Owning a car in the Fort Payne, AL area is a necessity for a lot of people. For car lovers, an ultimate dream would be to one day own a classic car. When you do have a classic car, you could have a beautiful vehicle to drive around town while also enjoying the appreciation benefits that can come with it. When you are looking for a classic car here, you should get a classic car insurance policy. There are several situations when someone should get this coverage.
Those that Want to Protect Investment
One situation when someone will want to get a classic car insurance policy is when they want to protect their investment. While most vehicles will decline in value as the years go by, a classic car can actually appreciate. Due to this, you should make sure that your investment is as well protected as possible. With a classic car insurance policy, you can get the coverage needed to protect the investment benefits that come with your car.
Those that Want Correct Liability Coverage
All drivers in Alabama need to have liability coverage. However, since a classic car is driven infrequently, the actual liability risk is lower than it is with other vehicles. When you get a classic car insurance policy, your coverage will be reflective of this reduced liability risk, which could result in more affordable premiums.
There are always going to be great reasons to get into a classic car insurance policy. For those that are in the Fort Payne, AL area, it would be a good idea to call Attain Insurance to discuss your insurance needs. The team with Attain Insurance will understand how important it is that you cover your vehicle and they can help you build a quality policy.
It’s important for you to purchase RV insurance if you own and travel in an RV in Fort Payne, AL. We provide RV insurance policies to consumers to Attain Insurance.
The following are a few misconceptions you should be aware of when it comes to RV insurance.
An RV is covered by a standard auto or home insurance policy.
You need to invest in an insurance policy that specifically provides RV coverage. A home insurance or auto insurance policy is not going to provide adequate coverage for your RV.
RVs are distinct from vehicles because they contain features like sleeping quarters and more. They also contain many more of an RV owner’s possessions than a standard automobile will. These are some of the main reasons why investing in an RV insurance policy is important.
RV insurance automatically provides bumper to bumper coverage.
You need to read the fine print on your RV insurance policy. It won’t necessarily provide bumper to bumper coverage. There could be certain components of an RV that won’t be covered under a policy. That’s why it’s so important to understand the details and add on any coverage that you notice is left out where possible.
Personal property within an RV will be covered under a homeowners insurance policy.
You need to also read the fine print regarding coverage for your possessions under your RV insurance policy. Some RV owners assume that their home insurance policy will cover damage to possessions within their RV. However, this is not necessarily the case.
We can help you learn more about your RV insurance options in Fort Payne, AL. Get in touch with us at Attain Insurance to learn more.
Attain Insurance serves the Fort Payne, AL community by offering residents several types of insurance coverage. We want to make sure that our clients find policies that will cover them regardless of their situation. Providing our clients with excellent customer service is our main priority.
If you own a plane in Fort Payne, AL, Aviation insurance will help you fly comfortably. The policy ensures that you will be protected against the risks of operating an aircraft. Primarily, aviation insurance covers you if your aircraft damages another object in a collision. The policy is very beneficial if a disaster were to occur.
Passenger liability coverage is also important. The policy protects anyone riding in the aircraft with you if they are seriously injured in an accident. The policy is a necessity if you are operating a large aircraft. You can also amend your policy based on the number of passengers that are normally on the aircraft. This may help you during a potential liability dispute. The policy also covers you if you have to land the airplane for a few minutes before taking flight again. You will be protected if the plane is damaged while it is parked.
Ground risk insurance covers your aircraft if it is damaged by a natural disaster, fire, flood, or a flying object while it is not moving or it is stored. Consider having the aircraft appraised to help determine its true value. You can also add coverage so that you will be protected if the airplane experiences difficulties while you are in the process of landing.
Attain Insurance Will Help You Find Coverage That Fits
For more information on aviation insurance, visit our website today!
Fort Payne, AL is a lovely town with all the natural beauty and amenities that anyone would desire to live in the south. We all know how beautiful yet unpredictable the weather is in the region and at Attain Insurance we want everyone to fully understand what is covered when they purchase insurance for their auto, life, home, business, or more. This is why we have compiled a list of common flood insurance questions.
Flood Insurance Frequently Asked Questions:
- Why would I need flood insurance when I have auto, home, and/or business policies? According to the Alabama Department of Insurance standard home policies do not cover floods damage. This can be surprising if you did not know this and assumed you were covered. We will be happy to discuss exactly what is covered in your home and with your flood insurance add-on.
