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611 Gault ave S
Fort Payne, AL 35967

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How to Keep Your Home Safe in the Winter Months

Winter can be an exciting time filled with fun snow activities and the Christmas season. Unfortunately, it can also come with more risks of damage to your home or higher energy bills. When the winter months arrive, you might want to know how to care for your house as a homeowner. The following tips might help you protect your home and save money during winter.

Protecting your home during the winter

Have your roof inspected

Before winter hits, having your roof inspected by a professional is a good idea. Sometimes, a professional can spot cracks or other issues that need to be fixed so that water and snow don’t leak through and ruin your home.

Inspect and prepare your pipes

Winter can be hard on your pipes. If they are not properly insulated, they could freeze and burst. Damaged pipes mean flooding, which means more damage and money down the drain.

Clean gutters regularly

Your gutters can get dirty and filled with debris. This can cause a blockage. When they get blocked, water builds up. It can then freeze in the winter, breaking or damaging the gutters.

Check windows and doors.

If your windows and doors are not sealed properly, they can let in a lot of cold air, using more energy to heat your house. It can waste a lot of money. Check your windows and doors and make sure that they are sealed. This can save a lot of money over time.

Check that the house is well insulated.

If your house is not well insulated, you will lose heat faster, which drives up your energy bill. Check your house to ensure it has enough insulation, and fix it if it doesn’t. Your home will feel warmer, and your bank account will thank you.

Contact us

For more information about home protection, contact us at Attain Insurance in Fort Payne, AL.

Why basic auto insurance isn’t always the right choice

Basic auto insurance is the minimum the state requires to be able to drive in Alabama. It is liability only and does not offer any protection for your car. In Fort Payne, AL, Attain Insurance has a team of insurance experts who are here to help you to make the right choice when it comes to auto insurance that is right for you. 

In Alabama, the basic amount of auto insurance required is 25/50/25. That is $25,000 for personal injury, $50,000 for more than one injury, and $25,000 for property damage. This may or may not be adequate coverage for you. Your coverage should reflect your assets. 

If you are like most people, you depend on your vehicle to do your regular daily activities. If you are in an auto accident, you might not have the ready cash to pay for any repairs or to replace the vehicle if it is a total loss. There are types of insurance that could help if you have the coverage. 

Collision coverage

If you are responsible for an accident, a single-car accident, or a hit-and-run victim, you must pay to have your vehicle repaired. If that is a challenge, it makes sense to have collision insurance unless your car has very little value. 

Comprehensive coverage

Comprehensive coverage for your vehicle covers just about everything but a collision. It covers theft or vandalism, deer damage from an impact, and many weather events. If a branch falls from a tree, you are covered; if hail damages your paint, it’s covered. Glass is also included, and having complete glass coverage is a good idea. 

Contact Attain Insurance in Fort Payne, AL, for information about auto insurance coverage. 

Why should someone get RV insurance in Alabama?

If you are a resident of the Fort Payne, AL area, you will likely know that there are a lot of great places to explore all over the state. When looking for a way to enjoy it all, having an RV can be a great option. Being an RV owner gives you a place to sleep when not on the road and a safe mode of transportation. If you get an RV, you should also have the right insurance for it. This coverage is vital for various reasons. 

Ensures your RV is Covered

An important reason to get RV insurance is to ensure your RV is protected against incidents on and off the road. An RV is a significant asset and investment; protecting it as well as possible should be a priority. An RV insurance plan will give the coverage needed to ensure you can repair or replace the RV if you incur a covered loss. This would help you financially in the long run.

Reduce Liability Risks

RV owners need to be aware that they take on a unique set of liability risks that almost combine those faced by auto and homeowners. Due to this, having the proper insurance to mitigate it is very important. If you are insured with an RV insurance plan, you will get the coverage necessary to reduce your liability risks. 

When you are looking for an RV insurance plan in the Fort Payne, AL area, it would be wise to call someone that you can trust, and that has experience with this type of insurance. The team with Attain Insurance can provide any of the support that is necessary for this situation. Attain Insurance works hard to ensure they understand your insurance needs and provide guidance when building your policy. 

Common Flood Insurance Exclusions

Flood insurance can save your property on a rainy day, literally. Floods can result in significant damage, which can harm your finances significantly. But wait! Won’t home insurance cover the damage? We are sorry. Standard home insurance doesn’t cover flood damage, leaving you to cover such damage out-of-pocket.

Now that you need flood insurance in Fort Payne, AL to protect your home from floods, do you know about flood insurance exclusions? Like most insurance policies, flood insurance has exclusions and limitations. Attain Insurance takes you through common risks not covered by your flood insurance policy.

Loss of use

Home insurance will likely cover additional living expenses if a covered loss makes your home unlivable. However, this might not be a perk of standard flood insurance, especially if purchased through the National Flood Insurance Program (NFIP). Please consult your insurance agent to determine whether "loss of use" is covered.

