Boating Insurance Keeps You Afloat, Texas Two Step Program, Boating Apps for Summer, Texas Trivia Contest, Agency Happenings, Meet Hector Gutierrez, and More!

Boating Insurance Keeps You Afloat

Water activities are a great way to bring people together, but it is important to remember that accidents, injuries and fatalities do happen, especially when alcohol is involved. If you enjoy fishing, sailing, yachting, or cruising around on a powerboat, make sure you have boat insurance that covers your liability risk as well as your watercraft, equipment and passengers. To get the right coverage that will protect your financial investment, contact our insurance protection team today. We who know the risks and regulations for your specific area and will help ensure that you are fully covered when you head out on the water.

What Does Boat Insurance Cover?

The exact boat coverage you need depends on multiple factors. Small boat insurance is very different from yacht insurance, for example. However, for most types of boats, the three kinds of coverage in a basic boat insurance policy include:

  • Bodily injury liability for expenses related to the injury of another person
  • Property damage liability for expenses related to harming another person’s property
  • Physical damage for damage to your own property, including your boat and trailer.

You also may want to add additional types of coverage to your boat insurance policy in order to fully protect yourself and your property. Here are some examples of additional coverage:

  • Property coverage for equipment such as tools, life preservers, anchors and oars
  • Insurance for fishing equipment like your rods, lures, nets and tackle
  • Towing coverage when your boat becomes disabled and needs servicing
  • Medical payments coverage for hospital and funeral expenses for you or your passengers
  • Uninsured/underinsured boaters coverage if you have an accident with another boater whose insurance is not sufficient to cover damages

As with all insurance, the amount of benefit or reimbursement you have in the event of an incident is set at the time you buy your policy. Be sure to talk with one of our experienced agents who can make sure you have sufficient insurance for the risks you encounter.

What Kinds of Boats Should be Insured?

You can insure just about any kind of vessel, whether you have a yacht, speed boat or personal watercraft (PWC) like a JetSki. Every type of boat has the potential to be stolen or damaged, and can be involved in an incident that results in harm to another person or their property. Even if your boat is docked or stored in your garage, it can potentially be vandalized, damaged in a fire or storm, or stolen.

Many owners of small watercraft such as canoes, rafts and kayaks assume they will be covered under a homeowners or renters policy. This may be the case, up to a specified limit in your home policy. However, when it’s time to make a claim, you don’t want to be surprised to find out that this limit is not adequate to cover the value of your investment.

Be sure to consider the amount of coverage you would need to repair or replace each of your boats and recreational vehicles if damaged or stolen and ask your agent to help you get the right coverage for those items.


We Are Here for You 

Texas Insurance & Financial Services, Inc. is your trusted advocate. As an independent insurance agency, TXINS represents a wide network of A-rated insurance companies, which allows us to find the best insurance policy to fit your needs and budget. We don’t believe in cookie cutter policies and will customize a plan specifically for you. Your overall satisfaction is our top priority. That’s a promise.

TXINS offers complimentary insurance reviews to ensure you are getting the right coverage for yourself, your family, or your business. To schedule your review, contact us today at 800-541-9849 or via email. Together, we will ensure you are protecting what matters most.

Meet the TXINS Team

Hector Gutierrez

Hector Gutierrez recently celebrated his 10 year anniversary with TXINS and we couldn’t more proud of him or his many accomplishments through the years. Hector is a genuinely kind person and it shows in the amount of volunteer work he does for his community. Our staff enjoys the days he fires up the grill to makes hamburgers for lunch. He is the official “chili master” for our annual TXINS Open House and is always willing to lend a hand or give helpful advice. We are so proud to have Hector as part of the TXINS family and look forward to another 10+ years with him on board.

To learn more about Hector, please click here.

The employees of TXINS are active members in our communities. Here’s a quick list of what we’ve been up to as well as what we have planned for the month.

  • Agent Tommy Hitzfeld was recently recognized as the 2014 Director of the Year for the El Campo Chamber of Commerce & Agriculture. Presenting his certificate was Carol Wootton, Congressman Blake Farenthold’s field representative. We congratulate Tommy for his outstanding work in the community!
  • Agent Hector Gutierrez recently celebrated his 10 year anniversary with TXINS. We are so proud to have Hector on our team!
  • TXINS honored their staff for Administrative Assistants Day with a catered lunch via Mrs. Sorrel. Branch offices were treated to lunch by Mr. Gordon Sorrel and Kara Wood.
  • The Georgetown office is excited to welcome new agents Collie Moye and  Al Ford to the team. We look forward to working with them!
  • The Needville Youth Fair was held April 10-19 at the Needville Youth Fairgrounds. TXINS made a financial contribution to the event and congratulates all the youngsters who participated.
  • Congrats to Eileen Stoesser for being one of our winners in last month’s Texas Trivia Contest! Want your chance to win? Check out our trivia question below and email us with your answer!
  • The Needville office has a new look! We’ve added new Traditions Insurance Services signage to the outside of the building and updated the inside with a new fresh look. Stop by and see us!


