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.

Three things to know about commercial insurance in Texas

If you’re a business owner in San Antonio, TX, it’s important that you protect your company’s finances by investing in the right commercial insurance policy. We provide commercial insurance to San Antonio business owners at Access Insurance Services.

The following are three things you need to know about commercial insurance in Texas. 

You may be required by law to carry some types of commercial insurance.

One of the number one things you need your commercial insurance policy to do is meet any legal requirements. Depending on your industry, you may be required to invest in certain types of coverage.

In particular, you need to pay attention to the required commercial insurance coverage if you hire employees at your company. You may be required to purchase worker’s compensation and unemployment insurance if you have a staff of workers at your company. 

Commercial insurance premiums can be written off as a business expense.

Although commercial insurance premiums may cut into the profits of your company, they do offer the advantage of being business expenses that you can write off. This will help to bring down the tax liability of your company. 

Business owners should update their commercial insurance policy as their business changes.

Your business is going to change over time. As your business changes, you need to update your commercial insurance policy.

Make sure that you factor company growth into your commercial insurance decisions. The growth of your company can lead to new liabilities and risks that you need to account for with your commercial insurance coverage. 

Do you want to learn more about commercial insurance? We can answer any questions you have about commercial insurance at Access Insurance Services. We’re here to help business owners in San Antonio, TX to meet their insurance needs. 

The Most Common Life Insurance Mistakes and How to Avoid Them

Making a mistake with your life insurance can be a colossal error that costs the very people you are trying to protect – your loved ones. However, by working with a reputable life insurance company you can make sure that your loved ones are supported even after you are gone.

Waiting to Buy

Given that life insurance only kicks in if you die, it’s not exactly an uplifting conversation which can lead to many people procrastinating on purchasing it. With many families having one person earning significantly more than the others, it’s important that at a minimum the higher earner have life insurance. 

Buying the Wrong Type of Life Insurance

There are several types of life insurance and purchasing the wrong one can cost you significant money. For example, term life insurance covers the policyholder for a specific number of years before it expires. Conversely, permanent life insurance or universal life provides coverage for the entirety of your life and also allows you to accumulate a cash value that can then be borrowed or surrendered against if you face financial hardship. 

Not Adding a Beneficiary

Singing a life insurance policy is only the first step with the next being to add a beneficiary; however, you’d be surprised at the number of people that forget this step and then find their estate in limbo if they pass away. As a best practice, be sure to update your life insurance policy after any major life event such as the birth of a child, a marriage, or a divorce. 

At Access Insurance Services in San Antonio, TX our team of insurance professionals will take the time to get to know you personally so that we can help you find the best life insurance policy for your needs. No matter your questions, we are more than happy to answer them and walk you through every aspect of your policy. Don’t delay another day and give us a call. 

Misconceptions about RV Insurance Coverage

As an RV owner, you’ll find Texas the perfect state for RV road trips. There’s so much to see and do, you’ll never run out of sites to explore. The right RV coverage will take the stress out of your travels by providing adequate protection on the road. Working with an Access Insurance Services agent can help you avoid these common misconceptions about RV coverage:

Misconception: Your RV is Protected by Your Auto Insurance

Fact: RVs require their own insurance for protection against accidents and breakdowns on the road. If you plan to hit the road with your RV this summer, we recommend you purchase liability, collision, comprehensive and uninsured motorist coverage.

RV liability coverage is mandatory in San Antonio, TX by law. This insurance covers the medical and property damage expenses of others in accidents you cause. Collision insurance pays for repairs to your RV if you’re involved in a crash. Comprehensive insurance protects your RV from theft and non-collision damage. Uninsured motorist (UM) insurance protects you against uninsured and hit and run drivers.

Misconception: All RV Insurance Policies are the Same

Fact: As an RV owner, you choose the type and scope of RV coverage you want. Liability insurance is required; other types of coverage are optional. If you have a loan on your RV, your lender may require collision, comprehensive and UM coverage to protect his investment. Otherwise, you’ll be assuming responsibility for damage to your vehicle on your own if you choose to forego other types of coverage. 

Misconception: RV Insurance in San Antonio, TX is Very Costly

Fact: RV insurance costs vary depending on the type and scope of coverage you choose. By shopping around and customizing your coverage, you can get the protection you need at a price you can afford. 

