How Fall Cleaning Impacts Home Insurance Policies

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.

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Tips to Keep In Mind When Getting Home Insurance

Getting home insurance may not be mandatory for homeowners residing within San Antonio, TX, but it is still a crucial policy to have on hand to keep your property protected. In addition to this, numerous mortgage lenders require proof of insurance before you can get your funding, making it an essential part of your homeownership journey. Below, Access Insurance Services explains some tips to keep in mind when getting home insurance.

Understand What Is Included in Your Cover

The first step to getting home insurance is understanding items covered in your policy. Various covers protect different home items, with some examples being dwelling coverage for the structure of your home and content coverage that protects your personal belongings. In addition to this, each policy covers different perils such as disasters like hail, theft, and vandalism. Home insurance also has its restrictions, with examples of exclusions being perils such as flooding and earthquake. Due to these differences, ensure you understand your policy’s exclusions and inclusions.

Have an Inventory of Your Possessions

Home insurance will often rely on your possession’s total value for compensation when disasters emerge, providing you with repair and replacement costs. If your property is not adequately accounted for, you are likely to get insufficient coverage, leading to financial strain when you need to rebuild your property. To avoid this, have a detailed and accurate inventory of your possessions.  

Compare Your Options

As is the norm, numerous homebuyers will likely settle for the first provider they encounter, leaving out alternatives suited to their needs. To get quality home insurance that considers your property’s needs, explore the various options on the market. Take into account providers that prioritize your current and future home protection needs.

If you need customized home insurance suited to San Antonio, TX, call Access Insurance Services today to get started on your journey.

Do I need to get home insurance in San Antonio?

For people that live all over the San Antonio, TX area, owning a home can be a great long-term investment. Those that choose to purchase a home in this area of Texas will enjoy the long-term price appreciation and other ownership benefits. When you are going to purchase a home in this area of the state, you need to get insurance for it. There are a few reasons why you should get this coverage when you are in San Antonio.

You Want to Protect Home

A reason that people in this area of Texas need to get home insurance is that it can protect their home. A home is a very valuable asset that can make up a large portion of someone’s personal wealth. With a home insurance plan, you can protect this investment. With proper home insurance, you will get the coverage needed to repair or rebuild your property.

Coverage is Required

Another reason that you should get home insurance is that it is a requirement. Many people in Texas are required to have this protection. If you live in a home association or have taken out a mortgage, you will likely have insurance requirements. With a full home insurance plan, you can comply with these requirements. 

If you would like to get a home insurance plan in the San Antonio, TX area, it would always be a good idea to get guidance and support from someone that you can trust. The team with Access Insurance Services can help you assess your home insurance needs and pick a new insurance plan. Access Insurance Services is able to do this by answering your questions and building a policy that keeps you in compliance with your requirements and protects your home.

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. 

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. 

3 Things You Need to Include in a Video Inventory

Creating a video inventory is an ideal way to provide an accurate and up to date list of everything you own.  A good photo/video inventory will show the condition of each item as well as its model and serial number if there is one available. The agents of Access Insurance Services offer their services to residents of the San Antonio area.

Electronics

Include all of your electronics. The inventory should show all sides of each piece and include both the model and serial numbers. If possible include video footage of the item while it is turned on and being used. If the serial number is too small to see, write it down on a small piece of paper and set it beside the item so it is clearly visible.

Power Tools

Don’t forget to include all of the high dollar items you have in your garage. Power tools can be extremely expensive and some may be hard to replace. Putting them on your video inventory is a must. While you are out in your garage, remember to include other items as well. 

Antiques and Collectibles

Antiques and collectibles should also be included. If there is more than one item to a set, make sure to video each piece separately.

In San Antonio, TX, the agents at Access Insurance Services offer homeowners a variety of tips on how to perform an effective and thorough video inventory. Make contact with them at your earliest convenience to find out what items you should be including in your home inventory. With all their years of experience, they can provide reliable and sound advice to help you keep your home secure.

Benefits of Getting Home Insurance in San Antonio

The San Antonio, TX area is a very large metro area that is continuing to grow. With a strong local economy, it can be a great area to own a home. When you are looking to purchase a home in this area, you need to make sure that you get the right insurance in place. There are several benefits that come when you get home insurance in the San Antonio area. 

Property Protection

One of the benefits of getting home insurance in this area is that you will get property protection. Your home could be the biggest asset that you ever own. Due to this, you need to make sure that it is properly covered by insurance. A home insurance policy can provide you with protection for your home as well as all of your personal belongings. 

Liability Protection

Another important form of coverage that you can get is liability protection. As a property owner, there is a certain level of risk you take on whenever you have a guest over. If they are injured while on your premises, you could be deemed liable. Due to this continued risk, you need to have a home insurance policy in place. This will help to ensure you are protected for liability if you are sued. 

If you do invest in your own home in San Antonio, TX, it is very important that you get a home insurance policy. If you are shopping for a new home insurance policy, you should contact us at Access Insurance Services to learn more about how we can help you to get into a great policy. Our team of insurance professionals at Access Insurance Services can review your particular situation and help you get into a policy that provides the right insurance for you and your home. 

How Does a Home Security System Help with Home Insurance?

Even if you think you live in a safe neighborhood in San Antonio, TX, you could still be at risk for burglary. The chance of burglary is high, no matter where you live. When you install a home security system with burglar alarms, you can deter thieves from breaking into your home. A home security system may be able to decrease some of your home insurance costs. Every policy is different so always consult with your agent at Access Insurance Services to see if you qualify for discounts before you install a home security system just for a break on home insurance.

Boost Home Safety: One of the main ways a home security system can help with home insurance in San Antonio, TX is that it boosts your home safety. A decrease in burglary incidents results in less damaged property and can show your insurance company that you are less of a risk.

Reduce Theft Claim Quota:  A security system can save neighbors money by helping to limit the total theft claim quota and the number of thefts within a certain neighborhood area.

Additional Safety Features: Homeowners can install a security system with additional safety features to lower insurance premiums. These include deadbolts and smoke alarms. The combination of a security system and other ways to protect your home can save you the stress of worrying about money and home safety. A physically monitored security system can also reduce the likelihood of fire and water damage.

Even if you aren’t saving money on your insurance, home security systems can save you money in other ways. Security systems may be able to detect gas or water leaks that can save you money on repairs or damages.

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

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.