Why do people need to get life insurance?

The San Antonio, TX area can be a great place to live. Those that do choose to call this area of Texas home will have many different personal insurance needs. Life insurance is an important form of personal protection that people should think about getting. There continues to be a few reasons why the average person in Texas will need to get a life insurance policy. 

Life Insurance Offers Financial Protection to Dependents

The primary reason that anyone will want to get a life insurance plan is so they can offer financial protection to their dependents. If you were to pass away those that rely on you and your source of income could be in financial stress unless you have a plan in place. With a life insurance plan, you will be able to give protection that will ensure they can be cared for in this situation.

Life Insurance Offers Investment Option

You should also consider getting a life insurance plan as it can offer an investment benefit. If you obtain whole life insurance, some of your monthly payments will build up in an account that could be liquidated in the future. The account will grow in value over time with contributions and interest. This makes it a smart addition to your personal investment plan. 

If you are going to get a life insurance policy in the San Antonio, TX area, you will want to know that you are making a good insurance selection decision. The team with Access Insurance Services can help you choose a plan that will ensure you remain properly covered and protected. Access Insurance Services is able to do this by carefully assessing your situation. They can then help you choose a policy that will meet your needs. 

The Benefits of Commercial Insurance for Your Business

For many people across San Antonio, TX, owning a small business is a great way to earn a living but there are several risks involved. To mitigate some risks, having a quality commercial insurance policy can be beneficial for you and your business in the long run.

Commercial insurance offers business owners peace of mind. Having protection against liability, you gain confidence in knowing that your business is protected from multiple scenarios and you can focus on what truly matters – running a successful business.

Not only does commercial insurance offer peace of mind, but it also helps to build credibility. Having insurance shows potential customers that you are credible and it builds trust. Customers will feel safe knowing if anything goes wrong, they are protected. Not only will it build trust with customers, but it will also help to attract and retain qualified employees. Having worker’s compensation can protect employees if they are injured on the job. This type of policy can cover medical and salary-related benefits for the employee. Any business with employees will need a workers compensation policy.

If your business uses route drivers or contract vehicles, you may need commercial auto insurance. This type of policy is similar to a typical auto insurance policy but strictly for business purposes only.

In San Antonio, TX, business owners can use an agency like Access Insurance Services. Access Insurance Services has the ability to provide a number of quotes all at once, helping you save time and money. Let Access Insurance Services help you choose the best commercial policies that will protect your business. Call us today for a consultation to begin the process of finding quality commercial insurance.

Things that are excluded by home insurance

Have you ever read your home insurance policy? Have you ever checked out the exclusions listed on your policy? If you answered no to one or both of these questions, don’t be embarrassed, you are not alone. Most people never read their policy. It may come as a shock when a claim is filed what hazards aren’t covered. If you live in San Antonio, TX  or the surrounding area Access Insurance Services is locally owned and operated and committed to the highest customer service possible. 

Floods

Considering how prevalent floods are it’s shocking to realize home insurance doesn’t cover flooding caused by surface water. If you have a broken pipe that floods your home, that would be covered. But when it comes up from the ground, not so much. Flood insurance is available through the National Flood Insurance Program. If you live in an area where flooding can be a problem, your mortgage holder may require that you purchase it. 

Earthquakes/mudslides/sinkholes

These are all considered earth movement and earth movement is not covered with a traditional home insurance policy. You can buy a separate insurance policy or an endorsement to give you the protection you need. 

Owner neglect

Insurance companies expect that as the owner of the home, you will maintain it. You are responsible for replacing an aging roof or crumbling walkway. If you end up with termite or carpenter ant damage, it is on you. As the homeowner, you should have gotten pest treatment. If neglect is noticed in an inspection, the insurance company can require you to make the repair or lose your insurance. 

Expensive art or jewelry

Your policy has limits on the amount it will pay for jewelry or art. You will only collect up to the limit of your policy. You need to increase the limit for adequate coverage. 

Contact Access Insurance Services in San Antonio, TX to discuss your home insurance requirements. 

Importance of Auto Coverage for Texas Drivers

When you drive a car, there’s always the risk of accidents. Even minor accidents can be costly due to injuries or property damage they cause. Auto insurance from Access Insurance Services protects you against road mishaps that can put a big dent in your budget. Here’s why auto insurance is so important to San Antonio, TX drivers.

Accidents Can Derail You Financially

A serious auto accident can totally derail your finances. Between paying for injuries and property damage, you could suffer substantial financial loss. Auto insurance provides financial compensation for medical expenses and vehicle repairs so you don’t have to pay for everything out of pocket. A policy from Access Insurance Services can provide you with the following coverage to protect your assets:

  • Collision – to cover damage to your vehicle caused by crashes
  • Comprehensive – to protect you against vehicle theft and non-collision damage to your car
  • Uninsured motorist – to cover damage to your vehicle caused by drivers with no insurance coverage
  • Medical payments – to cover your medical costs if you are injured in an accident

A well-rounded auto insurance policy in San Antonio, TX will safeguard you against any eventuality on the road.

