Homeowners Insurance Helps You When You’re Not at Home

Sometimes the most serious events occur at home when nobody is there to prevent injury or damage. This means that you need a homeowners insurance policy that covers your home even when you are not at the house.

Insurance Solutions Inc. serves Cullman, AL to offer insurance services. These are some of the ways your insurance will help you even when you are not home.

Personal Property

When you are not home, a lot can happen to your property. Somebody could break in and steal your belongings, or somebody could set a fire that leads to the destruction of your furniture and personal effects.

Homeowners insurance can provide coverage for your belongings. You should read the policy documents carefully to check the value covered by your policy.

Dwelling Coverage

The building itself, and other buildings on the property, may also be covered by homeowners insurance. For instance, you could leave the house and experience a fire that damages the structure of your home.

You need coverage for your home’s structure, and an insurance policy may cover some of your home’s value, even if an incident occurs when you are out of the home.

Personal Liability Protection

Even if you are not home, you might have guests in the house. When you are away from home, guests could become injured due to some fault in the house. For example, a crack in the patio outside could cause somebody to fall and break their arm.

In this situation, you may have liability protection. The fact that you were not at the house may not necessarily matter.

Learn More About Homeowners Insurance

Insurance Solutions Inc., which serves Cullman, AL, knows the significance of getting the right homeowner’s insurance policy. Contact an insurance agent today to find the right policy for your home.

Important Facts Alabama Drivers Should Learn If They Are Traveling Abroad

Insurance Solutions Inc. provides coverage to Cullman, AL residents. We help our clients find policies that align with their individual needs. We are an independent insurance agency. We work closely with multiple carriers throughout the South. We hope to establish long-lasting relationships with our clients so that we can help them as their needs change over time.

Important Facts Alabama Drivers Should Learn Before Traveling Abroad

Auto insurance helps keep you safe on the road in Cullman, AL. Operating a vehicle is a high-risk endeavor, which is why you need the necessary protection. Auto insurance policies are generally divided between collision and comprehensive. Collision coverage protects you if you are involved in an accident with another driver. Comprehensive coverage protects you if your vehicle is damaged in unique ways. You are protected if your vehicle is stolen or vandalized. Perhaps you accidentally hit an animal or collide with an object. Maybe your vehicle is damaged by a fire or natural disaster. There are common cases where comprehensive coverage protects you.

If you plan to travel abroad, you’ll likely have to inquire about another type of coverage before your trip. It’s a good idea to visit the US Embassy to learn about the requirements to operate a vehicle in a specific country. Liability insurance is a basic requirement. Liability insurance covers your vehicle if you accidentally injure someone or cause property damage. Consider adding umbrella insurance as well. Umbrella insurance protects you if you are responsible for serious damages. If you plan to get a rental car in the country that you’re visiting, remember that each country has unique requirements.

Insurance Solutions Inc. Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

How much motorcycle insurance do you need?

The state of Alabama requires drivers to show proof of insurance that meets the minimum regulations. Bodily injury liability is required to be no less than $25,000 per person ($50,000 per accident), and property damage liability coverage should be no less than $25,000 per incident. It is possible to have the state minimum in auto coverage and still come out with the short end of the stick in Cullman, AL. The agents at Insurance Solutions Inc. can help you determine how much motorcycle insurance you may need to comfortably navigate the road. 

Is the minimum enough? 

The minimum amount of insurance coverage may not be enough if you plan to operate your motorcycle often. You may also find yourself in a financial hole if you have custom equipment that costs more than your policy’s limits to replace if damaged. 

Most motorcycle owners select additional coverage that exceeds the state’s minimum when driving their bikes in Cullman, AL, so they can feel secure when enjoying the sites. How much insurance coverage you may need depends on a number of factors. 

How much motorcycle insurance do you need?

You need to first consider your lifestyle when determining how much motorcycle insurance coverage is enough. You may be able to get away with paying for the bare minimum if you only plan to ride your bike a few times per year. It may be necessary to pay for more coverage if your motorcycle serves as your primary source of transportation through town. 

Motorcycle owners who have extra equipment or love to travel the country on their bikes may find themselves in need of more protection. You certainly do not want to find yourself stranded on the road wishing you had included roadside assistance in your plan. 

The agents at Insurance Solutions Inc. can help you fully understand the benefits of full protection when buying motorcycle insurance. Call them today for a quote!

Should I Maintain Boat Insurance Throughout the Year?

You carry out boat maintenance all year through, but do you need boat insurance throughout? Unfortunately, most boat owners cancel their watercraft insurance during the off-season, only to reactivate the coverage when the boating season begins. While this might seem like a prudent penny-saving tactic, it can end in tears. 

 Why should I maintain boat insurance all year through in Cullman, AL? Insurance Solutions Inc. has the answer for you.

It may be required

While boat insurance isn’t compulsory in Alabama, your lender may require you to buy basic boat insurance coverage if your loan liability is outstanding. You see, just like you, your lender has an investment stake in the boat. As such, they need to protect their financial interest through boat insurance. 

