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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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Does Flood Insurance Cover Owner Caused Floods?

Don’t Wait Until The Water is Rising To Call Us

We don’t like to think about when we will need to use insurance. Insurance is just for the just in case. Most of us think that our homeowner’s policy will carry us through most home calamities. The fact is that it does not. Standard home insurance does not cover flooding at all. In fact, it may help toward some rain damage – but when it comes to an actual flood and the damage that occurs,  a standard home insurance policy will not suffice. 

Does Flood Insurance Cover Owner Cause Floods?

Flood Insurance does not cover floods caused by homeowners or other residents of the home or guests of the home. Flood insurance covers floods that are caused by extreme weather events and conditions.  Unfortunately, the damage is the same. Home insurance may cover some damages caused by individuals. It is important to discuss the points of coverage with an experienced agent today. Chances are if you have a potential flood starter in your home i.e a young child you can find out if a special rider can be attached to your policy.   

Is It Easy To Attain Insurance?

The short answer – yes. Here it is easy. At Attain Insurance our name says it all. Educate yourself about what your individual needs are as a homeowner and then, by all means, attain insurance. In addition to flood insurance, the experts at Attain Insurance also specialize in Classic Car, Home, Life, Commercial, RV, and Other Insurance products. So Fort Payne, AL 35967 where a knowledgeable agent can assist you. You can give us a call today and we can discuss how flood insurance can lead to more comprehensive protection for you and your family. 

Showing Your Cars Off at a Show? Protect Them With Insurance

As a classic car collector in Fort Payne, AL, you love taking your beautiful cherry autos to car shows. However, you don’t have specialized classic car insurance through Attain Insurance, which is a problem that will seriously impact your life if your vehicle is damaged at a show.

Your Policy Will Pay for Auto Show Damage

During an auto show, you aren’t going to be near your vehicle at all times. You’re likely going to be exploring the floor, checking out other vehicles, and having a great time interacting with other car owners. Unfortunately, your vehicle may be damaged during this period by vandals or well-meaning viewers.

When this happens, your classic car insurance will pay for the damage under the clause known as “No Attendance Required.” This clause states that the vehicle doesn’t have to be under your control or care for your policy to protect it from damage. Make sure that your policy includes this clause to avoid serious heartache.

Medical Injuries are Also Covered

While your car is likely to stay parked during an auto show, there are times when it will be in motion. For example, there may be a moving display event outdoors or even inside that showcases your beautiful car in action. Unfortunately, these events may cause injuries in unsafe spectators.

Thankfully, your classic car insurance will pay for any injuries that your car causes in this situation. This coverage is known as “Auto Show Medical Reimbursement” and is a lot like the medical payments offered in general auto liability or homeowner’s insurance coverage.

Protect Your Car and Yourself

So if you plan on attending car shows near Fort Payne, AL or the surrounding areas, please contact us at Attain Insurance to find a classic car insurance policy that meets your needs. You’ll be glad that you took the time to make this decision.

How to Include Life Insurance in Your Retirement Planning

As Fort Payne, AL citizens consider retirement, it’s important they factor life insurance into their retirement plans. At Attain Insurance, we want you to have a life insurance policy that benefits and adds to your retirement. Here is what you need to know about how to consider including life insurance in your retirement plans.

Use Your Policy to Build Cash Value

A permanent life insurance policy will build cash value. That feature online offers you a number of possible avenues to use that cash value towards your retirement and retirement planning. As the cash value grows, it can become a tax-free source of retirement income.

You can also borrow from your policy’s cash value. You can even use the cash value to pay your insurance premiums. You will have to plan how your cash value will grow then look into more of what you can do with it.

In general, your policy’s cash value will give you a highly flexible source of income that you can use to seed every part of your retirement plan. If you choose a life insurance policy that doesn’t accrue cash value, you can still use to help with your retirement planning in other ways.

Use Your Policy as an Investment

Various types of life insurance plans exist. Some plans can help you specifically with retirement by offering an investment aspect with the life insurance benefits. You should consider a policy that supports the financial planning of your retirement.

Right along with your other retirement investments, your life insurance policy can serve as another way to get the most out of your retirement. For example, a term life insurance policy can cover expenses should you pass away. However, the money you save with a term policy can go towards other investments.

A life insurance policy can work with any retirement plan in Fort Payne, AL, but you must first speak with a knowledgeable agent about your options. To learn more about using life insurance with your retirement planning, contact Attain Insurance today.

Why Is Home Insurance Needed?

Many people look at home insurance as “just another” expense that they have to endure. However, there is a good reason to have home insurance in Fort Payne AL. With the help of Attain Insurance, you can even ensure that you have the coverage needed to protect you against virtually anything that could happen.

First of all, home insurance is required by your mortgage company. If you don’t own your home outright, you will have to have an insurance policy. It’s the mortgage company’s way of protecting their investment.