Fulfills Texas Auto Insurance Requirements

Auto liability coverage is mandatory in the Lone Star State. Driving without it could lead to being fined or suffering penalties. Liability insurance covers injuries and damage to others in accidents that are your fault. It also covers your legal fees if you are sued for damages. Texas requires that you carry minimum liability coverage. To protect you against serious accidents, however, we recommend you purchase as much of this coverage as you can afford.

Auto insurance offers an affordable, practical means of protecting your assets against accidents. To purchase a policy, call your Access Insurance Services agent today. 

3 Reasons You Need Motorhome Insurance in San Antonio, TX

Owning a motorhome in San Antonio, TX gives you freedom. It’s just you, your loved ones, and the open road. Doesn’t it make sense, then, to protect this valuable asset from any unforeseen events? At Access Insurance Services we think so, and that’s why we’ve put together this short, yet handy, list of three reasons why you need motorhome insurance. Read on to learn more.

1. It’s Mandatory

If your home on wheels is mortgaged, you’ll need full coverage motorhome insurance. Since the bank uses the motorhome as collateral in case you can no longer make payments, they’ll want this asset fully protected, You’ll need this insurance before you can register your motorhome.

2. Liability

Driving a motorhome is just like driving any other vehicle, which means it is also susceptible to accidents. While you never anticipate getting into an accident with your motorhome (you keep it parked) accidents still happen. Someone could hit your parked motorhome with their vehicle, for example. If the other driver doesn’t have insurance or is underinsured, your motorhome insurance will kick in to cover the costs. Otherwise, you’ll be paying out of pocket, which can get expensive quickly. 

3. Peace of Mind

Whether you spend countless nights or not in your motorhome, go to sleep knowing you’ve done the responsible thing by getting your motorhome insured in San Antonio, TX. The friendly and reputable agents at Access Insurance Services can help.

To learn more about motorhome insurance, contact our friendly team today. Our agents are available to answer your questions, compare quotes, and bundle policies. We can be contacted online or by phone.

3 Reasons to Buy Extra Coverage for Your Rental RV

In San Antonio, TX, the agents of Access Insurance Services can provide additional RV coverage if you choose to rent a motorhome for your next vacation getaway. While the rental agency will provide some of the coverage you need, purchasing additional coverage will make sure you have the coverage you need to reduce your risk of financial loss.

Picks Up Where Rental Policies Leave Off

Purchasing additional coverage ensures that you are protected if something happens while you are on vacation. It picks up where the original RV policy leaves off. While the rental company’s policy provides sufficient coverage, your additional coverage will take care of any costs that aren’t covered.

Adds Extra Liability

A rental policy will only cover minimal liability. Purchasing additional liability coverage is a good idea, especially if you go camping with friends. Liability can be very costly if someone is injured. Having additional coverage ensures that you will not have to stress over the excessive financial loss.

Covers Your Personal Possessions

The policy from the rental company will not cover your personal possessions. Purchasing your own policy ensures that all of your property is covered as well. The additional cost for extra coverage is well worth the cost if it protects your property.

The agents of Access Insurance Services can provide additional coverage to individuals living in the San Antonio, TX area. Additional coverage for RVs will help to protect you from financial loss so that your vacation isn’t ruined. if an accident occurs. Call and speak to one of their reputable agents as soon as possible. This will give you the peace of mind you need to relax while you are on vacation.

Exploring The Benefits Of Term Life Insurance

Access Insurance Services assists the San Antonio, TX community by offering residents different types of insurance coverage. We help our clients find protection that aligns with their individual situations. Our status as an independent agency has allowed us to establish positive relationships with multiple carriers throughout San Antonio, TX, and other parts of the state.  

Life Insurance

At some point, you have to start planning for the future. Life insurance allows you to have peace of mind as you consider how your friends and family will react after your passing. The policy ensures that your family will have a safety net as they attempt to move forward if something were to happen to you.

Exploring The Benefits Of Term Life Insurance

Term life insurance provides coverage through a specified time period. While figuring out the length of time that you want coverage may be complicated, term life insurance provides you with several different benefits.

Term life policies are very direct. You’ll receive clarity with this policy that others may not have. There aren’t a lot of variables that you have to think about regarding this type of policy. If you are only looking for temporary protection, term life insurance is a great option for you. You can research a policy for 10 years, which is a relatively short amount of time. You also have the ability to find an adjustable policy based on your individual situation. Term life policies are also very confidential. Term life policies provide benefits without any lengthy delays. This is especially beneficial during an emergency.

