Cuellar & Associates ensures San Antonio families get the policy and coverage that best fits their needs at the right rate. Covering all the bases in your home policy is what we do best.
Our home and car insurance professionals will work on your behalf to make sure you get the right quote so your home and vehicles are protected with the best policy and coverage in San Antonio.
Coverage for natural disasters in San Antonio is just the start to what vehicle insurance and homeowner insurance policies should cover. Along with coverage for home and property damage, the right home & car insurance policy should include things like coverage for legal expenses and medical expenses.
For homeowners, the home is one of the biggest expenses and is typically the largest purchase made.
The costs to repair your home or replace your property in the event of damage in San Antonio could render a low coverage or low deductible policy inadequate. Ensuring that you have the right coverage so all damages to your home and property gets covered is critical.
Cuellar & Associates has a team of insurance professionals that are ready to help. We will look for the right level of coverage with the best rates and deductibles available on the market so you get the right insurance policy.
A quality home insurance policy should adequately cover damages incurred due to unforeseen events in San Antonio. The wrong insurance policy for homeowners could leave you unprotected at the worst possible time.
You could get good rates at the start of your insurance policy but it can take weeks and months to get the help with a claim.
In the event of a natural disaster or other events, make sure you have the proper coverage in San Antonio including:
The physical dwelling of your home This includes the structure of your home like the foundation, cabinets, counters, and appliances like dishwashers and heater that are built into the home
Structures besides your home This could include things like sheds, fences and garages.
Personal Property This protects and covers the repair or replacement of personal items that are inside your home. This includes, but is not limited to items such as clothing, jewelry, furniture and electronics. Personal property coverage is a standard part of your homeowner’s insurance policy.
Other Expenses This may include medical expenses as well as meals and hotel costs while your home is under repair.
Insurance coverage for collisions is a minimum requirement for a policy but additional coverage for a rental car and medical bills should also be considered when choosing your policy. The right home & auto insurance in San Antonio can be hard to find, but with over 20 years experience, we are experts at finding the best insurance rates for our clients.
We are experts in San Antonio and across the state of Texas. Partnered with over 100 insurance companies, Cuellar & Associates can find the best policy for your budget.
Here is what you should see on your coverage when we provide a quote for your auto insurance:
In terms of car insurance, liability coverage refers to damage done to someone else or their property, while protection refers to you and what you own.
Collision: Regardless of fault, number of cars involved, or what property damage was caused, car insurance policies should cover any and all damage to your vehicle
Comprehensive: This is the type of damage not caused by an auto collision. For example, a tree branch falls on your car or a San Antonio hailstorm damages your car.
Uninsured Motorist: Motorists without adequate coverage can affect you financially, despite the fact that you may have insurance, their insurance could be lacking and you may have to accept what their insurance company agrees to pay based through the driver’s policy limits or lack of insurance.
Property Damage Liability: This type of coverage in your insurance refers to damage done to others’ property with your car. Whether that is another car or property
Personal Injury Protection: This coverage refers to the injuries you receive in the event of a collision, making it one of the most important aspects of your auto coverage.
Bodily Injury Liability: Injury caused to others in the event of a collision. A tough situation to be in if you yourself have injuries. A comprehensive policy should quote you bodily injury liability without question.
Since there are many factors about your home and vehicle(s) that can affect your policy quote for insurance in San Antonio, providing ranges of numbers here would not be an accurate representation of what your policy would look like. Instead, we suggest starting a conversation with one of our insurance professionals so we can find the right policy that is personalized to meet your budget and coverage needs.
In most cases, an insurance bundle that includes your home and vehicles is more cost effective and saves you money in the long-term.
We are experienced at helping our clients get the right insurance coverage plans that include home insurance and vehicle insurance. Contact us today to get the most accurate quote and policy so you are protected.