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Fort Payne, AL 35967

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Comprehensive Auto Insurance – What It Covers

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Understanding Comprehensive Auto Insurance

Learn what a comprehensive auto insurance policy may cover. Then, consider upgrading your current automotive policy if you decide that more coverage would be beneficial to you as a driver.

Comprehensive Auto Insurance

Comprehensive auto insurance is an optional type of automotive insurance. This type of coverage offers protection against incidents other than a vehicular accident. Review the list that follows. A comprehensive auto insurance policy commonly covers these incidents.

  • Theft of a vehicle or its contents
  • Vandalism of a vehicle
  • Damage caused by a natural disaster
  • Damage caused by a falling object
  • Damage caused by wildlife

Insurance Exclusions

A comprehensive auto insurance policy will not cover some situations. A comprehensive automotive insurance policy will not include mechanical issues, standard wear and tear to a vehicle, and collisions. All the exclusions that are not covered by your policy will be outlined in your insurance paperwork.

Your Comprehensive Insurance Coverage

Consider the risks you face as the owner of your vehicle. If you are concerned about any of the incidents listed above, you may want to consider adding comprehensive insurance coverage to your automotive insurance policy.

Your comprehensive insurance coverage can be tailored to provide adequate protection for your vehicle and accessories.

Answers To The Questions You Have About Coverage

You may have questions about comprehensive auto insurance and the benefits you will receive from this type of coverage. If so, contact one of our Attain Insurance agents. Our agents serve the Fort Payne, AL region.

The insurance agent who assists you will provide some standard information about comprehensive auto insurance. Once you have received it, decide if this type of insurance coverage is right for you.

What Insurance is Needed if You Live in Your RV Full-Time?

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About Insurance for Full-Time RV Residents

RVs have become popular with Fort Payne, AL residents, who prefer the freedom to come and go at their leisure and bring their homes along with them. Whether you reside in a state park year-round, park your RV on your property, or take it on the highways to enjoy endless adventures, having appropriate insurance is necessary. With help from our Attain Insurance team, we will ensure your RV is covered from top to bottom.

Do I Need RV Insurance in Alabama?

Whether you need RV insurance in Alabama depends on the type you have. The state requires liability insurance for motor-powered RVs. Liability insurance helps pay when an accident occurs, causing property damage and injuries.

RV insurance also covers the RV’s value, including theft, vandalism, collision, and physical damage.

If your full-time RV residence is mobile, you will want bodily injury (BI) liability, which covers injuries caused to others when driving your RV. Property damage liability (PD) covers property or vehicle damage sustained by you while you are behind the wheel of your RV.

If you have a camper van, these recreational vehicles also require coverage.

Optional insurance includes comprehensive and collision coverage for RV owners who own recreational vehicles. Even if you own an RV without a loan attached, it is recommended that you get coverage.

Recreational Vehicles That Do Not Require Insurance

Non-motorized RVs do not require separate insurance. These include towable vehicles, such as a fifth wheel, camper, or travel trailer. You are required to have auto liability insurance for the vehicle towing the trailer, but note the auto insurance does not cover the travel trailer. Ask us about coverage options to keep your travel trailer protected.

Give Us a Call

Whether you live in Fort Payne, AL or nearby, our agents at Attain Insurance have you and your RV covered.

About the increasing need for flood insurance in Alabama

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If you own a home in the Fort Payne, AL area or elsewhere in Alabama, you might be hearing more about the need for flood insurance in the state. At Attain Insurance, we believe you should understand why you might want to consider flood insurance in Alabama.

Homeowners Realize They Lack Coverage

Many homeowners are discovering that their standard homeowner’s insurance policies do not include coverage for flood damage. Protection against flooding must be secured under separate coverage.

Weather is Becoming More Severe

Storms are becoming more frequent and severe, particularly in the state’s southern half.

Homes are Being Built in Flood-Prone Areas

Residential and commercial developments are expanding into previously undesirable areas that are increasingly prone to flooding. This is raising the risks for homeowners and existing neighborhoods in the area.

Homeowners Seek Value

More homeowners are seeking value from their insurance, and flood insurance provides that. Flood damage can be devastating; flood insurance helps reconcile protection and value.

Plan Ahead for Coverage

You can’t simply decide to acquire flood insurance after seeing a rainy forecast. Applying for flood insurance can take some time, and there is generally a 30-day waiting period before it goes into effect. Be prepared and apply in advance.

Contact Us for Assistance

If you’re in the Fort Payne, AL area and interested in learning more about flood insurance, contact us at Attain Insurance. We can answer your questions and help you get a quote for coverage. Reach out to us today.

What Vehicles Quality for Classic Car Insurance?

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If you own an older vehicle in Fort Payne, AL, that you use only for special occasions or display in dedicated shows, you may be eligible for classic car insurance. These vehicles still need protection against unforeseen events. Attain Insurance can help you determine if your vehicle qualifies for the classic car designation and assist you in saving on your premiums.