Consult With Access Insurance Services

Planning for the future can be a difficult process. However, we can help you put things in order so that your family will be secure after your passing. Visit our website to learn more information.

Types of Commercial Insurance

Most people know of liability insurance or a business owner’s policy (BOP). Access Insurance Services wants you to understand that more than 15 types of commercial coverage exist though such as glass insurance, boiler policies, commercial auto, etc. This blog explains each succinctly so you can obtain the policy coverages you need to best protect your San Antonio, TX business.

A BOP provides you the three most common types of coverage bundled into one insurance policy. You obtain liability, property damage, and perils, and sometimes, business interruption insurance, in one policy that costs less than all three separately.

Consider glass insurance if you own a storefront, an office building, or a dance studio. Those business types have numerous windows or mirrors in their structure. If they crack or break, this policy pays for replacement.

A boiler or machinery breakdown policy keeps you toasty in winter. If your boiler breaks down, or your business, office, or manufacturing machines break, this policy pays for the repairs or equipment replacement.

Commercial auto policies cover what a personal auto policy and commercial insurance would not. You can obtain coverage for a single commercial vehicle or for your entire fleet.

Errors and omissions insurance protects you from mistakes that were not caused by negligence. If a product you manufacture broke and hurt someone, your E and O policy would pay the settlement. This falls into the same category as malpractice insurance for medical professionals.

Inland marine insurance helps any business that stores, transports, or delivers items belonging to another person. A dry-cleaning business would need this policy type as would a delivery service a jeweler, etc. 

Other types of commercial policies include business interruption, debris removal, law insurance, tenant’s insurance, and crime policies.

Keep your financial investment in your San Antonio, TX business protected with the appropriate business insurance. Let Access Insurance Services help you choose the policies that will best protect your commercial endeavors. Call us today for a consultation.

How will home insurance protect my San Antonio property?

San Antonio, TX is one of the largest and most populated cities in the country and state of Texas. This area continues to grow quickly, which provides a lot of opportunity for people professionally and could make it a great area to own a home. If you do purchase a home in this area of Texas, it is very important that you get a quality insurance policy. A home insurance policy can protect your San Antonio home in several different ways.

Insurance Protects Dwelling

One way that your home insurance policy will be able to protect your property is by providing you with coverage for your dwelling. If your home is ever damaged by a fire, bad weather, or another issue, the cost to remediate this could be significant. Fortunately, when you have home insurance, you will have the financial resources that are needed to repair or even fully replace your home.

Personal Asset Protection

Another way that your policy will protect you is by providing you with coverage for your personal assets. If you choose to purchase a home, you will want to ensure that your items under the roof are protected as well. A home insurance policy will include a provision for personal items including clothing, furniture, and other items that you own. 

As you are shopping for home insurance in the San Antonio, TX area, it would be a good idea for you to speak with the team at Access Insurance Services. There are a lot of very important decisions that need to be made when you are looking for home insurance. The team at Access Insurance Services will be able to answer all of your questions and ensure you continue to have the right type and level of coverage. 

What will Happen if You get Caught Without Auto Insurance?

There are severe penalties when you drive without auto insurance. And for the state of Texas, the following includes penalties for not having auto insurance: 

1. First Offense 

You will be required to pay approximately $175 to $350. Some people may think that this fine is not such a stiff penalty. However, first offenders must also pay a yearly $250 surcharge for three years consecutively. 

To add more burden, you will be considered a higher risk due to receiving a ticket for not driving with auto insurance. So, now you will have to get an auto insurance policy that is more expensive. You will also be required to file an SR22 through your insurance company for verification to show that you are carrying state-required liability coverage. 

2. Second and Subsequent Offenses

With another offense, you will face the following offenses:

  • Fines ranging from $350 to $1,000
  • Three, consecutive, annual surcharges costing $250
  • A possible order by the court to impound your vehicle for 180 days in which you will be required to pay a $15 daily fee for impoundment. 

PLEASE NOTE: There is an indigency program for those with low income. And even though this program significantly reduces annual surcharges, you will still be responsible for the hefty fines. 

3. Being in an Accident and Uninsured

If you are in an accident and you are not insured, there will be fines, possible vehicle impoundment, and driving privilege suspension. Furthermore, if there is a serious injury or death and you are responsible for the accident, you may face a $4,000 fine and may spend a year in jail. You also must file an SR-22 for three years. You will have up to a two-year suspension of your license and vehicle registration. You also will be totally liable for all property damages and physical injuries due to being at-fault for the accident.

Conclusion

Don’t get caught up like this! Get insurance today from a proven insurance company today! For more information and to get your insurance needs met, Access Insurance Services is the one to turn to. Located in San Antonio, TX, Access Insurance Services is BBB-certified and has been serving San Antonio, TX and surrounding areas since 1993.