Month: October 2021

How Fall Cleaning Impacts Home Insurance Policies

Posted on by AgentInsure

Access Insurance Services is an independent agency. We strive to help our clients find the coverage they need to protect their assets. We have great working relationships with multiple carriers throughout San Antonio, TX. This allows us to offer versatile policies designed to meet both short term and long term needs.

How Fall Cleaning Impacts Home Insurance Policies

Your San Antonio, TX home is one of your most valuable assets. Home insurance is a layer of protection that covers you if a disaster arises. Home insurance covers the interior and exterior of your home against possible damage. All of your personal items inside the home are covered if someone steals or vandalizes things. Liability coverage is an important part of your policy. You are covered if you invite guests to your property, and they suffer an injury. Liability coverage also protects you if you cause damage to your neighbor’s property.

The fall is a popular time for people to perform regular maintenance on their home. Landscaping can help you avoid a potential liability dispute. Cut long tree branches that could possibly snap and cause damage to your property, as well as your neighbors. Check the condition of your pipes. If your pipes are starting to erode, that can cause major problems throughout your home. Replace deteriorating pipes to avoid potential water damage. Check your window panes. Faulty windows are vulnerable when inclement weather moves through the area. Texas is prone to sever weather, so you should work to minimize the threat a tornado damaging your home. It’s also a good idea to inspect the roof of your home.

Make sure that you have proper lighting. You want to avoid a possible situation where a mail worker gets injured on your property due to poor lighting and other possible hazards.

Access Insurance Services Will Help You Protect Your Investment

Visit our website to learn more information about home insurance.

Do all people in San Antonio need auto insurance?

Posted on by AgentInsure

The San Antonio, TX area has continued to be a growing part of the state. Those who choose to move here will want to own a car so they can get around efficiently. When you are choosing a new vehicle, you also need to choose a new auto insurance plan. You need to have this type of insurance for several reasons when you are here. 

Needed to Comply with State Law

A reason people in this area of Texas will need auto insurance is so they can comply with state law. If you are going to purchase a car and drive in Texas, you will need to carry liability insurance. This coverage provides the protection you need to cover damages that you could cause in an accident. If you do not continue to carry this insurance, you will be in violation of the law and will face various penalties. 

Coverage Needed to Meet Lender Standards

You also will need to have an auto insurance policy to comply with your auto loan provider’s standards. When providing an auto loan, your lender will be counting your vehicle as collateral for the loan. To ensure the collateral is protected, they will require you to obtain collision and comprehensive coverage. If you do not have this coverage at all times, you will violate the loan agreement.

As you are assessing your auto insurance needs in the San Antonio, TX area, you should call the team with Access Insurance Services. There are always going to be a lot of choices to make when looking for coverage and Access Insurance Services can make it easier for you. They are able to help by giving the support you need to understand your needs and options and build an appropriate plan.