Home Insurance Protection for Fire Dangers

Fires in San Antonio, TX may spread rapidly and cause great damage to many homes. Thankfully, home insurance policies from Access Insurance Services can protect you from this danger and total home loss.

Most Policies Cover Fires

Home insurance will cover fires started by lightning strikes, electrical problems, gas issues, stove problems, and other issues in a home. They typically cover the dwelling – the structure of the home – and all detached structures, like garages. However, personal property in the home, including furniture and clothing, are also protected. Homeowners need to create a list of all destroyed property after the authorities have confirmed the fire was an accident.

Some Fire Limitations May Apply

Though home insurance covers just about any type of fire danger, there are a few issues that they don’t protect. For example, a deliberate fire set by the owner – known as arson – is not covered and, in fact, is a criminal offense. However, arson by someone else is typically covered, as long as the person who started the fire wasn’t the homeowner trying to defraud their insurance provider.

Fires in a vacant home are another situation that is rarely covered. A home is declared vacant is a person hasn’t occupied the home for more than 30 consecutive days. However, a homeowner can buy a specific endorsement for their policy that will protect the home – such as if it is only used during vacations – from fires.

Find the Policy That You Need

As you can see, fire protection is a smart choice for those with home insurance. So if you live in San Antonio, TX and are worried about the dangers of fires, please contact us at Access Insurance Services. We will help you find a policy that suits your needs and help you avoid the dangers of severe fires.

Life Insurance Mistakes You Don’t Want to Make

Life insurance can be a useful financial safety tool for families in San Antonio, TX but you don’t want to make these mistakes because doing so could lead you to getting the wrong coverage. Discuss these mistakes with an agent at Access Insurance Services.

Buying the Wrong Amount of Coverage: Not everyone will benefit from life insurance in Texas, and depending on income and life circumstances, you may not need life insurance. However, if you have a family and are the breadwinner, you may need move coverage than you think. Aim for seven times your yearly salary and some extra to help fund college and pay off any debt. Even those who stay at home should have enough coverage to provide childcare and other services, even though they may not need as much coverage as the breadwinner.

Choosing the Wrong Type of Policy: There are different kinds of life policies in Texas. Term policies can be a good choice for families, as long as the policy doesn’t expire until the kids are grown and on their own. Permanent life insurance is useful if you have a financial dependent that will be lifelong, such as an estate with a lot of taxes for heirs or a child with special needs.

Putting Off Buying Life Insurance: Life insurance could be cheaper than you think, so don’t put off the purchase. This is especially important if you have young children. Life insurance can be cheaper the sooner you buy it while you are still healthy.

Only Being Reliant on Free Life Insurance from Work: The benefits from work aren’t enough if your family depends on your income. These policies will usually only cover one or two times your salary and won’t be enough for your family. Coverage will end after you leave. Buy a separate policy and just consider the one from work a free benefit.

Contact Access Insurance Services, serving San Antonio, TX, to get a quote on life insurance. 

 

Why Real Estate Professionals in San Antonio, TX Need Commercial Insurance

As a real estate professional in San Antonio, TX, you spend your day helping people rent, buy, sell and appraise the property. You might find yourself in different situations on a regular basis, whether it’s in the field or preparing paperwork at the office. Sometimes, you may find yourself at risk and wonder what you can do to protect yourself and your assets. Your Access Insurance Services representative can walk you through the commercial insurance policies that would most benefit you. In the meantime, here’s some information to get going.

Commercial Liability

You might be wondering what would happen if an employee at your brokerage or appraisal service racks up medical bills due to a work-related injury. It could be due to human error or pure accident. A liability policy tailored to your business can help prevent legal and medical bills that can negatively impact your business. 

The U.S. Small Business Administration states that general liability insurance protects your form legal issues resulting from injuries, accidents, and negligence. 

Property Damage

Just as unforeseen events can lead to bodily injury and litigation, property damage risk can put your business in jeopardy without the right policy in place to protect it. General liability for your business acts as a homeowners policy. Your office and properties have valuable equipment that you need to stay in business, and you need to include this contingency when you build your commercial insurance policy with your insurance agent.

Professional Liability

Professional liability is also known as errors and omissions coverage (E&O). It safeguards your real estate business against unintended errors and omissions. The Insurance Information Institute states professional liability insurance is needed to protect your assets against misrepresentation, negligence, fair dealing or good faith violations and consequent legal expenses.

Contact your Access Insurance Services representative today to discuss all your commercial insurance needs and to schedule an appointment for a quote.

Does Your RV Insurance Cover You Everywhere You Go?

Like many others in San Antonio, TX, you probably want to take your RV to places far and wide. However, before you start crossing county or state lines, it’s important you know if your insurance coverage goes with you for the ride. Access Insurance Services offers many RV insurance options, and here is how they work when you’re out of town.