For quality RV insurance at reasonable costs, contact Access Insurance Services.

Motorcycle Insurance Add Ons to Consider

Much like your vehicle, there are nearly limitless insurance options for your motorcycle. When riding your motorcycle you often feel one with the bike. It becomes an extension of you as you enjoy the open road. Much like your own body, you will protect your motorcycle. One of the best ways to do this is with appropriate motorcycle insurance. And yet with so many options, you may need help going through the different coverages in order to see which of these insurance options is best. This alone can be a bit of a challenge which is exactly why our staff here at Access Insurance Services is here to offer assistance for all motorcycle enthusiasts in the greater San Antonio, TX area. 

Medical Payments

This is always a recommended option when owning a motorcycle. It helps pay for medical expenses if you’re involved in an accident while riding your motorcycle. 

Personal Injury Protection

PIP for short, is similar to medical payments although it also helps pay for lost wages if you’re unable to work. If you ride your motorcycle on a regular basis you will want to consider either or both coverage options. 

Trip Interruption Coverage

Do you go on longer trips with your motorcycle? Finding a mechanic quickly can be an issue if something comes up. With trip interruption coverage you will be covered for food and lodging.

Find Your Coverage Today

If you’re shopping around for motorcycle insurance let our staff here at Access Insurance Services help you out. We’re here to lend a helping hand, regardless of how often you ride or the kind of bike you own. So if you have questions regarding motorcycle insurance or are ready to begin shopping around, our team here services greater San Antonio, TX and can’t wait to help you out. 

Does Commercial Insurance Protect Against Lightning Damage?

If you own a business, chances are, you need commercial insurance of some type. There are many types of commercial insurance ranging from basic general liability to more industry-specific types. In most cases, the standard commercial insurance policy is designed to protect from the unexpected such as weather and storm damage, including lighting.

Lightning Damage

No one knows where or when lightning can strike a structure and cause damage or destruction. In many cases, the building will need repairs to the infrastructure, and the electrical system and office equipment may be damaged too. The best way to protect from losses is to have an adequate insurance policy in place designed for commercial needs. Before making a selection, work with an agent and let them help you assess your needs and then get policy options that work for your scenario.

Working With an Agent

The best way to be informed and get the right type of protection is to work closely with a knowledgeable insurance agent. Make sure to bring all of your important information and documentation to your consultation so they can get an accurate picture of what your situation is currently and maybe in the near future. They will then be able to figure out what policies and providers are a match for you and your company or business.

Residents of San Antonio, TX can rely on  Access Insurance Services to help them get commercial insurance they can count on year-round. 

Don’t take chances with your commercial insurance policy. Call or stop by Access Insurance Services today, serving San Antonio, TX, to get answers to questions and begin the process of finding quality commercial insurance. 

When to Buy Life Insurance in San Antonio

If you’re thinking about life insurance in San Antonio, TX, it may be because you just had something monumental happen in your life. Maybe you got married, had a child, or turned a certain milestone age. Whatever the reason is that you’re thinking about purchasing a policy (or upgrading one that you already have), Access Insurance Services may be able to help you figure out your next move. 

1. When You Don’t Want to Take Chances 

Life insurance can be made to fit your life, meaning you don’t necessarily have to wait for anything major to come. Maybe you want to take care of your parents, your siblings, or your nieces and nephews. Whoever it is you mean to protect, life insurance is a way to help set things right no matter what happens. 

2. When You’re Ready to Save 

Some people take out life insurance more as much for themselves as they do for their loved ones. Many life insurance policies offer a savings component to the plan, offering you utility on top of utility. Not only can you use the policy if you need to down the line, but you’re able to give the people in your life the peace of mind they need in case something happens to you. 

3. When You Feel Ready 

There are few people out there who wouldn’t benefit from life insurance. It’s a proactive, preventative measure that teaches the meaning of planning, something that everyone in San Antonio, TX can benefit from. Once you feel ready for it, Access Insurance Services is here to help you. Give us a call to learn about our policies and which one is right for you. 

Do Motorcycles Need Additional Liability Coverage?

