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AlphaSure Affordable Insurance Svcs Blog

How To Prepare For Flash Floods

San Antonio, TX is located in a region known as “Flash Flood Alley,” one of the most frequently flooded areas in North America. Flash floods happen after heavy rain and are dangerous for people and property. Homeowners living in this region must take steps to prepare for these sudden and deadly events.

How Can San Antonio Residents Prepare For Flash Floods?

Flash floods occur with little notice, but there are steps homeowners can take to prepare to protect their family, pets, and property in the event of a flash flood.

  • Have a flood preparedness kit ready to go at all times. This bag should include basic supplies that you may need in the event of a quick evacuation. Consider special needs like baby formula, pet food, and medicine.
  • Prepare an evacuation plan for your entire family, including pets. Make sure everyone knows what to do if a flash flood warning is issued.
  • Make copies of important documents. Send them to a relative in another region or store them digitally.
  • Consider investing in flood-mitigation measures for your home, such as elevating your foundation and sealing basements. 
  • Place sandbags around your home to keep water out when you expect flooding.
  • Invest in flood insurance from a reliable agency, such as AlphaSure Affordable Insurance Services, to protect your investment should the worst happen.

Do San Antonio Residents Need Flood Insurance? 

Different states and counties have different laws regarding flood insurance. Additionally, mortgage lenders may require homeowners to carry flood insurance. Even if you’re not required to carry flood insurance, protecting your investment is still important. 

Give Us A Call

Reach out to AlphaSure Affordable Insurance Services today and speak with an agent serving the greater San Antonio, TX community. Our agents understand your local coverage options and are ready to help you make the best choice to protect your family’s future.

Are My Mother-In-Laws Possessions Covered Under Our Home Insurance Policy If She Lives With Us?

At AlphaSure Affordable Insurance Services, serving the greater San Antonio, TX area, one of the questions that we are often asked is whether a family member who moves in, such as a mother-in-law, is covered by a home insurance policy if they live with you. We want to help our clients make the right decisions when it comes to insurance products, and getting answers to the questions you have can help you do that. Keep reading to find out the answer to this question. 

Are My Mother-In-Laws Possessions Covered Under Our Home Insurance Policy If She Lives With Us?

In most cases, a home insurance policy extends to your family members who are living with you, as long as they have a blood relation to you or your spouse or partner. This means that if either of your parents moves in with you, if any of your children move in, or if one of your siblings moves in, your home insurance policy will cover them and their belongings while they are living in your home.

However, if you have someone who you deem to be family, but that is not technically related to you, your home insurance policy will not cover them. There needs to be a blood or family connection. 

If your mother-in-law, or any other family member that is related to you, your spouse, or your partner by blood, moves in with you, your home insurance will likely extend to them and cover their belongings. However, it is strongly recommended that you talk to an insurance agent and ensure this is the case with your specific policy.

Contact Us Today

If you are in the market for a new home insurance policy, the team at AlphaSure Affordable Insurance Services, serving the greater San Antonio, TX area, would love to help you. Call us today to get started. 

Will Renters Insurance Cover my Water Damaged Laptop?

Renters insurance can be a wise way to protect your belongings while you’re a renter. Your renters’ insurance policy provides protection from many different situations and circumstances. However, it can be difficult to know what’s covered and what’s not. The AlphaSure Affordable Insurance Services is happy to educate San Antonio, TX residents on the benefits of renters’ insurance as well as what’s covered. 

What’s Renters Insurance?

As a renter, tenant/renters insurance provides protection against vandalism, fires, damage from burst pipes and sewer backups, liability, loss, damage, and more. While you’re renting a home, townhome, duplex, apartment, or condo, your personal items are protected. This is similar to the type of coverage provided by homeowners insurance for homeowners. 

Will Renters Insurance Cover my Water Damaged Laptop?

Your renters’ insurance will pay for your water-damaged laptop if a pipe burst and your laptop sustain water damage, but it won’t be covered if you spill your soup on it. If a covered circumstance occurs and damages your laptop, your renters’ insurance will pay for its repair or replacement. Conversely, renters insurance will not pay for the repair of your laptop if it’s damaged due to negligence, or by an accident that you caused.

Also, your laptop will not be repaired or replaced if it stops working or malfunctions on its own, or is lost or misplaced.  We know it can be difficult to know what’s covered and what circumstances must be present for a personal belonging to be repaired or replaced.

Contact Us Today

Give us a call if you have questions about renters insurance. Our team of insurance experts at AlphaSure Affordable Insurance Services in San Antonio, TX will be happy to answer all of your questions.

