Here in Texas, we do everything big. Getting outside can mean a lot of things, from popping up the camper for a weekend trip, making waves out on the lake, or hitting the trails with friends for some 4×4 fun. Each adventure can bring excitement and new memories, as well as hazards and risks. At Castereno Insurance & Tax Service, we aim to provide insurance solutions designed with you and your outdoor toys in mind. From ATV and boat policies to RV and camper insurance, the team at our Sweetwater and Abilene locations are ready to help you get the coverage you need at competitive rates you can afford.
ATV/UTV Insurance
ATVs and UTVs are built for off-roading. Although they can stand up to rugged terrain, these vehicles are not invincible. From rollovers and collisions to theft and vandalism, there are many ways your 4×4 could be damaged – even when not in use. Having the right insurance is of utmost importance, as it can protect you against significant financial devastation due to liability, injury, and personal property loss.
Talk with your agent about the types of coverage that could benefit you most. ATV/UTV insurance policies can cover:
- Collision damages to your ATV or UTV
- Non-collision damages to your ATV or UTV, such as those caused by falling objects or fire.
- Damages to after-market accessories and equipment
- Medical payments to you and your passenger if injured in an ATV accident
- Injuries suffered by an uninsured motorist
- Injury expenses that exceed the coverage limits of an underinsured motorist
- Financial liabilities, including those related to victim injuries and property damages, in the event you are at-fault for an ATV-related accident
Boat Insurance
Boating is a beloved pastime in Texas, especially when summer temperatures start heating up. Lakes are particularly abundant in our North, South, and East in the Lone Star State, where skiing, tubing, wakeboarding, fishing, and cruising are popular hobbies. Boat ownership affords many opportunities for fun and making memories, but it is not without its risks. A Texas boat insurance policy can provide peace of mind knowing you are covered for liabilities, injuries, and damages to your watercraft. At Castereno Insurance & Tax Service, we insure many different types of boats, from bass boats and pontoons to ski boats and personal watercraft.
How much is your boat worth? Could you afford to replace it, your boat trailer, and all of your equipment in the event of a theft or accident? Boat insurance protects your investment with coverage that compensates you for covered losses due to collision and non-collision events. Many policies cover additional unexpected costs, such as on-water towing/assistance and wreckage removal if your vessel sinks or capsizes. Boat insurance can also provide medical payments if you and your passengers are hurt in a boating accident or cover more extensive medical costs caused by an uninsured boater.
Boater liability is another important coverage. It also protects you against liability-related expenses if you are at-fault for an accident that results in third-party damages or injuries. If you are sued, liability insurance can help pay for court costs and legal fees in addition to judgments according to the limits of your policy. In many places, you can also be held responsible for leaking fuel, oil, or chemicals into the water after an accident. Environmental liability coverage can help pay for the cost of cleanup.
Motorcycle Insurance
For riders, a motorcycle is more than just a means of transportation. Your bike lets you feel freedom in a tangible way, while also offering many economical, environmental, and space-saving benefits over traditional four-wheeled vehicles. Unfortunately, there are also downsides to owning a bike – including certain financial risks. At Castereno Insurance, we help riders find affordable motorcycle insurance that helps cover damages and liabilities, minimizing your financial vulnerability when you ride.
Motorcycle insurance policies can include coverage for:
- mechanical and body repairs due to collision
- mechanical and body repairs due to non-collision events, such as falling objects
- theft and vandalism
- compensation for total loss due to covered events
- uninsured/underinsured motorist coverage
- medical payments compensation
- bodily injury liability
- physical damages liability
- and more
When you work with an independent agent at Casterno Insurance, we can assess your individual coverage needs and match you with an insurer that fits your coverage expectations and budget. We can personalize your insurance plan with additional protections for things like your accessories and after-market part upgrades. We can also include additional enhancements to your policy, such as coverage that pays for original equipment manufacturer (OEM) parts available as part of a covered repair.
RV/Camper Insurance
Many Texans own RVs and campers because they can be enjoyed year-round. You can hit the road any time you please, exploring state and national parks, visiting out-of-town family, or setting your sights wherever the road may lead. These recreational vehicles are major investments and can cost thousands of dollars to replace. At Castereno Insurance & Tax Services, we offer insurance for RV and camper owners with coverage customized to fit your needs.
RV/Camper insurance can help protect the value of your rig with coverage for repairs or compensation of total loss due to covered events, such as a turnover on the highway, fire at a campsite, or theft while your RV or camper is stored or parked at your home. It can also protect your personal belongings while traveling, as well as your RV/camper accessories and awnings.
RV Liability
An RV doubles as both a temporary residence and a vehicle. If you hit another vehicle while driving it or a guest visits at a campsite and slips on your wet kitchen floor, the financial damages can be catastrophic. Insurance should protect against those types of losses, with coverage that extends from the road to the campsite. Your liability insurance should not only meet the State of Texas minimum motor vehicle liability requirements, but it should also have limits high enough to protect your income and assets against the cost of a major lawsuit.
Texas Recreational Vehicle Insurance Quotes
At Castereno Insurance & Tax Service, we can insure nearly any outdoor toy you may own. As an independent agency, we shop and compare policies from multiple insurers to help you find a competitive price on the coverage you need. We can also explore your eligibility for premium discounts, including potential savings for:
- Insuring multiple ATVs, watercraft, or other vehicles on the same policy
- Taking boater, ATV, or driver safety courses
- Maintaining a claims-free history
- And more
If you own an ATV, UTV, boat, RV, or camper in the greater Abilene and Sweetwater area, let Castereno Insurance & Tax Service help you find the coverage you need. For more information or to request your free quotes, contact our office today.