Second, you want to know that your home is protected. If your home gets broken into or there is a house fire, you want to file a claim with the insurance company knowing that you are taken care of. Otherwise, you would have to be financially responsible for repairs or replacements on your own.

A home insurance policy will provide you with coverage on your home’s structure, the belongings inside of it, liability protection, and more. Plus, you’re covered against damages from fires, lightning strikes, storms, break-ins, and various other catastrophic events.

It’s also possible to build a policy to provide you with more protection than a standard policy provides. For example, you can add riders for flood damage, hurricanes, and other natural disasters. You can also protect your detached garages, add liability protection if someone gets hurt on your property, and for various other scenarios. With greater protection, you reduce the risk of having an insurance company deny your claim when something has happened.

Since you never know what could happen, the best thing to do is have a home insurance policy in place.

When you’re in Fort Payne, AL, it’s easy to protect your home. At Attain Insurance, one of our independent insurance agents can talk to you about home insurance and help you with your policy.

 

 

 

 

 

Types of Commercial Insurance

Commercial insurance protects your business against a wide variety of risks and the coverage needs can differ among businesses. Your commercial insurance needs are unique, just as your business is unique from other players in the market. A standard commercial insurance policy is definitely a good place to start, but it may not be able to adequately meet the needs of your business. You may need additional or specialized insurance for your business.

Getting Commercial Insurance

There are several factors to consider when getting commercial insurance for your business. One of them is the type of commercial insurance you need. As you probably already know, there are many types of commercial insurance. Talk to licensed agents to Attain Insurance in Fort Payne, AL for guidance on what type of commercial insurance makes sense for your business. Here are the most common types of commercial insurance:

  • Workers’ Compensation Insurance. This coverage protects your employees from losing their income after sustaining injuries or developing illness on the job. Workers comp is mandatory cover in Alabama.
  • Liability Insurance. If the activities of your business cause an injury for a third party and lead to a lawsuit, liability coverage covers the loss. This coverage also applies to lawsuits arising from damaging third party property.
  • Property Insurance. Property insurance covers losses or damages relating to real estate or personal property. For instance, this policy would cover the damage in the event of a fire in your business offices.

There are many other additional coverages to consider, but these are just the basic coverages included in a standard commercial insurance policy. Coverages such as commercial auto insurance, errors, and omissions, etc. are also essential. If your business is based in Fort Payne, AL, you will find all the types of commercial insurance you need to Attain Insurance. Give us a call if you need more information about commercial insurance in the area.

Teen Drivers and Auto Insurance: The Basics

When a teen gets close to getting their license, parents and teens usually have different feelings.  While the teen is excited at the prospect of new freedom, the parents will have some concerns about making sure that their youth is safe while they are on the road.  The team at Attain Insurance understands the situation and can help everyone with their new responsibilities.  Their agents, working with Fort Payne, AL area families, have found that involving teens in the car insurance process helps them to understand the importance of good driving habits and the benefits to maintaining a clean driving record.  As they gain more experience, they will be able to see that their rate actually gets lower over time. 

When shopping for insurance, teens and their parents need to talk with their agent.  In many cases, it will be cheaper for the teen to be added to the parent’s existing policy.  Also ask if the insurance company offer discounts for students who maintain good grades or take a driver’s education class.  If the teen is a college student, there may additional discounts related to their enrollment, grades or how often they drive.  Lastly, carefully consider which vehicle the teen will be driving.  As the teen will most likely be the most expensive to insure, the vehicle they drive should be the least valuable to mediate the costs. 

Before a teen begins to drive, there are many questions that will need to be addressed.  Families are not only concerned about safety, they are aware of the increased costs of insuring a teen driver.  The agents at Attain Insurance are ready to answer the many questions during this time.  They work hard for the people in the Fort Payne, AL area to ensure that they have lowest rates for the best coverage. 

Who Needs Life Insurance?

Not everyone needs life insurance in Fort Payne, AL.  Typically,  you would only need life insurance if someone is relying on your income, whether it’s a spouse or other dependents. Life insurance was designed to help replace your value when you are gone, which is why if you are single and don’t have anyone that would rely on your income, you may not need it.

While single people with no dependents may not need life insurance, there are some benefits to having it. When you die, even a simple funeral could be costly and, without life insurance, relatives will have to pay for this. A small policy from Attain Insurance can be used to cover these expenses.  If you have joint assets with someone, such as being a joint debtor with a brother on the mortgage, then life insurance can help make sure that the person isn’t responsible for the whole debt if you are gone. If you get life insurance now while you are single and younger, it will be easier to obtain a policy, instead of waiting until you are older and your health declines. You may not be single forever and it’s easier to get life insurance while you are younger.

