A Home Insurance Guide for Beginners

Insurance Solutions Inc. is a leading home insurance company in Cullman, AL, offering affordable policies to the customers in this area and the surrounding neighborhoods. As a homeowner, you need to buy a home insurance cover so that you can take care of your home and the persons living inside.

What Does Home Insurance Cover?

In Alabama and around the country, it is required by state laws to have a home insurance policy. However, knowing what is covered is important because it gives homeowners a chance to know where to begin in case of a disaster.

Damages to House Exteriors and Interiors

Vandalism, lightning, hurricanes, and fires are possible disasters that are likely to affect a home. These disasters will inflict considerable damages to the interiors and exteriors of the house. Home insurance policy will cater for the repair of interior and exterior damages. In some instances, the insurance may cater to the complete rebuilding of the house, depending on the damages.

Damage to Personal Belongings

In case of an insured disaster, personal belongings such as appliances, furniture, clothing, and other room contents will be covered. Although you can claim for off-premises coverage of items such as jewelry, there is a limit to what the insurer may reimburse you. In such cases, you need to have extra insurance policies covering the off-premises valuable items.

Personal Liabilities for Injuries Caused

If someone is injured on your property, the home insurance will cover such personal liabilities. Covering for personal liability is common for home insurance, especially if your dog bites neighbors or any other person walking close to your premises. The insurance company will be responsible for medical and lost wages.

If you live in Cullman, AL, and you’re looking for a home insurance policy, visit Insurance Solutions Inc. for more information on a cover that meets your specific needs. 

What Cullman, AL Drivers Need to Know About Minimum Auto Insurance Requirements

The process of buying auto insurance in Cullman, AL, is almost similar and critical to purchasing the car itself.  Driving safely in Alabama means having to buy the minimum state requirements for car insurance.  The requirements aren’t so much different from other states, but it’s essential to understand what to expect. Here is all you need to know.

What are the minimum car insurance requirements in Alabama?

If you own a car in Alabama, you will need to ensure that it meets the minimum requirements. However, satisfying these requirements doesn’t mean you are fully covered. If you need help determining which coverages work best for you, Insurance Solutions Inc. can help you select the coverages to add to your policy. The state of Alabama requires that drivers carry a minimum requirement of; Bodily injury liability per person and per accident as well as property damage liability per accident.

Alabama is NOT a no-fault state

While the no-fault law seeks to simplify the legal process after a car accident, Alabama is not a no-fault state. This means that if you are hit by another driver who is at fault, you will need to seek justice and compensation by following up with their insurance company.

Other critical coverages

 Protecting yourself and your family means purchasing all the essential coverages in Cullman, AL. Depending on your driving needs, style, comfort, preference, and budget, you may need to add other essential coverages such as comprehensive, collision, personal injury protection, and uninsured/underinsured driver. You also need to practice safe driving and follow traffic rules.

Let Insurance Solutions Inc. help you

Auto insurance is mandatory in Alabama, but it doesn’t mean you stop there. Find coverages that will enhance your safety on the roads. Our trusted insurance team at Insurance Solutions Inc. can expertly customize a policy to meet all your auto insurance needs. Contact us today.

Three steps to finding the right auto insurance policy

The auto insurance policy you choose in Cullman, AL could affect you financially down the road if you eventually need to file a claim. We sell auto insurance to Alabama motorists at Insurace Solutions Inc.

The following are three steps you should go through when finding the right auto insurance policy. 

Determine what kind of coverages you want

There are numerous types of auto insurance to consider. One type you’ll have to buy to meet your legal responsibilities is liability coverage. You should also buy collision coverage if you want damages to your own vehicle to be covered. A few other types of auto coverage you should invest in are comprehensive and uninsured/underinsured motorist coverage. 

Shop around and get a few quotes

The next step is to get quotes on policies offering the coverage you’re interested in. Find providers offering auto insurance in your area.

Get quotes from insurance companies with a good reputation. It’s important to get multiple quotes so that you can compare them to choose the option that will give you the most value. 

Analyze quotes and purchase a policy

Look at the quotes you have and evaluate them. Don’t only consider the premium costs. Also, consider the coverage that goes along with each policy.

It’s a good idea to call an insurance company representative and ask a few questions to not only learn more but also evaluate the customer service of the company before you purchase a policy. 

We’re here to help you when you’re on the market for auto insurance in Cullman, AL. Do you need assistance with finding a policy? Call us at Insurance Solutions Inc. and we’ll answer any questions you have about meeting your auto insurance needs. 

What is included with a motorcycle insurance policy?

Those that are in the Cullman, AL area and are looking for a new transportation option should consider getting a motorcycle. When you have one of these, it will be an important asset that you need to get proper insurance for. If you do decide to get a motorcycle insurance policy, you will receive several different forms of coverage that could prove to be very valuable. 

Coverage for Liability

One important feature that you will receive with your motorcycle insurance policy is coverage for liability. When you are a motorcycle owner, there is going to be a chance that you could cause an accident. If you do cause damages through an accident, you will want to know that you have support through an insurance policy. With a full motorcycle insurance policy, you will have the additional coverage and protection that you need to pay for damages.