Risks don’t have an off-season

Risks like theft, fire, and natural disasters don’t have an off-season — they could strike even when your boat is in storage. Given this reality, it makes sense to safeguard your boat all the time to avoid denting your pocket when these risks occur. 

It may be cheaper

It might surprise you that maintaining boat insurance all year through might be cheaper in the long run. Why? Some insurers reward you with a subsidized deductible for every claim-free year. Besides, other companies may offer loyalty discounts for maintaining boat insurance all year through. 

For peace of mind

While your boat might be in the garage, it doesn’t mean it’s entirely safe. Theft, fire, and falling objects could damage your boat, forcing you to incur out-of-pocket repair costs. With this in mind, it’s wise to maintain boat insurance all year through to have a worry-free time even when not using your boat.

Buy boat insurance today!

In all seasons, you need boat insurance to protect your prized investment. If you are in Cullman, AL, and its environs, don’t hesitate to get in touch with Insurance Solutions Inc. for an affordable quote.

What Does Classic Car Insurance Cover?

You love your classic car and have put a lot of time, money, and effort into restoring it and keeping it in tip-top shape for car shows and other events so you will want to ensure that it is properly protected. The insurance agents at Insurance Solutions Inc. in Cullman, AL  understand the importance of protecting your classic car or truck.

In Alabama, the same insurance requirements apply to your classic car as with other vehicles if you are driving it on the public roads and streets. This means you must have at least liability insurance in place in case an accident occurs when you are driving to a show or event in your classic car.

To be considered a classic car in the state of Alabama, your classic car must be at least 30 years old and must be operated as a collector’s item. This means you can only drive it on public roadways when you are participating in classic car club activities, exhibitions, tours, and parades. In other words, your classic car cannot be used for general transportation purposes.

Your classic car must also be distinctive. For example, your classic car should be listed as a vintage car, exotic or luxury vehicle, a vintage military vehicle, a muscle car, or a hot rod.

Since classic car insurance pertains to vehicles that will actually increase in value over time, unlike regular vehicles that depreciate in value over time, classic car insurance works a little differently. When you obtain insurance on your classic car it will cover property damage, liability, comprehensive, and collision insurance but the amount of insurance will be based upon an agreed value of your vehicle.

The classic car insurance agents at Insurance Solutions Inc. in Cullman, AL can assist you with all of your classic car insurance needs. Give them a call today to get your policy started.

3 Things to Think About with RV Insurance

If you want to explore the Southeast and the rest of the country, Alabama is a great location from which to start, especially if you have a recreational vehicle or RV. With an RV, you and your family can easily tour the lakes and rivers and forests that surround the south or drive to the nearby mountains. Our state is filled with more than 100 RV parks where you and your family can park your vehicle to camp out and spend the night.

Before you purchase a new RV and hit the road to explore, however, be sure you understand the insurance requirements for these vehicles. 

1. Your RV must meet certain requirements. To qualify for RV insurance, your vehicle must have the following:

  • A cooking appliance
  • A refrigerator(s)
  • Bathroom facilities
  • A drinkable water supply system
  • An electrical system of 110 to 125 volts

2. When you have an RV, you will be required by law to have insurance minimums. Your liability minimums must cover at least:

  • $25,000 for death or bodily injury per person in an accident
  • $50,000 for death or bodily injury per person in an accident
  • $25,000 for property damage liability coverage

This insurance is separate from your primary vehicle insurance.

3. You should consider additional insurance. In addition to the required liability insurance, there are additional insurance options that RV owners in Alabama should consider, including:

  • Collision Coverage: This will cover your RV if it is damaged due to an accident.
  • Comprehensive Coverage: This will ensure the cost of repairs is covered should your vehicle be vandalized, or should it be dented, scratched, or majorly damaged during a storm. 
  • Contents Insurance: This will protect the expensive items that you often keep inside your RV, including electronics, should they be stolen.

Are you an RV owner in Cullman, AL? 

If you need insurance coverage to protect your recreational vehicle, contact Insurance Solutions Inc. Our expert agents will create an insurance policy that will meet your needs and protect your family and your RV. 

Is Your ATV Policy Up to Date?

Many Cullman, AL have fun ATV models that they use to entertain themselves and their families. However, your ride needs to be insured to keep it as protected as possible from various complications. If you’re unsure whether your policy is up to date, we at Insurance Solutions Inc. can help.

Ways to Check Your Policy 

States like Alabama often upgrade their insurance laws to change how much they cover different elements of your ATV and its ride. As a result, it is vital to take the steps below to see whether you need to make any changes:

  • Check the Paperwork – Usually, you can find information about your ATV policy, including whether it has expired or when it needs to be updated. Doing so helps to keep you on top of your insurance.
  • Talk to Your Insurance Provider – Reach out to your agent and talk about your ATV policy. Does it cover any of the recent changes that may have occurred in Alabama laws regarding ATV insurance?
  • Discuss Changes With Officials – If you’re unsure whether your policy is up to date and your agent didn’t help you much, you can always reach out to city or state officials to learn more. 

Typically, your insurance broker will handle any upgrade to your policy but can be discussed with you before they are made. As importantly, your agent will also seek to find an option that makes more sense for you.

