If you live in the city of Cullman, AL, you know that the seasons change, and with them changes the weather, which can have ramifications for your home and its structure. This, in turn, can have an impact on your needs where home insurance is concerned. Though the weather changes are less extreme in Alabama than they are in some of the northern states, they are still there. With autumn and particularly the shortly following winter, there will be many weather hazards that can have an effect on your home and the belongings within.

One thing that you should keep in mind for the autumn is that leaves, as well as other dead vegetation, will accumulate around your property. In addition, it can get rainy, meaning that you should clear that debris out of your rain gutters to avoid water backup issues (which would not be covered by home insurance). If it instead gets hot and dry, the debris can be a fire hazard. Additionally, insects and animals can start seeking winter shelter in your home in the cooler months. The damage caused by pests, such as insects, rodents, and birds, is generally not covered in home insurance policies. Additionally, you should make sure that you and your home are prepared for the winter; you should make sure that your heating system is functional and that your pipes are not susceptible to freezing damage (also not covered).

If you have questions about how to prepare for autumn in terms of your home and home insurance, you can come to Insurance Solutions Inc. for all of the answers that you need. Insurance Solutions Inc. has many agents who can give you all the information that you need about home insurance in the autumn in Cullman, AL.

A matter that is imperative to homeowners of all kinds, finding good quality home insurance can be more difficult than it seems. Indeed, with an abundance of insurance companies presently on the market, it can be hard to find one that offers reasonable rates and excellent customer service, among other things. With that said, are you looking to purchase a home insurance policy in the Alabama area? The following is an overview of top 3 reasons to get home insurance in Alabama. 

Protect Against Disasters

Although there is no real way to prevent disasters from happening, there is a way to ensure that your belongings are covered in case they are damaged or destroyed. An area that has been a victim of every kind of disaster from earthquakes to hurricanes, it is never a good idea to be without home insurance in the state of Alabama. 

Protect Against Robbery and Theft

Another great reason to get home insurance is to protect against things such as robbery and theft. No matter how good your neighborhood may be, robbery and theft is always possible. Your house is literally filled with a lifetime worth of valuables, trinkets, possessions, and memories. Although some things can never be replaced, it is imperative to have something in place to protect the things you can. 

Protection from Lawsuits

Lastly, one of the top reasons to purchase a home insurance policy is to protect yourself and your estate from lawsuits. For instance, if someone is injured on your property, they can sue. However, if you have a home insurance policy, this individual will be awarded based on the limits of your policy. 

If you are looking for quality home insurance in Alabama, Insurance Solutions Inc. is glad to serve you! 

You spend a lot more time in your closet than you probably realize. If it is not organized, you are probably unhappy with the way it looks. That is because a closet can become a final destination for many items and it can easily get out of hand. To fix these issues in your closet, take advantage of our closet organization tips and contact us at Insurance Solutions Inc. for all of your insurance needs.

• Take advantage of the space you have by creating shelves. If you have a closet that has a lot of extra room near the ceiling but there are no shelves, then you need to take advantage of that area and make it useful. The best way you can do this is by installing shelves in the closet. You can then use them for all sorts of things including storage, places to keep purses, and other things. 
• Use an over the door shoe rack for all of your shoes. If you are like most people, then you have shoes all over your closet floor. They may be in one area or they may be all over the place. No matter the case, this is a terrible way to use that floor space and it can really make a closet look cluttered. Put all of your shoes on an over the door shoe rack to get them out of the way and free up a lot of floor space.
• Use tiered hangers to get more clothes in your closet. You can only put so many hangers in a closet which means you can only put so many clothes in there. If you are using hangers that only hang one item of clothing, you are wasting space. Use tiered hangers to see how much mire room you actually have.

Cullman values their homes, and understands just how much work needs to be done to maintain them. Spring cleaning is difficult to get started, but necessary for a healthy lifestyle (and even rewarding once you’re done.)

1. First Things First 

Don’t limit yourself right off the bat by not taking the time to set up everything you need. It’s not going to motivate you when you realize you can’t remember where you put the feather duster that cleans the ceiling fans. Put everything you need right in front of you before you start. 

2. Up, Down and Around  

Start at the top so anything that falls to the ground gets cleaned up last. When you’re going around a room, start with the cleanest parts of your home so you’re not pushing the bacteria around as you move. 

3. Learning to Purge 

It’s going to be rough, because everything you’ve kept, you’ve kept for a reason. However, you can still preserve your memories without letting your home become storage for everything you might have accumulated over time. Speaking of storage facilities, you can always invest in one if you can’t bring yourself to toss it. 

4. The Fabric Of Our Lives

Starting with your closet can actually be your best chance of finishing the rest of the project. These are often the messiest places in the house, so seeing it organized again can be enough of a boost to keep going. 

5. Entire Protection for Your Home

Insurance Solutions Inc. wants everyone in Cullman, AL to enjoy a dust and germ-free experience when they’re at home, but total safety calls for total coverage. Give us a call today when you need a quote or even if you need answers about your current policy and how you can improve it. 

 

It is important to protect your home as well as your home-based business in Alabama. While you may think that you are doing everything the best that you can, it may not be that way. Homeowner’s insurance offers a variety of coverage options and you may not be able to go with the basics simply because you do have a home-based business inside.

Many homeowners and business owners make the assumption that homeowners insurance covers everything within the home. However, it doesn’t account for the fact that you are running a business or it this means you may need to add coverage and potentially even look at other types of insurance to provide full protection.

Business property coverage is one of the most important aspects. You may have computers, merchandise, and various other items that are dedicated to the business within your home. Having this coverage can provide protection against their loss.

General liability coverage is also important, particularly if someone ever filed a lawsuit against you as a result of injury or even negligence.

If you have any employees, employment practices liability coverage can be extremely important. Otherwise, you could be at a financial loss if you face allegations of wrongful pay, termination, or other aspects.

The type of business you have is going to be important. You may have clients visiting you on a regular basis or you may not. You may have a car for business and this could require business auto coverage as well. It is best to sit down with an independent insurance agent and discuss all of the nuances of your business in order to determine the best coverage.

At Insurance Solutions Inc. we are here to help you protect your home-based business. Call us today and one of our agents can walk you through the entire process.

 

 

Anytime you move, there are lots of tasks to be done. Packing, unpacking, switching your utilities and forwarding your mail are just a few of the things you must see to. One additional item that should be on your to-do list anytime you move, including when you move in with a new roommate, is to call an independent insurance agent who sells renters insurance.

Your Insurance Needs Might Change

Whenever you move, your insurance needs may change. For instance, selling old furniture and purchasing new furnishings could change the amount of personal property coverage you need. Additionally, you might want to buy more or less liability coverage, medical payments coverage or loss of use coverage.

You should always have a renters insurance policy that meets all of your needs, so it’s important to review your coverage each time you move. If your current policy isn’t adequate after your move, you’ll need to shop around for a new policy. Unfortunately, you can’t simply rely on your roommate’s insurance to provide you with the additional coverage you need, because their policy likely won’t cover you.

Independent Insurance Agents Can Help

Assessing your insurance needs, reviewing your policy and shopping for a new one can be challenging on your own. Independent insurance agents, however, are trained and licensed to help people with precisely these tasks. Calling them every time you move is an easy way to quickly review your policy and shop for a new one, if one is needed. It’s the simplest way to make sure you’re always properly protected.

If you’ve recently moved to a new apartment in Cullman, AL and haven’t talked with a renters insurance agent who is licensed in Alabama, contact us at Insurance Solutions Inc. We have independent insurance agents who can help you. To get in touch with them, reach us through our website.