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.


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.

3 Risks of Riding Without Alabama Motorcycle Insurance

The feeling of cruising on the road with a motorcycle is unexplainable. Most people have different reasons why they ride on their bikes. Some appreciate the beautiful make of their bikes, and others find it peaceful. Others enjoy the biker’s community and get to meet new people. To many, it’s probably the gas they save. But do you the risks of riding a motorcycle? Yes, you know, and that’s why you put on all the safety gears. But apart from the safety gears, you need motorcycle insurance to protect you on the road.

To that end, there are risks of riding a bike without motorcycle insurance in Alabama. We at Insurance Solutions Inc of Cullman, AL are well aware of the risks for riding without motorcycle insurance. Here are some. 

Risk of fines and penalties

Motorcycle insurance is a requirement by law for many states. In Alabama, all motorcyclists must carry at least minimum liability coverage in their motorcycle insurance. Otherwise, you risk consequences like hefty fines or license revocation.

Risk of uncovered accidents costs

When you are a motorist, there are so many risks surrounding you. Even if you consider yourself a good biker, the risks of injuries, property damage and loss of property still exist and could happen at any time. Whatever the accident would be, the result may be costly. Riding without insurance means that you will pay all the accident-related costs from your pocket, including expensive lawsuits, if you got sued.

Uncovered medical expenses 

If you got injured on your bike or injured someone, the cost of treatment could be prohibitive depending on the injuries sustained. If you have no health insurance, you can easily slump into a financial mess. Thankfully, PIP or MedPay coverage on your bike covers medical costs for you and your passengers when involved in a crash.

Motorcycle insurance in Cullman, AL

Folks, there you have it. The benefits of carrying motorcycle insurance far outweigh the costs of riding without coverage. Besides saving you money in case of an accident, it saves you from being on the wrong side of the law. Ready for motorcycle insurance? Contact us at Insurance Solutions Inc for an affordable quote.

How Car Accidents Impact Alabama Car Insurance

When you have been involved in a car accident in Alabama, a key concern will be how this will impact your Alabama car insurance. There is a chance that your premiums will go up. However, there are ways your insurance company can help.

At Insurance Solutions Inc. we want Cullman, AL to feel safe in their vehicles, and with their premiums, no matter what their driving record shows. 

Alabama is an At-Fault State With Contributory Negligence

Alabama is an at-fault state for car accidents. That means that if you are involved in an Alabama car accident and are found to be liable or partially liable, you will be responsible for your share of the damages. Under Alabama’s contributory negligence laws, even if you are a little responsible, you won’t be able to recover damages from the other driver.

That means that your car insurance will go up if you don’t have additional protections on your Alabama car insurance.

Alabama Accident Forgiveness 

Accident forgiveness is an add-on to your auto insurance policy that will help you to keep your rates the same when you have an accident. This is the case regardless of who is at fault in an Alabama car accident.

When you apply for Alabama car insurance, you may be eligible for accident forgiveness if you do not have a history of car accidents on your record, and do not have a claims history. Accident forgiveness from your insurance company means that for your first car accident for which you make a claim, your insurance company will forgive you by not increasing your premiums.

Without Alabama Accident Forgiveness

Not everyone is going to be eligible for accident forgiveness or will have used it when they are in a car accident in Alabama. Without it, an at-fault accident can impact your car insurance for up to ten years.

How it impacts your car insurance now will depend on your insurance company, and what percentage of an accident you will be at fault for. Your premiums will go up, but a good insurance company will help you to keep them as low as possible.

Get an Alabama Car Insurance Quote

If you are worried about your insurance premiums after an accident, or what could happen if you had one, Insurance Solutions Inc. serving Cullman, AL can help. Call us for a quote today.

Who Needs Boat Insurance?

If you own a boat in Alabama, it’s wise to take out boat insurance. While Alabama does not require such insurance, if you don’t have it, you could expose yourself to many risks. Make sure you contact Insurance Solutions Inc., which serves Cullman, AL and other areas too, to learn about boat insurance.

Ultimately, anyone who owns a boat should take out boat insurance to protect their property and to cover any medical bills that may arise after a boating accident or another incident.

Why Boat Insurance is a Wise Idea For Every Boater

When it comes to boating, safety comes first. The same is true regarding boating insurance. It’s better to be safe than sorry. Alabama does not require boaters to take out insurance on their boats, but if you skip insurance, you’re exposing yourself to some serious risks.

Alabama is home to a lot of amazing waterways, and you have access to the ocean as well. Yet many dangers are also present in the so-called “Heart of Dixie.” Alabamian boaters and their boats could be exposed to tornadoes, floods, hurricanes, and occasionally, even strong winter storms. Even a boat in a dry dock could be damaged by weather.

Out on the water, you might run into a log or rock (including ones you can’t see underneath the surface). Even if you’re an expert and attentive driver, you may not see some dangers. Further, someone else could run into you at no fault of your own.

Whatever the cause of the damage or incident, if you don’t have boat insurance, you may face a lot of liabilities. Boats can be worth many thousands of dollars, and without insurance, you may recover nothing if your property is damaged. Medical bills can be even more costly.

Given these liabilities, anyone who owns a boat should closely consider boat insurance. Contact Insurance Solutions Inc., which serves Cullman, AL, to find the boat insurance plan that works for you.

Why should someone get classic car insurance in Alabama?

