What does home insurance in Texas cover?

San Antonio, TX is a thriving city that attracts dozens of tourists. Some visitors love the region so much that they decide to stay. Homeownership begins with responsibility. A good home insurance plan purchased through Access Insurance Services is a great way to prove yourself as an accountable resident. Read on to learn more about how home insurance works in Texas!

What does home insurance in Texas cover?

Home insurance policies in Texas are typically broken down into six categories:

  • Dwelling Coverage

  • Personal Property Coverage

  • Other Structures Coverage

  • Loss of Use Coverage

  • Personal Liability Coverage

  • Medical Payments Coverage

Whereas structural damage is classified as a part of dwelling coverage, furniture, and other personal property is covered under a different part of the plan. Surprisingly enough, a detached garage is not considered as part of the dwelling place and, thus, receives coverage as an “other” structure.

Personal liability and coverage for medical payments involve instances where the homeowner is found at-fault for injuries to another person who was hurt while on the property. Personal liability pays for everything from lawyer fees to lost wages. Medical payments coverage, on the other hand, only covers health care costs related to the injury.

Do you really need home insurance?

It is not required by law that you have home insurance in Texas. Those who pay a monthly mortgage, however, may be required to maintain an assurance policy as part of the contract.

A home is one of the biggest investments you will make while living in San Antonio, TX. Why would you want to let such an asset lack a good indemnity plan? Call Access Insurance Services today to get started with a quote!

What you need to know to get the right multi-vehicle auto policy for your family

In the greater San Antonio, TX area, it can be difficult to get around without a car. When you have multiple family members and everyone has a car, insuring all the vehicles can become a big deal. The team at Access Insurance Services is here to answer all of your questions and provide helpful information about your multi-vehicle auto insurance options. When you are insuring a number of vehicles, it makes sense to carefully review all of your options and then determine which policy or policies are right for your family.

  • Are any of the cars fully paid for? When your car is owned outright and is not attached to a bank loan your options can be different from those available to leased or financed cars and trucks.
  • Is there a family member with a poor driving record that is causing difficulty with your insurance procurement? If you have a "bad driver" in your family the type of policy or coverage amounts that are available to you may be limited. If their record is really making thing difficult, it can sometimes make sense to put them on their own policy.
  • What is the average mileage driven for each of the cars? If you have a car or two that is driven in a limited radius or is only used when another car is out of commission, be sure to let your agent know the distance it is driven each year.

Are you feeling overwhelmed about the insurance that your family needs to protect all of your vehicles? The team at Access Insurance Services is here to provide answers for our friends and neighbors in the greater San Antonio, TX area. Call or stop by today!