5 Optional Add-ons for RV insurance

Every RV is unique. Whether it’s logged decades of miles traveling across the country or is fresh off the showroom floor, your recreational vehicle is personal. AlphaSure Affordable Insurance Services in San Antonio, TX believes that your RV insurance should be just as special.

Most RV insurance policies include similar components, such as collision, comprehensive, and liability coverage. However, these alone are rarely enough. We can customize a plan that’s right for you.

Here are five optional features everyone should consider adding to their RV insurance policy:

Roadside assistance

Getting stranded is never fun. And towing a recreational vehicle isn’t easy either. If a breakdown does occur, this add-on can be a lifesaver. Yet it also provides a helping hand with smaller issues too, like unlocking doors and fixing flats.

Emergency expenses

Your insurance can chip in to help with incurred costs. If you are stranded, this will reimburse you for extra meals, travel, and lodging.

Personal attachment protection

Most standard policies cover belongings inside the vehicle. However, this applies to awnings, satellite dishes, and other items on the outside of your RV.

Storage coverage

An RV needs 24/7 protection. Even in storage, accidents and natural disasters can still derail your ride. This is designed for seasonal travelers. This coverage is redundant for full-time users.

Residential liability

Similarly, accidents can happen when you are stopped. This specialized liability shields you from damage or destruction that occurs when you are stationary. This safeguards you in situations where you are found to be at fault.

Contact AlphaSure Affordable Insurance Services 

Serving the greater San Antonio, TX area, our team of professionals knows that RV insurance requires more than a "one-size-fits-all" approach. Protect yourself, your family, and your belongings with a policy that meets your personal needs. Schedule an appointment today.

5 Common Motorcycle Claims

Accidents are unavoidable. But there are ways to protect yourself.

This starts with a personalized motorcycle insurance policy. Yet nothing replaces prevention. Awareness and diligence minimize the risks of riding. The best way to avoid serious injury is to spot threats in advance.

Luckily, AlphaSure Affordable Insurance Services in San Antonio, TX can help keep you safe.

Here are five common motorcycle insurance claims

Excessive speed

Motorcycles can reach top speeds quickly. As a result, reckless driving is a major concern. In fact, it’s the primary cause of motorcycle-related fatalities. Obey all posted speed limits. And, even more importantly, wear all safety gear, such as reflective clothing and helmets.

Objects on the road

Riding at high speeds also makes avoiding debris and other obstructions more difficult. Unexpected items, like rocks and trash, can deal major damage if left unnoticed. In addition to following speed limits, remain alert, vigilant, and ready to act.

Distracted Driving

Awareness is always critical. Cell phones, radios, and other distractions heighten your risk. Yet this applies to all motorists, not just riders. Every driver should eliminate distractions while operating a vehicle.

Poor Weather Conditions

The weather can’t be controlled. Heavy rain and high winds can pop up without notice. These reduce visibility. During fog and harsh weather, even the tiniest distraction can be costly.

Improper Lane Switching 

Intersections are another key area of concern. Improper or illegal turns are the main culprit. But lane splitting is equally risky. This happens when a motorcycle attempts to maneuver between two lanes of traffic.

Get Motorcycle Insurance Today

Any accident is problematic. But motorcycle collisions can be especially dangerous. Our team at AlphaSure Affordable Insurance Services in San Antonio, TX knows that motorcycle insurance is a necessity. We can find a policy that’s right for you. Schedule an appointment today.

Best Fleet Management Practices For Lease Boats

The ultimate goal of any fleet manager is to increase revenue, ensure safety compliance, and keep the boat in good condition. You don’t want to lease a boat once and then forget about it, but rather manage it properly. While tenants are on board, tenants may have different requirements and specifications, but it remains your responsibility.

You should have fleet management practices for lease boats to achieve your goal.

Here are the best practices that will help keep your lease boat in shape:

Ensure you are under boat/watercraft insurance coverage

Leasing boats without insurance cover is a risky affair. It can cost you so much in the occurrence of risks, including theft, fire, boat damage, and accidents. However, with boat insurance, you can easily cover the risk expenses.

If you are in or around the San Antonio, TX area, AlphaSure Affordable Insurance Services can help you out by offering boat/watercraft insurance coverage.

Our boat insurance policy covers the following but is not limited to;

● Theft

● Fire

● Property damage ([U6] furnishings, machinery, and appliances included)

● Medical expenses in case of an accident

● Emergency assistance

The boat/watercraft insurance does not cover animal mussels, mold, or normal wear and tear. Among the factors that will affect the cost of your policy are driving records, the boat location, deductibles, etc.

