What Does Basic RV Insurance Cover?

People who are new to purchasing RV insurance, or who are considering buying an RV in the near future, may be wondering what basic RV insurance actually covers. It is important to understand how RV insurance works and exactly what it covers during an accident or other covered incident.

RV Insurance

RV insurance works pretty much like traditional auto insurance. It covers liability and includes comprehensive and collision. Any damage to the structure or the engine is covered and if there is a theft or other issues, it will be covered as long as there is basic full coverage. Keep in mind, however, that basic coverage may not be enough for some RVs with a higher price tag. Additional insurance may be purchased to cover the difference and to cover any contents and personal belongings inside of the RV. 

Securing Good Coverage

When purchasing RV insurance, you want to make sure that you work with an insurance company that can point you in the right direction and offers insurance products that match the current need. Residents who live in or around the Cullman, AL area can depend on Insurance Solutions Inc. to provide them with the important information and details they need to make an informed choice. The agents are highly knowledgeable and can help sort through the options to make the process of finding RV insurance easier.

Call or stop by the office of Insurance Solutions Inc. serving the residents in and around the Cullman, AL area. Get the peace of mind necessary to be able to enjoy the open road and feel secure knowing that solid insurance coverage can protect from losses and other threats. 

Check your insurance before you hit the trails on your ATV

ATVs provide a lot of fun during Alabama springs and summers, and before you get out on the trails and fields it makes sense to double check your ATV insurance. The team at Insurance Solutions Inc. is proud to provide our friends and neighbors the insurance coverage that they need to protect themselves and their families. If you are an off-road enthusiast who rides on private property you may think that ATV insurance isn’t necessary. Property damage and injury can happen whether you are on public or private land in the greater Cullman, AL area, and it’s always a good idea to have adequate protection in place.

Protect yourself while having fun

If your ATV is damaged, or you or a passenger are injured while operating an all-terrain vehicle, it makes sense to have protection from any liability or damage. ATV insurance policies can help to protect you from the theft or damage of your vehicle. Depending on the policy, you may also have coverage if you or a passenger are injured. If you enjoy spending time in the outdoors riding ATVs you can increase the fun with having the peace of mind that comes with knowing that you are protected in the event of a mishap or another accident. Don’t leave yourself open to liability or other headaches caused by your ATV, meeting with an insurance agent to review your options is the smart move.

Are you wondering if you have the coverage you need to protect you and your family when you are out on ATVs? Residents who are in the greater Cullman, AL area that would like to find out more about your ATV insurance options, call or stop by Insurance Solutions Inc. today to find out more!

Can You Add Umbrella Insurance to a Supplementary Policy?

Insurance is something that takes time to fully understand and having the help of an experienced agent can make things far simpler. For those that want to add an umbrella policy to their supplementary policy, it may be beneficial to speak with an agent to find out what you can and cannot do. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help.

For the most part, if you have any sort of policy, supplementary or otherwise, your agency is going to make sure you have the most coverage possible before you are able to add an umbrella policy. For those that do have a supplementary policy like flood or hurricane insurance, you can add umbrella coverage if you have made your supplementary policy hearty enough so to speak. You cannot take out a bare minimum supplementary policy in most cases then add a cheaper umbrella policy to get more coverage. For the most part, you are going to need to make sure your supplementary policy already covers quite a bit before you are going to be able to add an umbrella policy.

For those that do have supplementary policies, you are going to have to pay a bit more for this type of policy but if you are still not satisfied with your coverage, you can speak with an agent and find out how to add more coverage with the use of an umbrella policy. Umbrella policies are going to add extra coverage to your existing policies but there may be some hang-ups as far as what can pay out and what cannot. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you find the coverage that works best for you.

What is Covered by Commercial Insurance

Owning a business can be a great way to earn a living if you want to be your own boss. While there are many advantages that come with owning a business, there are also a variety of different responsibilities and factors that need to be taken into consideration. One factor that you need to consider is what you were insurance needs are. For many business owners, getting commercial insurance for their business is a necessity as it provides a variety of important coverages.  

Liability Coverage

Owning any type of business in Cullman, AL will naturally come with a lot of responsibility and potential liability. If you sell a service or product to a customer, you could be found liable if your service or product ends up making them sick or hurting them. Since this type of liability risk will always exist, it is important that you get a commercial insurance policy that includes liability insurance with it. This can help to ensure your business remains solvent even if you are sued for liability.

Protects Assets

When you own a business you will need to invest a lot of money into assets including business equipment, supplies, and inventory. Since this investment can be significant you need to make sure that your assets are properly covered by a commercial insurance policy. Your commercial insurance policy will give you coverage if these important business assets are damaged or stolen.

