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AlphaSure Affordable Insurance Svcs Blog

Does Umbrella Insurance Cover Rental Property?

Posted on by admin

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.

Tackle Car Insurance Prices

Posted on by Fred Gonzalez
Car Insurance

A Few Key Ways to Keep Car Insurance Prices in Check.

Insurance companies use several ways to calculate car insurance prices. Here are a few things to consider when shopping for auto insurance.

Keep Your Current Car Insurance Policy Active

Did you know that one of the biggest car insurance discounts that are available is the prior insurance discount? In general, the longer you have continuous coverage the higher the discount that is applicable. Thus, it is important to keep your car insurance active and do not let it lapse in coverage.

Keep Higher Than Minimum Liability Limits

Not only will having higher liability limits benefit you with more protection against a potential lawsuit, but insurance insurance companies assign bigger discounts when your prior policy contains higher liability limits.

Keep Your Driving Record Clean

One of the biggest influencers in car insurance prices are previous accidents or moving violations. Indeed, a moving violation can increase your car insurance price over 20% above the base rate! Drive carefully and avoid tickets or accidents!

Call a Reputable Independent Car Insurance Agent

There are two basic classifications of insurance agents. Captive and independent insurance agent are two classifications. A captive insurance agent will serve only one insurance company. Thus a captive insurance agent has limited offerings. That is why it is important to also receive car insurance quotes from a independent insurance agent. An independent insurance agent is free to contract with and offer from many different insurance companies.

Call AlphaSure Affordable Insurance Svcs

In Laredo

AlphaSure Affordable Insurance Svcs
201 W Del Mar Blvd Suite 20
Laredo, TX 78041
Office (956) 729-9500
Fax (956) 729-9550
Click here for directions to our office in Laredo
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Now In San Antonio

AlphaSure Affordable Insurance Svcs
16500 San Pedro Ave Suite 296
San Antonio, TX 78232
San Antonio, TX 78232
Office: (210) 888-1750
Fax: (210) 564-9097
Click here for directions to our office in San Antonio
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TX Auto Insurance Agency | AlphaSure Affordable Insurance Svcs (alpha-insure.com)

Ask for discounts to lower your auto insurance premium amount (texas.gov)

Will My Homeowner’s Insurance Cover Flooding?

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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?

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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

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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

Posted on by admin

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?

Posted on by Fred Gonzalez
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?

Posted on by Fred Gonzalez
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

Posted on by Fred Gonzalez
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

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Home Insurance Stone Oak

Posted on by Fred Gonzalez
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.