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. 

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. 

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. 

What Auto Insurance Is Required In San Antonio?

At Access Insurance Services in San Antonio, TX, we have been offering insurance for several years. To drive your car in San Antonio, you must have insurance. In Texas, you must have bodily injury liability coverage and property damage.

Bodily injury liability coverage

When you damage a third party’s car and probably, cause bodily injuries to the occupants of the car in an accident, this coverage will pay the medical bills.

Property damage liability coverage

When you damage a third party’s car or other property with your car, this coverage will provide funds to repair the property.

However, there are several problems with auto insurance policies. For both coverages, the minimum amount required will not take you anywhere. To enjoy wider coverage you need to raise your limit much more than the required minimum.

Imagine a situation where you cause an accident that affects multiple cars. For instance, if you stop suddenly on an expressway at a time when visibility is poor, it is highly likely that several motorists will run into you one after the other. How much do you think it will cost to fix about four cars and to pay the medical bills of about eight people?

Also, both coverages are for the third party. What about you? Who will repair your car? In an accident, your car may also be damaged and you may also sustain an injury, who will pay your medical bills? That’s why you should also consider other types of auto insurance coverage in addition to the mandatory ones.

Here is another issue to consider. It is our business and we know that some motorists still move on the road without insurance or without adequate insurance. So, if any of such drivers hit your vehicle, how will you handle it? The good news is that we offer insurance coverage for under-insured or uninsured driver liability.

To conclude, the two auto insurance coverages required by law are grossly inadequate. Contact us at Access Insurance Services in San Antonio, TX. We will advise you on all the necessary auto insurance coverages to keep you and your vehicle safe on Texas roads.

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.

What coverage is included with commercial insurance?

San Antonio, TX is one of the largest and most populated cities in the country. Those that live in this area will enjoy a growing population and a strong economy. While this can make the city a good place to live, it is also a good place to start a business. When you are going to start a company, getting commercial insurance is a good idea. There are many benefits and forms of coverage that come with commercial insurance.

Property Coverage

One important form of coverage that you will get with commercial insurance is property coverage. The vast majority of businesses out there will own some form of asset. This can include equipment, inventory, and even office equipment. Since a lot goes into acquiring these assets, you need to make sure that they are covered. A company in San Antonio, TX that gets commercial insurance will get coverage for these assets. 

Liability Coverage

Another form of coverage that you will get with your commercial insurance policy is liability coverage. If you are going to start a company, it is important that you understand the amount of liability risk that you are taking on. Those that are sued for liability damages could face serious penalization. To cover this risk, getting commercial insurance is a great idea. When you get insurance coverage for your business, an ample liability policy will be included. 

If you are shopping for commercial insurance, you should reach out to the team at Access Insurance Services. The insurance professionals here can provide many different services that will help to ensure that you are in a commercial insurance policy that is right for your company. Access Insurance Services does this by carefully analyzing your business to figure out your unique needs and business risks. 

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. 

Why Do I need to Get San Antonio Auto Insurance?

Similar to other cities in the state, San Antonio, TX is a very large place with a lot of great places to visit. Due to this, having access to a car is very important and often considered a necessity. If you do own a car in this area, you should spend time also considering your auto insurance needs. There are many different reasons you will need to have auto insurance.

Required by Law

The first reason to get auto insurance in Texas is that it is a legal requirement. Drivers in this state have to remember the minimum requirements when it comes to auto insurance. All drivers on the road need to have a certain level of liability insurance, which will allow you to pay restitution if you are at fault in any type of auto accident. 

Protects Asset

Additionally, drivers will want to have auto insurance to protect their assets. If you would not be able to easily replace your vehicle, you should invest in a policy with both collision and comprehensive insurance. This type of auto insurance will ensure that you can pay to repair or replace your vehicle if it is damaged in an accident, stolen, or if another loss-creating situation for your car arises. 

As you are shopping for auto insurance for your San Antonio, TX car, you should work with someone that you can trust. One great resource to start the process of getting a new auto insurance policy is Access Insurance Services. After you call the team at Access Insurance Services, you will quickly find that they work hard to carefully understand all of your personal insurance needs. This will help you get into an auto insurance policy that is right for your situation.