Do I Have Enough Accident Coverage?

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There are many types of auto insurance coverage options available, which leave many wondering if they have enough accident coverage. The experts at Ellis Insurance Agency understand the need for accident insurance and do not want San Antonio, TX, residents wishing they had more coverage after an accident. When shopping for an insurance policy, make sure to discuss your options with your insurance agent and ensure you have enough coverage in the event of an accident. 

Below are the different coverage options you will benefit from having when in an accident:

Bodily Injury Liability

This coverage pays for the damage caused to someone else’s property and injuries when you are at fault. For example, if you caused an accident and are sued for the damage, this policy covers your court costs and legal defense. Additionally, liability coverage pays for the other person’s medical bills, lost wages, and compensates for pain and suffering. 

Collision Insurance

This coverage pays for the damages caused to your vehicle after being in an accident with another car or object or in the event of a rollover. 

Medical Payments

This coverage, often called personal injury protection, pays for medical bills and funeral expenses when the policyholder is injured in an accident. This policy may also provide coverage for lost wages and other related costs associated with the accident. 

Uninsured Motorist

This policy covers you if you are hit by a driver who does not have insurance coverage or enough insurance coverage to pay for your damages. 

Do not wait to discover you do not have enough San Antonio, TX, accident insurance coverage. Instead, call the experts at Ellis Insurance Agency today to learn about the different coverage options and which one is best for your needs. 

How Old Is Your Roof?

Posted on by Ashley Ellis

When it comes to your roof, age matters at claim time.

Over the past several years, with increasing hail and wind storms, insurance companies have begun to automatically assign a Roof Schedule for roofs that are 15 years and older with Actual Cash Value (ACV) coverage instead of the recommended Replacement Cost Value (RCV) coverage.  In many instances, a lower premium may result, but you could get caught without sufficient financial resources when it comes to loss.

What’s the difference between ACV and RCV?

ACV: Your insurance company will pay the actual cash value of your roof at the time of a covered loss. This means the actual cash value minus your deductible amount minus the depreciation cost according to the age of your roof. Generally, the older your roof, the higher the amount depreciate or not covered under your policy.

RCV: Your insurance company will pay the replacement cost value of your roof at the time of a covered loss. This means the replacement cost value minus your deductible. There is no deduction for depreciation under the RCV valuation method.

In conclusion, the older the roof, the more deducted for depreciation. Do you know how old your roof is? If you know that your roof is 15 years or older, please let us know, we can tell you if your roof is covered at Actual Cash Value or Replacement Cost Value.  If you have updated your roof, please let us know so we can add that to your policy.  This could be the difference in saving thousands of dollars in the case of wind or hail damage.

Please watch the video below for more information!

CISSA Stuff the Bus 2021

Posted on by Ashley Ellis

We are so excited to support CISSA Stuff the Bus for our 6th year in a row!

Ellis Insurance Agency is proud to support Stuff the Bus School Supply Drive for over 6 years! The goal of the campaign is to help under served students throughout Bexar County get the tools they need to succeed in school and in life. Since COVID-19, CISSA (Communities in Schools San Antonio) is trying to raise $225,000 in lieu of school supply donations this year. Please help us reach our goal of $500 which can supply half a classroom!

Why is Stuff the Bus important?

The Communities In Schools’ (CIS) Stuff The Bus School Supply Drive is one of city’s largest school supply drives that serves thousands of under-served students and families. Many of these families are below the poverty line and cannot afford all the supplies their children need to start their school year. The funds raised through this event will be given to about 150 CIS partnering schools (elementary-high school) across 12 school districts to purchase supplies for any student in need at that campus. The Stuff The Bus School Supply Drive helps to alleviate the stress of back-to-school expenses and allows students to focus on their education with the tools they need to be successful.

What can your donation provide?

Want to donate?

Please visit our personal fundraising page where we are trying to raise $500 by clicking HERE.

Thank you for your support and continued trust in Ellis Insurance Agency.

Advantages of Home Insurance

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A home is a valuable investment for all homeowners. This brings the need to protect it from disasters like fire and theft, using various home insurance coverage. To avoid a significant financial loss, Ellis Insurance Agency of San Antonio, TX explains the advantages of having home insurance.

Protect Contents in Your Home

Apart from protecting the external structure of your home, insurance covers the contents inside as well. This means that in case of a fire, water damage, or theft and your valuables are either stolen or damaged, home insurance will compensate you for the costs of repairing or replacing property.

Peace Of Mind

No matter the amount of financial security one has, ensuring their home is secured will give them peace of mind. Home insurance offers a sense of security to homeowners by seeing that they are compensated after a loss.

