Do Home and Auto Insurance Need Separate Umbrella Policies in San Antonio, TX?

Most types of insurance are very specific about what they cover. You have options for health, auto, commercial, life, disability, and renters insurance just to name a few. Each one is a separate policy. Access Insurance Services offers all of these policies in San Antonio, TX, but we also offer a single policy that covers every aspect of your financial life–umbrella insurance policies. 

When It Rains It Pours–Umbrella Insurance Policies Have You Covered

Insurance policies have liability limits. For example, you may have a homeowners’ policy that covers $5,000 of electronics but after a theft or fire occurs you may have even more in damages than that. This is where your umbrella insurance policy takes care of the extra costs not covered. 

Basically, umbrella insurance functions as a liability insurance. The main job of this policy is to protect you against further lawsuits. For example, an auto insurance policy often only covers up to $500,000 at the most but an auto accident can easily add up to millions in damages. Your umbrella policy stops any major lawsuits or seizure of your assets.

Umbrella policies can also protect you from being sued for damage due to an accident while on vacation or at work. 

Quick List of Damage Covered by Umbrella Insurance

  • Legal Fees – Your policy will cover fees for a lawyer, but without an umbrella policy, you could have your assets seized and never make it to court even when you know it’s not your fault.
  • Property Damage – An umbrella policy will cover damage that occurs to other properties. This could happen in the form of a car crashing through someone’s house. Or maybe your toddler knocks over an antique Waterford vase. These are just a couple of examples of property damage that are covered by umbrella policies.
  • Bodily Injury – Several reasons exist for the need for an umbrella policy. Sometimes you may have excessive medical bills in an auto accident. You could be walking your dog and someone is bitten, which wouldn’t be covered by homeowner’s policy. Umbrella insurance covers these extra things. 
  • Other Kinds of Legal Damages – Other types of legal damages covered under umbrella insurance are slander and libel.

Umbrella Insurance Policies in San Antonio, TX

Give Access Insurance Services a call or check out our blog for further reading. We will help you with unbiased and thorough information on the right umbrella policy for you. 

Ways to Lower Your Home Insurance Costs

The price you pay for home insurance in San Antonio, TX, can vary depending on different factors.

Raise Your Deductible: A deductible is what you pay toward a loss before the insurance company pays the claim. The higher the deductible, the more money you save on your premiums.

Don’t Confuse Rebuilding Costs with What You Paid for the Home: The land under the home isn’t at risk from windstorms, theft, or fire so you don’t want to include its value when determining how much insurance to get. If you do then you will pay higher premiums.

Bundle Your Policies: You may be able to get a discount in San Antonio, TX, from your insurance company if you bundle your home and auto policies.

Make the Home More Disaster-Resistant: Find out from an agent at Access Insurance Services what you can do to make your home more resistant to natural disasters. You may be able to save money by getting stronger roofing materials or modernizing your electrical, heating, and plumbing systems.

Improve Home Security: You can typically get discounts if you install smoke detectors, deadbolt locks, or alarms. Before you buy a home security system, find out what kind of device your insurer recommends and how much it can save on your premiums.

Have Good Credit: Establishing a good credit history can help with your insurance costs. To work on your credit score you should pay bills on time, keep balances on credit cards as low as possible, and don’t get more credit than you need.

Stay with the Same Insurance Company: If you have kept coverage with the same insurer for years, you may get a discount.

Review Your Policy Yearly: You want a policy to cover additions or major purchases. However, you don’t want to have more coverage than you need. If your belongings aren’t worth what you paid anymore then you may need to reduce or cancel your rider or floater.

Contact Access Insurance Services to get a quote on home insurance. 

 

3 Unexpected Hazards Motorcyclists Face

The agents of Access Insurance Services provide motorcycle insurance for riders who live in San Antonio, TX and the surrounding communities. They work diligently to keep their clients aware of hazards they may be confronted with while riding on Texas highways.

Grass Clippings on the Road

Homeowners who blow their grass clippings on the road when they mow their lawns. The grass can make the roadway slippery, causing a motorcyclist to lose control and crash their bike. Always be aware of the road conditions and if grass clippings are spotted, proceed with extreme caution.

Grooved Pavement in Construction Zones

Grooved pavement that is often found in construction zones can make it difficult to control the steering while riding a motorcycle. Signs are often present but if they are not and you are entering a construction zone, be aware!  Maintain a slow speed and try to find pavement that is smooth and easy to travel on.

Distracted Drivers

Distracted drivers are causing more and more accidents each year. Some statistics say that the most common age for distracted drivers is between 18 and 24 years of age. It is also estimated that most vehicle/motorcycle crashes that involve a fatality are caused by a distracted driver who is on their cellphone or who have taken their eyes off the road.