I’m really confused abut the new system for vehicle registration and car inspections. Can you help me understand the new changes that affect how I get my sticker?  – Martha H., Pasadena, TX

Dear Martha:

In a nutshell, the State of Texas has transitioned to what it’s calling the “Two Steps, One Sticker” vehicle inspection and registration program. As of March 1, 2015, vehicles are no longer issued inspection stickers. Your vehicle registration sticker will serve as a combined proof of registration and inspection.

Here’s a breakdown of the program:

Step 1: From March 1, 2015 through February 29, 2016, you may renew your registration if your vehicle has a current, passing inspection. However, if your inspection and registration stickers both expire in the same month your vehicle will need to pass inspection prior to registration renewal. To find your nearest inspection station, please visit the Texas Department of Public Safety’s (DPS) website.

Step 2: Renew your annual registration online, by mail, or in-person at your county tax office. At the time of registration, your inspection status will be verified electronically. A current, passing inspection is required for registration renewal.

Starting March 1, 2016, you will have a 90-day window to complete both your inspection and registration. Your registration is valid through the last day of the registration expiration month.

Regarding the fee for the combined registration/inspection sticker, you’ll pay that in two steps as well. The inspection station’s portion of the fee is collected at the time of inspection. The state gets its fee at the time you register your vehicle. You’ll see it as an added line-item on your renewal form.

For more detailed information as well as a handy how-to video, visit the Two Steps One Sticker website.

Do you have a question for our agents? Email it to us! If we choose your question, we’ll send you a thank you gift! Be sure to include your mailing address and phone number in your email.

Did You Know?

– May 2 in National Life Insurance Day. This day marks the anniversary of the first day life insurance became available in the United States. Do you have enough life insurance coverage in place? Make sure by contacting one of our insurance protection specialists.

– May 4 is Stars Wars Day. On this day, thousands of super-fan couples get married. movie theaters around the country hold Star Wars movie marathons, and people walk around telling each other “May the Fourth be with you.” Are you a Star Wars junkie? What’s your favorite episode?

– May is both National Brisket Month and National Hamburger Month. In many homes, these two meals are enjoyed on a weekly basis. If you had to choose only one to eat for the rest of your life, which one would you pick?

– May 22 is National Vanilla Pudding Day. Whether from a box or from scratch, there are so many wonderful variations to this classic, and yummy, dessert.

Hurricane Insurance Does Not Cover Flood Damaage

Hurricanes bring heavy rains that often cause flooding due to sewage backups, rising waterways and saturated soil. While hurricane insurance policies will typically cover water damage if the water comes from above, if damage comes from flooding, you will need to have a separate flood insurance policy.

Every state is different in its approach and regulations for homeowners insurance and coverage for major storms. For example, several states, including Florida, Texas, Alabama and New York, allow homeowners insurance companies to impose much higher deductibles for hurricane damage claims to reduce the risk to the insurance carriers.

In certain states, home owners may need to supplement hurricane insurance with windstorm insurance. Those who live in a floodplain may be able to get by with their regular homeowners insurance supplemented with flood insurance.

While you can apply for flood insurance anytime, there is a 30 day waiting period before you can use the coverage. It is important to plan ahead.

We LOVE Referrals!

Congrats to Nancy Humphreys of El Campo, TX, our April Referral Program drawing winner! Thanks for your referrals Nancy! Good luck in our end of the year drawing happening in December!

If you love Texas Insurance & Financial Services, Inc., tell a relative, friend, or co-worker about us. When they call to receive a quote make sure they let us know that you referred them.

As a thank you, you’ll receive a surprise gift and will be entered into our monthly $50 gift card drawing and our annual Grand Prize drawing for a $1,500 gift card!!!

(Grand Prize drawing will be held on December 3, 2015.)

Texas Pride Trivia Contest

During the spring, Texas roadsides and fields are filled with the most beautiful wildflowers. From Bluebonnets to Indian Paintbrushes, and Black-eyed Susans to Mexican Hats, Texas is home to many fantastic wildflower species. In early days, Native Americans and Texas pioneers used wildflowers for food, medicinal cures, and to create distinctive tattoos. Famed children’s author Tomie DePaola was so inspired by the beauty of the Texas Bluebonnet that he wrote a book about it.

In DePaola’s The Legend of the Bluebonnet, the little girl sacrifices her favorite doll in an attempt to appease the gods to bring rain. What tribe is the little girl from? Email Kara Wood with your answer. If you’re one of the first 3 people to answer correctly, you’ll win a full-sized Texas flag.

Show Your Spirit, Texas!


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