Motorcycle insurance is designed to cover the specific needs of motorcycle riders both out on the road and when they are parked at night. Much like traditional auto insurance, this type of coverage can be liability only or full coverage. The liability part of the full coverage policy works just like a traditional auto insurance policy. If more liability coverage is necessary for a unique situation, an insurance agent can present options.

Unique Insurance Situations for Motorcycle Owners

Not all situations are alike when it comes to motorcycle owners. In some cases, the policyholder may require changes and customization to make the policy fit their specific needs. It is also possible that the state in which the policyholder resides may require additional coverages. The best way to get the right type of insurance policy for each customer is to have them work with a licensed agent who knows the ropes and how to make each option work for the client. 

A Helping Hand

Before buying a motorcycle policy, it is best to seek the expertise of a top insurance agency that has insightful agents who can help you get the coverage you need. Those who currently live in or near the San Antonio, TX area can count on Access Insurance Services to give them the assistance they need to find and purchase a policy that will protect them year-round. Consult with an agent today to see how easy it is to get the right type of policy to protect yourself and others.

Getting great motorcycle insurance is simple and convenient with help from Access Insurance Services, proudly serving San Antonio, TX. Call or stop in today to speak with an agent. 

Preparing RV for spring Travel after storing for the winter

The temperatures are getting warmer and the days are getting longer, which means spring has finally arrived in San Antonio, TX If you are ready to get your RV out of storage and hit the road, there are a few things you must do first to prepare the RV for traveling. De-winterizing the RV isn’t too difficult, but you’ll probably need to devote at least an afternoon to making sure it’s ready for the road. Here are a few tips from Access Insurance Services for preparing your RV for spring travel after storing it for the winter.

Check the Roof

Even while in storage, the temperature changes during the winter may have caused damage to the roof, especially the vent covers or the sealant. Make sure to touch up all seams where the sealant may be questionable and replace all vents that have sustained damage. Remember to inspect the ceiling inside to look for any water that may have seeped in through the roof, also check inside the cabinets that are located along with the ceiling. If the RV is an older model, you may want to consider installing a new RV roof coating.

Check the Tire Pressure & Fluids

Changes in the temperature may cause a slow leak, which is one of the quickest ways to overheat a tire and cause it to blow out. Make sure the tire pressure on all tires, including the spare, are at the pressure recommended by the manufacturer. This is also a good time to make sure all lug nuts are firmly in place and that the tread on the tires is in good condition. After checking the tires make sure to top off all fluids and take the RV in for an oil change.

Sanitize the Water System

After sitting for several months, one of the most important types of spring maintenance you’ll need to do is sanitize the RV water system. Follow the guidelines in your owner’s manual on how to sanitize the water system in your RV.

Before hitting the road, make sure you review your insurance policy and update your RV insurance if necessary.

Residents of San Antonio, TX that are interested in RV insurance policy or updating their current policy should contact Access Insurance Services.

Top 5 reasons to get Life Insurance

Here are the top 5 reasons to get life insurance:

Your parents are financially dependent on you

The very basic rule to check if you need life insurance or not is to check if there is anyone that depends on your income to live. This is particularly important for aging parents who are financially dependent on your income. At their age, they might not be able to get an active income and would only rely on their retirement savings or social security. That is if they were lucky enough to have those available to them.

Your job is high-risk

This reason should not be very surprising. As you can expect, if you have a high risk job, sadly the probability of your early demise goes up statistically. Jobs such as firefighting, mining or military can be considered high risk. If you do have such a job, you must consider mitigating that risk with a life insurance policy.

You have debt

Just because you passed away doesn’t mean all your debt went with you. For example, if you have a mortgage, you family will have to take care of the payments.

You are having a baby

The longer you wait to get life insurance policy, the greater will be the premium. Not only is having a baby expensive, but your pregnant spouse might not be able to have an active income while being pregnant or while having to take care of a newly born baby.

You are getting married

If you soon to be spouse is going to rely on your income, then it is another good reason to get life insurance. You don’t want your spouse to comprise heavily on their lifestyle.

Access Insurance Services serving San Antonio, TX can you the through life insurance policies most suited to our needs. The agency provides excellent customer service through experienced and professional insurance agents. You can get in touch with the San Antonio agency through the contact information available on Access Insurance Services website.