Breadwinners, stay-at-home parents, divorced parents, parents of special needs children, homeowners that still have a mortgage, and business owners are all examples of people that should have life insurance. Life insurance can help make sure that children will be taken care of. Even stay-at-home parents provide value and if they pass, life insurance can pay for the cost of childcare and other services they do on a daily basis. Even those without a lot of wealth can use life insurance to provide a small inheritance to family members.

There can be a number of benefits for life insurance, no matter what your situation is, so speak with an agent at Attain Insurance serving Fort Payne, AL to find the best policy for you.

What Can Be Bundled with Home Insurance?

Paying your insurance premiums each month can be difficult and can often take time and a great deal of extra effort to keep all your policies straight. That being said, it can also cost you a great deal of money. There are some ways however that you can take the stress out of paying your premiums each month and one way is to bundle your policies. For those that live in the Fort Payne, AL area, the agents with Attain Insurance can help.

There are a large number of things that can be bundled with your home policy. Basically, any policy that is offered through your home insurance company can be bundled with any type of insurance that the same company offers. If you have a company that offers home, auto, motorcycle, commercial, life, or any other insurance, you can in most cases bundle your policies. The best way to determine if you can bundle a policy is to take the time to talk with an agent or to discuss with your insurance agency if you are able to bundle.

In many cases, you can bundle just about any policy to help cut costs, make paying your premiums easier each month, and to help ease the process of paying your insurance premiums each month. Bundling policies helps to get you a break on overall cost in most cases, which is the main draw, and can even get you other benefits. Talk with an agent about if you can bundle policies or not. For those in the Fort Payne, AL area, the agents with Attain Insurance can help you to get the perfect insurance bundle so that you can be sure you are fully insured and ready to face any issues that may arise.  

Commercial Insurance Needs for Licensed Professionals

Licensed professionals such as doctors, dentists, lawyers, accountants, and pharmacists, etc. have special insurance needs for Professional Liability Insurance. This specialized insurance coverage is sometimes referred to as Errors and Omissions Insurance. For healthcare professionals, is it also called Malpractice Insurance.

The critical need for this type of insurance arises from the fact that small mistakes can ultimately lead to huge lawsuits. Pretty much everyone makes mistakes. For some professionals, these mistakes can be very costly, like when a stockbroker hits the sell button on the screen instead of the intended buy button. Millions of dollars, maybe even billions of dollars over the years, have been lost in this way from such a simple mistake.

Other mistakes are more serious when they result in the permanent disability or the death of a person. This is a huge liability risk for healthcare workers.

Liability may arise for a professional even if there is no mistake or bad intent. An example of this would be a client of a hairstylist that has a serious allergic reaction to a hair care product. No one should expect a hairstylist to know about an undiscovered allergy, especially if the client did not warn them about having any allergies. Nevertheless, when such an unfortunate thing occurs the hairstylist will probably face a lawsuit. To be sure that you have adequate professional liability insurance coverage consult with your agent at Attain Insurance in Fort Payne, AL.

Special Needs for Professional Liability Insurance

For each industry sector of professionals, the liability insurance is designed for the specific needs of those professionals working in that sector. For example, architects need different items covered than doctors. An architect may need coverage for design flaws in building construction plans that cause third-parties to be harmed. A doctor may give an incorrect prescription or treatment that causes someone to become disabled or die.

Whatever your insurance needs might be, as an active professional, contact your agent at Attain Insurance, serving Fort Payne, AL and the surrounding area, for a quote.

Special Needs for Insuring a Classic Collectible Car

When you own a classic collectible car, it is best to work with your agent at Attain Insurance in Fort Payne, Al to make sure your insurance coverage is adequate. If you are just content to own the car for your own personal collection, you will still want to have sufficient insurance if the value of the collectible auto increases. Sometimes, for the rarest vintage vehicles, the value can increase dramatically.

Some examples include the steady increases in value for the Porsche 911 vehicles, especially for special editions. Many classic cars from the 1980’s and even the 1990s are rapidly appreciating in value when they are in pristine condition. Older vehicles like Aston Martins, Alfa Romeos, and Jensens are also doing well.

Some rare special editions go up in value very quickly, especially if there are only a few of them left in good condition. In 2014, a 1962 Ferrari 250 GTO sold for just over $38 million. Haggerty says that the newest cars demonstrating collectible quality include 2000 to 2006 BMW M3 vehicles, the 1976 to 1986 models of the Jeep CJ-7, and the 1989 to 2001 Mercedes Benz SL.

On the average, the value of an in-demand classic collectible car increases about 10% per year. Naturally, this means your insurance coverage should increase as well to match the higher valuation.

Any owner of a classic collectible vehicle should make a habit of having an annual insurance review by working with their agent at Attain Insurance in Fort Payne Al. And, while you are at it; it is a good idea to review all of your other insurance coverage at the same time.

Classic collectible cars are fun to own and they need to have adequate insurance protection. Contact your agent today to get an insurance review in order to make sure the coverage is adequate based on the present-day value.