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.  

3 Reasons to Have Homeowner’s Insurance in San Antonio, Texas

When you own a home in beautiful San Antonio, TX, chances are you have homeowner’s insurance, even if you own your home outright and do not have a mortgage with a bank. This is because there are many benefits to having homeowner’s insurance in the event that something you never expected to happen suddenly happens. Here are three reasons to always have home owner’s insurance in San Antonio.  

1. Theft

You may think that getting your house robbed won’t happen to you, that you live in a safe neighborhood where people don’t even need to lock their doors. But home theft does happen and getting robbed always happens when you never expect it; when you’re on vacation or at work, for example.  If you have homeowner’s insurance, however, you are covered and any valuables that were taken can be reimbursed.  It’s advisable to keep most valuables, like jewels, and important documents like passports, social security cards, and birth certificates, in a secured place like a safe.  

2. Required by Lender

When you have a mortgage on your home with a lender, homeowner’s insurance is required. The home is an asset worth a lot of money and banking institutions want to be certain that you are insuring this asset before they give you a loan to purchase it.  

3.  Peace of Mind

Having homeowner’s insurance gives property owner’s peace of mind. Knowing that in the event of a theft or other situation that requires a substantial amount of money to replace or in liability, homeowners are protected with their homeowner’s insurance policy in San Antonio, TX.  

At Access Insurance Services, we work with our customers to find the best policy for their home insurance needs.  Call us today at 210-499-5433 and a friendly agent at Access Insurance Services will answer all of your questions about shopping for a homeowner’s insurance policy in San Antonio.  

 

 

 

 

Consumer Home Insurance Tips in San Antonio, TX

Access Insurance Services operates as an independent insurance agency sorting through multiple top carriers to find the best connection for your homeowner needs. Getting quotes from several companies is at the top of the consumer home insurance tips in San Antonio, TX.

Have a trained agent do what they do best-making connections for your homeowner needs. Access Insurance Services knows the business. Why would you want to spend time searching online…when they can do it for you?

Consumer Tips in San Antonio TX

Texas is the third most expensive state when it comes to insurance-that’s why these tips are money saving nuggets. There is always a way to save some money.

  • Insurance companies in Texas sell many different types of insurance policies. San Antonio can have some dangerous weather conditions such as; hailstorms, earthquakes, and floods. Make sure you read the insurance policy and talk to the insurance agent to make sure you are covered in your area for whatever may blow in.

The National Flood Insurance Program (NFIP) is a federal program that enables residents and commercial businesses to purchase flood protection in San Antonio due to the fact that most basic homeowner policies do not include flood protection.

  • Ask your San Antonio TX insurance agent about discounts for homeowner policies.
  • Lower your premium by increasing your deductible.
  • Keep a great credit score. Some companies use your credit score as a scale of how much to charge or save you on your policy.
  • More factors to consider when looking for homeowner insurance- is to check out the company’s license status, complaint’s made, and financial rating. The insurance companies financial rating reflects their financial strength and stability.

Check out more consumer tips with Access Insurance Services located in San Antonio, TX.

 

 

 

 

It’s a New Year. Time to Review Your Home Insurance Inventory

Happy New Year! While others may have struggled in 2016, it was good to you and your family. Which is why now is a great time to review your San Antonio, TX home insurance policy.  While the structure of your home may still be adequately covered, the growing business, new wine collection, and new jewels for your wife may not be protected against the uncertainties of life. Access Insurance Services encourage you to take a good look at your inventory and update your home insurance for the new year.

Full Replacement vs. Market Value Replacement for Your Possessions

If you purchased a standard home insurance policy years ago when you bought your home, it may have only come with market value replacement for personal possessions. If your home was lost due to a fire, items that do not devalue with time and serve as part of your investments may benefit from a full replacement cost option. Coins, jewelry, art and other unique items should be listed on your inventory for full value.

The Family Tech Center

Most of the time electronics lose their market value over time. Replacing an inexpensive BluRay player from the big box store is no major concern. However, if you have had a premiere movie viewing lounge installed, you will want to itemize it on the inventory. High-end computers and software may require specialized listing.

Even the Shoes and Handbags

If the lady of the house collects designer shoes, you will want to include the irreplaceable fashions on the list, such that you can be adequately compensated in the event of theft or fire.

The agents at Access Insurance Services are available to answer any questions you might have about your San Antonio, TX home insurance and look forward to helping you update your policy.

Protect Your Home from Intrusion

Your family is the most important thing so you want to keep them safe. There are some simple solutions that Access Insurance Services in San Antonio, TX would like you to know in order to prevent intruders from violating your home.

Get Bushes Under Your Windows

Grow an array of thorn bushes and spiky plants to grow beneath your windows. This will dissuade thieves from breaking in through the first floor. These types of bushes can scratch, cut, tear clothing, and collect DNA. Because intruders want to remain inconspicuous, thorn bushes will be a great deterrent. Even though spiked plants and bushes are a great defense mechanism, they still should be trimmed regularly to maintain a clear line of sight.

Protect Sliding Glass Door Entryways

It doesn’t take long for a thief to break in through your sliding glass door. You can prevent easy entry by placing a security bar in the bottom slide tracks to stop the door from moving. You could also get a door sensor that will sound a severe alarm when the door is moved. This is a good idea when you are asleep, everyone in the house will know that an intruder has broken in.

An Alarm System

Alarm systems are useful in defending your home. If a thief decides to break in, the system will trigger an alarm. The alarm is sent to the company, letting them know that there is a problem. The company will call you to make sure that you are all right. If you cannot or are unable to give them the appropriate passcode that you set up when you received the system, then the company will immediately contact the police.