Where Do You Plan to Travel?

If you’re staying within the state, then your RV insurance will cover you as normal. Even though Texas is a large state, you can have the peace of mind knowing your insurance protection isn’t going to change from one side of the state to another.

If you plan to go out of state, things can become slightly more complicated. Typically, your insurance coverage will still protect you out of state. Different states have different minimum insurance requirements.

If you’re in an accident in a state that has different insurance requirements, your Texas insurance will still cover you. If the requirements in the new state are higher, then your insurance may temporarily raise your coverage for that single incident.

Are You Living Out of Your RV?

Many people make their RV a home. This is fine if you stay in Texas. If you spend more than a few months in a different state, you may have to change your RV insurance coverage options.

Residency requirements vary by state, but most states consider you a resident if you’re living in the state for a specific amount of time. Once you pass the limit, you will have to register and insure your vehicle in that state.

Access Insurance Services can help you with your RV insurance no matter where you go in San Antonio, TX and beyond. Before taking a long trip or deciding to set roots in a new place, contact us to learn more about your RV insurance requirements.

4 Motorcycle Coverages Not to Forget to Include in Your Policy

In San Antonio, TX, motorcycle drivers must follow licensing, title and registration requirements that are similar to regulations for operating a motor vehicle. People who want to take their motorized cycles, especially cycles that accelerate to at least 30 mph, must also show proof of financial responsibility that most Texas residents provide as insurance.

Access Insurance Services encourages you to seek help with choosing the right insurance for your two- or three-wheel vehicle.

Don’t forget to include these four coverages in your policy:

  • Payouts for vehicle damages – In addition to making sure you can pay to have your own repair, you will want to have the confidence that you can pay for damages to another vehicle for which you might be liable.
  • Provision for bodily injury treatment — Your policy could include money for medical procedures needed not only for you but for passengers and other drivers. The minimum amount paid after an accident is based on the plan you choose.
  • Funds to cover property damage – Maybe you hit a stop sign or the side of a building. Having insurance for this expense can reduce some anxiety in you.
  • Uninsured motorist coverage — This could prevent you from losing your motorcycle or other assets just because someone else does not have insurance.

Access Insurance Services, a provider of coverage to motorcycle drivers in San Antonio, TX, wants to help you choose the level of coverage appropriate for you. It depends on your make, model and year of vehicles as well as safety preparedness and other factors.

Please contact us, and an Access Insurance agent here in San Antonio will answer all your insurance questions.

Why Do So Many People Lack Life Insurance and Why Is It Important?

There are a number of reasons why people don’t buy life insurance in San Antonio, TX. Some of these reasons include that they believe it’s too expensive, it’s only for old people, they are healthy, or they don’t have kids.

Even with these reasons, life insurance can have a number of benefits. Even if you don’t think you need it, you probably do. Here is a question to ask to determine why you need insurance and to discuss with an agent at Access Insurance Services. If you were to die, someone will need to assume your debt. If you have a home, business, or other liabilities, someone else is going to have to be responsible for those debts, whether it’s your spouse, parents, or siblings. If you are a business owner, you need a succession plan, and usually this succession plan involves purchasing a life insurance policy.

There are some main reasons why it’s important to purchase life insurance. It can protect your family and loved ones, not just your children. It’s also for a spouse who would find their life very different without a partner’s income. There should be enough money to cover day-to-day household tasks, like cleaning. Life insurance can also allow you to leave an inheritance. This also is not just for kids, but your loved ones as well. Everyone has debts and, with the money you get from life insurance, your family could pay off your debts. It also adds more financial security and brings peace of mind. Sometimes it’s not as much as replacing your income, but instead just covering any funeral and burial costs. The average funeral can be $7,000, and those expenses would have to be out of pocket. No one wants to talk about death, and money can’t replace a person, but knowing your family will be protected does add a lot of security.

Contact Access Insurance Services, serving San Antonio, TX, to get a quote on life insurance.

Tips for Finding an Affordable Commercial Insurance Company

The insurance sector has really come a long way such that you will find many companies offering insurance services. This makes it very hard to get the right quote due to very many offers. Visit San Antonio, TX, to Access Insurance Services. How do you find an affordable commercial insurance company? The following tips will help you get a company that accomplishes your needs depending on the kind of budget you have.

Narrow the options

It is a lot of work trying to analyze all the companies offering commercial insurance. As result, use the elimination method until you are left with about four reputable companies. You can start by eliminating the ones that are expensive and exceed your budget allocation. Secondly, you can visit the companies’ websites to review if there are any customer complaints. Drop the company that has a lot of complaints to avoid future complaints too. After narrowing your options down to one, contact the company directly.