Self-propelled assets

Your self-propelled assets, like your vehicle and aircraft, are unlikely to be covered by your home’s flood insurance policy. When flooding damages your vehicle or aircraft, you must claim the damage from your auto or aircraft insurer.

Outdoor property

Flood insurance covers your main dwelling. As such, flood insurance may not protect your fence, swimming pool, and shed. However, you can consult your flood insurance provider to find out what properties are excluded.

Internal floods

Has your house flooded because of a faulty tap or leaky pipe? Flood insurance won’t cover the resulting damage. You will have to file a claim with your home insurance provider.

Earth movement

Flood insurance won’t cover the damage to your house if sinkholes or earthquakes cause it, even if the cause of the earth’s movement is floods. You will have to seek compensation from your earthquake insurance for such damage.

Want to learn more about flood insurance? Want to purchase flood insurance in Fort Payne, AL? Please get in touch with Attain Insurance for all your flood insurance solutions.

Protecting a classic car that’s in storage

Attain Insurance is here for the greater Fort Payne, AL area. If you have questions about insurance, we are here to answer them. Our team understands that classic cars represent a significant investment. We can help you find an insurance policy that provides appropriate protection. Contact us today to learn more!

Protect your classic car wherever it is

Did you know that your insurance needs can sometimes differ depending on where your classic car is stored? Some policies provide different protection depending on whether your classic car is kept at your home or housed at an off-site storage unit. 

There can be possible gaps in protection if your policy is not geared toward the actualities of your life. Make sure that your classic car is protected wherever you choose to store it. An experienced agent can help you determine which policy is right for you based on this type of specific detail.

Other considerations affecting your insurance are how often and how far you drive the vehicle. If your classic car remains in storage most of the time and comes out when you travel to classic car shows, your insurance needs could differ from someone who likes to take their classic vehicle on weekly drives. However you use your car, be sure it is well protected with an appropriate classic car policy. 

Make sure your classic car has the proper protection

Fort Payne, AL residents can turn to the Attain Insurance team for all their insurance needs. If you want to review your classic car insurance policy to ensure it provides the protection you want, we are here to help. Give us a call or stop by our office today. 

Five Factors that influence life insurance in Fort Payne, AL

Attain Insurance wants to take the mystery out of life insurance. There are many misconceptions about how life insurance premiums are calculated. While this can lead to confusion, Attain Insurance strives to simplify the process. 

While there are many factors to consider, our agency wants to share five common demographic indicators that impact life insurance.

Policy type

Term limits and policy length directly influence premiums and payouts the most. Because of guaranteed death benefits, permanent life insurance policies are more expensive than term life.


Life insurance costs more as you age. Younger individuals are expected to live longer, which means more time to pay for premiums. That’s why it’s essential to lock in rates early. 


Also, due to longer life expectancies, women typically pay lower rates when compared to men. On average, women in the U.S. live five years longer.

Medical History

Insurers will screen for any medical red flags. Pre-existing conditions or chronic diseases will increase premiums. Or, these ailments could disqualify you from coverage altogether.

Family History

It’s not just your medical history that will be examined. Even if you are currently healthy, a pattern of illness in your family can produce the same results. Underwriters must evaluate the likelihood of you developing these same problems later in life.


Some jobs carry added danger. But insurers will look at how you spend your free time too. High-risk hobbies and behaviors will be reviewed. While this is a broad category, this includes your financial history, criminal record, overseas travel, tobacco use, or even your driving record.

Find an agent serving Fort Payne, AL.

Attain Insurance is more than just a great resource. In addition to this helpful information, their experienced agents can provide a personalized life insurance policy. Schedule an appointment today.

How To Respond When Your Business is Defamed Online

Social media sites are an essential tool for promoting your business and brand. However, this can also be dangerous if you don’t know how to respond when people post negative comments about you. You probably think that there’s nothing you can do about it, but think again. Here is your guide to handling online slander, brought to you by Attain Insurance of Fort Payne, AL.

Stay Calm

This simple but essential step will help you deal with defamation. You should never engage with fury or upset when you receive negative comments about your business online. This is highly unprofessional, and if you get caught up in the moment, you may respond in a way that causes more harm than good to your brand.

Create a Response Plan

You want to be ready to respond. If you’re caught off guard, it’s easy to say something you regret. So, write out a response plan. In your project, you want to consider how you will respond to the comment. Be as specific as possible. Think about what you’re going to say. Write it down. Read it a few times and even ask someone you trust what they think about the tone of your reply. Hopefully, you’ll be able to work things out with some collected, professional engagement. If not…

Seek Legal Counsel

Sometimes you can’t save your reputation on your own. In these cases, you’ll want to hire an attorney specializing in defamation cases. They will be able to help you file a lawsuit. If you win, the court will order that the defamatory comments be removed and that you receive compensation for your losses.

Paying For Court

Litigation is a time-and-money severe concern. In the course of business, it’s sometimes unavoidable. That’s where commercial insurance can help. Commercial insurance can help protect you from the cost of a lawsuit. If you’re a Fort Payne, AL business owner, contact Attain Insurance to learn more!

