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AlphaSure Affordable Insurance Svcs Blog

Who Is Responsible For Damage To A Condo?

Condominium insurance is a type of insurance that’s specifically designed to cover the contents of a condo unit. It protects you and your unit if something happens to your building or your unit itself. Let AlphaSure Affordable Insurance Services help you understand who is responsible for damage to your condo in San Antonio, TX.

What the condo association/HOA is responsible for:

The condo association/HOA is responsible for keeping the exterior of the building in good condition. This includes the common areas of the building, like the front walkway, sidewalk, and street. The association is also responsible for keeping the interior of the building, like the hallways and stairways, in good condition. They are also relied on for maintaining the exterior security of the building, like the fence and gates.

What you are responsible for:

Condominiums are shared properties. Each owner has a share in the ownership of the building, as well as the land it’s built on. Each owner is responsible for keeping their own unit in good condition. When something in your condo unit needs to be fixed, you’re responsible for getting the repairs done.

As a condo resident, you’re responsible for the things that happen inside your unit. This includes damages that happen as a result of an accident, including any injuries sustained by guests to your property. Likewise, in the event of a disaster such as a fire, your condo association may be responsible for structural damages, but they are not required to compensate you for loss of personal property.

Contact Us Today

Your primary obligation is to protect the value of your unit and your own belongings. This is best done through an insurance policy. Condo insurance protects you and your unit in the event of a disaster. It also helps protect your unit in other circumstances, like if the unit was damaged by a crime. Discover more about condo insurance in San Antonio, TX with AlphaSure Affordable Insurance Services.

Benefits of Life Insurance in San Antonio TX

Do you have a life insurance policy? Life insurance is a vital part of any long-term financial plan. It provides peace of mind knowing your family will be taken care of financially if something happens to you. Residents of San Antonio, TX can enjoy several benefits by having life insurance.

Benefits of Life Insurance

A Safety Net For Loved ones

One of the primary benefits of life insurance is providing peace of mind. If something happens to you, your loved ones will be taken care of financially. Your policy can also help cover final expenses and funeral costs, which can be a financial burden for your loved ones. This safety net can help them focus on grieving and healing instead of worrying about money.

Financial Security

Having a life insurance policy with AlphaSure Affordable Insurance Services can give you peace of mind knowing that you are financially secure. If something happens to you and you have a life insurance policy, your loved ones can use the money from the insurance claim to pay off debts and other expenses. These extra funds can help your loved ones maintain their standard of living even after you’re gone.

Tax Benefits

In most cases, the proceeds from a life insurance policy are not taxable. This means that your loved ones can receive the money from the policy without paying taxes on it, which can be a valuable asset to your loved ones in their time of need.

If you’re looking for life insurance, AlphaSure Affordable Insurance Services in San Antonio, TX is here to help. We offer a variety of policies to suit your needs. Contact us today to get started.

Underrated Auto Insurance Facts

AlphaSure Affordable Insurance Services LLC serves the San Antonio, TX community and the surrounding areas. Providing excellent customer service is important to us. We offer our clients various types of coverage. We want to help you obtain coverage that is reliable during tough times.

Underrated Auto Insurance Facts

Auto insurance protects you as your travel around San Antonio, TX and beyond. You are covered if you are involved in a serious accident. Liability coverage protects you if you are held liable for the damages and potential injuries. Comprehensive coverage protects your vehicle in unique ways. Perhaps a severe storm is heading into the area. If a tree snaps and damages your car, comprehensive auto insurance will cover you. The policy also covers you if your vehicle is stolen or vandalized. While looking over your policy, don’t neglect these underrated facts.

We suggest that you amend your auto insurance policy over time. As variables in your life change, such as your age, marital status, and credit history, they may impact your auto insurance policy. Amending your auto insurance policy can help things run smoothly if your life changes in the future.

Emergency roadside assistance is recommended because you never know when an issue may occur. Perhaps you are driving, and your tire blows out. If you have emergency assistance, you will receive urgent towing service. Perhaps your engine is having mechanical issues. Emergency roadside assistance will prevent you from being stranded, which is a potentially serious situation. Inquire about uninsured motorist coverage, which covers you if you are a victim of a hit-and-run collision.

AlphaSure Affordable Insurance Services Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.

Do You Need Builder’s Risk Insurance?

Builder's Risk Insurance San Antonio

Home Flippers May Need a Builder’s Risk Insurance Policy

A homeowner’s insurance policy is intended for homeowners who will occupy the dwelling. In essence, you must occupy the dwelling within 30 days of purchase. Yet it is not uncommon for remodeling to be completed prior to the move in date. However, home insurance coverages will void when the home remains vacant for greater than 30 days. Coverages are voided after 30 days due to the vacancy clause. Thus, this exclusion may make it necessary to consider buying a builder’s risk insurance policy.

Vacant Dwelling Endorsement or a Builder’s Risk Insurance Policy?