Discounts

Most insurance companies will offer discounts in order to lure customers in. It is, therefore, no surprise that most people will choose the company with a majority of discounts. Discounts will lower the cost of acquiring insurance. Remember that you are putting into consideration what you can afford and there is no harm in choosing this, as long as the company is reputable.

Find an agent

Agents are an easy way to land a great quote. First, you need to be assured that the agent is legit. You can do this by asking your friends and family to propose an agent that they regularly use. This way, you will be assured of doing trustworthy business. Then, you can lure the agent to get a better deal by maybe telling them that a different company has offered a deal. This will prompt the agent to counter the offer. You can visit San Antonio, TX to Access Insurance Services.

 

Why It Is Important To Review Your Home Insurance Policy Annually

A lot can happen with your home in a year. Additionally, a lot can happen around the area. As such, it makes sense for you to review your home insurance policy on an annual basis. By making a call to Access Insurance Services, you can get professional assistance reviewing your policy in San Antonio TX.

Changes to Your Home

You want to make sure that your home insurance policy reflects everything that has happened to your home. For example, if you install a pool, it needs to be included in your policy. If you have added a security alarm, it should be reflected on your policy.

You may not think to make these changes throughout the year. However, reviewing your policy annually gives you a chance to make the changes. Otherwise, if home additions and changes aren’t in the policy when you file a claim, it can pose big problems. It may even prevent your claim from being accepted.

Changes to the Area

A lot may happen around your neighborhood in a year. If a neighbor’s home caught fire, it may show that you need some extra coverage. If there was a lot of flooding, you might want to add additional flood coverage to your policy. Plus, if there were a lot of break-ins, you may want to increase the coverage you have so that all of your valuables are sufficiently covered.

Insurance companies make changes to the way that they calculate premiums, too. If you notice that your home insurance premiums have gone up dramatically, it might be time to compare policies between different companies.

At Access Insurance Services, we are here to help you find policies in San Antonio, TX that make sense for your home, year after year. Talk to an agent today so that you can get help reviewing your policy.

 

 

Tips for Understanding Your Auto Insurance Policy

We go through our lives signing paper after paper, and many times, we don’t even know what we’re signing. From privacy policies to waivers and more, we often fail to take the time to read through the fine print of paperwork to have a good understanding of what we’re signing for. When it comes to auto insurance, though, this is not something you want to take lightly. It is very important that you understand what you’re purchasing and the type of coverage you will receive should you have to make a claim. Access Insurance Services serving the San Antonio, TX area wants you to have a clear understanding of your policy and that’s why we are here to offer two tips for understanding your auto insurance policy. 

Read Through the Entire Policy

There’s a good chance your auto insurance policy is actually several pages long. This is why you should set aside an extended period of time to read through it. It will likely take you anywhere from 30 minutes to an hour or more to actually read through all parts, but once you do, you can rest easy knowing you have a better understanding of the coverage you have. Even better, you may learn about parts of your policy that you were unaware of. 

Speak With Your Agent

The best way to get a better understanding of your auto insurance policy is to speak with your agent. Your insurance agent can explain any unfamiliar terms and will provide you with a crystal clear picture of what your coverage does and does not entail. This person can serve as a go-to resource for any and all of your questions and concerns. 

Contact Us Now

To learn more about auto insurance and how to understand your policy, contact Access Insurance Services serving the San Antonio, TX area. 

What Happens to My Home Insurance Policy When I Move?

Moving can be a long and stressful process for most homeowners in San Antonio, TX. You need to shop for a new home or apartment that will suit your unique needs, sell your old home, pack and travel mentally, emotionally, and physically to your new home. You need to disassociate yourself from your old home and forget about it completely.

This is already a hectic process, but there is something else that you need to consider before moving. What are the insurance implications of your move? What happens to your current home insurance policy from Access Insurance Services when you move? Can you keep your current policy or you will need a new policy? Here is everything that you need to know about your home insurance policy when you move.

What Happens to Your Home Insurance Policy When You Move?

You might be surprised to learn that nothing happens to your current policy when you move. However, you need to accomplish some tasks when moving to avoid invalidating your policy. The first thing that you need to do is to contact your insurance agent and let them know that you are moving to a new home and ask them how this action can affect your policy. Your agent can help you arrange for the cancellation of the old policy and also assist you to transition to your new policy for your new home.

Contacting your insurance agent early enough will also ensure that there are no gaps in your home insurance coverage in San Antonio, TX. You should also be aware of the terms of your policy and how far in advance you had paid. If you had paid in advance, then you will be entitled to some form of refund once the provider cancels your policy. However, it is good to know that you can’t keep your current home insurance policy when you move since your new and old homes are two different properties with different risks.

Contact Access Insurance Services today for your home insurance policy.