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. 

Misconceptions about RV Insurance Coverage

As an RV owner, you’ll find Texas the perfect state for RV road trips. There’s so much to see and do, you’ll never run out of sites to explore. The right RV coverage will take the stress out of your travels by providing adequate protection on the road. Working with an Access Insurance Services agent can help you avoid these common misconceptions about RV coverage:

Misconception: Your RV is Protected by Your Auto Insurance

Fact: RVs require their own insurance for protection against accidents and breakdowns on the road. If you plan to hit the road with your RV this summer, we recommend you purchase liability, collision, comprehensive and uninsured motorist coverage.

RV liability coverage is mandatory in San Antonio, TX by law. This insurance covers the medical and property damage expenses of others in accidents you cause. Collision insurance pays for repairs to your RV if you’re involved in a crash. Comprehensive insurance protects your RV from theft and non-collision damage. Uninsured motorist (UM) insurance protects you against uninsured and hit and run drivers.

Misconception: All RV Insurance Policies are the Same

Fact: As an RV owner, you choose the type and scope of RV coverage you want. Liability insurance is required; other types of coverage are optional. If you have a loan on your RV, your lender may require collision, comprehensive and UM coverage to protect his investment. Otherwise, you’ll be assuming responsibility for damage to your vehicle on your own if you choose to forego other types of coverage. 

Misconception: RV Insurance in San Antonio, TX is Very Costly

Fact: RV insurance costs vary depending on the type and scope of coverage you choose. By shopping around and customizing your coverage, you can get the protection you need at a price you can afford. 

For quality RV insurance at reasonable costs, contact Access Insurance Services.

Motorcycle Insurance Add Ons to Consider

Much like your vehicle, there are nearly limitless insurance options for your motorcycle. When riding your motorcycle you often feel one with the bike. It becomes an extension of you as you enjoy the open road. Much like your own body, you will protect your motorcycle. One of the best ways to do this is with appropriate motorcycle insurance. And yet with so many options, you may need help going through the different coverages in order to see which of these insurance options is best. This alone can be a bit of a challenge which is exactly why our staff here at Access Insurance Services is here to offer assistance for all motorcycle enthusiasts in the greater San Antonio, TX area. 

Medical Payments

This is always a recommended option when owning a motorcycle. It helps pay for medical expenses if you’re involved in an accident while riding your motorcycle. 

Personal Injury Protection

PIP for short, is similar to medical payments although it also helps pay for lost wages if you’re unable to work. If you ride your motorcycle on a regular basis you will want to consider either or both coverage options. 

Trip Interruption Coverage

Do you go on longer trips with your motorcycle? Finding a mechanic quickly can be an issue if something comes up. With trip interruption coverage you will be covered for food and lodging.

Find Your Coverage Today

If you’re shopping around for motorcycle insurance let our staff here at Access Insurance Services help you out. We’re here to lend a helping hand, regardless of how often you ride or the kind of bike you own. So if you have questions regarding motorcycle insurance or are ready to begin shopping around, our team here services greater San Antonio, TX and can’t wait to help you out. 

When to Buy Life Insurance in San Antonio

If you’re thinking about life insurance in San Antonio, TX, it may be because you just had something monumental happen in your life. Maybe you got married, had a child, or turned a certain milestone age. Whatever the reason is that you’re thinking about purchasing a policy (or upgrading one that you already have), Access Insurance Services may be able to help you figure out your next move. 

1. When You Don’t Want to Take Chances 

Life insurance can be made to fit your life, meaning you don’t necessarily have to wait for anything major to come. Maybe you want to take care of your parents, your siblings, or your nieces and nephews. Whoever it is you mean to protect, life insurance is a way to help set things right no matter what happens. 

2. When You’re Ready to Save 

Some people take out life insurance more as much for themselves as they do for their loved ones. Many life insurance policies offer a savings component to the plan, offering you utility on top of utility. Not only can you use the policy if you need to down the line, but you’re able to give the people in your life the peace of mind they need in case something happens to you. 

3. When You Feel Ready 

There are few people out there who wouldn’t benefit from life insurance. It’s a proactive, preventative measure that teaches the meaning of planning, something that everyone in San Antonio, TX can benefit from. Once you feel ready for it, Access Insurance Services is here to help you. Give us a call to learn about our policies and which one is right for you. 

Does Commercial Insurance Protect Against Lightning Damage?

If you own a business, chances are, you need commercial insurance of some type. There are many types of commercial insurance ranging from basic general liability to more industry-specific types. In most cases, the standard commercial insurance policy is designed to protect from the unexpected such as weather and storm damage, including lighting.

Lightning Damage

No one knows where or when lightning can strike a structure and cause damage or destruction. In many cases, the building will need repairs to the infrastructure, and the electrical system and office equipment may be damaged too. The best way to protect from losses is to have an adequate insurance policy in place designed for commercial needs. Before making a selection, work with an agent and let them help you assess your needs and then get policy options that work for your scenario.

Working With an Agent

The best way to be informed and get the right type of protection is to work closely with a knowledgeable insurance agent. Make sure to bring all of your important information and documentation to your consultation so they can get an accurate picture of what your situation is currently and maybe in the near future. They will then be able to figure out what policies and providers are a match for you and your company or business.

Residents of San Antonio, TX can rely on  Access Insurance Services to help them get commercial insurance they can count on year-round. 

Don’t take chances with your commercial insurance policy. Call or stop by Access Insurance Services today, serving San Antonio, TX, to get answers to questions and begin the process of finding quality commercial insurance. 

