Exploring The Benefits Of Term Life Insurance

Access Insurance Services assists the San Antonio, TX community by offering residents different types of insurance coverage. We help our clients find protection that aligns with their individual situations. Our status as an independent agency has allowed us to establish positive relationships with multiple carriers throughout San Antonio, TX, and other parts of the state.  

Life Insurance

At some point, you have to start planning for the future. Life insurance allows you to have peace of mind as you consider how your friends and family will react after your passing. The policy ensures that your family will have a safety net as they attempt to move forward if something were to happen to you.

Exploring The Benefits Of Term Life Insurance

Term life insurance provides coverage through a specified time period. While figuring out the length of time that you want coverage may be complicated, term life insurance provides you with several different benefits.

Term life policies are very direct. You’ll receive clarity with this policy that others may not have. There aren’t a lot of variables that you have to think about regarding this type of policy. If you are only looking for temporary protection, term life insurance is a great option for you. You can research a policy for 10 years, which is a relatively short amount of time. You also have the ability to find an adjustable policy based on your individual situation. Term life policies are also very confidential. Term life policies provide benefits without any lengthy delays. This is especially beneficial during an emergency.

Consult With Access Insurance Services

Planning for the future can be a difficult process. However, we can help you put things in order so that your family will be secure after your passing. Visit our website to learn more information.

Types of Commercial Insurance

Most people know of liability insurance or a business owner’s policy (BOP). Access Insurance Services wants you to understand that more than 15 types of commercial coverage exist though such as glass insurance, boiler policies, commercial auto, etc. This blog explains each succinctly so you can obtain the policy coverages you need to best protect your San Antonio, TX business.

A BOP provides you the three most common types of coverage bundled into one insurance policy. You obtain liability, property damage, and perils, and sometimes, business interruption insurance, in one policy that costs less than all three separately.

Consider glass insurance if you own a storefront, an office building, or a dance studio. Those business types have numerous windows or mirrors in their structure. If they crack or break, this policy pays for replacement.

A boiler or machinery breakdown policy keeps you toasty in winter. If your boiler breaks down, or your business, office, or manufacturing machines break, this policy pays for the repairs or equipment replacement.

Commercial auto policies cover what a personal auto policy and commercial insurance would not. You can obtain coverage for a single commercial vehicle or for your entire fleet.

Errors and omissions insurance protects you from mistakes that were not caused by negligence. If a product you manufacture broke and hurt someone, your E and O policy would pay the settlement. This falls into the same category as malpractice insurance for medical professionals.

Inland marine insurance helps any business that stores, transports, or delivers items belonging to another person. A dry-cleaning business would need this policy type as would a delivery service a jeweler, etc. 

Other types of commercial policies include business interruption, debris removal, law insurance, tenant’s insurance, and crime policies.

Keep your financial investment in your San Antonio, TX business protected with the appropriate business insurance. Let Access Insurance Services help you choose the policies that will best protect your commercial endeavors. Call us today for a consultation.

How will home insurance protect my San Antonio property?

San Antonio, TX is one of the largest and most populated cities in the country and state of Texas. This area continues to grow quickly, which provides a lot of opportunity for people professionally and could make it a great area to own a home. If you do purchase a home in this area of Texas, it is very important that you get a quality insurance policy. A home insurance policy can protect your San Antonio home in several different ways.

Insurance Protects Dwelling

One way that your home insurance policy will be able to protect your property is by providing you with coverage for your dwelling. If your home is ever damaged by a fire, bad weather, or another issue, the cost to remediate this could be significant. Fortunately, when you have home insurance, you will have the financial resources that are needed to repair or even fully replace your home.

Personal Asset Protection

Another way that your policy will protect you is by providing you with coverage for your personal assets. If you choose to purchase a home, you will want to ensure that your items under the roof are protected as well. A home insurance policy will include a provision for personal items including clothing, furniture, and other items that you own. 

As you are shopping for home insurance in the San Antonio, TX area, it would be a good idea for you to speak with the team at Access Insurance Services. There are a lot of very important decisions that need to be made when you are looking for home insurance. The team at Access Insurance Services will be able to answer all of your questions and ensure you continue to have the right type and level of coverage. 

What will Happen if You get Caught Without Auto Insurance?

There are severe penalties when you drive without auto insurance. And for the state of Texas, the following includes penalties for not having auto insurance: 

1. First Offense 

You will be required to pay approximately $175 to $350. Some people may think that this fine is not such a stiff penalty. However, first offenders must also pay a yearly $250 surcharge for three years consecutively. 

To add more burden, you will be considered a higher risk due to receiving a ticket for not driving with auto insurance. So, now you will have to get an auto insurance policy that is more expensive. You will also be required to file an SR22 through your insurance company for verification to show that you are carrying state-required liability coverage. 

