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.  

Commercial Insurance and Home-Based Businesses

Owners of shops, stores, and offices know they need commercial insurance, but did you know that if you use a home office for meetings, you also need commercial insurance? It covers you for liability and your office equipment. Access Insurance Services of San Antonio, TX wants you to understand the importance of insuring your home-based business.

Homeowners’ insurance does not cover home-based business activities. You need commercial insurance if you conduct meetings at your home. It also covers your business equipment. If you use a vehicle for business only, you need commercial auto insurance. If you make a business claim on your home insurance, you can end up voiding your homeowners’ insurance.

Commercial coverage for home businesses covers the property, such as office equipment, general liability, product liability, professional liability, and business vehicle insurance. You may need errors and omissions insurance if your home business involves you giving professional advice for pay.

A homeowners’ policy only covers contents up to a percentage of the total home value. Check your policy to see how much coverage your policy provides. Now, tally the cost of replacing all of your office equipment. You probably found that it would quickly eat up most of the money you’d get for contents. A commercial policy covers those losses so you can spend your contents coverage on replacing your furniture and clothing.

While homeowners’ insurance covers you if your next door neighbor’s child slips and falls getting out of your pool, it does not cover your business client who falls down your front steps. You need commercial insurance for that.

If you sell a product, you need product liability insurance. It protects you if someone gets hurt using your product and sues you, or if the product does not work.

Call or contact Access Insurance Services of San Antonio, TX to learn more about commercial insurance for your home-based business. It is an important key to your financial success.

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!

Home Insurance Protection for Fire Dangers

Fires in San Antonio, TX may spread rapidly and cause great damage to many homes. Thankfully, home insurance policies from Access Insurance Services can protect you from this danger and total home loss.

Most Policies Cover Fires

Home insurance will cover fires started by lightning strikes, electrical problems, gas issues, stove problems, and other issues in a home. They typically cover the dwelling – the structure of the home – and all detached structures, like garages. However, personal property in the home, including furniture and clothing, are also protected. Homeowners need to create a list of all destroyed property after the authorities have confirmed the fire was an accident.

Some Fire Limitations May Apply

Though home insurance covers just about any type of fire danger, there are a few issues that they don’t protect. For example, a deliberate fire set by the owner – known as arson – is not covered and, in fact, is a criminal offense. However, arson by someone else is typically covered, as long as the person who started the fire wasn’t the homeowner trying to defraud their insurance provider.

Fires in a vacant home are another situation that is rarely covered. A home is declared vacant is a person hasn’t occupied the home for more than 30 consecutive days. However, a homeowner can buy a specific endorsement for their policy that will protect the home – such as if it is only used during vacations – from fires.

Find the Policy That You Need

As you can see, fire protection is a smart choice for those with home insurance. So if you live in San Antonio, TX and are worried about the dangers of fires, please contact us at Access Insurance Services. We will help you find a policy that suits your needs and help you avoid the dangers of severe fires.

Why It Is Important To Review Your Home Insurance Policy Annually

A lot can happen with your home in a year. Additionally, a lot can happen around the area. As such, it makes sense for you to review your home insurance policy on an annual basis. By making a call to Access Insurance Services, you can get professional assistance reviewing your policy in San Antonio TX.

Changes to Your Home

You want to make sure that your home insurance policy reflects everything that has happened to your home. For example, if you install a pool, it needs to be included in your policy. If you have added a security alarm, it should be reflected on your policy.

You may not think to make these changes throughout the year. However, reviewing your policy annually gives you a chance to make the changes. Otherwise, if home additions and changes aren’t in the policy when you file a claim, it can pose big problems. It may even prevent your claim from being accepted.

Changes to the Area

A lot may happen around your neighborhood in a year. If a neighbor’s home caught fire, it may show that you need some extra coverage. If there was a lot of flooding, you might want to add additional flood coverage to your policy. Plus, if there were a lot of break-ins, you may want to increase the coverage you have so that all of your valuables are sufficiently covered.

Insurance companies make changes to the way that they calculate premiums, too. If you notice that your home insurance premiums have gone up dramatically, it might be time to compare policies between different companies.

At Access Insurance Services, we are here to help you find policies in San Antonio, TX that make sense for your home, year after year. Talk to an agent today so that you can get help reviewing your policy.

 

 

What Happens to My Home Insurance Policy When I Move?

Moving can be a long and stressful process for most homeowners in San Antonio, TX. You need to shop for a new home or apartment that will suit your unique needs, sell your old home, pack and travel mentally, emotionally, and physically to your new home. You need to disassociate yourself from your old home and forget about it completely.

This is already a hectic process, but there is something else that you need to consider before moving. What are the insurance implications of your move? What happens to your current home insurance policy from Access Insurance Services when you move? Can you keep your current policy or you will need a new policy? Here is everything that you need to know about your home insurance policy when you move.

What Happens to Your Home Insurance Policy When You Move?