Some homeowners’ insurance policies allow adding a vacancy clause endorsement. Thus, adding this endorsement removes the vacancy clause. However, when there is too much remodeling needed, then the homeowner’s policy may be ineligible. As a result, a builder’s risk insurance policy is in order. Moreover, a builder’s risk insurance policy can cover the value of the existing structure plus the value remodeling. Additionally, consider adding theft coverage to your policy. In addition, be sure to talk to your agent about adequate personal property limits and theft coverage.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

For directions to our San Antonio office, click on our Google listing

In Laredo, TX

AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

For directions to our Laredo office, click on our Google Listing

About AlphaSure Affordable Insurance Svcs | 201 W Del Mar Blvd, Suite 20, Laredo, TX (alpha-insure.com)

Shopping for Renter’s Insurance San Antonio?

Renter's Insurance San Antonio

Why Renter’s Insurance San Antonio?

What is renter’s insurance San Antonio? Renter’s insurance is a policy that is similar to a home insurance policy. However, renter’s insurance is intended for tenants. For example, a tenant of an apartment complex will not be responsible for the building should it become ablaze. Concomitantly, the building owner is not responsible for the contents owned by the tenant. Thus, a tenant must purchase a renter’s insurance policy to cover his personal belongings. Moreover, should a covered peril happen, the renter’s insurance policy will cover the contents up to the coverage limits less any deductible.

What are some Covered Perils in a Renter’s Insurance San Antonio?

Different insurance companies will have differences in their policy language. However, the most common perils insured against in a renter’s insurance policy are fire and theft. Additionally, a renter’s insurance policy can include replacement cost coverage. For example, in event of a covered loss, such as a fire, replacement cost coverage in the renter’s insurance policy will cover to replace your damage items. This is important because older items, such as TVs depreciate.

Other Coverages in a Renter’s Insurance San Antonio

Personal liability and medical payments to others can be added to a renter’s insurance policy. Like a home insurance policy, personal liability and medical payments to others is available. Moreover, the personal liability portion of a renter’s insurance provides defense coverage against a covered personal liability claim. Personal liability coverage limits usually start $25,000 and can go up to $500,000.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

For directions to our San Antonio office, click on our Google listing

In Laredo, TX

AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

For directions to our Laredo office, click on our Google Listing

Laredo, TX Renters Insurance Agents | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

Car Insurance Laredo TX

Car insurance Laredo TX

Considering Adding Uninsured Motorist Coverage to Your Car Insurance Laredo TX,

What is uninsured motorist coverage? Why do you need it? What are the benefits? How much does it cost? These are just some of the questions that customers ask when shopping for car insurance Laredo TX. Read on to learn more about uninsured motorist coverage and what it can do for you.

Uninsured/Underinsured Motorist Car Insurance Laredo TX

According to the Insurance Information Institute 12.6% of the drivers are uninsured. If you are shopping for car insurance Laredo Tx, here are a few things to note. Texas law requires drivers to maintain minimum liability limits of 30/60/25. The number 30 represents $30,000 bodily injury limit for each person. While the number 60 represents $60,000 bodily injury limit for each accident. The number 25 represents $25,000 property damage limit for each accident. Thus, if a driver causes a multicar collision on the highway resulting in serious injuries, these minimum limits will not be enough. Thus, the advent of uninsured motorist coverage in 1927. Uninsured/underinsured motorist coverage is abbreviated UM/UIM.

Uninsured Motorist May Cover You Even if You Were In Someone Else’s Vehicle

When added to your car insurance Laredo TX, UM coverage will cover you in even if you are riding in someone else’s vehicle. For example, a friend gives you are ride home from work and he is involved in a not at fault accident. Your friend does not have UM coverage on his policy. If the guilty driver is uninsured, then your personal car insurance policy contains UM coverage, it should cover your bodily injury. Be sure to discuss this topic with your agent.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Auto Insurance Agency | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

To view more statistics about uninsured motorist coverage see Facts + Statistics: Uninsured motorists | III

https://g.page/r/CXU1zyoRm7euEBAundefined

Home Insurance Stone Oak

Home Insurance Stone Oak

Shopping for a Good Home Insurance Stone Oak, San Antonio

It once was that insurance companies in Texas used a standard home insurance form. For example, if you were shopping for home insurance Stone Oak at that time the most common type of policy sold was a Homeowners Form B. Thus, when shopping for home insurance it was somewhat easier to compare among the competing insurance companies. However, that all changed on December 1, 2004, when Texas became a “file and use” state. (see https://www.tdi.texas.gov/rules/2004/1018-059.html#:~:text=Article%205.13%2D2%20%C2%A75A,and%20use%20rate%20filing%20system.) This is important because it now means that insurance companies can write their own insurance policy contracts, file for approval with the state, then sell their own policy.

Does This Change Benefit the Insurance Shopper?