Coverage for Asset

You will also want to get a motorcycle insurance policy as it can help to protect your assets. A motorcycle is a very major and important asset that needs to be properly protected. When you invest in a full motorcycle insurance policy that also has collision and comprehensive coverage, you can be assured that you receive the coverage needed to repair or replace the valuable asset. 

If you choose to start looking for a motorcycle insurance policy in the Cullman, AL area, you will want to get the coverage that provides you with the right insurance for your situation. As you are looking for a new insurance policy, it would be a good idea for you to speak with Insurance Solutions Inc. The insurance team with Insurance Solutions Inc. can offer you the service that you need to build and choose a new policy. 

Common Commercial Insurance Myths Alabama Business Owners Should Be Aware Of

Insurance Solutions Inc. serves the Cullman, AL community by offering residents multiple types of insurance coverage. We strive to help our clients find policies that will help them prepare for the unexpected. As an independent agency, we have established successful partnerships with several carriers in the area.

Common Commercial Insurance Myths

As a business owner in Cullman, AL, you have to deal with daily challenges as you operate your business. Commercial insurance allows you to protect the interests of your business as you navigate different risks. The policy covers any damage to your property and equipment. Liability coverage protects you if one of your patrons is injured while visiting your business. Worker’s compensation is an asset, as it covers your business and your employees if there is an injury in the workforce. Here is a look at some common commercial insurance myths to avoid while researching policies.

Home Insurance Covers My Home Office

This is incorrect. In order to properly cover every aspect of your business, consider commercial insurance. If you send out an email from home and eventually someone accused you of slander, the only way that you will be covered is with a commercial liability policy.

Commercial Insurance Isn’t Necessary Because I Don’t Have A Brick and Mortar Store

Even if you do not have a physical building that you operate your business out of, commercial insurance is still an asset. The policy covers any damages to your office and the equipment that you use to operate your business.

I Can Rely On My Auto Insurance To Cover My Vehicle

If you have a vehicle that you use to help operate your business, commercial insurance is the only way that you can fully cover the vehicle. If you are involved in a collision while you are on your way to deliver some equipment, a traditional auto policy will not cover your vehicle.

Insurance Solutions Inc. Will Help You Plan For The Future

Visit our website to learn more information about Commercial insurance.

Why is umbrella insurance a good investment?

In the Cullman, AL area, most people are going to have some level of personal liability coverage through their home and auto insurance policies. Those that would like more liability coverage should look into getting an umbrella insurance policy. There are several reasons why getting an umbrella insurance policy could be a good investment for you. 

Insurance Offers More Coverage

One of the reasons that you should get an umbrella insurance policy is that you will receive more coverage. In the majority of situations, an accident that happens in your home or on the road will have damages that are under your policy limit. However, there is always a chance that an accident could have more significant damages. In these situations, you would still need to pay for any damages that exceed your policy. Since this leaves you exposed to this risk, getting an umbrella insurance policy is a good idea as it will give you more coverage on top of the other policies. 

Coverage for More Scenarios

You will also want to get umbrella coverage because it could provide you with coverage for more scenarios. While home and auto policies are somewhat limiting, umbrella coverage will provide you for a more vast mix of situations that could result in a liability claim. 

There are a lot of situations when getting umbrella insurance is a good option. If you are in the Cullman, AL area and would like to learn more about this unique form of insurance, you should call Insurance Solutions Inc. Picking an umbrella policy can be complicated. Fortunately, when you do call Insurance Solutions Inc. you can learn a lot more about how this insurance can protect you against personal liability risks. This will help give you peace of mind and proper coverage. 

How to Structure Your Home Insurance in Cullman

When it comes to your home insurance, you might be surprised to learn that there’s a lot of leeway when it comes to your policy. Whether you’re living in a one-bedroom, one-bath, or a mansion, you have the power to create a contract that is specific to your needs in Cullman, AL. Insurance Solutions Inc. wants you to know more about how to structure the terms so you’re happy with the coverage you have. 

Consider the Threats 

Every home will have its own set of threats, depending on where the property is located and what occurs within it. For example, a person running a small woodworking business outside of their garage will have different concerns than their neighbor. They’ll need to account for everything from power tool accidents to potential loss of inventory. Whether your home is more likely to be vandalized or impacted by a major storm, the policy should focus on the biggest risks first. 

Think About Tomorrow 

You don’t have to look too far into the future when it comes to taking out specific coverage for your home. After all, you can always renew in Cullman AL. But at the same time, you do need to consider what’s coming down the pipeline. From renovations to big purchases (e.g., new windows, a big-screen TV, etc.), you should be making a list of the deal-breakers when it comes to your property — whether it’s the structure, the grounds, or all of your personal possessions. 

If you have questions about your policy, it’s time to call Insurance Solutions Inc. We offer home insurance for homeowners of every variety, and our staff is happy to help you answer the big questions and clarify the smaller details. Contact us today to find out more. 

