Motor Home Insurance: Do You Need It All Year?

When you have a motor home parked at your San Antonio, TX house, you want to make sure it’s protected. But a lot of the year, that motor home isn’t being driven. Instead, it sits in one spot. That may make you consider dropping the insurance on it while it’s stationary. Come talk to us at Access Insurance Services, so you can get good advice and the right policy for your motor home needs. You’ll be protected all year long that way, and you won’t have to worry about your motor home whether you’re driving it or not.

A Motor Home Still Needs Protection

Even when you’re not driving your motor home, something could still happen to it. It’s not going to be involved in an accident, but someone else could drive into your yard and strike it. It could also be stolen or vandalized in some way. If you don’t have any kind of insurance on it, you’ll find that you aren’t covered and may have to suffer a loss. Fortunately, you can avoid that by working with your agent to make sure your motor home is covered. In some cases, you may be able to adjust your policy for the times your motor home isn’t being used or driven.

Let Us Help You Get the Right Policy

By talking to us at Access Insurance Services, you can get the protection you need for a motor home in the San Antonio, TX area. That will give you proper coverage, but also add to your peace of mind. You don’t want to end up with a problem or a loss just because you didn’t understand your options. Our agents will be happy to help you and make sure your motor home is well-protected all year long.

3 Maintenance Tips to Keep Your RV in its Best Condition

Many residents in San Antonio, TX invest in an RV for their family vacations throughout the year. Like a car or even a boat, an RV is a financial investment and should be maintained to keep it in its best condition. At Access Insurance Services, our team understands the need to maintain your RV for your family and for its overall value. Below are some of our tips to keep your RV in the best possible condition. 

Clean the Seals and Slide Outs

Many RVs come with slide-out portions of their RV that can capture moisture and debris over time. When you are not using your RV, it is imperative to open your RV to its full state and clean these areas. This eliminates a build-up of mildew and prevents long-term damage to seals that can be a costly fix.

How is the awning?

Like the slide-outs and seals, you want to extend your awning and give it a thorough cleaning and inspection. Because it is designed to keep the weather off of you and the RV, it takes the brunt of weather damage most of the time. Once it is cleaned, check it for any chipping or dry-rotted areas that could have built up during storage. If there are any tears, you will want to get that replaced. 

How’s the wastewater system?

Many RVs are purchased and valued based upon their ability to properly disperse wastewater and sewage from the RV. For many campers who are looking to elevate their camping experience or want an affordable travel option, the bathroom and all of its parts must be in quality working order. 

Add RV Insurance today!

If you live in the San Antonio, TX and want to properly insure your financial RV investment, give our agents at Access Insurance Services a call today for more information. 

How much life insurance is enough

Life insurance is something that most people don’t talk about. That is not a good idea, life insurance should be an important part of financial and estate planning. When you are young, it is hard to think about estate planning but in reality, it is the ideal time to think about life insurance. Life insurance gets more expensive the older you get and optimally should be purchased before you are 35 years old. In San Antonio, TX, Access Insurance Services is there to help you with your insurance needs no matter what they are. 

Experts suggest that you have 10-12 times your yearly income in life insurance. When you are young, your income is likely to be lower than it will be later in life so going for a higher amount might be a good idea. It is important to answer a few questions before you determine how much life insurance is enough. 

  • Who depends on your income?  Do you have a spouse or children? Are you helping out elderly parents? 
  • How long will they need help after you are gone?
  • Do you have a mortgage or other debt?
  • Have you prepaid your final expenses? 
  • What assets do you have in addition to the insurance policy?
  • Do you want to leave a legacy to someone? 

After you have taken into account the answer to the questions you will be better able to determine how much life insurance is enough for you.  No two people are the same and that is why it is important to have an insurance professional to talk to about that amount and type of insurance that is right for you. If you live in San Antonio, TX or nearby Access Insurance Services has a knowledgable team that can guide you through all the confusion that surrounds life insurance. Stop by the office or give them a call and let them give you a no-obligation quote. 

Business Owners: Commercial Insurance And Company Growth

Business owners should be celebrated for their company’s success and growth efforts.  This often takes good leadership and a smart focus on customer service or quality products.  Successful growth can be a good reason to look at overall company planning efforts.  Sales success and helpful marketing promotions are also sometimes reviewed with an objective of understanding the best paths for success.  Good leadership is applauded with sales growth and good customer service.  Researching sales metrics and reasons for company growth are frequently part of leadership planning with profitability success.  This research process may also be a good time to review company strategies and commercial insurance planning.  Access Insurance Services is experienced working with business owners.  Serving the San Antonio, TX area, the agency is able to walk company leaders through the process of selecting options for commercial insurance.