When you are in the Cullman, AL area and love a vehicle, owning a classic car can be a dream. A classic car is a unique vehicle that can be a prized possession and valuable asset. Due to this, you should get the right type of insurance for it. There continue to be many reasons that someone in the state of Alabama should get a full classic car insurance plan on their classic car. 

Cover Your Valued Investment

A key reason that you should get a classic car insurance plan when you are in Alabama is so you can cover your important investment. Those that would want to own a classic car are going to find the value of it can increase with time. This differs from other vehicles that tend to depreciate in value. With a classic car insurance plan, you will have the right coverage to protect the full value of the valuable vehicle.

Proper Liability Coverage

With a classic car insurance plan, you will also get a proper liability insurance policy. All drivers in Alabama are required to carry liability insurance. However, classic car owners typically drive much less than those that have standard vehicles. With a classic car insurance plan, you will get a liability policy that will accurately reflect the reduced liability risk that comes with fewer miles driven each year.

As you would like to insure your classic car in the Cullman, AL area, speaking with the team at Insurance Solutions Inc. is very important. The insurance team with Insurance Solutions Inc. can help you determine what your classic car insurance needs are. They will then offer any necessary support that will help you to build a plan that gives the ideal coverage for your situation. 

Important Facts To Consider While Researching RV Insurance

Insurance Solutions Inc. serves the Cullman, AL community by offering insurance coverage. We strive to help our clients find personalized coverage to protect what matters most. We are an independent agency.

Important RV Insurance Facts To Consider

Traveling around Cullman AL in your RV is an exciting experience. In many ways, your RV is your home away from home. However, it is important that you protect your asset. RV insurance covers your vehicle and your personal belongings if there is an emergency situation. RV coverage protects your vehicles if it suffers damages due to a collision or natural disaster. Your personal belongings are also covered if they are stolen or vandalized. While you research different policies, consider these important RV insurance facts.

Different Types Of Vehicles

Keep in mind that you may need special coverage depending on the type of RV that you have. Most RVs fall into the Class B tier. Class B vehicles include camper vans and travel trailers. Class C vehicles include standard cargo vans. Class A vehicles include luxury coach models, motor coaches, and other large vehicles.

Extensive Coverage

You can add extra coverage to your RV insurance policy to protect yourself. In the event that your RV suffers engine failure or another issue, you can add towing coverage. You can also add uninsured motorist coverage to protect you if you collide with someone who does not have coverage.


If you plan to go camping for a few weeks, you can add storage coverage to protect you if your RV is damaged. You can amend your policy to cover any damage to your accessories, such as a trailer. You are also covered if your accessories are stolen.

Insurance Solutions Inc. Will Help You Stay Safe On The Road

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

Who needs to have ATV insurance?

In the Cullman, AL area, owning an ATV can be a lot of fun. This area of Alabama offers a lot of off-roading courses and other locations that can make using an ATV a great option. When you do invest in an ATV here, you need to get the right insurance for it. There are several scenarios when someone needs to have this coverage. 

Those that Want Liability Protection

One situation when you need to have ATV insurance is when you want to have liability protection. Using an ATV is generally safe and can be a lot of fun. However, accidents can happen and if you cause damage during a collision, you will have to pay for the damages. With an ATV insurance plan, you will get the liability coverage needed to help mitigate this risk. 

Those that Want to Protect Asset

You should also consider getting an ATV insurance plan if you want to protect your asset. An ATV will take a big purchase and investment to acquire. The best way that you can be assured that this investment will pay off in the future is by getting an ATV insurance plan. With this coverage, you will receive the protection necessary to repair or replace your ATV if it is damaged or stolen.

Using an ATV in the Cullman, AL area can be a lot of fun. Those that do get an ATV here will clearly benefit from getting an insurance policy for it. When you are looking for a new ATV insurance plan in this area, you should call Insurance Solutions Inc. The team with Insurance Solutions Inc. understands the value and importance of this type of coverage. They can then help you build a policy that will provide the right coverage for your ATV. 

How Does Umbrella Insurance Work?

Umbrella insurance works a little differently from other insurance coverage types. It is a policy that serves to complement other insurance policies that you have. If you want a higher amount of insurance protection for your home and auto insurance, call us at Insurance Solutions Inc. in Cullman, AL to find out more about umbrella insurance.

Home and Auto Insurance Policies

When you already have home and auto insurance policies in place, you can add to their coverage by getting umbrella insurance. It serves to add to the liability insurance that you have through those other two policies. For each of them, umbrella insurance adds a considerable amount of liability coverage. This helps you to be able to pay for accidents in your home or vehicle without having to pay out of pocket after your home or auto coverage has maxed out. Typically, home and auto policies have small amounts of liability coverage that they will pay.

Umbrella Insurance

Once your home or auto policy has reached its maximum payout for liability, your umbrella insurance policy kicks in. It adds to that coverage so that you aren’t responsible for the amount that you owe over and above your first insurance policy. Umbrella insurance has a much higher maximum payout than standard home and auto policies do. And with umbrella insurance, it’s cheaper to get that extra liability coverage with this policy than it is to add more liability coverage to your home and auto policies. 

Talk to an Agent

If you have little liability insurance with your home and auto insurance policies, you may need more coverage to take care of serious accidents and other incidents. If you are interested in getting an umbrella policy, call us at Insurance Solutions Inc. in Cullman, AL to find out more about these policies.