What Does Home Insurance Cover?

Home insurance covers damages from perils such as fire, lightning, vandalism, and wind. Other dangers such as earthquakes, floods, and hurricanes are covered by a combination of your home and auto insurance. 

While everyone needs insurance, not all types of insurance are suitable for everyone. Reach out at Attain Insurance in Fort Payne, AL to learn more.

What Much to Know  

Your home is generally not covered against earthquakes, floods, or tornadoes. If you live in an area prone to natural disasters, such as the West Coast, you may want to purchase a policy covering earthquakes, flooding, and wildfires. 

If your home is worth $150,000 and you have $5 million of artwork hanging on the wall, your home insurance won’t cover a fire that burns a single painting. If you buy a new car worth $50,000 that you later sell for $20,000, your possessions will likely be worth less than they were when you bought them. 

Depending on your situation, you may want to invest in additional coverage to protect your home from significant financial losses. This can be critical if you own a business or have large investments. While your home is likely to be your largest asset, you can protect it with various insurance options. 

Home insurance may also cover lost wages if your home is uninhabitable during a covered event and may insure certain events that are not covered by other types of insurance, such as earthquakes. 

The insurance can also cater to structural components of your home, including the main structure, foundations, floors, ceilings, and walls. It can include home contents such as furnishings, electronics, and other valuable items that would be difficult to replace if damaged or stolen. 

Key Takeaways 

A home is a large investment, so it is vital to have a home insurance policy that will cover the costs of repairing or replacing your home in the case of a covered loss. For consultations in Fort Payne, AL, contact Attain Insurance.

Common Auto Insurance Exclusions

Your auto insurance from Attain Insurance covers damage to your vehicle and liabilities when accused of bodily injury and property damage. However, you need to understand that your auto insurance doesn’t cover all risks under the sun. Knowing your auto insurance exclusions simplifies the claim process and helps you purchase “add-ons” to boost your auto insurance policy.

Here are the common auto insurance exclusions you need to know:

Business use

Do you use your vehicle to run business errands? Your claim is likely to be ignored if your car is involved in an accident while doing business-related operations. The only way you can mitigate this risk is by upgrading your standard auto insurance to commercial.

Personal items

Has your laptop been stolen from your car? Has your phone sustained damage during a car accident? Your typical auto insurance doesn’t cover loss or damage to your personal belongings. For such losses, you have to rely on your home or renters insurance. Plus, you can consider a personal items “add-on” in your car insurance to cover such risks.

Custom parts and equipment

Usually, typical auto insurance covers parts that are standard in your vehicle. For instance, if you have a built-in radio or GPS system, your insurance may repair or replace the item when calamities strike. However, custom equipment isn’t covered by your auto insurance. These include items like a detachable sound system, engine tune-ups, and custom-designed seats.

Racing events

Typical car insurance won’t cover damage and injuries sustained in racing and stunting events. However, you can purchase a “rider” to cover perils associated with these car events.

Driving outside the US

Your typical car insurance ceases to operate when you leave the US borders. For instance, if you have an accident with your car in Mexico, your standard auto insurance won’t cover the damage. As such, it’s wise to talk to your insurer when you want to drive outside the country.

Car insurance in Fort Payne, AL 

Looking for an affordable car insurance policy? Please get in touch with Attain Insurance, serving Fort Payne, AL and the surrounding regions.

4 Facts You Should Know About RV Insurance

If you are like one of the 11 million households in the US, your most cherished moments are when using your RV. You can tour every location of our beautiful country without the hassle of booking accommodation. But as you enjoy your RV, never leave home without RV insurance. RV insurance protects you, your loved ones, and the vehicle when the unexpected occurs.

Regrettably, understanding RV insurance can be challenging because it exhibits the characteristics of both a home and a vehicle. However, you don’t have to figure out RV insurance independently. Attain Insurance of Fort Payne, AL is here to guide you on RV insurance basics. Here are four facts you should know about home insurance.

It’s mandatory

Unless you are in New Hampshire or Virginia, all other states require you to purchase RV insurance, just as expected with your vehicle. However, it depends on the type of recreational vehicle. For instance, if you have a motorized RV like a motorhome, you must invest in RV insurance. However, towable RVs aren’t required to have RV insurance since the vehicle’s insurance covers them. But whether RV insurance is required or not, you can’t afford to do without it.

There are several RV insurance options.

When shopping for RV insurance, don’t expect one broad coverage to cover your risks. RV insurance is divided into several options — so you only buy coverage options that suit your needs.

RV insurance can cover full-timers.

RV insurance can be designed to cover you if you spend most of the time in your RV, just like home insurance does.

Consider RV insurance all year through

Are you using your RV part-time? The next thing you might think about is to cancel your policy when your RV is parked. However, this is a mistake since risks don’t have an off-season. Instead, consider RV insurance all year through for optimal coverage.

Do you need to invest in RV insurance in Fort Payne, AL? Please get in touch with Attain Insurance for affordable coverage.