Effective business leaders are known to routinely consider the amount of work that is available for their companies, along with any sales projections for successful growth.  Profitability and expense management are often part of this type of planning for success.  Additional items may include the following:

  • Profitability and sales revenues
  • Expense management
  • Staff hiring and workers compensation
  • Customer satisfaction and service quality
  • Technology services and promotions
  • Communication strategies with staff and customers
  • Marketing and successful community promotions
  • Administrative tasks and commercial insurance planning

The San Antonio, TX community is proud of its successful businesses.  Growth and planning are helpful when building new client lists and acquiring additional business.  Business expansions and property acquisitions are additional options with success.  Access Insurance Services can answer your questions about commercial insurance planning with your company growth.  You can visit our office or give us a call today to discuss more about your business success or a new start-up company.

Do Home and Auto Insurance Need Separate Umbrella Policies in San Antonio, TX?

Most types of insurance are very specific about what they cover. You have options for health, auto, commercial, life, disability, and renters insurance just to name a few. Each one is a separate policy. Access Insurance Services offers all of these policies in San Antonio, TX, but we also offer a single policy that covers every aspect of your financial life–umbrella insurance policies. 

When It Rains It Pours–Umbrella Insurance Policies Have You Covered

Insurance policies have liability limits. For example, you may have a homeowners’ policy that covers $5,000 of electronics but after a theft or fire occurs you may have even more in damages than that. This is where your umbrella insurance policy takes care of the extra costs not covered. 

Basically, umbrella insurance functions as a liability insurance. The main job of this policy is to protect you against further lawsuits. For example, an auto insurance policy often only covers up to $500,000 at the most but an auto accident can easily add up to millions in damages. Your umbrella policy stops any major lawsuits or seizure of your assets.

Umbrella policies can also protect you from being sued for damage due to an accident while on vacation or at work. 

Quick List of Damage Covered by Umbrella Insurance

  • Legal Fees – Your policy will cover fees for a lawyer, but without an umbrella policy, you could have your assets seized and never make it to court even when you know it’s not your fault.
  • Property Damage – An umbrella policy will cover damage that occurs to other properties. This could happen in the form of a car crashing through someone’s house. Or maybe your toddler knocks over an antique Waterford vase. These are just a couple of examples of property damage that are covered by umbrella policies.
  • Bodily Injury – Several reasons exist for the need for an umbrella policy. Sometimes you may have excessive medical bills in an auto accident. You could be walking your dog and someone is bitten, which wouldn’t be covered by homeowner’s policy. Umbrella insurance covers these extra things. 
  • Other Kinds of Legal Damages – Other types of legal damages covered under umbrella insurance are slander and libel.

Umbrella Insurance Policies in San Antonio, TX

Give Access Insurance Services a call or check out our blog for further reading. We will help you with unbiased and thorough information on the right umbrella policy for you. 

Ways to Lower Your Home Insurance Costs

The price you pay for home insurance in San Antonio, TX, can vary depending on different factors.

Raise Your Deductible: A deductible is what you pay toward a loss before the insurance company pays the claim. The higher the deductible, the more money you save on your premiums.

Don’t Confuse Rebuilding Costs with What You Paid for the Home: The land under the home isn’t at risk from windstorms, theft, or fire so you don’t want to include its value when determining how much insurance to get. If you do then you will pay higher premiums.

Bundle Your Policies: You may be able to get a discount in San Antonio, TX, from your insurance company if you bundle your home and auto policies.

Make the Home More Disaster-Resistant: Find out from an agent at Access Insurance Services what you can do to make your home more resistant to natural disasters. You may be able to save money by getting stronger roofing materials or modernizing your electrical, heating, and plumbing systems.

Improve Home Security: You can typically get discounts if you install smoke detectors, deadbolt locks, or alarms. Before you buy a home security system, find out what kind of device your insurer recommends and how much it can save on your premiums.

Have Good Credit: Establishing a good credit history can help with your insurance costs. To work on your credit score you should pay bills on time, keep balances on credit cards as low as possible, and don’t get more credit than you need.

Stay with the Same Insurance Company: If you have kept coverage with the same insurer for years, you may get a discount.

Review Your Policy Yearly: You want a policy to cover additions or major purchases. However, you don’t want to have more coverage than you need. If your belongings aren’t worth what you paid anymore then you may need to reduce or cancel your rider or floater.

Contact Access Insurance Services to get a quote on home insurance. 

 

3 Unexpected Hazards Motorcyclists Face

The agents of Access Insurance Services provide motorcycle insurance for riders who live in San Antonio, TX and the surrounding communities. They work diligently to keep their clients aware of hazards they may be confronted with while riding on Texas highways.

Grass Clippings on the Road

Homeowners who blow their grass clippings on the road when they mow their lawns. The grass can make the roadway slippery, causing a motorcyclist to lose control and crash their bike. Always be aware of the road conditions and if grass clippings are spotted, proceed with extreme caution.