- Do I really need flood insurance if I do not live in a high-risk area? Yes, even if you do not enjoy the amenities of river or lakefront living in Alabama your home or property may still have flood damage during weather fluctuations that are common in the area. It is an easy way to purchase a piece of mind, even if the risk is lower for you than your waterfront friends.
- Do I need flood insurance, legally? No, it is not a legal requirement like auto insurance. However, if you live in a flood plane you likely have a requirement to keep flood coverage by your mortgage company.
Attain Insurance serves the community of Fort Payne, AL with all their insurance needs. If you live in the area give us a call to discuss any flood insurance questions you may have and to add to your policy.
If you a classic car lover buying a sporty retro roadster, then you probably want to protect your new precious possession. The best way to do it is to get classic car insurance. However, this type of insurance is different from standard auto insurance, and it also has some specifics that you should know about. Attain Insurance serving clients from Fort Payne, AL has prepared the list of things you should know about classic car insurance:
- In order to qualify for this specific coverage, a vehicle must meet certain conditions. One of them is the storage: a classic car needs to be stored in a locked garage. It also needs to be driven only occasionally as a hobby vehicle rather than a regular car that you drive every day. A vehicle needs to be in a good condition and close to the original factory specifications.
- A deductible depends on a policy. Some policies provide a zero-deductible policy, while others make it standard. It is important to discuss it with an insurance agent to find out what the options are.
- There is a difference between classic and antique cars. A classic car is at least 10 years old and has achieved rare or historic interest due to the limited production of exceptionally fine workmanship. An antique car is at least 25 years old and is licensed as antique with the Department of Motor Vehicles.
Classic car insurance is a necessity if you are a car lover and you own one of the classic vehicles. Insurance does not only protect your vehicle, but it also gives you peace of mind. If you are looking for a classic car insurance policy in the state of Alabama, Attain Insurance serving Fort Payne, AL is ready to assist you. Do not hesitate to give us a call to talk to one of our knowledgable and experienced agents.
When most people think of a life insurance policy, they probably think of a whole life policy, also called life insurance. A number of kinds of policies exist though including term life, universal life, and universal indexed life.
Here’s the basic difference between the policies. A whole life policy remains intact for your whole life so long as you pay the premiums. A term life policy remains intact for the specific finite term for which you pay for it, typically 10, 20, or 30 years.
Within the category of whole life, you have multiple choices of accounts that provide a death benefit and a cash value account that lets you build savings that also include an investment component. You pay premiums to the insurance agency. Part of the money goes to your premium while the remainder goes into your cash-value account. Your cash value account gets invested in a money market or stocks, typically tied to an index such as the S&P 500.
Some small policies called guaranteed life also exist. These require no health exam, but they only cover a small death benefit. A few also contain a cash-value account, but the accounts do not usually gain a high value since the premiums for a guaranteed policy are not much. The death benefit of this type of policy is usually $70,000 or less.
Few term policies include a cash value account. These policies only last a finite term, so the feature of a savings component does not fit. If you did not renew the term policy, you would lose the account since it does not exist separately from the insurance policy.
Contact Attain Insurance of Fort Payne, AL for more information on the life insurance options we can offer you. We have policies to fit every income and age.
Do you need to have commercial insurance if you operate a business in Alabama? The simple answer is yes, though the type of policies you require depends on different factors. An agent from Attain Insurance of the Fort Payne, AL area can assist you with such matters.
Commercial Insurance Considerations in Alabama
For one, it’s not necessary that you have commercial liability insurance for your Alabama business since Alabama is a fault state where the plaintiff can only get compensation if they share no liability for an accident. However, it’s beneficial to have this in place because lawsuits do happen. In most cases, your liability insurance will cover at least a portion of the legal costs when your business is involved in a lawsuit. It also covers bodily injury, personal injury (libel, slander, wrongful eviction, etc.) and property damage if this occurs at your place of business or on a worksite. You’ll want to double-check the specifics of what is offered in your policy.
It is required that you have workers’ compensation insurance in Alabama if your company employs 5 or more people who aren’t related to you by blood and it also doesn’t apply to contractors. This is regardless of their status as full or part-time employees.
Commercial Auto Insurance
Since auto insurance is required in Alabama for all drivers, it stands to reason that the state also mandates commercial auto insurance if you’re driving a vehicle for business purposes. This also should cover employees who use business vehicles.
