 would be paid per accident for bodily injury
  • No more than $10,000 would be paid per accident for property damage

This is a lot of information, but here at the Antler Insurance Agency, we feel an obligation to provide helpful and useful information to our Clients.

So keep your eyes open for helpful articles, safety tips, advice on great get-aways, and other topics designed to both entertain and inform.

One of our key objectives as YOUR Insurance Agency is to provide you with the right coverages, at competitive rates, and give you plenty of good information designed to give you the peace of mind knowing that you’re in the right hands here at the Antler Insurance Agency.

Let us know if you’d like us to research and write articles on specific topics, and we’ll try to get you the information you need.

Now, go out and have lots of fun on the water; We’ve got you covered!

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!

Liability & Umbrella Insurance

Everyone knows a little about liability insurance, but very few really understand the terms “Liability” and “Umbrella”.

Simply put, your homeowners and/or automobile insurance may fall well short of the coverage you really need. Each of them have maximum limits that simply might not be enough to protect your assets should you be sued.

If you are in an accident in which you have been found negligent, or if someone is injured on your property, your other coverages can limit out pretty quickly.

In other words, if someone sues you and the cost of litigation and/or settlement exceed the amounts of coverage you have on these other policies, the people that sued you may go after you home and other assets.

Personal liability, or umbrella policies are for people of all income levels, not just the rich. While wealthy people are advised by attorneys and their financial advisors about personal liability insurance, most others are not aware of the need.

These types of policies are also frequently referred to as Excess and Surplus Policies. Here’s why:

Umbrella liability insurance policies cover damage claims that you are liable for – Over and above the amounts of coverage you have in your other policies. And your liability insurance provider will require that you carry basic liability insurance coverage. The personal liability insurance policy kicks in after your other liability coverage (homeowners, watercraft, automobile, etc.) runs out, and will cover the difference up to the limit of your policy.

What does it typically cover?

• Personal injury or property damage claims that were caused by you, members of your family/household, or by hazards found on your property for which you are found legally liable
• Your attorney and legal defense fees, including associated court costs
• Personal liability for incidents that occur on or off your property
• Protection against non-business related personal injury claims like libel, slander, wrongful eviction, etc.
• Additional protection above your basic auto policy for auto-related liabilities

What is typically not covered?

• Intentional damage caused by you or a member of your family/household
• Liability that you accept through the terms of a contract
• Damage to property you own, maintain or use
• Damages from business or professional activities
• Liability related to the ownership, maintenance and use of aircraft, non-traditional watercraft (jet skis, air boats, etc.) and most recreational vehicles
• Damage covered under a workers’ compensation policy

We’re looking forward to helping you get the right coverage.

Call us now at 855-486-4676 (HORN)

Or click on the Button Below for a FREE no obligation quote!