Track performance and usage using GPS tracking

Fleet managers need to be aware that GPS tracking is not only a tool for fleet managers but also for the owners of the boats. It’s important to know how much time your boat spends on the water to monitor maintenance needs and avoid overloading it.

GPS tracking systems help you monitor these metrics in real time. Thus, helping you respond quickly to issues before they become more significant problems. You can also use GPS to ensure the boat is being used effectively and provide information on its location and movement.

Performing regular boat maintenance

Regular boat maintenance is an integral part of any boat owner’s job. It’s important to keep your boat in tip-top shape. Regularly maintaining your boat can save you money on repairs and prolong the life of your boat. It also helps by preventing corrosion and other damage that can lead to major problems with your vessel.

Make the management of your boat easier

Boat leasing doesn’t have to be difficult and expensive. Using the above practices will make it easier for you.

If you don’t have boat/watercraft insurance, Alphasure Affordable Insurance Services in San Antonio, TX is your trusted partner. Contact us today and start your boat/watercraft insurance journey.

Does Umbrella Insurance Cover Rental Property?

Umbrella insurance is a type of insurance that can provide extra coverage in the event that your regular insurance policy doesn’t cover damages or losses. This can be a great option for business owners and those who have valuable assets that they want to protect. AlphaSure Affordable Insurance Services in San Antonio, TX is here to offer guidance on this important insurance coverage.

The question is, does umbrella insurance cover rental property? Here we explore whether or not umbrella insurance policies offer protection for rental properties.

Does Umbrella Insurance Cover Rental Property?

Umbrella insurance policies can offer protection for a variety of different things. That said, whether or not they cover rental properties can depend on the specific policy. Some umbrella insurance policies will only cover damages that occur to the property itself. Others may also cover liability in the event that someone is injured on the property. It’s important to read the fine print of your policy to see what is and isn’t covered.

What Does Umbrella Insurance Cover in Rental Property?

Umbrella insurance is there to protect you in case of a lawsuit. It can cover things like rental property damage, personal injury, and even some legal fees. So if someone slips and falls on your property, or if there’s a fire that damages your rental unit, your umbrella policy could help cover the costs.

Additionally, umbrella insurance can sometimes cover things that your regular homeowners’ or renters’ insurance doesn’t. For example, if you have a trampoline on your property and someone gets injured, your umbrella policy might help cover the medical bills.

Of course, every policy is different, so it’s important to talk to a professional company such as AlphaSure Affordable Insurance Services to find out what exactly your policy covers.

Contact Us Today

So, does umbrella insurance cover rental property? The answer is yes, but there are some caveats. Make sure you speak to your insurance agent about your specific situation to be sure. AlphaSure Affordable Insurance Services in San Antonio, TX is here to help. Give us a call today.

Will My Homeowner’s Insurance Cover Flooding?

Homeowner’s insurance usually doesn’t cover flooding. However, you may have other types of insurance that insure flooding. Ask your insurance agent or look up your policy online to see what coverage you have. Consult with AlphaSure Affordable Insurance Services in San Antonio, TX for expert advice. 

What to Know About Homeowner’s Insurance and Flooding

Homeowner’s insurance policies vary, but most will cover some level of flooding. If your home is worth less than a certain amount, then you would most likely be covered up to that amount. Homeowner’s insurance only covers loss, not damage. 

Homeowner’s insurance may not cover home damage caused by flooding. Some homeowner’s policies may cover flood damage, but the amount can be limited. If you’re in this situation and want to learn more about the coverage options available to you, contact the insurance agent that you used to purchase your policy. 

It is always a good idea to contact your homeowner’s insurance company to find out if they offer any coverage for flooding and to get a comprehensive policy overview. You can also get a different flood insurance policy. 

Homeowner’s insurance policies vary widely, so it’s important to do your research and shop around to find the policy that best suits your needs. In general, most homeowners’ policies won’t cover flood damage if it was caused by the following factors. 

  • An overflowing sewer or drain line
  • Heavy rain
  • A pipe that bursts
  • An overflowing water heater
  • An overflowing water cooler
  • An overflowing swimming pool
  • A pipe that bursts due to freezing temperatures
  • A pipe that bursts due to high pressure
  • An explosion
  • A lightning strike.

Contact Us Today

If you live in a flood zone, you must purchase flood insurance, which is sold and administered by the federal government through FEMA. Flood insurance is available for buildings but not contents. For any insurance-related queries in the greater San Antonio, TX community, call us today at AlphaSure Affordable Insurance Services.

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.