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AlphaSure Affordable Insurance Svcs Blog

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.

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)

Trucking Liability

Trucking liability San Antonio Laredo

Personal Auto vs. Trucking Liability

What constitutes a private passenger vehicle? A personal auto insurance policy is intended to cover private passenger vehicles. Additionally, a private passenger vehicle has a gross vehicle weight of 25,000 pounds or less. Thus, you cannot include a big rig semi-truck onto a personal insurance policy. This is where a commercial auto insurance policy is used. Moreover, when the vehicle has a gross vehicle weight of 26,000 or more, then truckers or trucking liability is needed.

Trucking Liability Requirements

According to the Texas Department of Public Safety a motor carrier must show proof of public liability insurance. Moreover, vehicles such as an 18-wheeler requires truckers’ liability. Additionally, truckers’ liability is also known as trucking liability. In addition, according to the Texas Motor Carrier Guide to Highway Safety, Form MCS-90 must be filed for motor carriers. Download a copy of the Texas Motor Carrier Guide to Highway Safety. Texas Department of Public Safety – Courtesy, Service, Protection

Must Provide Proof of Trucking Liability Insurance

Motor carriers are inspected regularly. In addition to other requirements, one thing the official will look for is proof of public liability insurance. Moreover, the inspecting agent may look for the presence of a state filing called Form MCS-90. This is why truckers must be aware of the filing requirements as well as the trucking liability insurance limits. Thus, if a trucker is out of compliance, he may be heavily cited.

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.

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

Mortgage Payment & Home Insurance Laredo TX

Home Insurance Laredo TX
Home insurance Laredo TX

Have you noticed your mortgage payment go up? Most mortgages are escrowed. Moreover, if the mortgage is a fixed rate interest with no balloon option, then it could be that it is probably due to an increase in your escrows. Additionally, if property taxes didn’t change from one year to another, then it is possible that the increase is due to the cost of home insurance Laredo TX.

Escrows include home insurance Laredo TX

Escrows are part of the mortgage payment. In addition to taxes, hazard insurance is also part of the escrows. Hazard insurance is also called home insurance Laredo TX. If your mortgage payment went up and you have a fixed rate mortgage it could be that your property taxes or home insurance Laredo TX went up. There are few things that you can do to help bring down the cost of home insurance. Yet the most important thing you can do is get insurance quotes from an independent insurance agent.

What are some things covered by home insurance?

Hazard insurance is otherwise known as home insurance. Home insurance covers losses due to certain perils. For example, fire and lightening are covered by home insurance. For example, if you leave the stove on and causes a fire in the kitchen, home insurance will cover the losses. Additionally, most but not all policies will cover damages caused by wind or hail. Moreover, most home insurance policies include personal liability coverage. This coverage is there in case you are found negligent to causing someone’s bodily injury or property damage.

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

For more information check out this information from the Travelers Insurance company.

What Does Homeowners Insurance Cover? | Travelers Insurance

Tow Service Car Insurance San Antonio Car Insurance Laredo

car insurance san antonio roadside assistance

Add Roadside Assistance to Car Insurance San Antonio

A valuable benefit to have on your car insurance San Antonio is roadside assistance. For example, for a few dollars per month, you can add roadside assistance to the car insurance San Antonio. In addition, you can add roadside assistance to your liability car insurance San Antonio. In other words, there is no need to have “full coverage” insurance.

It is a Great Benefit to Have

If you find yourself with a disabled car, by adding roadside assistance to your car insurance San Antonio, you can call for tow. Moreover, you will not have to worry about getting her car to safe place. In other words, the service is intended to help you get your car back on the road. If the car ran out of gas, they can deliver gasoline to you and all you’d have to pay is the cost of the gasoline. Similarly, if your car has a dead battery, they can try a jumpstart. However, if the car cannot be restarted on the spot car can get towed to the nearest repair shop. Roadside assistance usually has a radius requirement.

