Do I need to get home insurance in San Antonio?

For people that live all over the San Antonio, TX area, owning a home can be a great long-term investment. Those that choose to purchase a home in this area of Texas will enjoy the long-term price appreciation and other ownership benefits. When you are going to purchase a home in this area of the state, you need to get insurance for it. There are a few reasons why you should get this coverage when you are in San Antonio.

You Want to Protect Home

A reason that people in this area of Texas need to get home insurance is that it can protect their home. A home is a very valuable asset that can make up a large portion of someone’s personal wealth. With a home insurance plan, you can protect this investment. With proper home insurance, you will get the coverage needed to repair or rebuild your property.

Coverage is Required

Another reason that you should get home insurance is that it is a requirement. Many people in Texas are required to have this protection. If you live in a home association or have taken out a mortgage, you will likely have insurance requirements. With a full home insurance plan, you can comply with these requirements. 

If you would like to get a home insurance plan in the San Antonio, TX area, it would always be a good idea to get guidance and support from someone that you can trust. The team with Access Insurance Services can help you assess your home insurance needs and pick a new insurance plan. Access Insurance Services is able to do this by answering your questions and building a policy that keeps you in compliance with your requirements and protects your home.

Who needs to get RV insurance?

Those that live in and around San Antonio, TX should always look for great ways to explore the area. With so many parks and fun destinations to visit throughout Texas, owning an RV could be a great option for many. When you are going to get an RV here, you should also get an RV insurance plan to protect yourself. This coverage is necessary for owners and drivers in a few different scenarios. 

Those that Want to Drive Legally

A situation when you will need to have RV insurance will come when you want to drive your vehicle legally. Anyone that is going to drive an RV will need to meet the state’s standards regarding liability coverage. If you do not meet this standard, you will be out of compliance and could face penalties. These penalties can include fines or even restrictions when it comes to your right to drive.

Those that Want to Protect Asset

You will also need to get an RV insurance plan when you want to protect your assets. Anyone that intends to buy an RV will be making a large investment for their future. You can continue to protect this investment with an RV insurance plan. With a full policy, you will get the coverage needed to repair or replace your RV if it is stolen or damaged in the future.

Getting an RV insurance plan in San Antonio, TX is very important. When you are looking for an RV insurance plan here, it would be a good idea to call Access Insurance Services. The insurance professionals with Access Insurance Services understand how valuable this coverage can be. They can then help you to build a policy that will keep you in compliance and properly protect your vehicle.

Do I Need To Carry Insurance On A Car That Won’t Run?

Whether it’s a project car, an old classic you’re going to put together someday, or it just needs a few repairs, you may wind up with a non-running car in your garage, and you’ll be wondering if you are required to carry insurance on it.

The short answer: No, you don’t. At least not in San Antonio, TX. You can go ahead and call Access Insurance Services and cancel your policy until you have that thing back on the road again.

Auto insurance is required by law in order to provide liability protection so that if you cause an accident, the other party is covered. They don’t have to come after you, personally, to have their losses compensated.

That said, if your car isn’t covered, then it’s not covered.

That means that if you drop your insurance and leave your car out in the driveway and it gets stolen or vandalized, you’re not going to have anyone to call to cover the loss.

If you store that old car in the garage, it may be possible to get it covered by your home insurance, but not all home insurance providers will cover a car as a possession. You could also talk to your auto insurer about getting limited protection on your auto so that it’s still covered, but you don’t have to pay for liability insurance that you’re not using.

You have plenty of options in San Antonio, TX, so if you have any questions, get in touch with Access Insurance Services. Whether it’s a project car or your main ride, Access Insurance Services can get you the coverage you need.

Motorcycle Insurance Variables To Consider While Researching Policies

Based in San Antonio, TX, Access Insurance Services offers multiple types of coverage. We help educate our clients so that they can find the right policy for their situation. We proudly serve as an independent agency.

Motorcycle Insurance Variables

During warm summers, many Texas residents enjoy exploring the state on their motorcycles. If you enjoy riding a motorcycle, it is important that you have coverage. Motorcycle insurance protects you and your assets as you ride around San Antonio, TX. You are protected if you are involved in a collision or if your motorcycle is stolen or vandalized. You are also covered if your motorcycle is damaged due to a fire or natural disaster. Liability coverage protects you if your motorcycle injures someone or causes damage. Here are some important variables to consider while researching policies.

Additional Coverage

You can add extra coverage to your policy to protect you in unique situations. Comprehensive coverage protects you if your motorcycle is damaged due to inclement weather or if you collide with an animal. You can add uninsured motorist coverage to protect you if you are involved in an accident with another driver who does not have coverage. If you make any upgrades to your motorcycle, you’ll have to amend your policy to cover you if those are damaged.