Having commercial insurance is a necessity for any Cullman, AL area business.  When you are looking for insurance for your business, you should speak with Insurance Solutions Inc. The team at Insurance Solutions Inc. excels at helping a business owner or manager better understand their options for commercial insurance. This will ensure that you get the right coverage for your business. 

Beginners Guide to Motorcycle Insurance

Motorcycle insurance is required in Cullman, AL, so it’s important to get familiar with what it is in order to stay protected the road. The state’s minimum liability requirement is $50,000 for injury liability and $25,000 for property damage. You may want to consider getting extra liability beyond the minimum to protect your assets, in cause you are sued after an accident. If your liability doesn’t cover the claims and legal costs, creditors could go after your assets.

There are different motorcycle coverage options for you as well. An agent at Insurance Solutions Inc. can help you find what works for you. Since liability only protects injuries and damages to others, you want to find enough coverage in order for you to stay protected. Motorcycle insurance is similar to what you will find for auto insurance. Collision coverage will pay for damages to the motorcycle minus your deductible. Comprehensive coverage will pay if your motorcycle is damaged by an event that is not an accident, or if it is stolen. Animal collisions will typically fall under this policy. Medical payments coverage can be used to pay for medical bills if you are injured. Since motorcycles come with their risk this can be useful to have, no matter how good of a driver you are. Trip interruption coverage will pay for transportation and lodging if your bike is disabled due to an accident far from home. Coverage for equipment accessories and custom parts can also be added if you enjoy customizing your motorcycle. Roadside assistance is a policy that includes towing and labor if your bike breaks down.

Many insurance companies also offer to lay up insurance during the time when your bike is put away. Insurance will cover you against theft or events that can damage your bike in storage but won’t cover you in an accident.

Contact Insurance Solutions Inc. serving Cullman, AL, to get a quote on motorcycle insurance. 

Will Boat Insurance Protect Your Vessel From Lightning Storms?

Every year, you take your gorgeous boat on one of the many lakes in Cullman, AL and enjoy beautiful sailing conditions and flawless weather. However, you’ve run into some nasty situations with lightning storms in the past and want to make sure that your boat policy from Insurance Solutions Inc. will cover any damage caused by lightning strikes. Thankfully, you should be protected but read on to learn more.

Lightning is Covered By Boat Insurance

Boat insurance is designed to handle the unique problems that occur when a person is out on a boat on the water. For example, it will cover the repair of leaks caused by running into rocks and other types of issues. However, boat insurance will also cover lightning damage caused by storms.

Policies typically breakdown storm damage into a handful of different categories, including damage by hail, floods, wind, and lightning. Typically, lightning is the most damaging when it does happen to a boat. However, even damage from hail and excessive winds are covered by boat insurance, ensuring that your vessel is safe.

Does a Policy Void If Boaters Go Out In Storms?

Boaters may worry that going out during potentially stormy weather voids their policy because they are engaging in risky behavior. That is not the case at all. Does driving in a snow storm void a person’s auto insurance policy? Of course not.

The only time your policy may be voided or denied is if you purposefully damage the boat to collect on an insurance policy. And unless you have control of the elements and can cause lightning to strike at will, lightning damage cannot be self-inflicted on a boat.

Finding a Policy That Works for You

During this boating season in Cullman, AL, you need to make sure that you take out an insurance policy that will protect your vessel from lightning and other types of storm damage. Please contact us at Insurance Solutions Inc. to learn more about the many types of policies available and to find one that will suit your unique boating needs.

Classic Car Insurance Can Protect the Average Investor

Are you an average, hardworking individual in Alabama who happens to own an exotic or classic vehicle as an investment? If so, you will want to be careful and protect what you have bought.

Purchasing classic car insurance is a wise choice. These policies could help you sleep easier at night, knowing that when something bad happens to your automobile, you will be better able to salvage the situation.

To get started, contact us, the professionals at Insurance Solutions Inc. We serve the Cullman, AL region and can provide information specific to your situation.

Why Owners Opt for Classic Car Insurance

What could go wrong, you might ask? Well, first, a classic car garners lots of attention. Someone could damage your property. It is not unheard of for random people to attempt to take "selfies" next to a fancy automobile. They, in turn, can scratch the paint, break a window or otherwise cause harm. You might then find yourself with a huge repair bill.

Classic car insurance could possibly cover such an event. Just be sure to speak with one of our professional agents, who can provide detailed information on policy coverage.

Some Basics

Classic car insurance differs from your regular auto insurance. For example, many policies expect you will not be driving the vehicle on a regular basis.

A classic car is more of a showpiece and investment, not something you use for your work commute. Therefore, it is best to discuss your particular needs with our Alabama insurance specialists in order to find the right policy to match your needs.

