For most people living in a home in San Antonio, Texas, the need for homeowners insurance is critical. Yet, there are many people who own a vacant property that may not be sure if they need comprehensive insurance on the home. Before you decide to cancel a policy or go without, consider a few key things.

In most situations, no matter if the property is commercial or residential, the need is to protect it from any type of risk that may occur. This may be risks such as fire, vandalism or weather events. Just because the building does not have anyone using it, does not mean these risks are still not present. Unused property is still valuable and, as a result, it should have proper coverage in most situations.

For those properties in Bexar County, Comal County, or any of the surrounding area, having insurance is often necessary. This is especially true if the property is under a mortgage. Both residential and commercial mortgage lenders often require mortgage borrowers to maintain full coverage protecting the real estate while it is under a loan.

When in need of vacant home insurance policies, our independent agents at Access Insurance Services are ready to help you. Our comparative analysis tool allows you to compare product options quickly. You can choose from a range of products, providers, and coverage levels. For those in Texas, call our independent agent today to discuss any risks to your property and how to properly obtain coverage for them. You’ll get fast answers and clear advice on the policy options that fit your needs. Call Access Insurance Services today or use our online comparative tool to gather competitive quotes to keep you adequately insured.

Commercial auto insurance is designed to cover the cars and trucks used for business purposes in San Antonio, TX. Its coverage is similar in many ways to the coverage you have for your personal car, although it may also differ in a few ways. Both types of coverage should include bodily injury and property coverage that meets Texas’s state minimums, which are the same for personal and commercial vehicles. However, although what must be covered and how much it needs to be covered for are the same, the prices for commercial vs. personal policies can be different. Commercial insurance can cost more because company cars are used frequently by various drivers. It can also cost more if you decide to have full coverage or high coverage amounts.

Commercial insurance largely differs from the insurance on your personal car in that it is designed to cover vehicles that are being used for business purposes and being driven by various employees, rather than vehicles that are driven by a single owner or family members for commuting or recreation. Because company cars and trucks may get driven more often and over more miles than personal vehicles, it’s not unreasonable for insurance providers to charge more for commercial coverage. If you want to compare your commercial insurance coverage costs to the rates available for personal vehicle coverage, the online quote comparison tool available from Access Insurance Services can show you what the rates for personal auto insurance on your cars and trucks would be.

More differences between commercial and personal coverage occur if you, as a business owner, decide it makes sense to choose certain options for your company cars but not your personal car. For example, you might want full coverage for you company cars and trucks so that you could replace them if they are totaled, even if you only have liability on your personal car for a limited amount of money. It depends on what you think is necessary for your business. As an independent agent, a member of Access Insurance Services can help you evaluate your options and get your company cars and trucks appropriately covered. Give us a call today.