Motorcycle Type

The type of motorcycle coverage that you need depends on the motorcycle that you have. If you have a high-speed motorcycle, you’ll probably need a more comprehensive policy because operating it comes with a lot of risks. If you have a valuable motorcycle, consider adding storage coverage. Accidents can happen at any time. Something could go wrong even while you aren’t using your motorcycle. With storage coverage, you will be protected if the unit accidentally catches on fire and your motorcycle is damaged.

Access Insurance Services Will Help You Enjoy The Open Road

Visit our website today to learn more information about motorcycle insurance.  

Why do people need to get life insurance?

The San Antonio, TX area can be a great place to live. Those that do choose to call this area of Texas home will have many different personal insurance needs. Life insurance is an important form of personal protection that people should think about getting. There continues to be a few reasons why the average person in Texas will need to get a life insurance policy. 

Life Insurance Offers Financial Protection to Dependents

The primary reason that anyone will want to get a life insurance plan is so they can offer financial protection to their dependents. If you were to pass away those that rely on you and your source of income could be in financial stress unless you have a plan in place. With a life insurance plan, you will be able to give protection that will ensure they can be cared for in this situation.

Life Insurance Offers Investment Option

You should also consider getting a life insurance plan as it can offer an investment benefit. If you obtain whole life insurance, some of your monthly payments will build up in an account that could be liquidated in the future. The account will grow in value over time with contributions and interest. This makes it a smart addition to your personal investment plan. 

If you are going to get a life insurance policy in the San Antonio, TX area, you will want to know that you are making a good insurance selection decision. The team with Access Insurance Services can help you choose a plan that will ensure you remain properly covered and protected. Access Insurance Services is able to do this by carefully assessing your situation. They can then help you choose a policy that will meet your needs. 

The Benefits of Commercial Insurance for Your Business

For many people across San Antonio, TX, owning a small business is a great way to earn a living but there are several risks involved. To mitigate some risks, having a quality commercial insurance policy can be beneficial for you and your business in the long run.

Commercial insurance offers business owners peace of mind. Having protection against liability, you gain confidence in knowing that your business is protected from multiple scenarios and you can focus on what truly matters – running a successful business.

Not only does commercial insurance offer peace of mind, but it also helps to build credibility. Having insurance shows potential customers that you are credible and it builds trust. Customers will feel safe knowing if anything goes wrong, they are protected. Not only will it build trust with customers, but it will also help to attract and retain qualified employees. Having worker’s compensation can protect employees if they are injured on the job. This type of policy can cover medical and salary-related benefits for the employee. Any business with employees will need a workers compensation policy.

If your business uses route drivers or contract vehicles, you may need commercial auto insurance. This type of policy is similar to a typical auto insurance policy but strictly for business purposes only.

In San Antonio, TX, business owners can use an agency like Access Insurance Services. Access Insurance Services has the ability to provide a number of quotes all at once, helping you save time and money. Let Access Insurance Services help you choose the best commercial policies that will protect your business. Call us today for a consultation to begin the process of finding quality commercial insurance.

Things that are excluded by home insurance

Have you ever read your home insurance policy? Have you ever checked out the exclusions listed on your policy? If you answered no to one or both of these questions, don’t be embarrassed, you are not alone. Most people never read their policy. It may come as a shock when a claim is filed what hazards aren’t covered. If you live in San Antonio, TX  or the surrounding area Access Insurance Services is locally owned and operated and committed to the highest customer service possible. 

Floods

Considering how prevalent floods are it’s shocking to realize home insurance doesn’t cover flooding caused by surface water. If you have a broken pipe that floods your home, that would be covered. But when it comes up from the ground, not so much. Flood insurance is available through the National Flood Insurance Program. If you live in an area where flooding can be a problem, your mortgage holder may require that you purchase it. 

Earthquakes/mudslides/sinkholes

These are all considered earth movement and earth movement is not covered with a traditional home insurance policy. You can buy a separate insurance policy or an endorsement to give you the protection you need. 

Owner neglect

Insurance companies expect that as the owner of the home, you will maintain it. You are responsible for replacing an aging roof or crumbling walkway. If you end up with termite or carpenter ant damage, it is on you. As the homeowner, you should have gotten pest treatment. If neglect is noticed in an inspection, the insurance company can require you to make the repair or lose your insurance. 

