mobile-navigation Skip to content

HOW CAN WE HELP YOU?

Click to Call (Laredo) Click to Call (San Antonio)

201 W Del Mar Blvd, Suite 20
Laredo, TX 78041

Get Directions

7550 W Interstate 10 Suite 800-815
San Antonio, TX 78229

Get Directions

AlphaSure Affordable Insurance Svcs Blog

Author: admin

Businesses and Professions That Should Consider Umbrella Insurance

Posted on by admin

Individual and commercial insurance policies have coverage limits that cap their payments, but umbrella insurance extends those limits and provides other benefits. Given the value of umbrella insurance, many businesses and professions would benefit from its protection, particularly because it is inexpensive. If you have questions about how umbrella insurance works or can help you or your company, consider AlphaSure Affordable Insurance Services, serving the Laredo and San Antonio, TX, areas.

Which Professions Need Umbrella Insurance?

Businesses generally carry liability insurance to protect against potential injuries to customers or others who enter the business’s facilities. Physicians, accountants, and others risk having clients fall or suffer other injuries during office visits. Similarly, stores, restaurants, auto dealers, and others that invite the public into their premises risk similar accidents. Potentially, an accident could occur in which the liabilities exceed the limits of their base liability policy, in which case the business or professional must pay the difference out of pocket if they do not have umbrella insurance.

Businesses that work on others’ property benefit from umbrella insurance. Contractors, plumbers, and electricians risk damaging property or injuring others when working onsite. Likewise, delivery businesses and those operating vehicles for other reasons face liability for damage or injuries in motor vehicle accidents.

Besides potentially exceeding policy limits, some businesses must carry umbrella insurance to meet their contractual obligations with government agencies or private companies. Finally, businesses that potentially face legal action for libel, slander, or other actions can benefit from umbrella insurance.

Working With AlphaSure Affordable Insurance Services

AlphaSure Affordable Insurance Services serves the insurance needs of individuals and businesses in the Laredo and San Antonio, TX, areas. Call us to schedule an appointment today in San Antonio at (956) 729-9500 or Laredo at (210) 888-1750.

Can My Home Insurance Agent Help Me Get Flood Insurance?

Posted on by admin

Flood insurance can provide you with protection from financial liability in the event of a flood. Many people secure flood insurance when living in an area considered high risk for floods. If you have a mortgage, flood insurance may be a requirement, depending on where you live.

AlphaSure Affordable Insurance Services, servicing San Antonio, TX, can assist you if you need flood insurance. In this article, we’ll discuss what flood insurance is and how you can get flood insurance.

What Is Flood Insurance?

Flood insurance covers damage from floods. Standard homeowners insurance policies do not provide this coverage, so having flood insurance is important. Flood insurance is provided through a government program that partners with private insurance companies to ensure that this type of insurance is available to people who need it.

Reasons to Get Flood Insurance

There are many reasons to get flood insurance:

  • Your mortgage lender may require you to get flood insurance if you live in an area that is at high risk for flooding. People with government-backed mortgages are required to have this type of insurance if they live in a high-risk area. Private insurers may require it as well.
  • You are concerned about flood risk and would like to increase insurance coverage for your home.

How Can I Get Flood Insurance?

Getting flood insurance is relatively easy. Although the federal government administers the program, people can get a policy through their insurance agent at AlphaSure Affordable Insurance Services, which serves San Antonio, TX.

We offer excellent customer service to make the process of getting an insurance policy less stressful. Call today to learn more about flood insurance.

When should you review your home insurance?

Posted on by admin

Home insurance is not a one-time setup. It needs periodic reviews and adjustments to reflect life changes. At AlphaSure Affordable Insurance Services in San Antonio, TX, we work with our clients to ensure that coverage is always aligned with their needs.

When Your Policy Renews

Upon renewing your policy, you will typically receive a copy, whether in paper or digital form. The declaration page at the top provides a summary of your coverages. Review these figures to ensure that they correspond with your expectations and needs.

When You Upgrade Your Home

If you’ve renovated or made additions to your home, it should be reflected in your insurance coverage. Should these enhancements significantly increase the value of your home, your coverage needs to be augmented to account for the new replacement value.

When Your Premium Increases

If your premium increases, scrutinize your declaration page and compare it with the previous year’s. Identify the differences, and if they do not seem justified, contact your insurance agent for clarification.

When reviewing Your Deductibles and Limits

You may need to check whether your jewelry or electronics are sufficiently covered. You might also want to consider adjusting your deductible. Review all aspects of your policy.

When it’s time to renew your home policy, contact AlphaSure Affordable Insurance Services in San Antonio, TX. As independent insurance agents, we can provide you with more options.

What Every Renter Should Know Before Signing the Lease

Posted on by admin

Nowadays, renting has become a preferred lifestyle choice for many people. For some, it is a stepping stone towards homeownership. Regardless of your reason for renting a home, there are certain things you should be aware of before signing that lease. If you are renting or contemplating renting in or around San Antonio, TX, renters insurance can play a pivotal role in safeguarding your belongings and more. People primarily rely on the AlphaSure Affordable Insurance Services team for their renters’ insurance requirements.