Provides Temporary Living Expenses

Your house may suffer severe damage to the point it becomes uninhabitable. This will require you to find alternative shelter till your home is restored to its original state. Home insurance will help cover the cost of the temporary expenses, including accommodation costs, travel expenses, and meals.

Protect Your Family

Home insurance also provides family coverage. If any of your covered family members cause an accidental bodily injury or property damage to a third party, home insurance can help compensate for those losses. It can be by covering medical bills or the cost of repairing damaged property.

Protect You From Lawsuit

Depending on the policy you have chosen, you can protect yourself or your family members from lawsuits. If someone accidentally gets hurt or their property gets damaged in your home, a home insurance policy will help you cover legal fees or compensate the third party for the damage.

If you are shopping for home insurance to enjoy the benefits mentioned above, you can give us a call at Ellis Insurance Agency. Our San Antonio, TX agents will take you through the different policies and help you choose a suitable one.

How Commercial Insurance Benefits Texas Business Owners

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Ellis Insurance Agency provides coverage to the San Antonio, TX community. For over 30 years, we have helped the local community find the coverage they need to protect their assets and minimize risks. We will do a thorough assessment of your individual situation to ensure that you find a policy that aligns with your needs.

Why Commercial Insurance Is An Asset For Texas Business Owners

The San Antonio, TX community is home to several thriving businesses. As a business owner, you are constantly looking for ways to stand out from the competition. Commercial insurance protects the long-term future of your business. Here are a few ways that commercial insurance can help your business.

Prevent Serious Losses

Commercial insurance covers your business if your equipment breaks down or your property is vandalized or damaged due to a natural disaster. If the damage is severe, business interruption coverage will protect you if you have to cease operations for a few weeks until your business is repaired. Commercial insurance can prevent you from losing everything.

Makes Your Business More Credible

Having a strong commercial insurance policy increases your business’s credibility. Your business will become more appealing to potential customers because they will have peace of mind in knowing that your business is protected.

Safe Working Environment

Your commercial insurance policy should include worker’s compensation. Worker’s compensation protects your business and your employees if there is an injury in the workplace. A strong worker compensation policy helps promote a safe work environment. This should help you attract the best talent when you have job openings.

Ellis Insurance Agency Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.

New Website, Who Dis?

Posted on by Ashley Ellis

See what’s new, what’s updated, and what will stay the same.

We are excited to announce the launch of our long-awaited, user-friendly, and updated website! Let’s discuss all the new features + how mobile and tablet – friendly it is below:

Home Page

Our Home Page features a quick “Get A Quote” tab with a drop-down menu of all the different insurance we write. You can easily access any of our social media sites (Instagram, Facebook, LinkedIn, Twitter, and YouTube) from the top left corner as well as “Email An Agent” or “Call” if you are using a mobile-friendly device. As you scroll down, you can learn more about different Personal and Commercial Insurance by clicking directly on the featured image. Underneath all of that, you can learn about Ellis Insurance Agency and see all the insurance carriers who we work with. We hope you like it so far!

Our Agency

When you click the Our Agency tab, you will find personal information About Us – how EIA got started, you can Meet The Team, check our our Community Involvement, see our Local Partners, and read Testimonials from our clients.

Insurance

You will find all of the different types of Insurance we write, as well as good information about each, under the Insurance tab. Can’t find what you’re looking for? Just ask! We might be able to help guide you for even more specific insurance like Food Truck, Ride-Share, Pet insurance, and more!

Customer Service

This is one of our most FAVORITE new features. The Client Center. This was designed specifically for YOU. You can login to the Client Center with the email you have under your policy(s) with EIA to access your information. Do you need to make an update to your info? You can do that right here in the Client Center! Don’t worry – before anything is solidified, your agent will receive a request for what you changed/updated or what you are looking for, and will contact you. You can also download documents, request ID cards, view your insurance policies, and more. Sound cool? Try it out by clicking HERE!

We also have a Contact Your Carrier page where you can find updated contact information for every carrier we write with.

Get A Quote, Blog, and Contact US

Get a FREE quote instantly by clicking on any of the type of Insurances listed under Get A Quote tab.

You can easily access our Blog and see what Ellis Insurance Agency is up to! We will feature our Referral Winners, EIA Insider updates, and more under our EIA Blog.

Find all of our contact information and where we are located by clicking Contact Us.

We hope you love the new website as much as we do. We are in the Business to Help People, so please let us know if you have any comments or changes you’d like to see!