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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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Creating and storing a home inventory

If you have been putting off making a home inventory or failed to understand why it is important, now is the time to decide to go for it. You will realize how helpful having an inventory can be when you file a claim. At Attain Insurance in Fort Payne, AL, we are here to help you with the purchase of your home insurance policy and any claims that you may need to make. 

Making a home inventory is a time-consuming occupation. It would be best if you got a pad and pen to write things down, a phone, or a camera to take pictures. You go to one room at a time in your home and document everything in that room. Give as much detail as possible, and when possible, give the brand name and any identifying numbers on the items. Take pictures of the room from several different angles and attach any receipts of sales slips that you may have. 

Open every drawer, cabinet, and closet. Remember to go to the attic, basement, garage, and every storage unit under the bed. Document the books in your bookcase and the holiday decorations in your attic. You will likely be surprised by the amount of stuff that you actually own. 

After you have completed the inventory, you need to find a safe place to store it. Storing it in your home is not the best option, but if it must be there, make sure it is stored in a fireproof, water-resistant container. A safe deposit box is a better option. No matter where you store it, please have a copy on the cloud so you can access it anywhere. 

If you have questions about home insurance, contact our office at Attain Insurance in Fort Payne, AL. As independent insurance agents, we can offer more choices and the best rates. 


Winter Driving Safety Tips

Expert Guide to Safe Winter Driving

Winter driving in Fort Payne, AL can be terrifying and risky, especially in regions with treacherous winter precipitation. The professionals at Attain Insurance recommend preparing your vehicle for winter to ensure safety during emergencies.

Winter Driving Preparation Tips

Follow this guide to prepare your vehicle for winter driving. Maintain your car health – check battery, maintain tire tread, clean wipers, ensure no-freeze washer fluid, and check the engine’s anti-freeze. Plan your driving route in advance and communicate it with family or friends.

Winter Driving Best Practices

Educate yourself on handling a skid, understand your brakes, provide extra distance between vehicles on slippery roads, and safely idle your vehicle, ensuring you clear the exhaust pipe.

Essentials to Keep in Your Car

Essentials you should always keep in your car include a flashlight, jumper cables, abrasive material for traction, a shovel, snow brush, ice scraper, warning devices like flares, and blankets. For long journeys, include nonperishable food and water.

Attain Insurance: Your Preferred Insurance Agency

For more information about protecting your vehicle further, contact the Attain Insurance team at 256-845-8979 or online.

Making Your Winter Journeys Safer

Winter roads are unpredictable. Encountering issues on the road during this season can be challenging and stressful. That’s why we’re here to help. Our experts at Attain Insurance can provide you with a comprehensive auto policy that fits your needs, giving you the confidence and security to navigate through the winter season safely. Contact us today to learn more.

What are the advantages of adding extra coverage for my RV?

Depending on what kind of RV you own, you may be legally required to carry at least liability insurance. All states require some proof of financial responsibility for every motor vehicle operating on a public roadway. However, minimum coverage probably does not provide you with the amount of coverage you need. Attain Insurance can help Fort Payne, AL owners find the protection they need.

Liability Coverage

Liability coverage is considered the most basic coverage for any vehicle. If you have liability insurance, you are protected when you are found to be at fault in an accident. However, that protection does not extend to you and only covers certain kinds of situations. If you want more protection, you need to look at additional coverage.

Additional Kinds of Coverage

There are many other kinds of protection you can get for your RV.

  • Protection from theft or vandalism
  • Collision coverage, so your own damages are covered in case of an accident
  • Comprehensive coverage for protection when the damage is caused by something besides a collision, such as a falling limb or a collision with an animal
  • Uninsured and underinsured motorist 
  • Total loss replacement, instead of a replacement value based on depreciation
  • Roadside assistance
  • Custom equipment coverage 
  • Pet injury coverage

Contact Attain Insurance for All Your Insurance Questions

Fort Payne, AL, RV owners have an important asset that too often does not have the best protection. Full coverage can provide all the protection you need, and you will be required to carry full coverage insurance while you are still paying for your RV. If you would like to discuss an RV insurance policy or have any questions about insurance, please call Attain Insurance today.

Historical Overview of Flood Insurance

The historical evolution of flood insurance traces back to when communities recognized their properties’ vulnerability to natural disasters, even in the Fort Payne, AL, area. The destructive force of floods prompted the realization that conventional insurance coverage fell short of providing adequate protection against such perils.

Government Intervention for Risk Mitigation

The National Flood Insurance Act of 1968 was enacted in the United States. Fueled by the devastation caused by Hurricane Betsy in 1965, this legislation marked a significant shift. It aimed to reduce the government’s and individuals’ financial burden by establishing the National Flood Insurance Program (NFIP).