In San Antonio, TX, the agents of Access Insurance Services are always available to talk to their clients about their current motorcycle coverage and possible risks they may face when they go out for a ride. Don’t delay! Call and talk to an agent today to find out how you can travel safer and reduce your exposure to risks you may experience during your travels.

What Is Covered With RV Insurance?

Owning an RV in San Antonio, TX can make it easy to embark on all sorts of different adventures. Before you take to the roads, it is a good idea to explore RV insurance. To ensure that you have all of the coverage that you need, you can work with us at Access Insurance Services.

Liability Coverage

When you buy an RV insurance policy, it is going to provide you with liability coverage. This ensures that, if you get into an accident where you are to blame, coverage is in place to take care of property damage as well as injuries of the other party.

There are various levels of coverage, and much of it is going to depend on what type of RV you have. If you have a motorhome where the engine is self-contained within the RV, you will need to meet state requirements for vehicles. Otherwise, if you simply have a trailer, the liability levels are completely optional.

Adding Coverage

Buying an RV is a considerable investment. As such, you want to make sure that you are doing everything you can in order to protect that investment. This is why it’s so critical to pay attention to what is and isn’t covered with RV insurance. 

Most things can be covered, especially if you choose various add-ons. This is when it can be particularly beneficial to work with an independent insurance agent. We can ensure that your policy is custom-built to include coverage for vandalism, theft, and so much more. In the event that something happens, you can relax knowing that you can file a claim with the insurance company.

We have worked with a number of people throughout San Antonio, TX. Contact us at Access Insurance Services today to learn more about how to be sufficiently covered with RV insurance.

3 Tips for Buying Life Insurance in San Antonio, TX

Having a life insurance policy in place is one way to protect your family after you pass away. In fact, it’s one of the most important ways.

A life insurance policy helps with your family’s living expenses, your burial expenses, paying off debt, helping with college tuition, if needed, and more. If you don’t have a life insurance policy, now is the time to get one. Access Insurance Services has put together three quick tips to help you get started.

1. Compare Several Quotes

It’s recommended that you compare many life insurance quotes before deciding to sign on the dotted line. Go over each policy in fine detail, comparing benefits and costs as well as any other concerns you may have. A reputable agent from Access Insurance Services can help you with this process.

2. Bundle Your Insurance Policies

Chances are you already have a few insurance policies in place, such as auto, home, umbrella, commercial, and others. When you bundle all these policies, along with your life insurance policy, under one insurance carrier, you will receive a discount on your premiums. 

3. Work with a Reputable Agent

To find the right life insurance policy at the price you want to pay, work with a reputable insurance agent who is friendly, experienced, and who answers all your questions and concerns. 

To learn more about the benefits of a life insurance policy in San Antonio, TX, contact us today. One of our trusted agents will help you compare quotes, bundle your policies, and find you the best insurance company to work with. Our agents are standing by, so give us a call today.  

Protect Your Legal Firm With Commercial Insurance

As a lawyer operating out of San Antonio, TX, you need high-quality insurance to protect yourself and your business. We at Access Insurance Services can provide you with many of these policies, which we’ve outlined below to help make your insurance shopping decision easier.

Lawyers Need Commercial Insurance

Though it may not be immediately apparent, you need high-quality insurance to protect your legal business. Lawyers often run into a myriad of situations that can make protection necessary. Working in such a high-stress field and with such a large number of people can make it nearly impossible to avoid running into these complications from time to time.

Types of Insurance to Consider

Legal professionals will need a variety of insurance types to ensure that they are protected. The most common of these is a general liability. This type helps to protect you from lawsuits brought forth by unhappy clients. For example, they may claim that they were injured while at your facility or that you did not protect their rights while working for them.

If you have an office, you should also have property insurance to keep it safe from damage. This coverage will protect a variety of elements, such as your law library, office furniture, and essential legal records. Typically, this type of insurance protects against problems like floods and fires. Just as importantly, you should make sure that you have business income insurance that helps you in case you can’t practice law for any reason.

Getting the Help That You Need

So if you need help with commercial insurance in San Antonio, TX, please don’t hesitate to contact us at Access Insurance Services today to learn more. Our professionals will sit down with you and find a coverage plan that works the best for your needs and ensure that you are fully protected and safe.

Adding a Teenage Driver to Auto Insurance

Teenagers, as they get nearer to the age when they can get a driver’s license, usually get very excited about it. Parents of those teenagers have the opposite reaction. To be prepared, work with your insurance agent at Access Insurance Services, serving San Antonio, TX and the nearby area. Make sure you have auto insurance coverage in place before you let the teen drive, even while driving on a learner’s permit and you are supervising their training.

Do you have more than one vehicle?