I am on the fence on this one. In my opinion, the Homeowners Form B offers broader coverages for covered perils on the dwelling. Additionally, the standard unendorsed policy covers firearms up to policy limits. However, the unendorsed ISO form that is commonly used today covers firearms starting at $500! Thus, for reasons like this, it is important to shop for a policy that suits your needs. Indeed, it may be better for you to choose a homeowners insurance company that sells the HOB form. On the other hand, some insurance companies add benefits to their policies that will not be found on a HOB form. Thus, when shopping for home insurance Stone Oak, it is a good idea to talk to independent insurance agent.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Commercial Insurance Agents | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

Long Haul Trucking Liability

Long Haul Trucking Liability

Trucking Liability Required in Texas

In Texas, the type of truck or load will determine the trucking liability requirement. Check out this link to view the different trucking liability requirements. https://www.txdmv.gov/motor-carriers/txdmv-number On the other hand, a truck needs bobtail liability when the truck is not on dispatch nor carrying a load. For example, when you drive your truck to the shop for regular maintenance, the truck is not on dispatch.

Trucking Liability vs Bobtail Coverage

A trucker can have his trucking liability covered by another entity. For example, it is possible for a trucker to lease his truck to a trucking company. In return, the trucking company may include the leased truck under their own trucking liability policy. This is usually done on a contractual basis. It would be wise to confirm that you are in compliance with the Texas Department of Motor Vehicles and or the USDOT. Indeed, the fines for being out of compliance are costly. Moreover, the truck may be halted and the load will be delayed. Needless to say, a truck driver may lose future earnings if a company cannot depend on a swift shipment of goods.

Factors That Adversely Affect Trucking Liability Prices

Insurance companies use many rating variables when pricing insurance policies. Aside from the more obvious rating variables, there are some that you may not be aware of. For example, some insurance companies use out of service violations as a rating variable. Moreover, excessive downtime violations may make a risk ineligible for coverage. For this reason, I always recommend that truck drivers be especially vigilant about keeping a clean downtime violation record.

Ready for an Insurance Quote?

As with personal auto insurance quote, there are a few pieces of information in order to obtain an insurance quote.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

Laredo, TX Commercial Insurance Agents | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

Common Risks Homeowners Face

Owning your own home has long been a foundational part of the American dream. Homeownership comes with a distinct sense of pride and accomplishment. However, there are also certain risks as well. At AlphaSure Affordable Insurance Services, serving San Antonio, TX, we make it our business to provide clients with reliable insurance information. Keep reading to learn about common risks homeowners face. 

Property Damage

The most common risk you will face as a homeowner is the risk of damage to your property. Your home or property can be damaged through fire, natural disasters, or even through burglary. If this happens, any repairs will come out of your pocket if you are not properly insured. If your home is lost through property damage, you and your family will be put in a very vulnerable position. Homeowners’ insurance policies are designed to protect you from these types of risks. 

Liability 

Many homeowners don’t think of a liability as a risk of homeownership, but it is definitely something you want to consider. When you own a home, you are solely responsible for anything that happens on that property. If someone is injured at your home or on your property, you could be held liable for their medical expenses. You could even be held liable for legal expenses if someone chose to take legal action against you because of their injuries. 

The risk of liability is increased if you have people to your home on a regular basis, have a swimming pool, or participate in recreational activities that could be hazardous. Most homeowners’ policies will cover liability expenses if someone is injured at your home or on your property.

If you would like to learn more about our services, please contact us at AlphaSure Affordable Insurance Services, serving San Antonio, TX. 

Home Insurance San Antonio

Home Insurance San Antonio

Home Insurance San Antonio Can Protect Your Biggest Asset

For the average American, their home is the most valued asset. Indeed, home insurance San Antonio is important to protect your home from certain perils. For example, the most commonly insured peril in a home insurance policy is fire. Although it is not the most frequent cause of home insurance claims, fire does tend to be the costliest one. Imagine forgetting to turn off the stove and a frying pan catches fire. A good home insurance policy should cover the losses.

Wind and Hail Coverage

Home insurance policies will typically divide the deductibles into two sections. The first deductible will be a deductible for other perils. The second deductible will be for wind and hail. Moreover, it is important to know that the deductible will equal a percentage of the dwelling coverage. For example, assume that you have a 1% wind and hail deductible. If a windstorm damages your house, the deductible will need to be paid first before the policy will cover any loss. Additionally, it is important to ask your agent if wind and hail coverage is included in the policy. Moreover, it is equally important to ask your agent what the deductible limits are.

Mortgage Companies Require Home Insurance

When a house is mortgaged, the mortgage company will require hazard insurance. Hazard insurance is also called home insurance or homeowner’s insurance. Indeed, when an insurance policy is cancelled by an insurance company, the mortgage company will force place a coverage for the dwelling. Moreover, forced-place coverage tends to be very expensive. Not only is it very expensive, but it typically will only cover the dwelling and not the contents. This is one reason why it is important not to let your home insurance cancel.

Call a local agent who can help with your insurance needs

In San Antonio, TX
AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
Office (210) 888-1750
Fax (210) 564-9097

In Laredo, TX
AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Ste 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550

AlphaSure Affordable Insurance Services is licensed in the State of Texas.

Laredo, TX Home Insurance Agency | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

Home insurance (texas.gov)