Steven Funk: Allstate Insurance

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Steven Funk: Allstate Insurance Our family has worked closely with Allstate for years to help people with their insurance needs – fro

I am a long time Austinite with a wife, 3 driving teenagers and a Golden Retriever. I take my responsibility as your Allstate agent for your family seriously.

10/16/2026

Can life insurance help cover a mortgage?

Yes. Life insurance proceeds may help beneficiaries continue mortgage payments or pay down part or all of a home loan after the insured person dies. Payment depends on the policy being active and the claim meeting its terms.

The benefit is generally paid to named beneficiaries, who decide how to use it unless a specific arrangement requires otherwise. It does not automatically go to the mortgage lender. Beneficiaries may prioritize housing payments, other household expenses, or preserving funds for future needs.

A mortgage balance is only one factor in determining coverage needs. Income replacement, dependents, other debts, savings, workplace benefits, and existing policies also matter. Coverage that addresses only the mortgage may leave other responsibilities unmet.

Term life insurance covers a selected period, which may align with the remaining mortgage term or years of family income dependence. Permanent life insurance may remain in force longer when required premiums and policy conditions are met.

Coverage amounts, policy type, term, and beneficiary designations deserve periodic review. Buying a home, refinancing, changes in household income, and major family events can affect whether existing coverage still fits.

For Central Texas families, life insurance can support mortgage planning as part of a broader assessment of immediate and long-term responsibilities.

The Funk Family Agency can help you review life insurance options and consider how coverage may support your mortgage and family needs.

10/15/2026

What is the difference between collision and comprehensive coverage?

Collision coverage may help repair or replace your insured vehicle after a covered crash with another vehicle or object. Comprehensive coverage may help with covered non-collision losses such as theft, vandalism, fire, hail, flooding, falling objects, broken glass, or contact with an animal.

Collision generally covers damage to your vehicle, not damage you cause to another person's property. Comprehensive does not replace collision when damage results from a crash. Neither typically covers routine wear or mechanical failure.

Both coverages usually have separate deductibles and remain subject to policy limits, definitions, conditions, and exclusions. Similar policies may differ, so each vehicle's coverage should be reviewed carefully.

For Central Texas drivers, relevant risks may include hail, severe weather, falling limbs, theft, animals, and road accidents. The Funk Family Agency can help review collision, comprehensive, deductibles, and other auto insurance options.

10/08/2026

What does bundling insurance mean?

Bundling insurance means purchasing more than one eligible policy from the same insurance company, such as auto and home or auto and renters coverage. The policies generally remain separate, with their own limits, deductibles, terms, and claims.

A bundle may simplify account management and may qualify for a multi-policy discount, but eligibility and savings vary. Customers should compare total cost and coverage rather than assuming a bundle is automatically the least expensive option. Reviewing the declarations page can help confirm the coverages, limits, and deductibles currently selected.

Central Texas customers should review bundled policies after moving, adding a driver, purchasing property, changing vehicles, or experiencing another major life event. The Funk Family Agency can help you review bundled insurance options and understand available multi-policy coverage combinations.

10/01/2026

What does business property insurance cover?

Business property insurance may help repair or replace covered buildings, equipment, furniture, inventory, supplies, and other company-owned property after a qualifying loss.

Protection depends on the covered cause of loss, property location, policy conditions, limits, deductibles, and exclusions. Leased equipment, property belonging to others, and assets stored or transported away from the insured premises may be treated differently. The valuation method also affects how covered property is valued.

For Central Texas businesses, an updated property inventory can help document assets and support a review of coverage limits. Accurate records do not create coverage, but they can help document covered property after a loss.

The Funk Family Agency can help Central Texas business owners review their assets, discuss where they are used or stored, and explore coverage that reflects current operations.

09/24/2026

What types of ATV insurance coverage are available?

An ATV can face liability risks and physical damage risks, and those concerns are handled by different coverages.

ATV insurance may include bodily injury liability, property damage liability, collision, and comprehensive coverage. Liability coverage may help with qualifying injuries or property damage when the operator is legally responsible for a covered incident. Collision coverage may help repair the insured ATV after a crash with another vehicle or object. Comprehensive coverage may apply to covered theft, vandalism, fire, hail, or other non-collision damage. Requirements and available protection can depend on where and how the ATV is used, whether it is financed, and the policy’s selected limits, deductibles, exclusions, and permitted operators.

Central Texas ATV owners should review where the vehicle is ridden, stored, transported, and who is allowed to operate it.

Funk Family Agency can help you review ATV insurance coverage options for your vehicle and riding needs.

09/17/2026

How is landlord insurance different from homeowners insurance?

The right property policy depends not only on the building, but also on who lives there and how it is used.

Landlord insurance is designed for a property rented to others and may help protect the rental structure and the owner’s liability after covered events, while homeowners insurance is generally intended for an owner-occupied residence. A landlord policy may address covered fire, wind, hail, vandalism, or certain liability claims. Some policies may also offer qualifying rental income protection when a covered loss makes the property temporarily uninhabitable. Tenant belongings are generally not protected by the owner’s policy. Coverage depends on occupancy, policy terms, selected limits, deductibles, exclusions, and optional protections.

Central Texas property owners should make sure their insurance accurately reflects whether a residence is owner occupied, rented, or used for hosting.

Funk Family Agency can help you review landlord insurance options for a rental property and owner liability needs.

09/12/2026

How can life insurance help protect a family?