In San Antonio, the insurance agents at Access Insurance Services are willing to collaborate with you on a homeowners policy that is right for you and your family.

4 Consequences of Not Having Homeowners Insurance in Texas

Homeowners insurance may seem like an extra expense that you do not need in San Antonio, TX. What is the likelihood, after all, of a tornado sweeping through the city and taking your home with it? The probability is higher than you think, and the consequences of not having insurance in Texas are grand. 

Here are four punishments that you may be subjected to if you choose to go without assurance.

1. You may violate your mortgage agreement

Most, if not all, financial institutions require proof of homeowners insurance throughout the entirety of your loan. In fact, some banks deem the lack of assurance as grounds for foreclosure. While they may not forcibly remove you from the residence, lenders will purchase homeowners insurance on your behalf. Such indemnity covers the property but does not pay for damages to personal property. 

2. You may have to pay for damages out-of-pocket

Assurance companies pay for damages imposed on others that are directly attached to your property. The lack of indemnity means that you will have to pay for all costs out of pocket. You could find yourself in serious financial turmoil if damages total tens of thousands of dollars. 

3. Storm loss can break the bank

Your financial problems can become insurmountable if a tornado comes through town and destroys your humble home. Everything from moving expenses to cost for rebuilding efforts will come from your checking account if there is no insurance policy from which to deduct. Imagine losing your home and life savings on the same day all because you failed to prepare ahead with an indemnity plan. 

4. Litigation can wreak havoc 

Someone who injures himself on your property in San Antonio, TX may decide to file suit for medical costs. Whereas a homeowners insurance policy hires an attorney and pays associated fees for representation, the lack of assurance means that you have to find a lawyer and pay all costs out of pocket. You do not want to find yourself in the middle of a legal crisis because you failed to purchase a good homeowners insurance plan.

Contact the friendly agents at Access Insurance Services today for more information. 

Texas Homeowners: Avoid the Pitfalls of the Fall Season with These Handy Tips

Fall weather has a lot of great qualities, even for those living in San Antonio, TX. While Texans may not have as powerful a change in the weather compared to up there in the Midwest, there is still plenty of fun to be had. You still have some beautiful golden leaves on the ground and you still have the awesome festivities associated with Halloween and Thanksgiving. What could be so bad about fall? As it turns out, quite a few things in fact.

To start, as fall rolls around, the weather begins to cool off more. This is certainly relaxing, but if your house is not adequately insulated, this could mean that you are spending more money to heat your home as well as running the risk that the cold, dry weather could adversely effect your home’s health and wellness. Specifically, dry weather allows for moisture to get into your woodwork and furniture, which adversely effects the quality and longevity of both. If you are not properly insured for this kind of thing, you may find that you are forced to pay out of pocket in order to fix or replace these things, and in this economy, you do not want to be stuck footing that bill.

Other things that any homeowner should do – no matter if they are new or old – include checking out their roof and attic to make sure that the cold weather cannot seep in through these areas. Additionally, if you store things in your attic, do note that doing so may put these things at risk to exposure.

If you live in the San Antonio, TX area and want to make sure that you are properly ensured for the coming fall months, Access Insurance Services is here to help you out.

What to Do When a Pipe Bursts

Having a pipe burst in your home is no fun for anyone. It is a costly repair, and it can take some time to clean up the damage. In San Antonio, TX, we often do not think of pipes bursting because it is rare that the temperatures will get low enough to cause freezing pipes. When it happens, though, many people wake up to a terrible surprise that is costly. Use these steps from Access Insurance Services, so you can navigate frozen pipes and get them repaired.

  • Turn off your water immediately. The moment you notice that you have had a pipe burst, it is important to turn off the water to your home. Taking this step will help limit the amount of damage you will have in the home as a result. When the water is not flowing, you will have less of it in your home leaking from the pipes. This is the first step a professional will have you do so it is good to do first. 
  • Call a professional to get it repaired. When a pipe bursts, you will have to get it replaced. However, first, you will have to get rid of the damage and take care of any water damage inside your home. Call a professional to come out and take care of this for you because it is a big job, and you will want your pipes to be repaired just like they were new. 
  • Prepare for colder temperatures in the future. You probably do not want this ever to happen again, so it is important to take steps to prevent it. You should consider insulating your pipes with pipe sleeves. On colder nights, also always take preventative measures to prevent freezing pipes. 

Contact Access Insurance Services, serving San Antonio, TX, today for a quote on home insurance or to take a look at your current policy to see if you have any gaps in coverage. 

Why Home Insurance is Important

Home insurance is a necessary investment into your home.  Because so much goes into the purchase and upkeep of your home itself, it only makes sense to have a protection policy in place in case of any damage, theft or loss. 

Let’s explore the top reasons that having a home insurance policy for your home in San Antonio, TX is important:

  • It may be required – Many lenders will require a homeowners insurance policy before they will finalize the lending process. This is often the case in San Antonio, TX.  If there is not a policy in place at the time of signing, lenders are allowed to purchase one and add it to the cost of the mortgage. Bear in mind that they will often purchase a higher priced policy that only provides minimal coverage. 
  • It can act as a source of necessary income in the case of displacement- If you become displaced in the event of a natural disaster, a home insurance policy will often cover hotel bills and other temporary living expenses. 
  • A home insurance policy provides security for your home and belongings –  Besides the most general of policies, there are options to include the actual outer structure of your home and any assets that reside in the home, such as jewelry and items that are valued at  more than $100.  Depending on where you live, it may also be advisable to invest in earthquake and/or flooding clauses for your policy. 

Home insurance provides peace of mind that your home is covered in the case of unforeseen events. No matter your home insurance needs, Access Insurance Services can help you find the home insurance policy that is right for you. Contact us today for a free consultation and quote.