Government-Backed Initiative

The NFIP, managed by (FEMA), introduced a structured approach to flood insurance. It offered policies that covered flood-related damages, filling a crucial gap in traditional insurance offerings. This government-backed initiative sought to incentivize communities to adopt and enforce sound floodplain management practices.

Adapting to Changing Realities

Over the years, flood insurance has faced challenges, particularly in the wake of catastrophic events that strained the resources of the NFIP. The program underwent reforms to enhance its financial sustainability while providing vital coverage. With the changing events of weather, improvision became more prevalent over the decades as adapting became a new way of life. 

Encouraging Private Innovation

In recent years, a notable shift has been witnessed with the growing involvement of the private insurance market in providing flood coverage. This diversification aims to foster innovation, offer tailored policies, and complement the efforts of government-backed programs. It reflects a recognition of the evolving risks associated with climate change and the need for a more comprehensive approach to flood risk management to this day. 

How Attain Insurance Can Help You

At Attain Insurance, we can help answer questions concerning flood insurance. We serve the Fort Payne, AL, area. Contact us today.

What Does a Fort Wayne, AL Insurance Company Consider as a Classic Car?

Not every old or vintage car qualifies for classic car insurance in Fort Payne, AL. Many insurance companies, including Attain Insurance, offer specialized classic car insurance, but you need to understand how a classic car is categorized.

Defining Classic Cars in Fort Payne, AL

In Alabama, many different versions of the criteria define a classic car. If your vehicle meets specific criteria, you can register it as a vintage car in the state.

However, insurance companies have their own criteria for classic car designation. They may base your vehicle’s classic car designation on a combination of one or more of the following:

  • Age of the car, with 20 or more years old most typical
  • The condition of the car
  • How much of the original design and features the car retain
  • Make and model of the car
  • If the car has historical significance
  • How you use or plan to use the car

No universal rules exist for insurance companies.

Do I Want Classic Car Insurance?

Classic car insurance typically costs less. The car will see less driving and activity, which lowers the risk profile. Insurance companies may impose strict limitations or requirements for a classic car to be eligible for or maintain classic car insurance. In addition, a classic car’s value is an agreed-on or stated value. This means you state the car’s value and back it up with documentation or an appraisal. If the insurance company agrees, that static value becomes your covered amount.

Even with classic car insurance, you may want additional or specialized coverage for certain aspects of your car. For example, if the automobile has high-value, rare, or unique parts. If you display the car or bring it to shows, you may also want coverage for certain aspects of your process.

If you have a classic car in Fort Payne, AL, or want to know if your classic or vintage car is eligible for our classic car insurance, contact Attain Insurance right now.

Life’s Unpredictability: How Fort Payne Residents Can Benefit from Life Insurance

When Fort Payne, AL residents contemplate their future, life insurance is bound to become a primary concern. Attain Insurance understands where you are coming from, and our primary objective is simple. We want to align our clients with the life insurance policies that will provide them with the most benefits. To learn more about these awesome advantages, be sure to read on.

Peace of Mind

The peace of mind that a life insurance policy has to offer is top-of-the-line and second to none. By taking the time to consider every possibility beforehand, the policyholder can enjoy the security that comes with knowing that their loved ones will always be taken care of. Life is unpredictable, but your life insurance policy should not add to the uncertainty.

Added Retirement Stability

Life insurance policies often provide those who have retired with an added stream of revenue that they can tap into if they find themselves in need. While these policies should not ever replace a traditional retirement fund, they offer a bit of added stability if unexpected issues arise.

Alleviating Family Burdens

The stress and anxiety associated with final expenses is the last thing a family wants to deal with during a tumultuous time. That’s why the onus is placed on the policyholder to take all the necessary steps so that their loved ones cannot figure it all out alone.

Life insurance is a crucial responsibility that cannot be neglected as we age. To find out more about the life insurance policies that will work best for your specific concerns, take the time to contact our experienced professionals in Fort Payne, AL. We give each prospective client a clear picture of what to expect!

Emerging Risks in the Digital Age: Cyber Liability Insurance for Businesses

In today’s digital age, businesses in Fort Payne, AL, and surrounding areas rely heavily on technology and data to drive operations and connect with customers. While these advancements bring numerous benefits, they also introduce new and evolving risks, such as cybersecurity. 

The Rising Threat of Cyberattacks

With the proliferation of interconnected systems and the vast amount of sensitive data stored electronically, cyberattacks have become a significant concern for businesses. Hackers continually develop new tactics to exploit vulnerabilities, making it challenging for organizations to stay ahead of the curve. These attacks can result in data breaches, financial losses, reputational damage, and legal liabilities.

The Cost of Cyber Incidents

Cyber incidents can have devastating financial implications for businesses. The costs associated with addressing a data breach or cyberattack can include:

  • Legal fees.
  • Regulatory fines.
  • Notification and credit monitoring services for affected customers.
  • Expenses related to restoring systems and data.