The value of life insurance is often connected to the financial responsibilities a person leaves behind.

Life insurance can help provide financial support to the beneficiaries named in a policy after the insured person dies. Depending on the policy and coverage selected, the benefit may help with a mortgage, daily living expenses, education costs, childcare, outstanding debts, final expenses, and other financial responsibilities. Coverage may also be important for a stay-at-home parent or caregiver whose unpaid work would need to be replaced. The amount and type of coverage a family considers may depend on its income, dependents, debts, savings, and long-term obligations. Beneficiary designations should also be reviewed after major life changes.

Central Texas families should consider both current expenses and future responsibilities when reviewing life insurance coverage.

The Funk Family Agency can help you review life insurance options and consider coverage for your family’s financial needs.

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09/12/2026

What types of motorcycle insurance coverage are available?

Protecting a motorcycle involves more than choosing a single type of coverage.

Motorcycle insurance may include liability, passenger liability, uninsured motorist, collision, comprehensive, and optional equipment coverage. Liability coverage may help with qualifying injuries or property damage when the rider is legally responsible for a covered accident. Passenger liability may help address qualifying injuries to someone riding on the motorcycle. Collision coverage may help repair the bike after a covered crash, while comprehensive coverage may apply to covered theft, vandalism, fire, hail, or other non-collision damage. Optional equipment coverage may help protect qualifying customized parts or aftermarket gear. Each coverage is subject to policy terms, selected limits, deductibles, and exclusions.

Central Texas riders should consider their motorcycle’s value, passengers, riding habits, and customized equipment when reviewing coverage.

Funk Family Agency can help you review motorcycle insurance coverage options for your bike and riding needs.

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09/12/2026

What does boat insurance help cover?

Protecting a boat can involve more than covering damage to the watercraft itself.

Boat insurance may help cover damage to the watercraft, liability for covered injuries or property damage, medical payments, theft, vandalism, and certain equipment. Physical damage coverage may help repair the boat
after a covered collision or other qualifying loss. Watercraft liability may help when the insured owner or operator is legally responsible for another person's injury or property damage. Depending on the policy, protection
may also be available for a boat trailer, fishing equipment, towing, or fuel delivery. Each coverage remains subject to the selected limits, deductibles, policy terms, and exclusions.

Central Texas boat owners should consider how the watercraft is used, operated, transported, equipped, and stored when reviewing coverage.

Funk Family Agency can help you review boat insurance coverage options for your watercraft and boating needs.

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09/12/2026

How is condo insurance different from homeowners insurance?

Owning a condo does not mean the association’s insurance protects everything inside your unit.

Condo insurance generally protects the parts of a unit the owner is responsible for, along with personal belongings and liability, while homeowners insurance typically protects the entire house and other structures. An HO-6 condo policy may address interior walls, fixtures, cabinets, improvements, and belongings after a covered loss. The association’s master policy may protect other portions of the building and common areas. Because master policies differ, condo owners should review the association documents before selecting coverage. Limits, deductibles, exclusions, and the unit owner’s responsibilities determine how protection applies.

Central Texas condo owners should compare their HO-6 policy with the association master policy and governing documents.

Funk Family Agency can help you review condo insurance coverage and understand how it differs from homeowners insurance.

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07/27/2026

They doubted the vision. But you know home improvements are expensive.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

05/27/2026

Not me getting emotional over a home upgrade.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

05/26/2026

Thermostat set. Vibes set. We’re good over here.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

05/22/2026

They said magic wasn't real. Then it stopped leaking.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

05/21/2026

The pricey upgrade spoke and we listened.

The upgrades that don’t usually make the feeds are the ones that keep your family safe and comfortable. 🤲

In an inside sales role, you'll use your expertise to find affordable solutions that help people protect what matters mo...
12/10/2025

In an inside sales role, you'll use your expertise to find affordable solutions that help people protect what matters most in their lives. Sound like something you're interested in?

Take control of your career journey and apply today: http://spr.ly/6008C64f6

12/03/2025

From free therapy sessions to personalized financial services and virtual fitness classes, Allstate takes employee wellbeing seriously. We even have an entire group of Wellbeing Champions committed to growing our culture of wellness by sharing valuable updates, helping employees locate resources and checking in on their fellow Allstaters.

See how Allstate supports you at work and beyond. Check out our wellbeing benefits:
http://spr.ly/600872ZHy

When employees have the resources to challenge themselves, they don't just grow — they drive change and make a differenc...
11/12/2025

When employees have the resources to challenge themselves, they don't just grow — they drive change and make a difference. Our intrapreneurs group is a community of dreamers and doers that spark innovation across the company, and the entire insurance industry, by encouraging their fellow Allstaters to think creatively to solve the real problems facing us and our customers.

Want to drive lasting change at work and in the world? Join a team that's not afraid to think outside the box. http://spr.ly/60027n8Ow

This is what community looks like. We're proud of the Allstaters in Dallas-Fort Worth for showing up in a major way for ...
11/04/2025

This is what community looks like. We're proud of the Allstaters in Dallas-Fort Worth for showing up in a major way for Genesis Women's Shelter & Support. They packed hundreds of toiletry bags and hosted a food drive to help support women in need on their healing journey.

Our employees' passions become ours. This is why each Allstate employee gets PTO to volunteer their time to causes they care about.

Discover how we help our people thrive while making an impact. http://spr.ly/60097KcF7

Address

7610 W Highway 71, Ste C
Austin, TX
78735

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+15122881102

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