Why Companies Should Adequately Insure Their Vehicles

Glass breakage, theft, fire, damage to the vehicle in the event of a collision, bodily injury to the driver, legal protection, loan of a replacement vehicle, and other reasons should force companies to insure their vehicles. An insurance agent at Insurance Solutions Inc. in Cullman, AL can help you to compose the most suitable policy, depending on the age, value, use, and a number of cars involved. It is an obligation for all company motor vehicles to be insured. There should be no exceptions. More specifically, company cars must be covered by a so-called “third party” liability insurance. This means insurance, which provides coverage in the event of damage (material or bodily) caused by the company vehicle, following, for example, an accident, an explosion, or a fire.

Why Insure A Company Vehicle in Alabama?

In addition to damages caused by the company vehicle to third parties, other consequences can arise. For example, the car itself may be involved in an accident, the driver injured and equipment damaged. This is why it may be necessary to choose an insurance policy offering the following guarantees, in addition to third party insurance:

  • In the event of an accident incurring damages, the coverage guarantees coverage
  • If the driver is injured, the company is responsible
  • In some cases, insurance takes care of towing and roadside assistance
  • the guarantee of services such as roadside assistance and towing;
  • Insured coverage of transported items

What About Alabama Company Cars?

Company cars used to transport items differ from company cars used by employees upon employer consent. These are driven to conduct the company’s business, whereas the latter can be used for personal purposes, which means it can be driven from the employee’s home and the workplace if the employer has explicitly given his consent to this. How do employees protect themselves when driving a company vehicle? If you own a vehicle and it is insured, it could provide you with coverage. While an employer could ask an employee to carry insurance on their own vehicle when driving a company vehicle, the company should acquire an insurance policy for full compensation in the event there is an accident.

Types of Alabama Company Insurance

To insure company vehicles in Alabama, there are two options to consider:

  • Insure each company or company vehicle by an individual policy
  • Take out a fleet contract for several vehicles

 The choice of having a fleet policy means that the policy will be easier to manage since everything is under the same policy.

Contact Us

It is important for companies to have adequate insurance coverage to handle work-related accidents in a company vehicle. The company is going to be responsible for any liability claim. This exposes the company’s bottom line and reputation. In addition, it could create conflict between both the employer and employee, which can become a messy situation to avoid. It is recommended that you contact Insurance Solutions Inc in Cullman, AL today to discuss your options.

Things To Consider While Researching Motorcycle Insurance Policies In The Fall

Insurance Solutions Inc. serves the Cullman, AL community by offering residents multiple types of insurance policies. We are committed to helping our clients find personalized coverage that will allow them to live comfortably. As an independent insurance agency, we have established successful partnerships with many of the top carriers in the South.

Researching Motorcycle Insurance Policies In The Fall

Many people throughout Cullman, AL enjoy traveling around the state in their motorcycle while visiting historical landmarks. While you are exploring the state, it’s important that you have protection. Motorcycle insurance will protect you in the event that your vehicle is damaged in a collision or stolen. As the season’s change and the weather starts to transition in the Fall, here are some things to consider while researching different insurance policies.

Make sure that you check your fluids as the seasons change. Having fresh fuel in the tank decreases the likelihood of your motorcycle suffering a mechanical failure. If you plan to put your motorcycle in storage, make sure that you remove the battery. You can amend your policy to cover your motorcycle while it is in storage in the event that it is accidentally damaged.

Consider putting some oil on your exhaust pipes and mufflers so that they will not become rusty while you have your motorcycle in storage. If moisture infiltrates your exhaust pipes, that could cause serious internal damage to your motorcycle. While you may not ride your motorcycle as often during the Fall, it is important to have protection. The risk of inclement weather is higher as the seasons start to get colder. Motorcycle insurance will cover you if your motorcycle suffers damage due to a fire or severe storm.

Insurance Solutions Inc. Will Help You Find Coverage

Visit our website today to learn more information about motorcycle insurance.

What are the benefits of a Cullman boat insurance policy?

In the Cullman, AL area, local residents are used to the long and warm summers. To ensure that you are able to enjoy the summer, you should consider getting a boat as it will allow you to enjoy countless days on the open water. Along with a boat, you should also get a full boat insurance policy. There are several benefits that come when you get boat insurance here. 

Ensures Insurance Compliance

One of the benefits that come when you get boat insurance is that it can ensure that you are in compliance with your insurance obligations. Many people that own a boat are obligated to carry a full boat insurance policy. Any boat lender will require that you have full coverage at all times. Also, to use certain waterways, you will be required to carry liability insurance. It is important that you continue to carry this insurance as long as the requirements are in place.

Covers Asset

You will also benefit by getting a boat insurance policy because it will cover your asset. If you have purchased a boat, you will need to keep it insured in order to protect it. With a boat insurance policy, you can receive coverage in the event the boat is stolen or damaged in an accident or vandalism. 

If you are looking for boat insurance in the Cullman, AL area, it would be a good idea to reach out to the team at Insurance Solutions Inc. When you call the insurance team at Insurance Solutions Inc. you are going to receive more personalized guidance and support. The team will carefully assess your individual needs to make sure you get into a policy that will provide you with the right type and level of coverage.