Expensive art or jewelry

Your policy has limits on the amount it will pay for jewelry or art. You will only collect up to the limit of your policy. You need to increase the limit for adequate coverage. 

Contact Access Insurance Services in San Antonio, TX to discuss your home insurance requirements. 

Importance of Auto Coverage for Texas Drivers

When you drive a car, there’s always the risk of accidents. Even minor accidents can be costly due to injuries or property damage they cause. Auto insurance from Access Insurance Services protects you against road mishaps that can put a big dent in your budget. Here’s why auto insurance is so important to San Antonio, TX drivers.

Accidents Can Derail You Financially

A serious auto accident can totally derail your finances. Between paying for injuries and property damage, you could suffer substantial financial loss. Auto insurance provides financial compensation for medical expenses and vehicle repairs so you don’t have to pay for everything out of pocket. A policy from Access Insurance Services can provide you with the following coverage to protect your assets:

  • Collision – to cover damage to your vehicle caused by crashes
  • Comprehensive – to protect you against vehicle theft and non-collision damage to your car
  • Uninsured motorist – to cover damage to your vehicle caused by drivers with no insurance coverage
  • Medical payments – to cover your medical costs if you are injured in an accident

A well-rounded auto insurance policy in San Antonio, TX will safeguard you against any eventuality on the road.

Fulfills Texas Auto Insurance Requirements

Auto liability coverage is mandatory in the Lone Star State. Driving without it could lead to being fined or suffering penalties. Liability insurance covers injuries and damage to others in accidents that are your fault. It also covers your legal fees if you are sued for damages. Texas requires that you carry minimum liability coverage. To protect you against serious accidents, however, we recommend you purchase as much of this coverage as you can afford.

Auto insurance offers an affordable, practical means of protecting your assets against accidents. To purchase a policy, call your Access Insurance Services agent today. 

3 Reasons You Need Motorhome Insurance in San Antonio, TX

Owning a motorhome in San Antonio, TX gives you freedom. It’s just you, your loved ones, and the open road. Doesn’t it make sense, then, to protect this valuable asset from any unforeseen events? At Access Insurance Services we think so, and that’s why we’ve put together this short, yet handy, list of three reasons why you need motorhome insurance. Read on to learn more.

1. It’s Mandatory

If your home on wheels is mortgaged, you’ll need full coverage motorhome insurance. Since the bank uses the motorhome as collateral in case you can no longer make payments, they’ll want this asset fully protected, You’ll need this insurance before you can register your motorhome.

2. Liability

Driving a motorhome is just like driving any other vehicle, which means it is also susceptible to accidents. While you never anticipate getting into an accident with your motorhome (you keep it parked) accidents still happen. Someone could hit your parked motorhome with their vehicle, for example. If the other driver doesn’t have insurance or is underinsured, your motorhome insurance will kick in to cover the costs. Otherwise, you’ll be paying out of pocket, which can get expensive quickly. 

3. Peace of Mind

Whether you spend countless nights or not in your motorhome, go to sleep knowing you’ve done the responsible thing by getting your motorhome insured in San Antonio, TX. The friendly and reputable agents at Access Insurance Services can help.

To learn more about motorhome insurance, contact our friendly team today. Our agents are available to answer your questions, compare quotes, and bundle policies. We can be contacted online or by phone.

3 Reasons to Buy Extra Coverage for Your Rental RV

In San Antonio, TX, the agents of Access Insurance Services can provide additional RV coverage if you choose to rent a motorhome for your next vacation getaway. While the rental agency will provide some of the coverage you need, purchasing additional coverage will make sure you have the coverage you need to reduce your risk of financial loss.

Picks Up Where Rental Policies Leave Off

Purchasing additional coverage ensures that you are protected if something happens while you are on vacation. It picks up where the original RV policy leaves off. While the rental company’s policy provides sufficient coverage, your additional coverage will take care of any costs that aren’t covered.

Adds Extra Liability

A rental policy will only cover minimal liability. Purchasing additional liability coverage is a good idea, especially if you go camping with friends. Liability can be very costly if someone is injured. Having additional coverage ensures that you will not have to stress over the excessive financial loss.

Covers Your Personal Possessions

The policy from the rental company will not cover your personal possessions. Purchasing your own policy ensures that all of your property is covered as well. The additional cost for extra coverage is well worth the cost if it protects your property.

The agents of Access Insurance Services can provide additional coverage to individuals living in the San Antonio, TX area. Additional coverage for RVs will help to protect you from financial loss so that your vacation isn’t ruined. if an accident occurs. Call and speak to one of their reputable agents as soon as possible. This will give you the peace of mind you need to relax while you are on vacation.