Benefits of Getting Home Insurance in San Antonio

The San Antonio, TX area is a very large metro area that is continuing to grow. With a strong local economy, it can be a great area to own a home. When you are looking to purchase a home in this area, you need to make sure that you get the right insurance in place. There are several benefits that come when you get home insurance in the San Antonio area. 

Property Protection

One of the benefits of getting home insurance in this area is that you will get property protection. Your home could be the biggest asset that you ever own. Due to this, you need to make sure that it is properly covered by insurance. A home insurance policy can provide you with protection for your home as well as all of your personal belongings. 

Liability Protection

Another important form of coverage that you can get is liability protection. As a property owner, there is a certain level of risk you take on whenever you have a guest over. If they are injured while on your premises, you could be deemed liable. Due to this continued risk, you need to have a home insurance policy in place. This will help to ensure you are protected for liability if you are sued. 

If you do invest in your own home in San Antonio, TX, it is very important that you get a home insurance policy. If you are shopping for a new home insurance policy, you should contact us at Access Insurance Services to learn more about how we can help you to get into a great policy. Our team of insurance professionals at Access Insurance Services can review your particular situation and help you get into a policy that provides the right insurance for you and your home. 

What Auto Insurance Is Required In San Antonio?

At Access Insurance Services in San Antonio, TX, we have been offering insurance for several years. To drive your car in San Antonio, you must have insurance. In Texas, you must have bodily injury liability coverage and property damage.

Bodily injury liability coverage

When you damage a third party’s car and probably, cause bodily injuries to the occupants of the car in an accident, this coverage will pay the medical bills.

Property damage liability coverage

When you damage a third party’s car or other property with your car, this coverage will provide funds to repair the property.

However, there are several problems with auto insurance policies. For both coverages, the minimum amount required will not take you anywhere. To enjoy wider coverage you need to raise your limit much more than the required minimum.

Imagine a situation where you cause an accident that affects multiple cars. For instance, if you stop suddenly on an expressway at a time when visibility is poor, it is highly likely that several motorists will run into you one after the other. How much do you think it will cost to fix about four cars and to pay the medical bills of about eight people?

Also, both coverages are for the third party. What about you? Who will repair your car? In an accident, your car may also be damaged and you may also sustain an injury, who will pay your medical bills? That’s why you should also consider other types of auto insurance coverage in addition to the mandatory ones.

Here is another issue to consider. It is our business and we know that some motorists still move on the road without insurance or without adequate insurance. So, if any of such drivers hit your vehicle, how will you handle it? The good news is that we offer insurance coverage for under-insured or uninsured driver liability.

To conclude, the two auto insurance coverages required by law are grossly inadequate. Contact us at Access Insurance Services in San Antonio, TX. We will advise you on all the necessary auto insurance coverages to keep you and your vehicle safe on Texas roads.

Do Motorcycles Need Additional Liability Coverage?

Motorcycle insurance is designed to cover the specific needs of motorcycle riders both out on the road and when they are parked at night. Much like traditional auto insurance, this type of coverage can be liability only or full coverage. The liability part of the full coverage policy works just like a traditional auto insurance policy. If more liability coverage is necessary for a unique situation, an insurance agent can present options.

Unique Insurance Situations for Motorcycle Owners

Not all situations are alike when it comes to motorcycle owners. In some cases, the policyholder may require changes and customization to make the policy fit their specific needs. It is also possible that the state in which the policyholder resides may require additional coverages. The best way to get the right type of insurance policy for each customer is to have them work with a licensed agent who knows the ropes and how to make each option work for the client. 

A Helping Hand

Before buying a motorcycle policy, it is best to seek the expertise of a top insurance agency that has insightful agents who can help you get the coverage you need. Those who currently live in or near the San Antonio, TX area can count on Access Insurance Services to give them the assistance they need to find and purchase a policy that will protect them year-round. Consult with an agent today to see how easy it is to get the right type of policy to protect yourself and others.

Getting great motorcycle insurance is simple and convenient with help from Access Insurance Services, proudly serving San Antonio, TX. Call or stop in today to speak with an agent. 

Preparing RV for spring Travel after storing for the winter

The temperatures are getting warmer and the days are getting longer, which means spring has finally arrived in San Antonio, TX If you are ready to get your RV out of storage and hit the road, there are a few things you must do first to prepare the RV for traveling. De-winterizing the RV isn’t too difficult, but you’ll probably need to devote at least an afternoon to making sure it’s ready for the road. Here are a few tips from Access Insurance Services for preparing your RV for spring travel after storing it for the winter.

Check the Roof

Even while in storage, the temperature changes during the winter may have caused damage to the roof, especially the vent covers or the sealant. Make sure to touch up all seams where the sealant may be questionable and replace all vents that have sustained damage. Remember to inspect the ceiling inside to look for any water that may have seeped in through the roof, also check inside the cabinets that are located along with the ceiling. If the RV is an older model, you may want to consider installing a new RV roof coating.

Check the Tire Pressure & Fluids

Changes in the temperature may cause a slow leak, which is one of the quickest ways to overheat a tire and cause it to blow out. Make sure the tire pressure on all tires, including the spare, are at the pressure recommended by the manufacturer. This is also a good time to make sure all lug nuts are firmly in place and that the tread on the tires is in good condition. After checking the tires make sure to top off all fluids and take the RV in for an oil change.

Sanitize the Water System

After sitting for several months, one of the most important types of spring maintenance you’ll need to do is sanitize the RV water system. Follow the guidelines in your owner’s manual on how to sanitize the water system in your RV.

Before hitting the road, make sure you review your insurance policy and update your RV insurance if necessary.

Residents of San Antonio, TX that are interested in RV insurance policy or updating their current policy should contact Access Insurance Services.