If you have more than one vehicle, ask your agent to give a quote for adding the teenager on the auto insurance policy for the older, less valuable, vehicle and then compare the quote to the other one. Make sure if you only get insurance for your teenager on one of your vehicles that the teenager cannot drive any other vehicle you own if they are not an authorized driver on the policy for that auto.

Should you let a teen drive alone?

The statistics are not very encouraging. The NHTSA reports that teen drivers are three times more likely to get in an accident than an older driver. Distracted driving, when talking or texting on a mobile phone, is a serious cause of many accidents.

A teen driver of a car full of other teens is easily distracted by the passengers. Reckless teen driving is common. Another major risk is driving under the influence of drugs or alcohol. For all of these reasons, auto accidents are the leading cause of teenage deaths.

Summary

Most adult drivers started driving when they were teens. It is a challenge that we all face. First, learning to drive, making mistakes, and then becoming a safe driver. Have an open, honest, heartfelt conversation with your teen about the risks.

To get a quote for adding your teenager to the auto insurance policy, call your agent at Access Insurance Services in San Antonio, TX at 210-499-5433. If you already have an account you can also login to your account and add a driver to your auto policy online.

Does Home Insurance Cover Electronics?

Home insurance covers many things and it helps to make sure that if there is something that happens to your home, you can recover. Your home policy covers a ton of different things and taking the time to find out what they are can make a huge difference in the overall comprehensiveness of your policy. For those in the San Antonio, TX area, the agents with Access Insurance Services can help you to find the policy that works for you.

Home insurance covers a set amount of money to recover or replace the contents of the home. For the most part, this is a sum that is predetermined and that is around $25,000 for the contents of a standard home. This means that you can replace anything you want with that set sum of money. If you have a special collection, you have something that is very expensive, you have something that is very valuable, you are going to want to either take out a separate policy on those items or you are going to want to make sure they are listed specifically on your home policy. A great way to do this is to have your insurance company help you make an inventory of these items so that they can be properly cataloged and the appropriate value can be assigned to the contents clause of your home insurance policy.

This is not something that every homeowner needs to do but if you have items in your home that are very valuable, that are expensive, or that are hard to replace, you certainly want to make sure that you have specific and added coverage if needed in your policy for these items. For those that live in the San Antonio, TX area, the agents with Access Insurance Services can help you find the policy for you.  

What Does Motorcycle Insurance Cover?

For many people, motorcycles represent freedom and the joys of the open road.  Having the right motorcycle insurance can keep you covered every time that you head out.  The law requires that you have minimum liability insurance. A more comprehensive policy will provide you with better cover, though.  Also, check with your lender’s requirements if the motorcycle is financed.  Many times, lenders will require certain levels of coverage. Regardless of your situation, it is important to understand all of the insurance options that are available. The team at Access Insurance Services serve the needs of motorcycle owners throughout the San Antonio, TX area. They can address any questions that you may have. 

When you visit, they will discuss the coverage that a minimum liability policy provides. In simple terms, if you are in an accident and found to be at fault, the policy will cover the repairs and medical expenses needed by the other person.  If they decide to sue, it will also cover their legal fees. Minimum liability policies, however, will not cover any of your medical expenses or repair costs.  Another point to consider is that a minimum liability policy will out pay for a defined amount. If the medical or repair costs exceed that limit, you will be held responsible for the overage. 

The team at Access Insurance Services want you to have the best coverage possible for your motorcycle in the San Antonio, TX area. They will show you more comprehensive and collision insurance options that fit your lifestyle. They are ready to answer your questions and give you options. Your bike is an investment that needs to be protected should you ever been in an accident.  Visit their website for information to get started, then visit their offices for the coverage you need.

How is RV insurance different from regular auto insurance in San Antonio, TX?

An RV is a unique vehicle that can both function as a mode of transportation and home while it is stopped. Because of this dual purpose, insurance coverage for RVs has some differences from both cars and homes. Access Insurance Services provides unique options for RV owners that may not be available from all standard insurance providers. 

RVs are required to have basic liability coverage while they are driven on the roads, just like any other vehicle. Owners may also want certain coverage options that protect against lawsuits, theft, damage, and other accidents that can happen to homes. As a general rule, RV insurance liability coverage amounts are also higher than they are for regular cars due to the possibility of more passengers being carried inside. It is also important that you have a separate policy just for your RV that is unrelated to homeowners or auto coverage, as agencies that offer RV insurance should treat this as a specialty that is different from standard bundled insurance options. This is because factors such as where the RV is parked while on vacation and the condition of the appliances inside are all relevant to insurance coverage, and the owner should be protected in all of these kinds of situations that would not normally occur with a home or car. RVs also contains a number of fixtures and retractable items that can potentially be damaged. 

Make sure your RV is covered today

If you need coverage in the San Antonio, TX area, an agent from Access Insurance Services can offer a number of different options for your RV.