Is Home Insurance the Same As Renter’s Insurance?

When living in an apartment it may seem like things like home insurance is something you need not worry about. While traditional home policies are not necessary in apartments, renters policies are a necessity. The real question is, are renters policies the same as homeowner’s policies? For those in the San Antonio, TX area, the agents with Access Insurance Services can help answer all you policy questions.

For starters renters insurance and home insurance are very similar for a few different reasons. Homeowner’s insurance policies are meant to protect both the structure and the contents of the structure. Renters policies protect only contents and the owner of the rental unit is responsible for owning a policy to protect the property.

The main difference is that the renters policy is only going to protect contents. This is a great thing to have however as rental policies do help to protect you if something happens like a break in, fire, or water damage where your belongings are damaged and they need to be replaced. This is the type of policy that you want to have even if you do not own the unit that you are living in as otherwise, youa re responsible for all replacement and repair of items and damages that occur to your property even while in the home.

If you own a home you want to have a homeowner’s policy to protect your property as well as to protect the home so that you can repay the bank and rebuild or move to another home after the home is destroyed. For those that live in the San Antonio, TX area, the agents with Access Insurance Services can help you to answer all your insurance related questions so that you can get the perfect policy each and every time.  

Freelancer Commercial Insurance Options

Being a freelancer in San Antonio, TX has become a popular and attractive way to make a living. No matter what kind of business you run, though, it is important to get some kind of freelancer insurance. Thankfully, there are many options from which you can choose with us at Access Insurance Services.

Liability Insurance

Even if you aren’t part of a larger business, you still owe your clients high-quality work. Liability insurance makes sure that you are covered for those times when you can’t get your work done. For example, a freelance graphic artist can use this type of insurance to protect them if their artwork doesn’t meet the standards they desired and they pursue a lawsuit.

Property Damage Liability

Do you freelance from your home or a coffee shop? That doesn’t mean that property damage insurance isn’t a good investment. What would happen if your laptop was crushed in a car accident on your way to the coffee shop? Your livelihood would be threatened. You can also cover items such as your vehicle, as long as it is part of your business and not just used for personal reasons.

Cyber Liability

A vast majority of freelance workers use the internet for their work. If you don’t protect yourself with cyber liability insurance, you are opening yourself up to serious lawsuits. For example, if your e-business site gets hacked and your customer’s identification information stolen, cyber liability will protect you from being sued.

Getting Coverage As A Freelance Worker

At Access Insurance Services, we will work with you to find great insurance that meets your needs. No matter what kind of freelance work you do in San Antonio, TX, you deserve the peace of mind knowing that your business is fully covered and protected from serious problems.