5 Facts About Home Insurance

San Antonio, TX is among the most populated cities in the United States. Such a populous city has a sizable number of homeowners. Access Insurance Services specializes in providing you with an advanced solution to all your home insurance needs.

Very often, homeowners buy insurance but are not able to enjoy the full benefits due to lack of information. The following are five facts about home insurance everyone must know. 

What is covered?
The standard home insurance policy covers the following:
•    Building structure 
•    Damages to third parties 
•    Personal property
•    Additional structures on the property

Building Structure
The policy pays for repair or rebuilding of the actual physical structure, which is the house if damaged by natural disasters, fire or vandalism. 
The structure also includes attached structures and detached ones such as the garage and the fence. 

Liability
When you have a visitor and is accidentally injured in your house, the policy covers their medical expenses. If they sue, the policy covers losses arising from the lawsuit as well.

Personal property
The home insurance also covers personal property in the house ranging from expensive electronics to jewelry. They could be stolen or damaged by a fire. The policy includes repair or replacement costs.

When Coverage Limit is exceeded
It is prudent mentioning that home insurance coverage has limits. If the threshold of coverage is exceeded, you may have to dig deep into your pockets. However, you can get umbrella insurance policy to safeguard you from such massive losses. 

Home insurance is essential for homeowners in San Antonio, TX. It not only protects you from financial losses but also visitors and family. More importantly, it helps you repair items that you worked so hard to acquire in case of damages. For more information, get in touch with Access Insurance Services

Turning Over a New Leaf in 2018: Tips for Better Driving

There are plenty of tips out there about being a better driver, but they likely all run together at a certain point. Yes, you should pay attention, yes you should be driving according to the posted signs, no you probably shouldn’t try to outrun a cop if they happen to turn on their bright lights. But what does being a better driver in 2018 mean for you? Access Insurance Services helps drivers with our auto insurance coverage, but we want to take it a step further. 

Eliminate Your Blind Spot 

Did you know that by readjusting your mirrors, you can eliminate your blind spot entirely? There’s a lot of theories out there, but essentially you need to push out the mirrors so you can’t see the side of the cars at all. The rearview mirror will give you coverage in back, and the side mirrors should now should you everything (including whatever happens to be in your blind spot.)

Turn on Your Headlights 

It may be a good idea to keep your headlights on at all times in an effort to increase your visibility on the road. Anything from fog to clouds can obscure your vehicle until it’s too late. If you live in San Antonio, TX, you’re certainly used to a lot of sunlight. However, getting into the habit can be a good way to mitigate any potential accidents you may get into. 

Access Insurance Services serves the people of San Antonio, TX, and we’re happy to help you find ways to be a better driver. Part of that is getting better auto insurance that will keep you covered no matter what happens on the road! Give us a call today to learn more about how we can help!