Choosing a Home Base for Full Time RVers

Fulltime RV’ers tend to enjoy numerous advantages in Cullman, AL compared to the sizable house-bound population. As a full-time RV’er, you get the opportunity to travel and enjoy the sceneries, meet new and exciting friends, and relish new experiences. The most significant advantage of being a full-time RV’er is that you get to choose where you want to declare home. However, with a rigid legal system which assumes that people can only be stationary in their places of residence, selecting a home as a full-time RV’er is always a big challenge. Below are some factors you should consider when choosing your home base.

State Income Tax

This should be your number one consideration when selecting a home base. As a full-time RVer, you have some form of income. Some states will exempt tax on some types of income such as retirement income. However, the majority of state tax income in different states including Cullman, AL range between 3.0% and 13.3%. However, a no-income-tax state may cost you a bit higher when it comes to insurance premiums for your RV.

Consider Insurance

All the insurance including life, health, vehicle, and RV rates are usually based on your state of domicile. Insurance companies such as Insurance Solutions Inc. determine the insurance rates through complicated mathematical calculations based on many factors. All the insurance types can be adversely affected by the address you choose. Before you choose a state, be sure to compare the insurance rates and especially the health insurance rates.

Property Taxes and Vehicle Registration

Just like income tax, property tax tends to vary from state to state, and it can be an uphill task trying to compare the rates from different states. However, some states don’t charge personal property taxes. The personal property tax can be charged based on the value of your Recreational Vehicle or your tow vehicle.

Do you want to learn more about full-time RV’ing? Contact Insurance Solutions Inc. today for further details.

Facts to Know About Motorcycle Insurance

Just like auto insurance, for the motorcycle owners, holding motorcycle insurance is a requirement by the state. You will be required to have a motorcycle insurance policy for you to ride your bike in Cullman, AL. Owning a motorbike comes with many benefits including the fact that they are less expensive compared to cars. When you compare the buying price, maintenance, and fuel, you will realize that motorcycles are a great treasure and investment. You, therefore, have to ensure to keep your motorbike in good shape and to do this, proper maintenance is the key.

Despite the many advantages, motorcycles can at times be dangerous. No matter how safe and responsible you try to be, being on the road comes with a lot of uncertainties. It is, therefore, wise to have an insurance coverage to keep you protected and Insurance Solutions Inc. is here to help. However, there are some facts you need to know about motorcycle insurance  before choosing the right option for you some of which include;

Standard auto insurance does not protect your motorcycle

If you already have an auto policy, it is irrelevant when it comes to protecting your bike. You are required to buy liability insurance designed particularly for your motorcycle. If you are in trouble or you are pulled over by a police and you are needed to show your insurance proof, handing over auto insurance cannot help.

Liability policy does not pay for the damages you incur in an accident that was your fault

As the name implies, this coverage only caters for monetary damages for other individuals that get hurt from an accident that you caused. Any losses you incur during the collision do not count. You will need to buy a collision or comprehensive policy to protect your motorcycle.

Having uninsured or underinsured policy is a great investment

Consider buying this policy for your motorcycle to give you financial protection in an event where you are in an accident and the person at fault is not insured or is inadequately protected.

To learn more about motorcycle insurance in Cullman, AL, contact Insurance Solutions Inc. we can help you understand all you wish to know so that you can decide on which policy works best for you.

Facts to Know About Motorcycle Insurance

Just like auto insurance, for the motorcycle owners, holding motorcycle insurance is a requirement by the state. You will be required to have a motorcycle insurance policy for you to ride your bike in Cullman, AL. Owning a motorbike comes with many benefits including the fact that they are less expensive compared to cars. When you compare the buying price, maintenance, and fuel, you will realize that motorcycles are a great treasure and investment. You, therefore, have to ensure to keep your motorbike in good shape and to do this, proper maintenance is the key.

Despite the many advantages, motorcycles can at times be dangerous. No matter how safe and responsible you try to be, being on the road comes with a lot of uncertainties. It is, therefore, wise to have an insurance coverage to keep you protected and Insurance Solutions Inc. is here to help. However, there are some facts you need to know about motorcycle insurance  before choosing the right option for you some of which include;

Standard auto insurance does not protect your motorcycle

If you already have an auto policy, it is irrelevant when it comes to protecting your bike. You are required to buy liability insurance designed particularly for your motorcycle. If you are in trouble or you are pulled over by a police and you are needed to show your insurance proof, handing over auto insurance cannot help.

Liability policy does not pay for the damages you incur in an accident that was your fault

As the name implies, this coverage only caters for monetary damages for other individuals that get hurt from an accident that you caused. Any losses you incur during the collision do not count. You will need to buy a collision or comprehensive policy to protect your motorcycle.

Having uninsured or underinsured policy is a great investment

Consider buying this policy for your motorcycle to give you financial protection in an event where you are in an accident and the person at fault is not insured or is inadequately protected.