2. Second and Subsequent Offenses

With another offense, you will face the following offenses:

  • Fines ranging from $350 to $1,000
  • Three, consecutive, annual surcharges costing $250
  • A possible order by the court to impound your vehicle for 180 days in which you will be required to pay a $15 daily fee for impoundment. 

PLEASE NOTE: There is an indigency program for those with low income. And even though this program significantly reduces annual surcharges, you will still be responsible for the hefty fines. 

3. Being in an Accident and Uninsured

If you are in an accident and you are not insured, there will be fines, possible vehicle impoundment, and driving privilege suspension. Furthermore, if there is a serious injury or death and you are responsible for the accident, you may face a $4,000 fine and may spend a year in jail. You also must file an SR-22 for three years. You will have up to a two-year suspension of your license and vehicle registration. You also will be totally liable for all property damages and physical injuries due to being at-fault for the accident.

Conclusion

Don’t get caught up like this! Get insurance today from a proven insurance company today! For more information and to get your insurance needs met, Access Insurance Services is the one to turn to. Located in San Antonio, TX, Access Insurance Services is BBB-certified and has been serving San Antonio, TX and surrounding areas since 1993.  

Texas Motorcycle Helmet Laws

Deep in the heart of Texas, you need both a helmet and insurance to ride your motorcycle legally. At Access Insurance Services serving San Antonio, TX, we want to help you remain safe and legal on the streets of our state.

Texas requires riders wear a helmet for both fiscal and physical reasons. If riders in the US had always worn helmets when riding, the country would have saved $1 billion in medical costs. Wear a helmet reduces the risk of death by 37 percent and reduces head injury risk by 69 percent.

You will see riders in Texas who do not wear a helmet. They are not all lawbreakers.  Only riders less than 21 years of age must wear a helmet. Once you reach the age of 21, you get two options to use if you do not wish to wear a helmet while riding.

  • Complete a safety and training course for motorcycle operators.
  • Present proof of health insurance coverage that provides medical coverage for the treatment of injuries from a motorcycle accident.

While failure to wear a helmet qualifies as a secondary offense, that does not mean you should ride without one. A secondary offense refers to a violation that a police officer cannot use to stop a rider. They need a different primary offense such as a broken taillight or speeding to make the moving violation. If you get stopped for another reason, the officer can check for the two exceptions. You must always carry proof of either the training course graduation or the health insurance exception.

Wearing a helmet does not qualify for an insurance discount, but contact Access Insurance Services to learn how you can get the coverage you need at a reasonable price. We want to help San Antonio, TX riders remain safer on the road. Call us today.

Should You Get Year-Round RV Insurance?

It’s no secret that RVs give you greater freedom on the road. With RV insurance from Access Insurance Services, you can explore  Texas with confidence knowing you’re protected against mishaps on the road. If you’re a seasonal RV user, you may wonder if it’s necessary to keep your RV insurance year-round. Here are some factors to consider before canceling your coverage during the off-season months.

Importance of RV Protection

As one of your most costly possessions, it only makes sense to protect your RV both on and off the road. If you use your RV extensively during spring and summer, you’ll want adequate coverage to protect you against injuries, vehicle damage, theft, breakdowns, and other incidents that may occur on the road. RV liability coverage is required in Texas to protect other drivers in accidents you cause.

Seasonal Coverage

If you’re not planning on using your RV during fall or winter, you could cut back on your coverage to save on insurance costs. Keeping liability coverage enables you to take impromptu weekend trips during pleasant fall or winter weather. Cutting back on collision or uninsured motorist coverage is a viable option during this time.

You can also retain comprehensive coverage as it protects your vehicle against theft, vandalism and damage from inclement weather. If you’re parking your RV next to your home, these factors are still a risk. While in storage in San Antonio, TX, your RV is still at risk of fire damage.

RV Financing

If you’ve taken out a loan on your RV, your lender may require you to have certain types of coverage year-round. You can discuss this option with your insurer to see what’s best for your particular situation.

For more information about RV insurance in San Antonio, TX, contact your Access Insurance Services agent today.

Three things to know about commercial insurance in Texas

If you’re a business owner in San Antonio, TX, it’s important that you protect your company’s finances by investing in the right commercial insurance policy. We provide commercial insurance to San Antonio business owners at Access Insurance Services.

The following are three things you need to know about commercial insurance in Texas. 

You may be required by law to carry some types of commercial insurance.

One of the number one things you need your commercial insurance policy to do is meet any legal requirements. Depending on your industry, you may be required to invest in certain types of coverage.

