Auto Insurance

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage. Throw in the deductible amount and the vehicle's value to arrive at the policy's cost. Reduce the coverage amounts or raise the deductible and the cost of the policy goes down.

Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy.
Collision covers damage to your car from an accident. An SBCIA agent can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need.

Boat Insurance

SBCIA provides insurance for many kinds of pleasure boats - sail and power, inboard or inboard/outdrive. As a general rule, we insure powerboats up to 39 feet and sailboats up to 49 feet. We also have a special policy for outboard boats under 18 feet with an outboard engine less than 90 hp and total value under $15,000. Whether you insure a single boat or an entire fleet, you get quality protection and outstanding claims service.
You should consider coverage that includes hull and machinery damage if you strike an object in the water - with no depreciation on repair of machinery - and at no additional cost.
Small boats or tenders used to service your boat are now automatically covered, subject to certain length, value and hp limitations.
Your Unattached Equipment is automatically insured up to 10% of hull value (or $100, whichever is greater). If you need a higher limit you can choose an Additional Unattached Equipment endorsement with a separate deductible.
Your personal effects are covered up to $250 if your boat collides with or is upset by another boat.
Your boat is still fully covered when it's hauled out.
Broad Form Liability Coverage protects your financial and property assets if the operation of your boat causes injury or property damage to others.
Whether you cruise the Atlantic or Pacific coasts, or inland waters anywhere between, your protection sails with you - up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. Even when you haul your boat out of the water, it's still protected.
Some insurers limit Towing Coverage to as little as $50. SBCIA has a boat policy that provides, through the Emergency Assistance Package, up to $500 in towing costs.
Medical Payments insurance, including coverage for water skiers, protects friends and family you welcome aboard.
Coverage for your Boat Trailer can be included, with a separate deductible.

Note: Coverage statements are general descriptions only. The full and exact contract is contained only in the policy. Product availability only in the state of Texas. Please email an agent if you have any questions.