Grooved Pavement in Construction Zones

Grooved pavement that is often found in construction zones can make it difficult to control the steering while riding a motorcycle. Signs are often present but if they are not and you are entering a construction zone, be aware!  Maintain a slow speed and try to find pavement that is smooth and easy to travel on.

Distracted Drivers

Distracted drivers are causing more and more accidents each year. Some statistics say that the most common age for distracted drivers is between 18 and 24 years of age. It is also estimated that most vehicle/motorcycle crashes that involve a fatality are caused by a distracted driver who is on their cellphone or who have taken their eyes off the road.

In San Antonio, TX, the agents of Access Insurance Services are always available to talk to their clients about their current motorcycle coverage and possible risks they may face when they go out for a ride. Don’t delay! Call and talk to an agent today to find out how you can travel safer and reduce your exposure to risks you may experience during your travels.

What Is Covered With RV Insurance?

Owning an RV in San Antonio, TX can make it easy to embark on all sorts of different adventures. Before you take to the roads, it is a good idea to explore RV insurance. To ensure that you have all of the coverage that you need, you can work with us at Access Insurance Services.

Liability Coverage

When you buy an RV insurance policy, it is going to provide you with liability coverage. This ensures that, if you get into an accident where you are to blame, coverage is in place to take care of property damage as well as injuries of the other party.

There are various levels of coverage, and much of it is going to depend on what type of RV you have. If you have a motorhome where the engine is self-contained within the RV, you will need to meet state requirements for vehicles. Otherwise, if you simply have a trailer, the liability levels are completely optional.

Adding Coverage

Buying an RV is a considerable investment. As such, you want to make sure that you are doing everything you can in order to protect that investment. This is why it’s so critical to pay attention to what is and isn’t covered with RV insurance. 

Most things can be covered, especially if you choose various add-ons. This is when it can be particularly beneficial to work with an independent insurance agent. We can ensure that your policy is custom-built to include coverage for vandalism, theft, and so much more. In the event that something happens, you can relax knowing that you can file a claim with the insurance company.

We have worked with a number of people throughout San Antonio, TX. Contact us at Access Insurance Services today to learn more about how to be sufficiently covered with RV insurance.

3 Tips for Buying Life Insurance in San Antonio, TX

Having a life insurance policy in place is one way to protect your family after you pass away. In fact, it’s one of the most important ways.

A life insurance policy helps with your family’s living expenses, your burial expenses, paying off debt, helping with college tuition, if needed, and more. If you don’t have a life insurance policy, now is the time to get one. Access Insurance Services has put together three quick tips to help you get started.

1. Compare Several Quotes

It’s recommended that you compare many life insurance quotes before deciding to sign on the dotted line. Go over each policy in fine detail, comparing benefits and costs as well as any other concerns you may have. A reputable agent from Access Insurance Services can help you with this process.

2. Bundle Your Insurance Policies

Chances are you already have a few insurance policies in place, such as auto, home, umbrella, commercial, and others. When you bundle all these policies, along with your life insurance policy, under one insurance carrier, you will receive a discount on your premiums. 

3. Work with a Reputable Agent

To find the right life insurance policy at the price you want to pay, work with a reputable insurance agent who is friendly, experienced, and who answers all your questions and concerns. 

To learn more about the benefits of a life insurance policy in San Antonio, TX, contact us today. One of our trusted agents will help you compare quotes, bundle your policies, and find you the best insurance company to work with. Our agents are standing by, so give us a call today.  

Protect Your Legal Firm With Commercial Insurance

As a lawyer operating out of San Antonio, TX, you need high-quality insurance to protect yourself and your business. We at Access Insurance Services can provide you with many of these policies, which we’ve outlined below to help make your insurance shopping decision easier.

Lawyers Need Commercial Insurance

Though it may not be immediately apparent, you need high-quality insurance to protect your legal business. Lawyers often run into a myriad of situations that can make protection necessary. Working in such a high-stress field and with such a large number of people can make it nearly impossible to avoid running into these complications from time to time.

Types of Insurance to Consider

Legal professionals will need a variety of insurance types to ensure that they are protected. The most common of these is a general liability. This type helps to protect you from lawsuits brought forth by unhappy clients. For example, they may claim that they were injured while at your facility or that you did not protect their rights while working for them.

If you have an office, you should also have property insurance to keep it safe from damage. This coverage will protect a variety of elements, such as your law library, office furniture, and essential legal records. Typically, this type of insurance protects against problems like floods and fires. Just as importantly, you should make sure that you have business income insurance that helps you in case you can’t practice law for any reason.

Getting the Help That You Need

So if you need help with commercial insurance in San Antonio, TX, please don’t hesitate to contact us at Access Insurance Services today to learn more. Our professionals will sit down with you and find a coverage plan that works the best for your needs and ensure that you are fully protected and safe.