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. 

Do I Always Need Home Insurance

If you purchase a home, you are making one of the biggest investments of your life. Because of this, you need to make sure that you are properly protecting your asset through a home insurance policy. While some people may want to save money by not paying for home insurance, there are several reasons why you need to have home insurance in place at all times.

Required by Mortgage Lenders and Associations

One reason why you need to have home insurance in place at all times on your Cullman, AL area home is that it will be required by your mortgage lender and any home association that you are a part of. Your mortgage lender will likely verify your home insurance compliance on an annual basis and could also escrow your monthly payments as it will help to protect their collateral. Your association may also want to ensure that you have insurance to confirm that you can afford to repair your home and make restitution if you are found liable for damage to another owner’s asset.

Protects Equity

Even if you do not have a mortgage or are not part of an association, you will want to have home insurance as it will help to protect your equity. One of the advantages of having a home that you own is that you can build equity over a long period of time. When you have home insurance in place, it will help to ensure this equity is properly protected. 

When you are ready to start shopping for insurance for your Cullman, AL home, you should meet with the team at Insurance Solutions Inc. first. The Insurance Solutions Inc. professionals can help you find a home insurance policy that will provide you with the right level of coverage. 

 

 

 

 

How to Protect Your Car From the Southern Climate

Insurance Solutions Inc. has been serving Cullman, AL, for long enough to see a few things. They know what tends to harm cars the most, and some of those problems are unique to the southern climate. If you know the woes of a hundred degrees and 90-percent humidity, then these tips are for you.

Maintain the AC

Air conditioning is the most important feature of a car for many southerners. In the ultra-humid climate, it doubles as a dehumidifier. This is a good thing for your car’s interior. It prevents mold damage and similar humidity-caused ailments. It’s also hard on the AC. Add AC health checks to your regular maintenance. It can prevent expensive problems that will ruin your summer and make your interior vulnerable.

Clean the Undercarriage

You see this advice a lot in the colder climates. The salt from the winter roads is corrosive and dangerous. In Alabama, the problem is mud. Some of your cars never leave the city and have less of a problem with this, but for those of you who have a little fun driving, remember the bottom when you give your baby a bath.

Block the Sun

Every southerner respects the sun. It can be as brutal to your car as it is to you. Make sure your windows are properly tinted and use a windshield cover whenever you can. If you can’t park under cover, consider getting a cover for the whole vehicle.

When you give your car the attention it deserves, it can last a lot longer. That doesn’t just save you money in car payments. It can help with insurance rates too. If you want to see how residents in Cullman, AL, are saving money, talk to your Insurance Solutions Inc. representative.

 

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. 

Do I really need auto insurance?

Are you in Cullman, AL and wondering if you need insurance for your car? The answer is yes – every state in the United States, including Alabama, has minimum insurance requirements for driving a car.

The Mandatory Liability Insurance Law of Alabama was passed in 2013 by state lawmakers, and it requires all Alabama car owners to have liability insurance for each car registered in their name. 

The law requires these liability insurance coverage minimums:

– No less than $50,000 total for bodily injury or death per accident.
– At least $25,000 for bodily injury or death per person.
– And at least $25,000 for property damage.

In addition to these minimum requirements, Insurance Solutions Inc. offers several optional types of coverage, like collision, comprehensive, medical and funeral, and uninsured motorist coverage. Often, collision and comprehensive insurance are required if you are leasing or financing a car.

If you are pulled over or get in an accident while driving without the minimum coverage, there are severe consequences in the form of fines and suspensions. With your first violation, you’ll get $500 fine. With your second violation, you’ll get a $1,000 fine. You can also get your license and car registration suspended. Each time you get caught, your registration will be suspended for a mandatory four additional months. You’ll also have to pay to have your registration reinstated at the end of the suspension period. To get your license reinstated at the end of the suspension period, you have to file an SR22 with the state, which means that they will keep a closer eye on your insurance status moving forward.

If you want to avoid problems caused by driving uninsured, contact Insurance Solutions Inc. in Cullman, AL today, and see how much you can save on full coverage auto 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.