Who needs to get RV insurance?

Those that live in and around San Antonio, TX should always look for great ways to explore the area. With so many parks and fun destinations to visit throughout Texas, owning an RV could be a great option for many. When you are going to get an RV here, you should also get an RV insurance plan to protect yourself. This coverage is necessary for owners and drivers in a few different scenarios. 

Those that Want to Drive Legally

A situation when you will need to have RV insurance will come when you want to drive your vehicle legally. Anyone that is going to drive an RV will need to meet the state’s standards regarding liability coverage. If you do not meet this standard, you will be out of compliance and could face penalties. These penalties can include fines or even restrictions when it comes to your right to drive.

Those that Want to Protect Asset

You will also need to get an RV insurance plan when you want to protect your assets. Anyone that intends to buy an RV will be making a large investment for their future. You can continue to protect this investment with an RV insurance plan. With a full policy, you will get the coverage needed to repair or replace your RV if it is stolen or damaged in the future.

Getting an RV insurance plan in San Antonio, TX is very important. When you are looking for an RV insurance plan here, it would be a good idea to call Access Insurance Services. The insurance professionals with Access Insurance Services understand how valuable this coverage can be. They can then help you to build a policy that will keep you in compliance and properly protect your vehicle.

Motorcycle Insurance Variables To Consider While Researching Policies

Based in San Antonio, TX, Access Insurance Services offers multiple types of coverage. We help educate our clients so that they can find the right policy for their situation. We proudly serve as an independent agency.

Motorcycle Insurance Variables

During warm summers, many Texas residents enjoy exploring the state on their motorcycles. If you enjoy riding a motorcycle, it is important that you have coverage. Motorcycle insurance protects you and your assets as you ride around San Antonio, TX. You are protected if you are involved in a collision or if your motorcycle is stolen or vandalized. You are also covered if your motorcycle is damaged due to a fire or natural disaster. Liability coverage protects you if your motorcycle injures someone or causes damage. Here are some important variables to consider while researching policies.

Additional Coverage

You can add extra coverage to your policy to protect you in unique situations. Comprehensive coverage protects you if your motorcycle is damaged due to inclement weather or if you collide with an animal. You can add uninsured motorist coverage to protect you if you are involved in an accident with another driver who does not have coverage. If you make any upgrades to your motorcycle, you’ll have to amend your policy to cover you if those are damaged.

Motorcycle Type

The type of motorcycle coverage that you need depends on the motorcycle that you have. If you have a high-speed motorcycle, you’ll probably need a more comprehensive policy because operating it comes with a lot of risks. If you have a valuable motorcycle, consider adding storage coverage. Accidents can happen at any time. Something could go wrong even while you aren’t using your motorcycle. With storage coverage, you will be protected if the unit accidentally catches on fire and your motorcycle is damaged.

Access Insurance Services Will Help You Enjoy The Open Road

Visit our website today to learn more information about motorcycle insurance.  

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.

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.

Texas Motorcycle Helmet Laws

Deep in the heart of Texas, you need both a helmet and insurance to ride your motorcycle legally. At Access Insurance Services serving San Antonio, TX, we want to help you remain safe and legal on the streets of our state.

Texas requires riders wear a helmet for both fiscal and physical reasons. If riders in the US had always worn helmets when riding, the country would have saved $1 billion in medical costs. Wear a helmet reduces the risk of death by 37 percent and reduces head injury risk by 69 percent.

You will see riders in Texas who do not wear a helmet. They are not all lawbreakers.  Only riders less than 21 years of age must wear a helmet. Once you reach the age of 21, you get two options to use if you do not wish to wear a helmet while riding.

  • Complete a safety and training course for motorcycle operators.
  • Present proof of health insurance coverage that provides medical coverage for the treatment of injuries from a motorcycle accident.

While failure to wear a helmet qualifies as a secondary offense, that does not mean you should ride without one. A secondary offense refers to a violation that a police officer cannot use to stop a rider. They need a different primary offense such as a broken taillight or speeding to make the moving violation. If you get stopped for another reason, the officer can check for the two exceptions. You must always carry proof of either the training course graduation or the health insurance exception.

Wearing a helmet does not qualify for an insurance discount, but contact Access Insurance Services to learn how you can get the coverage you need at a reasonable price. We want to help San Antonio, TX riders remain safer on the road. Call us today.

Should You Get Year-Round RV Insurance?

It’s no secret that RVs give you greater freedom on the road. With RV insurance from Access Insurance Services, you can explore  Texas with confidence knowing you’re protected against mishaps on the road. If you’re a seasonal RV user, you may wonder if it’s necessary to keep your RV insurance year-round. Here are some factors to consider before canceling your coverage during the off-season months.

Importance of RV Protection

As one of your most costly possessions, it only makes sense to protect your RV both on and off the road. If you use your RV extensively during spring and summer, you’ll want adequate coverage to protect you against injuries, vehicle damage, theft, breakdowns, and other incidents that may occur on the road. RV liability coverage is required in Texas to protect other drivers in accidents you cause.

Seasonal Coverage

If you’re not planning on using your RV during fall or winter, you could cut back on your coverage to save on insurance costs. Keeping liability coverage enables you to take impromptu weekend trips during pleasant fall or winter weather. Cutting back on collision or uninsured motorist coverage is a viable option during this time.

You can also retain comprehensive coverage as it protects your vehicle against theft, vandalism and damage from inclement weather. If you’re parking your RV next to your home, these factors are still a risk. While in storage in San Antonio, TX, your RV is still at risk of fire damage.

RV Financing

If you’ve taken out a loan on your RV, your lender may require you to have certain types of coverage year-round. You can discuss this option with your insurer to see what’s best for your particular situation.

For more information about RV insurance in San Antonio, TX, contact your Access Insurance Services agent today.