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. 

 

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.