Qualification Extends Beyond Just Cars

Classic car insurance isn’t limited to cars. Other vehicles can also qualify for this type of insurance. Definitions vary among insurers, but many different types of vehicles can qualify for insurance purposes. These include:

  • Antique tractors
  • Military vehicles
  • Classic trucks
  • Muscle and race cars
  • Vintage and antique cars
  • Classic motorcycles
  • Exotic cars
  • Car kits and replicas
  • Some limited-edition vehicles

There’s also a distinction between classic and antique vehicles. Classic vehicles are generally at least 20 to 25 years old, while antique vehicles are at least 45 years old. However, depending on the insurer, you’ll find different parameters and definitions.

Why Classic Car Insurance is Beneficial

The advantage of classic car insurance is that owners generally pay less to protect their vehicles, even though they may have a higher value than modern cars. These lower premiums are because classic vehicles have a lower risk of damage in an accident because they are rarely on the road. Consequently, many policies limit how many miles you can drive these vehicles. Classic car policies also include provisions for rehabilitating and storing your vehicle.

To learn more about how classic car insurance can benefit you, contact the experts at Attain Insurance, serving Fort Payne, AL. Our agents will be happy to explain your coverage options.

Learning the Differences Between Whole and Term Life Insurance in Fort Payne, AL

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Investing in the right life insurance policy is a crucial decision, especially as you begin to get older and consider the future you will leave for your family. For residents of Fort Payne, AL, understanding the differences between both whole and term life insurance can help you secure the right coverage for your needs and the financial goals that matter to you. At Attain Insurance, we’re here to help you better comprehend both whole and term life insurance so you can maintain your peace of mind throughout your senior years.

The Basics of Whole Life Insurance

Whole life insurance policies provide lifelong protection and coverage for individuals, with coverage accruing over the years. Key features of whole life insurance include lifetime coverage, cash value growth, and a fixed premium. A fixed premium is ideal for those who prefer consistent and predictable coverage.

Basics of Term Life Insurance

Term life insurance provides coverage for a set period. Most policies are 10, 20, or 30 years long. However, beneficiaries receive a death benefit if the policyholder passes away at any point during the policy term. Term life insurance does not offer cash value and provides only a death benefit. However, it is often more affordable and flexible than whole life insurance policies.

Securing your future should not have to feel confusing, stressful, or even impossible. Whether you’re considering term or whole life insurance for yourself, Attain Insurance can help you better understand your options and the policies that are right for you. If you’re a resident near Fort Payne, AL, and you’re in need of whole life or term life insurance, contact Attain Insurance for your free quote and consultation today.

How to Reduce Risk: A Guide To Commercial Insurance for Fort Payne Business Owners

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Nothing is worse than experiencing an auto accident, business shutdown, or injured employee – without adequate insurance to protect your business finances. Learn how to reduce your financial risk with a well-structured commercial insurance policy from Attain Insurance in Fort Payne, AL.

The following commercial coverages can help drastically reduce out-of-pocket expenses, downtime, and repair or replacement costs for local businesses of all sizes.

Reduce Your Business Risk with These Key Commercial Insurance Components

Vandalism and Theft Protections

Investing in a comprehensive commercial insurance policy is the best way to ensure complete protection from business perils like vandalism and theft. A comprehensive insurance policy can help businesses recover from unexpected shutdowns caused by vandals and offer reimbursement or replacement for missing inventory.

Natural Disaster Coverage

Indefinite business shutdowns caused by natural disasters can lead to thousands of dollars in out-of-pocket expenses without a well-structured commercial insurance plan. Talk to a trusted local insurance agent to learn how to safeguard your business finances from natural disasters like floods, hurricanes, tornadoes, earthquakes, and extreme heat.

Workers Compensation for Injured Employees

Fort Payne, AL businesses can lose thousands of man-hours and productivity when one or more of their employees sustains an injury on the job. Protect your bottom line with a commercial insurance policy that provides workers’ compensation coverage for injured employees.

Commercial Auto Insurance for Your Fleet

If your business operates one or more vehicles as part of its daily operations, include commercial auto insurance in your comprehensive insurance protection plan. Contact the insurance professionals at Attain Insurance in Fort Payne, AL, to learn how to invest in a well-structured commercial insurance plan that suits your unique business needs and get a quote today!

Is It Time to Update Your Home Insurance Policy?

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If you’ve lived in your home for more than a year, it may be time to update your home insurance policy. That’s where we come in. At Attain Insurance, we’re dedicated to helping homeowners in the Fort Payne, AL area get the quality coverage they need and deserve. Often, homeowners set up insurance when they purchase their home, and then they renew it on a regular schedule. Unfortunately, this doesn’t take into account any adjustments or changes.

Why Update Your Policy?