Keep Your Policy Strong 

Do you want to keep your Cullman, AL ATV protected at all times from defaulted or poor insurance policies? Then, you should contact us at Insurance Solutions Inc. to learn more about your options. Our team will reach out to you and discuss the various upgrades you may need to make to your policy.

How Umbrella Insurance Works

Umbrella insurance is a type of policy that works alongside two other insurance policies. It is a unique type of insurance that is both very helpful and very low cost. If you are thinking about an umbrella policy, give us a call today at Insurance Solutions Inc. in Cullman, AL to find out more.

Umbrella Insurance and Auto Insurance

When you have an auto insurance policy, it comes with different types of coverage. One of these is liability coverage. With this coverage, if you were in an accident that was your fault, you would owe medical and property bills. Your auto insurance would pay this liability and allow you to avoid lawsuits. However, what happens when you owe more than the amount of your coverage? In these cases, umbrella insurance can save the day. It starts paying when your auto insurance is maxed out so that any overage is paid. 

Umbrella Insurance and Home Insurance

Umbrella insurance works with home insurance in just the same way it does with your auto insurance. Your home insurance comes with liability coverage, and it may not be enough to pay off medical bills. Your umbrella policy then pays the overage that your home insurance couldn’t pay. This is a valuable type of insurance to have to keep you from having to come up with these bills on your own. 

Save Money on Coverage

The reason that umbrella policies are so popular is that they are relatively low priced. If you were to add liability coverage onto your home and auto policies, it can be extremely expensive. Umbrella policies, however, are inexpensive for even large amounts of coverage. 

Get Your Umbrella Insurance

If you want an umbrella insurance policy, contact us today at Insurance Solutions Inc. in Cullman, AL to talk to an agent. 

Important Parts Of Commercial Insurance

Insurance Solutions Inc. serves the Cullman, AL community. We are an independent insurance agency. We have relationships with multiple carriers throughout the South. This allows us to offer our clients the right policies for their situation. We look forward to serving you.

Important Parts Of Commercial Insurance

Successful businesses help stimulate the Cullman, AL economy. In order to stand out from the competition, your business needs a strong commercial insurance policy. Commercial insurance protects your business in a variety of ways.

Liability Coverage

Liability coverage is the most significant aspect of your commercial insurance policy. Operating a business leaves you vulnerable to potential lawsuits. If a customer is injured on your property or if they allege that your products caused them harm, you may face legal action. Liability coverage protects you in these situations so that you can avoid the threat of possibly losing everything that you have worked for.

Property Coverage

Commercial insurance covers any damage to your building, as well as your inventory and equipment. This can give you peace of mind if an accidental fire occurs or dangerous weather passes through the area and damages your building.

Workers Compensation

In order for your business to thrive well into the future, you need great employees. Worker’s compensation covers your business if one of your employees gets injured in the workplace. The policy covers their treatment and rehabilitation. You can show your employees how important their contributions are by making sure that they are taken care of.

Business Interruption Coverage

Business interruption coverage protects your business if you have to shut down due to an emergency. Perhaps your building suffers extensive damage and needs to be repaired. Maybe your equipment is totaled, so you have to wait until replacements arrive. Business interruption coverage will help keep your business afloat.

Insurance Solutions Inc. Will Help You Protect Your Assets

Visit our website to learn more information about commercial insurance.  

Do I Need to Update My Home Insurance Policy Annually?

Home insurance is vital for all homeowners who’d like to protect their property and possessions and protect their families from liability for accidents. So, you’ve held your home insurance coverage and premiums constant, but what about your new swimming pool and security system? Have you factored them in as value-adding additions?

If you haven’t, then your new year policy may not provide an ideal level of coverage, and in case of fire, theft, water damage, or any other misfortune, you may fail to get adequate compensation. As such, it is advisable to review your home insurance policy each year to make sure the policy’s premiums aren’t too costly and the policy still offers proper coverage for your home, possessions, and family.

Ideally, your home insurance policy should get updated each year to reflect your lifestyle and home changes. Here are the home value-changing factors that you should review whenever you update your home insurance policy each year.

Renovations

Renovation or remodeling improves the appeal and value of your home. As such, you should let your insurer know about such projects so that they can adjust your policy to reflect the current value of your home.

Installing New Security Systems

State-of-the-art security systems reduce the risk of theft or burglary, and they can reduce your premium rates if you let your insurer know about them.

Quitting Smoking

If you quit smoking, you lower the fire risk, and your home insurance premiums should get reduced.

Other incidences that need re-evaluation when updating home insurance policies

Here are other actions or incidences that may lower or raise your home insurance coverage level.

  • Buying expensive home equipment
  • Retirement
  • Adopting pets
  • Renting or leasing the home
  • Adding new features such as pools or hot tubs 

Get an Updated Home Insurance Policy Today

If you’re in Cullman, AL, you should visit the Insurance Solutions Inc. to get your updated home insurance cover. At Insurance Solutions Inc., we provide updated home insurance policies to all Cullman, AL, residents. Check out our website to learn more.