An Attain Insurance agent in Fort Payne, AL can give you further information, like determining what your minimum coverage and deductibles should be for your commercial insurance policies.
Pets are an integral part of the family for millions of residents in Alabama state. Living with pets can be fun, entertaining, and even relaxing, but it doesn’t always go so smoothly. Some pets have a particular knack for getting up to mischief. In Alabama, homeowner’s policies are explicit in that any sort of damage caused by your pet to your home or personal property will not be covered. Do you know its possible to find a cover included in your home insurance that covers accidental damage and doesn’t exclude damage caused by your pet? We at Attain Insurance in Fort Payne have a dedicated policy expert team always ready to assist you in finding the right policy as per your needs.
What pet cover will home insurance provide?
Property damage liability: This home insurance policy will cover if your pet destroys someone else’s property. Your insurance will provide the fees to repair the damaged property as well as any legal fees from a potential lawsuit.
Bodily injury liability: Homeowners policy provides coverage for damages arising from injuries caused by your pet to your guests or injuries caused by your pet to tenants and guests in someone else’s house.
Accidental damage: This type of policy can cover your pets, causing unintentional damage to your building and your contents.
How much coverage do I need for my pet?
Your homeowner’s policy has a liability limit.’ To understand your potential pet liability cost and the amount of coverage you need, think about the amount it may cost for medical expenses and probable lawsuit.
If you want to ensure you have adequate coverage in place, an umbrella policy is an added layer of protection that provides a much higher level of coverage to your pet financially.
Are you a pet owner in Fort Payne, Alabama? Call us or visit our Attain Insurance website for more information!
If you are a driver in Alabama, you already know that you need to have mandatory liability insurance and other auto insurance basics. The Fort Payne, AL roads can get pretty dangerous, and if you are not adequately insured, you may end up paying large sums of money for injuries or lawsuits. In order to stay safe, Attain Insurance recommends buying adequate coverage to protect you and other road users in Alabama. Here is what you should know about auto insurance in Fort Payne, AL.
Alabama uses the ‘fault’ system
When it comes to financial responsibilities for vehicle damage and injuries, Alabama uses the ‘fault’ system to make things easier and transparent for drivers. That means if you are at fault in the event of an accident, you are responsible for any damage, loss, or injuries sustained in that accident. Depending on your agreement, third parties can:
- File claims with their insurance provider
- File a claim your insurance provider or
- File personal injury lawsuit
Liability coverage is mandatory
The state of Alabama requires all drivers to carry minimum liability coverage in the following sections:
- Property damage for an accident that you accused
- Bodily injury liability when two or more people are injured in an accident where you were at fault.
- Bodily injury liability when a person is injured in an accident that you caused.
Basic coverage pays for property damage, medical bills, and other costs. Note that when you get injured in an accident that you caused, liability coverage won’t help you. In this case, you may need to carry more coverage to protect yourself and your car.
There are penalties for driving without insurance.
If you are caught violating auto insurance laws, particularly the Alabama mandatory Liability insurance law, you could face penalties amounting to hundreds of dollars. Subsequent violations can lead to a more significant fine and/or license suspension.
For more details about auto insurance, reach us at Attain Insurance today!
Being able to travel around the country knowing that you already have your living arrangements within your transportation is amazing. Having a recreational vehicle (aka RV) is a vehicle that many individuals look forward to obtaining for a long time. Insurance is both for your safety of those that occupy it plus the financial investment that you put into it.
Here at Attain Insurance, we are an agency that serves the residents of Fort Payne, AL. We aim to ensure that all of our clients receive the insurance they need. RV’s are financial investments that need to be protected as they serve as transportation and short/long term homes to individuals. When an individual/family believes that it is a great move for them to invest in an RV, it is important to protect that asset. Here is some advice on why you need recreational insurance for your RV.
Having RV insurance can cover you from situations including at-fault accidents. The financial expenses of property damage and/or bodily injuries should be included within your policy. The amount of coverage depends upon your RV size and the appropriate amount for your RV needs. RV insurance also covers situations that are out of your control including theft, vandalism, and weather damage. If you are not sure what type of insurance is best for you, our team will do our best to pair you with the best policy for your wants and needs.
Are you ready to start shopping for your recreational insurance? One of our representatives can assist you if you would like to call or email our office, and an agent will respond to you in a timely fashion.