Benefits of Roadside Assistance for your Car Insurance San Antonio

For me, the biggest benefit is not having to worry about having a disabled car in the highway. Additionally, I do not need to worry if my wife and kids are left with a disabled vehicle on the side of the road. This is because, I can rely on roadside assistance to go to their aide. There are many benefits that come from roadside assistance.

Call us today for a free no obligations review of your car insurance San Antonio

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

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

For some further information about roadside assistance see https://www.progressive.com/claims/roadside-assistance/

Claims and Car Insurance San Antonio

Driving with car insurance San Antonio

You had minor accident in the San Antonio freeway and now you are contemplating filing an insurance claim. Here are a few things to consider when choosing to file or not to file an auto insurance claim. How much will an insurance claim affect the price of car insurance San Antonio? There are several considerations.

You had a small fender bender, what will happen to the rate of car insurance San Antonio?

When you are considering to file a collision claim, the first thing to consider is the seriousness of the car accident. For example, is your car drivable? If your car is safely drivable, take it to reputable body shop and get a written estimate. By the way, it is advisable that the written estimate includes the vehicles mileage and VIN to make it official. We know that keeping the cost of car insurance San Antonio low is the goal of every family. What will be the impact of a claim on your insurance price? The answer is, it depends.

If the collision is considered a not at fault accident, the car insurance San Antonio may not be impacted

First off, at fault accidents will impact the rate of insurance greater than not at fault accidents. Although insurance companies do not impose surcharges for not at fault accidents, the overall rates tend to be higher when any accident shows up in a claims history report. On the other hand, at fault accidents will result in a surcharge. As a result, rates for policies with at fault accidents will see the greatest impact.

What is the next step when deciding to file an insurance claim?

Another thing to consider is calling your insurance agent to get a requote on car insurance San Antonio. For example, a customer called me yesterday with this situation. In her case, she was involved in a small fender bender in a grocery store parking lot. Although it was undetermined who was at fault, which we could leave for another blog, the damages to her bumper were over $2,500! In her situation, the cost of car insurance with her current policy did not change if it was rated a not at fault accident. On the other hand, if it had been an at fault accident the rate went up by over $100 per month! Thus, she filed the car insurance claim.

Call us today for a free no obligations review of your car insurance San Antonio

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

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

For more information about insurance rates after an accident check out

How Much Will My Car Insurance Go Up After An Accident? | Bankrate

Renters and car insurance

Car Insurance

Car insurance prices are typically lower in smaller cities compared to bigger one. As an example, car insurance San Antonio, TX is priced higher than car insurance Laredo, TX. Therefore, we need to look for discounts in every possible fasion. First off, insurance companies in part will base their rate on geography. Thus, a good insurance agent will try to maximize all discounts. An auto insurance quote in San Antonio, TX will be different from an auto insurance in Laredo, TX. Consequently, the rise in insurance cost is due to an increase in traffic on the roadways. Bigger cities have more traffic than compared to smaller cities.

What to do to lower your Car Insurance Rate

The good news is that there are ways to bring down the cost of car insurance in San Antonio, Tx. For example, you may qualify for a significant discount if you buy renters insurance with the company that insures your car insurance in Laredo, TX. Moreover, you will gain coverage for your personal belongings against perils like fire.

There’s another discount that may be overlooked. It is not exactly a discount but a rating factor. For example, your occupation influences the car insurance rate. As an example, teachers tend to obtain better rates than construction workers. This could be because, construction workers may visit jobsites. Along with added drive time there may be additional hazards. Moreover, safe driver or multicar discounts will help soften the cost of the car insurance San Antonio.

Lastly, but try to avoid any moving violations. Moving violations like speeding tickets greatly impact car insurance prices.

Call us today for more information. We have local insurance agents ready to help with your car insurance in Laredo, TX or your car insurance in San Antonio, TX.

Call us today for free insurance quote in San Antonio or Laredo

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

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

Check out this other resource from Money Geek: Tips and Strategies to Reduce Your Car Insurance Costs | MoneyGeek.com