Contact a Compassionate Agent Today

You can and should protect your investment. Just contact Insurance Solutions Inc. 

We serve the Cullman, AL area, and our website has the information you need to get started. We are known for helping owners guarantee the safety of their classic car investments before the worst happens.

How much RV Insurance Do I Need?

Driving around and seeing the country is one of the top dreams that many people share. When you are looking to tour the country, one great way to do this would be by purchasing and driving your own RV. For those that are in the Cullman, AL area, making sure that you have the right insurance coverage in place is very important. There are several factors to consider when you are looking for RV insurance.

Liability Coverage

If you are taking your RV out on the open road, you will be required by state law to carry liability insurance at all times. In Alabama, you will be required to carry bodily injury liability coverage of at least $25,000 person with a $50,000 per incident cap. Additionally, you will also need to make sure that you have property damage coverage of at least $25,000 per incident.

Property Damage Coverage

Depending on your situation, you will also want to make sure that you have collision and comprehensive insurance coverage. While liability coverage is the only type of coverage that is required by law, collision and comprehensive coverage could provide you with additional valuable coverage. This type of coverage will give you protection in the event the RV is stolen, vandalized, or you are at fault in an accident. This type of coverage is always required is you have a loan on the RV and is often a good option even if you do not have a loan. 

If you have an RV in the Cullman, AL area, you will want to make sure that you speak with Insurance Solutions Inc. about your insurance needs. The professionals at Insurance Solutions Inc. will be able to review your situation and figure out what the right policy is for your situation. 

What does ATV insurance at Cullman AL cover? Or do I need ATV insurance?

As an Alabama resident, if you own an off-road or ATV vehicle, making sure it is under the appropriate cover in case of an accident, injury, theft or loss is obligatory. You stand to enjoy the complete package you need which may include property damage liability, comprehensive and collision coverage, medical cover, and uninsured or underinsured motorist. However, keep in mind policy benefits, and specifications may vary from one insurer to another.

Besides, if your vehicle is categorized as a utility vehicle (UTV) or side by side, it might be considered as ATV while complying with the policy contract. Remember, to ride in some places like the state park; the law requires you have a primary ATV insurance. 

Serving this fantastic state, Cullman, AL, Insurance Solutions Inc. provides the appropriate ATV plan that works best for you. The insurer will take care of your expensive all-terrain vehicle that you could find challenging to replace in case of exposure to any form of risk while bound by the policy agreement. Here are other quick tips to know for your ATV plan. 

Do you need ATV insurance? Are there any Exemptions in the policy?  

You need an ATV insurance to keep you safe from a wide range of things including any damage due to accident-related personal injuries. In case such risks occur, you are subject for compensation from your underwriter. Also, engine damages caused by natural calamities like floods are covered. 

However, there are things ATV insurance won’t cover. These are intentional damages caused due to negligence on the part of the operator.  For this reason, you have to exercise absolute care while using your ATV. You can’t deliberately drive your ATV through high water, damage your engine and anticipate compensation from your insurer. Do you own an ATV? Cullman, AL, Insurance Solutions Inc. is ready to help you go through the policy for satisfaction before signing up. Call and speak to our accredited agents today for any additional information or essential details. We will gladly walk with you because together, we value that ATV. 

 

Why Business Owners Should Have a Good Umbrella Policy

Making sure you have proper insurance is good for any business in Cullman, AL, and an umbrella policy is a part of having proper coverage.

An umbrella policy will expand your coverage limits. For example, if your liability insurance only covers $1 million and you purchase an umbrella policy that also covers $1 million, your insurance coverage will expand to $2 million.

An umbrella policy may cover other items that your general liability insurance does not cover. General liability policies could be limited to a particular geographic area, and the umbrella policy could cover a much broader area. Umbrella insurance may pay for itself and it can provide a lot of extra coverage for a low cost. It can be more cost effective to get an umbrella policy than it is to raise the limits on your other liability policies. An agent at Insurance Solutions Inc. can help come up with a policy for you that is low cost and still provides great protection. 

Umbrella insurance will help protect your assets. It’s important to remember that liability insurance will not cover everything, and if there is an accident where you aren’t fully covered, you could have to sell your business assets or your personal assets to cover your liability. As a small business owner, this could wipe you out.

Businesses that have higher risks can benefit from an umbrella policy. If your business serves high net worth clients, or clients that have higher liability limits than others, make sure to protect yourself. Even if you don’t have a business or clients that are high risk, it doesn’t hurt to err on the side of caution and carry the extra coverage, in case a claim comes in. It can give you peace of mind so you don’t lose everything you have worked for.

Contact Insurance Solutions Inc. serving Cullman, AL, for a quote on umbrella insurance.