To learn more about motorcycle insurance in Cullman, AL, contact Insurance Solutions Inc. we can help you understand all you wish to know so that you can decide on which policy works best for you.

Insure Your Classic Car With Insurance Solutions Inc. in Cullman, AL

Do you own a classic car? If you do, then you need to insure your dream car against the dangers of the road, as well as the winter weather to come. Many car owners opt to put their car in storage during the cold months. This isn’t a bad idea, but did you know that your car may not be insured through your base level automobile insurance or homeowners insurance while it’s in storage. 

You need to act now to protect your classic car, and the best way to do that is to call Insurance Solutions Inc. in Cullman AL. The experienced staff at Insurance Solutions are well-trained and prepared to answer your insurance questions. In Alabama, your homeowner’s policy may cover your car if it’s parked in your garage, or if it doesn’t, your automobile coverage may help cover the costs. However, if your car is damaged or stolen while at a separate facility, you may be out of luck. That’s why you need to consider purchasing an extra layer of property insurance for your classic car. This added coverage will protect your car when it’s not on your property. You should also speak with the garage owner to make sure they have the proper levels of insurance. Many garages’ insurance policies will cover your losses, but only to a certain point. To make sure your car is fully insured, give a call to Insurance Solutions and find the policy that’s right for you. 

Stop by the Insurance Solutions location at 1331 3rd Street SE Cullman, AL. Or give them a call. You can reach them toll-free at 800-844-8726 or at 256-739-2329. Call today and see what they can do for you and your car. 

What Does Commercial Insurance Cover?

If you own a business and have invested money into items and structure which are used for business purposes, you need to invest in commercial insurance in order to protect your investment. Keeping careful records and purchasing adequate coverage is the best way to prevent losses due to a covered event.

How Much Commercial Insurance Do You Need?

In order to figure the total amount of coverage you need, you should take a careful inventory of all of your assets on the site of your business including any large equipment. Office supplies and other valuable items should be included in your business inventory. Make sure you save any receipts for covered items, as well as make copies of any appraisals or other official documentation which supports the value of covered items. Having this handy is a great way to make the claims process go much more smoothly and ensure you are able to get the money you need to begin getting back to normal.

Buying Coverage

Find a reputable company that can help you get the coverage you need. Gather all of your information including the lease or deed to the property where the business is located. You also may need information such as a number of smoke detectors, fire extinguishers, the location of fire hydrants, etc. in order to give you an accurate quote on the coverage. You should add up the total of your assets and pick the protection amount the is the next amount over the total amount of assets. For more information on commercial insurance in Cullman AL, Insurance Solutions Inc. can help you get the answers to your questions. 

Protecting your investment is one of the most important parts of owning a business. Keep thorough and accurate records of your belongings for insurance purposes so you can get back to normal quickly in the event of a covered incident. If you live in Cullman, AL, Insurance Solutions Inc. can get you started protecting your business today.

What Does RV Insurance Cover?

If you have purchased an RV, you may be looking to purchase RV insurance to protect your investment in the recreational vehicle. One of the questions that we at Insurance Solutions Inc. serving Cullman, AL, are frequently asked is what RV insurance covers. There are different types of coverage you can buy when buying RV insurance. Here are what the primary types of coverage covers. 

Collision

Collision coverage helps to protect you in case of an accident in the RV. If you hit someone or if someone hits you, this type of insurance helps to pay for the damage done to both vehicles. The exact amount varies based on the coverage level you select. If you own an RV, almost every state requires you to carry a minimum amount of collision insurance. 

Comprehensive

Comprehensive cover helps to protect against many of the types of damage that are not caused by an accident where someone collides into you. This may include acts of vandalism, theft, or even damage caused by storms. Unless you have a loan against the RV, you may not be required to carry comprehensive coverage. But it is a good idea to help protect your investment. 

Uninsured/Underinsured

The last type of coverage is uninsured/underinsured. This protects you in case someone who collides with your RV doesn’t have RV or auto insurance or doesn’t have enough to fully cover the repairs needed. This ensures you do not have to come out of pocket and pay for the damage they caused. Once again, the amount of coverage you have will vary based on the policy limits you select. 

If you are looking to purchase RV insurance in the greater Culllman, AL area, let Insurance Solutions Inc. help. Call us today for an estimate or to get answers to any questions you may have. 

Boat Insurance for the Unexpected

Boating is a great summer activity and proper insurance coverage adds the reassurance that if an accident occurs, you’re covered. Found in the Cullman, AL area, we at Insurance Solutions Inc. are ready to provide you with the boat insurance you need for peace of mind. Visit us and let us show you what legal requirements there are and what insurance packages might be available for you. Then get yourself out on the water and have some fun!

Whether your family loves sunning on the deck, or you like to cast a line out on the river, your boat needs more than just basic physical maintenance. Selecting a reliable insurance for legal and efficient coverage for your water craft is essential. This is why our independent agents know their state required coverage- to make sure you have the insurance that protects you in the event of an unexpected incident. 