Know Before You Sign the Lease

Moving into a new place can be an exhilarating experience, but make sure to do your homework before signing anything. Here are a few prerequisites before you put pen to paper.

Peruse the Contract

We’re often reminded to read the contract when purchasing a vehicle, phone, or internet connection. This is undoubtedly good advice, but it’s critical when leasing a space we’ll call home. So, this can’t be stressed enough: read the contract before you sign the rental agreement.

Safeguard Your Deposit

Make sure you thoroughly understand the terms and conditions of your deposit. Many people use it as a down payment for their next rental, so don’t forfeit your deposit due to a lack of understanding.

Grasp the Insurance Terms

Whether you’re renting a home or a unit in a building or complex, it’s necessary to know what the owner’s property insurance covers and excludes. In most situations, it doesn’t cover your personal property and valuables. Renters insurance proves invaluable during cases of theft, fire, flood, or other forms of loss or damage.

To learn more, contact our AlphaSure Affordable Insurance Services team today to arrange a meeting for the comprehensive renter’s insurance protection that San Antonio, TX, residents need.

Getting On the Road To Recovery After an RV Accident

Posted on by admin

Recovering from an RV Accident: A Guide

When your mobile sanctuary gets into an accident, your first priority might be getting it back on the road. At AlphaSure Affordable Insurance Services in San Antonio, TX, we offer RV insurance policies and can help you through recovery.

Recording the Incident

Start by documenting the scene of the accident as carefully as possible. Take photos or videos, capture the location and extent of damage to your RV, and collect contact and insurance details from others involved and any witnesses. This is all crucial information for your claim.

Inform Law Enforcement

Report the incident to local law enforcement, regardless of its perceived severity. Their report offers an independent perspective on what happened and might be needed for your claim.

Inspection for Damages

After making sure everyone is safe, examine your RV for any damages. Make a detailed list of any affected belongings to speed up your claims process.

Health Check

Accident injuries may not be immediately apparent. It is crucial to seek medical attention promptly after an RV accident. Additionally, having medical records can be important for your claim.

Contacting Your Insurance Company

Inform your insurance company about the accident as quickly as possible. The sooner they know, the sooner they can start processing your claim and gathering the necessary documents.

RV Insurance: Be Ready for Accidents

Having a well-rounded insurance policy is a vital aspect of RV ownership. At AlphaSure Affordable Insurance Services in San Antonio, TX, we will develop a suitable policy for you and guide you through the claims process after any possible accidents. Contact us to learn more and receive a quote.

How is Motorcycle Insurance Different From Auto Insurance?

Posted on by admin

Is motorcycle insurance significantly different from auto insurance? While both types of insurance provide coverage for transportation owners in situations of loss, theft, or damage, motorcycle insurance is designed more specifically for the needs of motorcyclists. For instance, motorcycle insurance tends to be cheaper than car insurance. This is because auto insurance often covers passengers in situations of personal injury or bodily harm, while a motorcyclist typically only needs coverage for a solo ride. Even though auto insurance is more common in the states, motorcyclists can still find motorcycle coverage in bundled insurance packages. At AlphaSure Affordable Insurance Services, we offer both motorcycle and general auto insurance.

Motorcycle insurance is geared more towards on-road collisions experienced by bikers. If a biker has recently experienced a personal injury from an accident, then they can expect to find coverage for medical bills. If you live in an area prone to theft or vandalism, having your motorcycle insured with crime-protection policies is a good idea. Most motorcycle insurance plans cover theft, vandalism, or other financial losses.

Liability coverage is often included in motorcycle insurance. On-road collisions can often lead to legal disputes, where drivers or riders attempt to pinpoint who’s at fault. Third-party coverage is highly recommended for motorcyclists.

Finding Motorcycle Insurance in San Antonio, TX

Are you interested in getting your motorcycle insured? Contact AlphaSure Affordable Insurance Services at 210-888-1750. Our insurance agency can provide you with a quote or schedule an appointment. In addition to motorcycle insurance, we provide auto, RV, boat, and more insurance. Our insurance plan covers collision damages, property losses, and medical bills. Feel free to ask our agent about any additional policies for the motorcycle insurance plan. We’ll be happy to answer any of your insurance-related questions.

How to Get the Most Out of Boat Ownership

Posted on by admin

You’re getting ready to purchase a boat. Are you prepared for the responsibility? Boat ownership can be a lot of fun but also carries serious responsibilities. You’ll want to pay attention to your new responsibilities to get the most out of your new boat. Here at AlphaSure Affordable Insurance Services, serving the San Antonio, TX area, we are delighted to help educate you on this topic.

Take a Boat Safety Class

Even if you think you know everything there is to know about boats, it’s a good idea to take a boat safety class once you’ve purchased a watercraft. Chances are you’ll learn something you didn’t know before, and it could be an important piece of information that could help you out one day. 

