Myth #1 Liability insurance coverage that meets minimum legal requirements offers adequate protection.
 
Fact: Minimum liability limits may not be enough to cover all expenses if you injure someone or damage their property with your vehicle
 
To learn more about the two types of liability coverages; bodily injury liability and property damage liability click here
 
 
Myth #2 Comprehensive coverage is all-encompassing.
 
Fact: comprehensive does not cover all damage to your vehicle.
 
Comprehensive coverage usually extends only to certain dangers—such as theft, fire, or a natural disaster. It can be thought of as coverage that protects your car if it is damaged in an accident that is not a collision. You would need separate collision coverage if you wanted to be covered in an accident where you hit another vehicle.
 
 
Myth #3 If my car is totaled, insurance will pay for me to buy a new car.
 
Fact: In a covered total loss, your insurance payout usually considers depreciation. The payout would also depend on whether the car you drive is 10 years old or a newer model. An insurance payout totaling a 10-year-old car would not be equal to the cost of a brand new one. However, if your car is only a few years old, new car replacement coverage might cover the cost of a brand-new car.
 
If any of these myths surprised you, give our office a call and we can help make sure your covered to the extent you need.
 
The team at Hutto & Dalchau Insurance Agency help with auto insurance, home insurance, life insurance, renters insurance and umbrella insurance as well as business, commercial liability, contractor, commercial auto and surety bonds in the Hill Country area. For more information and to learn about our agency visit our website at www.huttoins.com
 

When purchasing insurance for your motorcycle there are different requirements and options depending on the state. To learn more about what Texas requires give our office a call. In the meantime here’s an overview of coverage options for at-fault accident claims.

Bodily Injury Liability
If either your passenger or the other driver is injured in an accident that was your fault, you might be liable for the costs of medical treatment, lost wages and physical or psychological pain. This coverage helps protect you from having to cover these costs out of pocket.
Property Damage Liability
When you’re in an accident it usually results in damages. If you damage someone else's property, property damage liability coverage will help pay for the ensuing expenses.
Collison
If your vehicle is damaged in an accident, this type of coverage will help with repairs or a replacement.
Personal Injury Protection
This coverage can help supplement lost income as well as any services you can’t perform on your own anymore such as child care or even a funeral, in a worst-case scenario.
Optional Coverage for Custom Parts
If you have added any customized parts to your bike you could choose to cover them in case of damage.

Having the proper coverage can help put your mind at ease in the case of an accident. Call or email us at info@huttoins.com to learn your options and get a quote.
The team at Hutto & Dalchau Insurance Agency help with auto insurance, home insurance, life insurance, renters insurance and umbrella insurance as well as business, commercial liability, contractor, commercial auto and surety bonds in the Hill Country area. For more information and to learn about our agency visit our website at www.huttoins.com

1. Check smoke and CO alarms
Test alarms, replace batteries and replace alarms that are over 10 years old.
2. Change appliance filters

• Furnace and air conditioning filters
• Vacuum cleaner filters
• Refrigerator water filters
• Dishwasher filter
• Air purifiers and humidifier filters
  

3. Clear out medicine cabinet
Dispose of expired medications responsibly. Follow the FDA’s guidelines for proper drug disposal
4. Schedule a cooling system check
Have an HVAC pro check your thermostat, tighten electrical connections on motors, lubricate moving parts, clean air conditioning coils, check refrigerant level and clean and adjust blower components.
5. Test your well
If you own a well the CDC recommends testing your well each spring for mechanical problems and to check for contaminates.
6. Drain your water heater
The water in your water heater needs to be flushed occasionally to remove sediment build up. The frequency will depend on the water quality in your area.

Getting your house in order before the warmer months will make sure its safer and running more efficient. Visit the allstateblog for more information.

Our agency can assist with your insurance needs. Feel free to give us a call or send us an email.
The team at Hutto & Dalchau Insurance Agency help with auto insurance, home insurance, life insurance, renters insurance and umbrella insurance as well as business, commercial liability, contractor, commercial auto and surety bonds in the Hill Country area. For more information and to learn about our agency visit our website at www.huttoins.com