Proudly serving the Cullman, AL area, we want everyone to have a safe and memorable summer of fun and adventure. Using safety equipment on board your boat just makes sense. Having the insurance coverage you need backs you up in case of an accident, too. There’s no need to second guess those needs, either. Our agents at Insurance Solutions Inc. can cover safety tips you may not know as well as insurance needs. Safety is part of our insurance business, after all. Also, if your current insurance is not satisfying your needs for coverage, then give us a call or stop in and ask some questions. Some of the experienced and dependable insurance policy providers we work with include MetLife, The Hartford, Progressive, Travelers, Guide One, ASI, and AARP. Contact us today.

Is My Boat Covered When It Is Out Of the Water?

Strangely enough, yes.

If you own a boat, especially a classic, it is common knowledge that other than all the fun on the water plenty of work awaits when the boat is on land. In some cases, that work may require a significant time of labor ranging from months to years. In this regard, as a boat owner, you should consider taking a coverage for “out of water port risk”. This is basically an insurance coverage that protects your boat as long as it isn’t launched.

However, the task sets in when finding the right policy for your boat. And that is why we at Cullman, AL, Insurance Solutions Inc. want to ensure to have the right information to enable you insure your boat correctly.
Taking coverage against out of port risk does not fall under your boat policy. Supposing the boat is attached to your truck, then your auto policy will cover you. Anytime you are transporting something, the vehicle policy is responsible. Unfortunately, your boat on transit will only be catered for if it is within the limits contained in the auto policy. So if you live in Cullman, AL it is advisable to clarify this aspect with an insurance agency.

On the other hand, a yacht policy will not cover any property damage, injury, and loss of life that takes place when the boat is out of the water. Your homeowner’s insurance may be of help but only if the boat is damaged while situated on your property.

Therefore, in order to fully protect your boat from terrestrial danger, an umbrella policy stands out as the best option. In case of an injury, an umbrella policy overrides both the auto and homeowners policies. If you possess a boat in Cullman, AL, it is not only an extra asset but another opportunity for risk. At Cullman, AL, Insurance Solutions Inc. we do our best to guarantee protection of your most valuable investment, contact us today!

 

 

Alabama Motorcycle Insurance Requirements

Alabama requires mandatory motorcycle insurance, just as it requires mandatory car insurance. A motorcycle owner must carry the legally required 50/100/25 liability insurance to drive on Alabama roadways. Going beyond the minimum requirements and carrying full coverage makes good sense though. In Cullman, AL, Insurance Solutions Inc. can help you understand coverage types and obtain the insurance you need.

What liability covers

Liability insurance covers injuries to the other parties in an accident and property damage for the other parties when you are at fault. The abbreviation 50/100/25 means the liability insurance policy covers up to $50,000 for bodily injury for each person involved in an accident, a maximum of $100,000 for total bodily injuries, and $25,000 for property damage. Keep in mind, the state minimum required insurance does not cover your injuries or property damage.

Full Coverage

The phrase full coverage refers to carrying all available types of vehicular insurance on a vehicle. These include:

  • collision,
  • comprehensive,
  • liability,
  • medical payments,
  • uninsured and under-insured motorist.

Collision covers damages to your motorcycle regardless of who caused the accident. You’ll only pay the deductible. Comprehensive covers non-collision items that could damage your motorcycles, like fire or theft. This also carries a deductible. Uninsured and under-insured motorist covers the damages to your motorcycle and your injuries if the other party caused the accident, but did not have insurance or their insurance insufficiently covers the damage amounts. Medical payment covers your injuries directly resulting from an accident up to your coverage limit.

You can pick and choose coverage to add to the minimum liability policy. In Cullman, AL, Insurance Solutions Inc. can help you determine which coverage type best suits you. Come by to discuss your motorcycle insurance needs.

How is the Value of a Classic Car Determined in Cullman, AL

The agents of Insurance Solutions Inc. understand how important it is to properly insure your classic car in Cullman AL. There are several things that must be looked at simply because many of classic cars are extremely unique when it comes to parts and maintenance.  

Establishing A Fair Market Value

A fair market value means what the car is actually worth in terms of materials, time, effort, and antique value. It’s often based on what someone would be expected to pay if the car was sold at auction or on a car lot. 

Original Or Standard Parts

Many older models have parts that are no longer manufactured. To replace these parts, you may have to find someone who specially crafts them. A classic car rarely has a reportable "book" value because car and its parts are no longer sold on a regular basis.

Under Construction

You may be able to cover your car under a "classic vehicle" policy while you’re still in the process of it. This will depend on the underwriter of the policy.

Weekend Warrior or Daily Use

One of the major factors is how often you drive your classic car. If you use the car daily, you run a greater risk of damage. If you only drive the car on special occasions or haul it to show, the risk of damage is much lower.

If you live in the Cullman AL area and are looking for an insurance agent who offers policies on classic cars in various stages of restoration, call Insurance Solutions Inc. The agents at the office can take a close look at your vehicle and determine exactly what type of coverage best suits your individual needs.