The Need for Cyber Liability Insurance

As they recognize the growing risk, businesses increasingly turn to cyber liability insurance as a vital component of their risk management strategy. This type of insurance helps companies mitigate the financial impact of a cyber incident. It typically covers expenses related to data breach response, legal defense, and third-party liability claims.

Tailoring Coverage to Specific Risks

One key advantage of cyber liability insurance is its flexibility. Businesses can customize their coverage to address their specific risks and needs. This can include coverage for business interruption losses, public relations efforts to rebuild reputation, and even expenses related to ransomware payments. The ability to tailor coverage ensures that businesses are adequately protected during a cyber incident.

Attain Insurance Can Help You with Commercial Insurance

At Attain Insurance, we can answer all your questions concerning commercial insurance. We assist the Fort Payne, AL region. Contact us today. 

Three Ways Home Insurance Protects You

As a homeowner, you know how much you do to protect your home. One of the most important things you can do for this is to have home insurance. It protects you in several ways; no homeowner should be without it. If you need a home insurance policy, we’re here to help. To get your home insurance in Fort Payne, AL, call us at Attain Insurance. 

Home Protection

Having home insurance will protect the home itself. This is perhaps the best-known type of protection this insurance provides. When a covered incident, such as certain disasters or calamities, happens, the damage caused to the home is covered. This allows you to get the repairs paid for by the policy. Without home insurance, you would be responsible for paying all of these bills, which can cause thousands or even more. It’s important to always have this coverage for as long as you own the home. 

Possession Protection

When a covered incident happens to your home, it may not cause damage to just the structure. The items inside the house may also be damaged, ruined, or destroyed. When this happens, your home insurance policy can replace the items. It can pay for replacements that would be too expensive to pay for on your own. 

Liability Protection

If someone comes to your property and gets injured there, they may have a lot of medical bills. You’re responsible for paying those bills. When you have home insurance, the policy will pay your bills. This is coverage that many people don’t think about, but it’s great to have it just in case of an accident. 

Get Your Home Insurance Policy

If you’re in Fort Payne, AL, and need a home insurance policy, call us at Attain Insurance.

Types of Auto Insurance Coverage

Car insurance is crucial if you’re driving in Fort Payne, AL. However, understanding the various types of coverage can be complicated. Attain Insurance simplifies the different types of auto insurance coverage, giving you the knowledge to make wise decisions on safeguarding yourself and your car while driving.

1. Liability Insurance

In almost all states, you must have liability insurance which pays for damages to other people’s property or medical expenses if you are responsible for an accident. However, it does not cover any damage to your vehicle. Nevertheless, it is essential as it offers vital protection from damage to third-party belongings.

2. Collision Coverage

If you get into a crash with another car or object, collision coverage is insurance that covers any damages to your vehicle. Although you can choose whether or not to get it, if you’re financing or leasing your car, the lender may make it mandatory.

3. Comprehensive Coverage

You can get comprehensive coverage, which will pay for damages to your car that result from non-collision incidents such as theft, vandalism, weather damage, and animal collisions.

4. Personal Injury Protection

In Alabama, you can purchase Personal Injury Protection (PIP) insurance, which can cover medical expenses and lost wages for you and any passengers involved in an accident.

5. Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can be useful if you are involved in an accident with a driver who either lacks sufficient insurance to pay for the damages or has no insurance. This coverage helps cover expenses such as property damage, lost wages, and medical bills.

Understanding the different types of auto insurance coverage can help you make informed decisions in Fort Payne, AL. Contact Attain Insurance to discuss your situation and find the right auto coverage for now and the future.

Does RV Insurance Cover Hospital Costs?

RV insurance is designed to cover the risks of traveling in a motorhome. If you are in an accident, regardless of fault, most RV policies will cover medical payments for you and your injured party. If you want to learn more about RV insurance, contact our team at Attain Insurance, serving the residents in and around the Fort Payne, AL, area. 

RV Insurance Protection

If you travel in an RV, whether you own it or rent it, you’ll want to secure RV insurance coverage. This insurance is required in most states, but laws vary depending on the location. It’s always best to have this insurance in place to stay compliant no matter where the road leads you. If you are involved in an accident with injuries, your RV insurance will likely provide medical payments to cover the cost of medical treatment after the incident. 

If you want to find the right RV insurance policy or learn more about what it covers, you can speak to one of our helpful team members, who is happy to provide answers and support while choosing a policy. We strive to provide you with education, document submission, policy selection recommendations, and more. We are committed to assisting each client for the lifetime of their insurance policies. 

Reach Out to Learn More 

Don’t hesitate to shop for the best RV insurance policy before you set out on the open road. Call or stop by Attain Insurance, serving Fort Payne, AL, today to speak with an agent. We can walk you through the entire process to make choosing the right policy a breeze and maintain the proper coverage convenient.