Stock Up Your First Aid

A smart boat owner will have a fully stocked first aid kit on their boat. When you’re out on the water, it can be challenging to get help if there’s a problem. A first aid kit will provide you with some supplies to get a medical emergency under control as you try to make it back to land.

Purchase Life Jackets

You need to provide enough life jackets for the maximum number of people you’d want to take out at a time. This is an important step that could save a life. You should purchase the life jackets and insist your passengers wear them.

Get Insured

You’ll also want to ensure that your boat is adequately insured for the minimum legal requirements in your area and for the investment you’ve made in the boat.

If you’d like to learn more about boat insurance, please contact us today at AlphaSure Affordable Insurance Services, serving San Antonio, TX, and the surrounding areas. 

Who would benefit from getting an umbrella insurance plan?

Posted on by admin

Liability risk is something that all people in the San Antonio, TX, area need to take seriously. One of the best ways for those in this area of Texas to properly manage their personal liability risks is by getting an umbrella insurance plan. This is a blanket type of coverage that can be a great addition to a personal insurance plan. There are various situations when someone will benefit from an umbrella insurance plan. 

Those with Unique Risks

A situation when someone will want to have an umbrella insurance plan is when they have unique risks. Most people will have coverage for liability through auto and home plans. However, those plans will not cover all personal liability risks. There are some other risks as well that should be considered and covered, which could be protected by an umbrella policy. For example, if you are at risk of libel or slander, you will want to have an umbrella insurance plan to cover these risks. 

Concern over Major Claims

There is also a risk that a personal liability claim could exceed the coverage that you receive through other plans. Any insurance policy will have a coverage limit. Unfortunately, there is a chance that a claim could exceed your policy. Fortunately, you will have additional coverage if you have a full umbrella insurance plan. 

An umbrella plan can be beneficial if you are in the San Antonio, TX, area. If you would like to manage your personal liability risks properly, it would be smart to start your search by calling our professionals with AlphaSure Affordable Insurance Services. If you do work with our team at AlphaSure Affordable Insurance Services, you will get any help you need to build a new plan that will keep you adequately covered. 

Why Everyone Needs Flood Insurance

Posted on by admin

Choosing to protect your home with flood insurance is no longer just an option but a critical requirement for homeowners. If you have not considered it, now is the perfect time to safeguard your home from flood damage. For further information about flood insurance, contact us at AlphaSure Affordable Insurance Services in San Antonio, TX.

Differentiating Home and Flood Insurance

One of the key reasons why flood insurance is required is that your standard homeowner’s insurance policy does not cover flood damage. If a flood damages your home and you do not have flood insurance, you alone are accountable for all resulting costs. Given that floods can cause extensive and costly damage, even to the point of total destruction, maintaining both a standard home policy and flood insurance is the best way to ensure comprehensive protection and peace of mind.

The Role of the National Flood Insurance Program

By backing flood insurance, the National Flood Insurance Program ensures adequate coverage, even in widespread severe flooding. This government-backed program eliminates concerns about securing insurance and its availability post-flood. The program even allows for rebuilding a home if a flood destroys it. Given that floods can occur almost anywhere, whether you’re in a designated flood zone or not, it is prudent not to forego this coverage.

Stay Prepared with Flood Insurance

Don’t leave your financial security to chance. Secure flood insurance to protect your financial assets. To start the process, call us at AlphaSure Affordable Insurance Services in San Antonio, TX.

Will Mold Issues Be Covered By Home Insurance?

Posted on by admin

Mold issues can be a concerning and potentially costly problem for homeowners. At AlphaSure Affordable Insurance Services, serving residents in the greater San Antonio TX area, we’re here to shed light on whether mold issues are covered by home insurance.

Mold Coverage Limitations

Most standard home insurance policies have limitations when it comes to mold coverage. While policies typically cover sudden and accidental water damage, such as that caused by a burst pipe or sudden appliance leak, they may not cover mold growth resulting from long-term neglect, maintenance issues, or gradual water seepage.

Policy Endorsements

Some insurance companies offer optional endorsements or riders that can be added to a home insurance policy to provide additional coverage for mold-related issues. These endorsements may include coverage for remediation costs associated with mold removal and damage repair.

Exclusions and Limitations

It’s essential for homeowners to review their insurance policies carefully to understand any exclusions or limitations related to mold coverage. Policies may have specific exclusions for mold-related damage, especially if it’s deemed to be the result of ongoing neglect or lack of maintenance.

Prevention and Mitigation

Preventing mold growth and addressing water damage promptly are crucial steps in minimizing the risk of mold-related issues in your home. Taking proactive measures such as maintaining proper ventilation, repairing leaks promptly, and controlling indoor humidity levels can help reduce the likelihood of mold growth and potential insurance claims.

Partner with AlphaSure Affordable Insurance Services

At AlphaSure Affordable Insurance Services, we understand the importance of comprehensive insurance coverage for your home. Our experienced agents can help review your policy, understand your coverage options, and tailor a plan to your specific needs and budget. Call us when you need home insurance in the greater San Antonio TX area.