In particular, you need to pay attention to the required commercial insurance coverage if you hire employees at your company. You may be required to purchase worker’s compensation and unemployment insurance if you have a staff of workers at your company. 

Commercial insurance premiums can be written off as a business expense.

Although commercial insurance premiums may cut into the profits of your company, they do offer the advantage of being business expenses that you can write off. This will help to bring down the tax liability of your company. 

Business owners should update their commercial insurance policy as their business changes.

Your business is going to change over time. As your business changes, you need to update your commercial insurance policy.

Make sure that you factor company growth into your commercial insurance decisions. The growth of your company can lead to new liabilities and risks that you need to account for with your commercial insurance coverage. 

Do you want to learn more about commercial insurance? We can answer any questions you have about commercial insurance at Access Insurance Services. We’re here to help business owners in San Antonio, TX to meet their insurance needs. 

The Most Common Life Insurance Mistakes and How to Avoid Them

Making a mistake with your life insurance can be a colossal error that costs the very people you are trying to protect – your loved ones. However, by working with a reputable life insurance company you can make sure that your loved ones are supported even after you are gone.

Waiting to Buy

Given that life insurance only kicks in if you die, it’s not exactly an uplifting conversation which can lead to many people procrastinating on purchasing it. With many families having one person earning significantly more than the others, it’s important that at a minimum the higher earner have life insurance. 

Buying the Wrong Type of Life Insurance

There are several types of life insurance and purchasing the wrong one can cost you significant money. For example, term life insurance covers the policyholder for a specific number of years before it expires. Conversely, permanent life insurance or universal life provides coverage for the entirety of your life and also allows you to accumulate a cash value that can then be borrowed or surrendered against if you face financial hardship. 

Not Adding a Beneficiary

Singing a life insurance policy is only the first step with the next being to add a beneficiary; however, you’d be surprised at the number of people that forget this step and then find their estate in limbo if they pass away. As a best practice, be sure to update your life insurance policy after any major life event such as the birth of a child, a marriage, or a divorce. 

At Access Insurance Services in San Antonio, TX our team of insurance professionals will take the time to get to know you personally so that we can help you find the best life insurance policy for your needs. No matter your questions, we are more than happy to answer them and walk you through every aspect of your policy. Don’t delay another day and give us a call. 

3 Things You Need to Include in a Video Inventory

Creating a video inventory is an ideal way to provide an accurate and up to date list of everything you own.  A good photo/video inventory will show the condition of each item as well as its model and serial number if there is one available. The agents of Access Insurance Services offer their services to residents of the San Antonio area.

Electronics

Include all of your electronics. The inventory should show all sides of each piece and include both the model and serial numbers. If possible include video footage of the item while it is turned on and being used. If the serial number is too small to see, write it down on a small piece of paper and set it beside the item so it is clearly visible.

Power Tools

Don’t forget to include all of the high dollar items you have in your garage. Power tools can be extremely expensive and some may be hard to replace. Putting them on your video inventory is a must. While you are out in your garage, remember to include other items as well. 

Antiques and Collectibles

Antiques and collectibles should also be included. If there is more than one item to a set, make sure to video each piece separately.

In San Antonio, TX, the agents at Access Insurance Services offer homeowners a variety of tips on how to perform an effective and thorough video inventory. Make contact with them at your earliest convenience to find out what items you should be including in your home inventory. With all their years of experience, they can provide reliable and sound advice to help you keep your home secure.

Does Auto Insurance Cover Vehicle Upgrades in San Antonio?

When it comes to purchasing auto insurance in San Antonio, TX, you may have a few questions about what your coverage will be like and how it will be applied to certain situations. This is difficult to answer at times in that it can be impossible to predict the many scenarios that might arise during your ownership. But one thing that you should know about your coverage is that your insurance company does need to know about when you make improvements to your vehicle. Access Insurance Services wants you to know why this is and how you can communicate with your carrier. 

Talking It Out 

When you drive a new car off the lot, the conventional wisdom is that it starts depreciating immediately. So you may not think that you need to inform your insurance company of any improvements you make because the two factors will balance out. But the truth is that a premium stereo system or an after-market spoiler doesn’t necessarily have the same rate of depreciation. And if you haven’t your insurance company of the matter before it’s damaged, lost, or stolen, the reality is that they may deny part of the claim. 

Get in Touch with the Right Carrier 

If you’re a driver in San Antonio, TX and aren’t sure if you have the right coverage for you, Access Insurance Services is here to help. Our staff makes it easier to start a dialog about what’s going on with your car, so you’re sure you’re getting the most out of your auto insurance. Because your plan is more than just a requirement to be a safe driver on the road, it’s a way to protect the investment you’ve made both in the vehicle and any upgrades you’ve happened to make.