Sports enthusiasts are counting the hours and minutes to the biggest sporting event – the Super Bowl.

Auto Insurance Agent Odessa, TexasIf you’re doing a road trip to the Super Bowl next week you will appreciate a few good traveling tips to heed on your journey. Also tips on making sure the ‘party and the vehicle’ are all covered with the right insurance.

Prepping for Your Road Trip

Overall Checkup: Whether you do it yourself or go to a garage, pre-trip auto maintenance is essential to comfortable cruising. Check the wiper blades, all fluid levels (oil, water, etc.), belt and hose connections, tire pressure, turn signals, horn and headlights. If your vehicle is still not instilling confidence, consider an all-out professional inspection.

Trunk 101: Exactly how prepared you want to be as far as your vehicle tool kit is up to you, but a few items go without saying. The following should always be within easy reach when you open your trunk door: a tire iron, bottled water, fire extinguisher, flashlight and first-aid kit and reflectors/flares.

Spare Care: Just because you have a spare tire doesn’t mean it’s in working order. Give it a good look before hitting the road to ensure it is properly pumped and the treads are intact. If you’ve got the space, swap out doughnut tires for a full-size spare.

Mobile Security: Few people travel far without their mobile phone; but you might want to check roaming costs and ask any other questions you might have for your cell provider before you hit the road.

Safe Driving: Traffic for special events is always heavier and driving safely requires more attention to the road. Make sure all your passengers are buckled up and an experienced driver is behind the wheel. Save the alcohol for when you arrive, not in the car. And remember, safe driving ensures your auto insurance rates will stay lower.

Auto InsuranceBefore leaving for the Super Bowl make sure your auto insurance is current and complete. Make sure there is a copy of your auto insurance in your glove box. Be sure that your policy covers all of your fellow travelers, family and friends and double check your deductible to be sure you’re comfortable with it.

Emergency Travel Expense: If your vehicle is incapacitated because of a covered loss, most auto insurance policies cover the cost of a rental car and/or hotel room while your vehicle is being repaired. If your vehicle is not repairable, the policy can cover airfare or funds to enable you to return you and your family or fellow travelers home.

Vacation Home Insurance Coverage in TexasNestled in the mountains your vacation home is the perfect getaway for family holidays, ski outings and hiking trips. But remember an important part of planning your trip is to make sure you have the right insurance coverage on your popular secondary home; something to consider when family and guests are all under one roof.  Your insurance refers to a secondary home as a house, condo, mobile home or a RV that is set up on a permanent basis.

For your convenience, you can choose a prepackaged policy or customize a policy to meet your specific situation; however, not all Insurance companies require you to have your primary insurance with them in order to cover a secondary home.

Seasonal or secondary home coverages and settlement options can include:

Comprehensive Property Coverage

This means we can cover most direct, sudden, and accidental physical losses not specifically excluded in your policy.

Named Peril Coverage

This means “perils” (such as fire, explosion, lightning, windstorm and hail) that are specifically named in your policy are covered, subject to policy exclusions and conditions.

Liability Coverage

Liability insurance covers you if you’re found legally responsible for an accident that either causes injury to someone who doesn’t live in your home, or that causes damage to another’s property.

Actual Cash Value (Partial Loss)

In the event of a partial loss by an insured peril (like if a hail storm breaks a few windows), this covers the cost to replace or repair your damaged property, with a deduction for depreciation and minus any applicable deductible.

Agreed Loss Settlement (Total Loss)

If your secondary home is destroyed by an insured loss, you will receive the full amount of insurance you purchased for your home, minus any applicable deductible. Availability of the “Agreed Loss Settlement” option may depend on the type of policy written.

Replacement Cost

Purchase optional Replacement Cost coverage and receive a settlement that reflects the cost to replace the damaged property with new property of comparable material and quality, without any deduction for depreciation.

Extended Replacement Cost

You may receive up to an additional 25% of the amount of insurance necessary to replace your home. Extended Replacement Cost is not available in all states.