You might be surprised to learn that nothing happens to your current policy when you move. However, you need to accomplish some tasks when moving to avoid invalidating your policy. The first thing that you need to do is to contact your insurance agent and let them know that you are moving to a new home and ask them how this action can affect your policy. Your agent can help you arrange for the cancellation of the old policy and also assist you to transition to your new policy for your new home.

Contacting your insurance agent early enough will also ensure that there are no gaps in your home insurance coverage in San Antonio, TX. You should also be aware of the terms of your policy and how far in advance you had paid. If you had paid in advance, then you will be entitled to some form of refund once the provider cancels your policy. However, it is good to know that you can’t keep your current home insurance policy when you move since your new and old homes are two different properties with different risks.

Contact Access Insurance Services today for your home insurance policy.

What You Need to Know about Home Insurance

The first important point to know about home insurance is exactly what it is and what it protects. Home insurance is a type of property insurance which protects the individual against losses and damages to their house as well as to valuable assets inside their residence. Additionally, homeowner’s insurance provides liability coverage in case of an accident in the residence or somewhere on the homeowner’s property. Obtaining homeowner’s insurance is a typical first step a homeowner must take before a bank will accept their request for a mortgage. Therefore, knowing the specifics of it is incredibly important for anyone interested in purchasing a home.

The second thing to know about home insurance in San Antonio, TX is exactly what incidents it covers and how the process of paying for such incidents occurs. Generally, home insurance covers four different types of incidents: damage to the interior, damage to the exterior, personal assets or belongings suffering damage or being lost, and any injuries that occur while someone is on the property. These are generally covered by home insurance. If one of these incidents happens, the homeowner must pay a deductible first. Then, the insurance company will pay the excess cost of making the home habitable once again.

A third fact to know about home insurance in San Antonio, TX is the liability limit of the insurance. The liability limit of the insurance determines how much coverage the insured possesses in the event that something unexpected happens. The amount varies depending on the level of coverage and the insurance company that the insured receives coverage from, but the policyholder can also choose to set a higher amount for their liability limit if necessary. Speaking of insurance, if you are interested in purchasing homeowner’s insurance, check out Access Insurance Services. They have many knowledgeable and helpful insurance agents to assist you in purchasing homeowner’s insurance. If you are interested in finding out more information about homeowner’s insurance, call Access Insurance Services. 

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

Is Home Insurance the Same As Renter’s Insurance?

When living in an apartment it may seem like things like home insurance is something you need not worry about. While traditional home policies are not necessary in apartments, renters policies are a necessity. The real question is, are renters policies the same as homeowner’s policies? For those in the San Antonio, TX area, the agents with Access Insurance Services can help answer all you policy questions.

For starters renters insurance and home insurance are very similar for a few different reasons. Homeowner’s insurance policies are meant to protect both the structure and the contents of the structure. Renters policies protect only contents and the owner of the rental unit is responsible for owning a policy to protect the property.

The main difference is that the renters policy is only going to protect contents. This is a great thing to have however as rental policies do help to protect you if something happens like a break in, fire, or water damage where your belongings are damaged and they need to be replaced. This is the type of policy that you want to have even if you do not own the unit that you are living in as otherwise, youa re responsible for all replacement and repair of items and damages that occur to your property even while in the home.

If you own a home you want to have a homeowner’s policy to protect your property as well as to protect the home so that you can repay the bank and rebuild or move to another home after the home is destroyed. For those that live in the San Antonio, TX area, the agents with Access Insurance Services can help you to answer all your insurance related questions so that you can get the perfect policy each and every time.  

3 Reasons Why Who You Have for Homeowner’s Insurance Matters

You have to have a homeowner’s insurance policy if you have a mortgage company. However, you should continue to have insurance for the entire duration of time you own your home, whether you pay it off or not. Not all insurance companies are created equal, so the company you choose for your insurer matters for several reasons.  

1. You and Your Family Rely on the Company

You and your entire family rely on the company. You rely on them to educate you when you need it. You also rely on them in the event of an emergency. You want a company who is reliable. You need a company who is going to act fast in the event something happens to your home because you don’t want to be inconvenienced without a place to live for any longer than you need to be. 

2. You Have to Deal with Them

You have to deal with the insurance company you have, so you should opt for one with outstanding customer service. You want to know when you call you have a company who holds representatives accountable for their disposition and willingness to help you. You want a company that you can call anytime during business hours and get your questions answered. You’re paying for a service and deserve to get respect and consideration. Additionally, if you have any concerns, you should be able to contact the company and have them addressed. You need a company that puts your needs first. 

3. You’re Trusting Them with Your Biggest Asset

Your home is more than likely your most valuable asset. You need a company that you can depend on when you have that much at risk. 

Contact us today to open a policy and get an insurance policy with a company you can rely on. Call us at Access Insurance Services, serving San Antonio, TX, at 210-499-5433.