The upgrades you’ve made to your home, different family circumstances, and all kinds of other changes in life can affect your insurance. When you come to see us, you can talk to an agent about whether your policy is still suitable for your needs. Important updates may be needed, and a review of your policy will help us find them. Additionally, a different policy could be a better choice, and we can also help with that.

Comparing Policies

By providing different quotes from several insurers, we can help you compare your current policy to other options. If a different policy is better, we’ll set it up for you and ensure you cover your house adequately. Having good home coverage is vital for strong protection and also helps increase your peace of mind. There’s no reason to settle for less when we’re here to help make it easier for you to have the right coverage.

Contact Attain Insurance Today

Contact us today at Attain Insurance if you’re in the Fort Payne, AL, area and looking to update your home insurance policy or find a different one. Our agent helps you choose the right coverage for your home so you can feel confident in your policy.

Multi Car and Bundling with Your Auto Insurance

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One of the easiest ways to save money on auto insurance is to insure multiple vehicles under a single policy. Insurance companies in Fort Payne, AL, often offer multi-car discounts when you insure two or more vehicles. This particularly benefits households with multiple drivers, as it simplifies managing policies and reduces premium costs.

A multi-car policy allows the insurer to spread the risk across more vehicles, making it less costly for them and, in turn, offering lower rates. To qualify, the vehicles typically need to be registered at the same address, but different family members can own them. By bundling vehicles, customers can take advantage of a discount, usually ranging between 10% to 25%, depending on the insurer.

Bundling Auto Insurance with Other Policies

Bundling auto insurance with other types of insurance, such as homeowners, renters, or life insurance, is another effective way to lower overall insurance costs. Many insurers offer significant discounts when you purchase multiple policies from them. This practice, called bundling, saves money and makes managing insurance easier by consolidating coverage with a single provider.

When you bundle auto insurance with home or renters insurance, the discount can be as high as 20% or more. Additionally, insurers may offer better customer service, streamlined claims processes, and other perks for policyholders who choose to bundle. This can lead to both short-term savings and long-term advantages, including loyalty benefits. The goal should always involve communicating with your insurance agency about what is offered and when.  

Attain Insurance For a Better Understanding of Insurance

Attain Insurance offers all of the information you need to get insurance. Our agency serves the locations in and near Fort Payne, AL. Call today.

Reasons to Maintain RV Insurance During the Off Season

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Do you own an RV that you only use for a few months of the year and store it when not used? Either way, you’ll also want some coverage in place in the off-season. Here are some reasons why they are brought to you by the agents at Attain Insurance in Fort Payne, AL.

Claims Can Be Necessary Any Time of the Year

Planning ahead to have coverage even during the off-season is a wise move to protect your RV investment. Some situations when your insurance can be invaluable include:

  • Vandalism and theft of your recreational vehicle can occur even when it’s stored in a secure place. Without protection, you may face costly repairs and replacements that you’ll have to pay for.
  • Devastating incidents like hail damage, flooding, and high winds from storms can result in high repair costs that you’ll have to cover without a policy. This is a real risk if you store your RV outdoors.
  • Damage can occur with indoor storage, such as the facility or your storage area catching fire. Should your RV get burned, homeowner’s insurance won’t cover it, but a supplemental fire policy will.

Additional RV Coverage Options

In some situations, it’s possible to carry storage-only insurance, which is known as a Storage Option policy for recreational vehicles. This coverage picks up costs related to vandalism, falling objects, animal damage, theft, and weather-related losses, but not for collisions. This could be a good policy option if you store your RV for a long time.

Get the Right Insurance Coverage Year Round for Your RV

RV insurance is invaluable if you want coverage off-season, year-round, or both. Contact Attain Insurance in Fort Payne, AL, today for more information and to discuss what policies will best suit your needs.

Why The Need For Flood Insurance is Increasing

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Many homeowners may not be aware that flood insurance is generally not included in basic homeowners insurance policies. Acquiring separate flood insurance for your home is crucial, even though it may not be apparent. If you own a home in Fort Payne, AL, Attain Insurance wants you to consider the reasons why you should consider flood insurance protection.

Increasing Intensity of Storms

Many experts claim that storm frequency and intensity are increasing. This means that rainfall can be heavier and longer.

Rising Waters

Rising waters, especially along the coast and waterways, are increasing flooding risks, putting more homes in jeopardy.

Increasing Developments

More housing and commercial developments are changing where and how water flows, increasing the number of flood-prone areas. Homes not previously subject to flooding may now be at risk.

Getting a Quote on Flood Insurance

If you wonder whether you should acquire flood insurance, contact Attain Insurance of Fort Payne, AL. We can discuss your risks and help facilitate your application through the National Flood Insurance Program.

We can also answer any other questions you may have about your homeowner’s insurance and conduct a no-cost, no-obligation review. We can even provide a quote for your home insurance, with or without flood insurance included.

Protect your investment from the growing threat of flooding with Attain Insurance of Fort Payne, AL.