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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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DOES HOME INSURANCE COVER PETS?

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!

Why do you always need insurance on your Alabama home

The biggest asset and investment that most people will ever own is their home. When you do own your own property it is very important that you have it properly covered by insurance. One of the best ways to do this today is through a full home insurance policy. While it is not always necessarily required for you to have home insurance, there are several reasons why you need to make sure that you always have insurance on your Fort Payne, AL area home.

Asset Protection

The main reason that people need home insurance is that it will provide them with asset protection. When you own a property, you will be making a major financial commitment. Having home insurance will help to protect this commitment and investment.

Liability Concerns

When you own a property you are also taking on liability risk. If someone is injured while in your home, you could be found liable. The liability insurance component of your home insurance policy will provide you with the coverage that you need against these risks. 

Peace of Mind

Ultimately, having home insurance will give you peace of mind. While you can be as diligent as possible, there are always risks that are outside of your control. When you have a full home insurance policy in place, you will have peace of mind that you will be covered if something goes wrong. This could give you personal comfort and help you to sleep at night.

When you are shopping for insurance for your Fort Payne, AL area home, you should reach out to the team at Attain Insurance. The professionals at Attain Insurance are fully aware of the home insurance needs of homeowners. They will help you get into a great policy.

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.

 

 

 

 

 

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.  

Three Common Home Insurance Claims

Having home insurance in Fort Payne, AL is something that most people understand they need. After all, for most people, your home is the largest investment you will ever make. While you hope you will never have to file a claim, having the peace of mind that you can is quite beneficial. 

The fact is, a standard homeowner’s insurance policy can help protect the structure of the home, as well as everything inside from a number of man-caused and natural issues. Learn more about the most common home insurance claims seen at Attain Insurance here. 

Water Damage

During the winter, freezing temperatures can result in burst or leaking pipes if they are not properly insulated. The good news is, that this type of water damage, as well as damage caused by ice storms and rainwater, is usually covered by a typical home insurance policy. 

The best way to avoid water damage in your home is to take preventative steps. Make sure there are no leaks and keep all your exposed pipes insulated when it is cold out. 

Theft

There is not anything quite as rattling as returning home at the end of a day to discover someone has broken into your home. If you have been a victim of theft, then you have recourse thanks to your homeowner’s insurance policy. 

To make sure you can get what your property is worth, be sure to document your possessions. This will make the claim process for this much easier. 

Fire

Even though a fire is not the most common type of claim, it is one that can be the most expensive. Regardless of the type of fire, you can get help from your homeowner’s insurance policy if this type of disaster strikes. 

If you need more information about your homeowner’s insurance policy or what it covers, contact the staff at Attain Insurance serving the Fort Payne, AL area today. 

 

Homeowner’s Insurance in Fort Payne, AL and Claim Impacts

Going through a fire, home invasion or windstorm can be very traumatic. The last thing you need to worry about if something happens is what your homeowners and renters insurance covers in Fort Payne, AL. Find out now so that you can be prepared.

All policies vary, but most include fire, windstorm, and theft. In addition to basic coverage, your insurance should also contain coverage for property damage, personal liability, living expenses and medical payments. Home insurance policies are geared toward single-family homes but there are versions modified for renters and condo insurance.

Property Damage

Property damage covers your home and personal property. For properties with outbuilding such as tool sheds or detached garages, the contents there are also covered. Check with your Attain Insurance representative to find out more about your existing policy and to understand your options.

Personal property refers to items you own lost in the covered event. The belongings of family members living with you are also covered.

Replacement Cost or Actual Cash Value?

Replacement cost is the amount of money to replace lost items before depreciation. Actual cash value is the amount of money to replace lost items after depreciation. Most standard home insurance policies are written on an actual cash value basis.

Additional Living Expenses

Most home insurance policies in Ft Payne, AL cover additional living expenses if you are denied access to your home by the government or other authorities. This might include limited motel and restaurant costs. It also covers storage.

Personal Liability

If a guest in your home is harmed by the condition of the property, they can sue you for negligence. Personal liability covers you against a lawsuit for bodily injury or property damage.

Medical Payments

This covers medical costs for anyone harmed by the condition of the property, by someone living there or by a pet. Medical payments on a home insurance policy don’t apply to injuries sustained by people living in the home. Contact Attain Insurance to see if your coverage is sufficient.

 

Your Home Spring Clean Up List

It’s been a rough winter. Your Fort Payne, AL home probably is a little worse for wear after blizzards, ice storms and freezing temperatures battered your property.  Spring cleaning isn’t just for airing out your living room, but to allow you a chance to repairs the ravages of Mother Nature while protecting the value of your home and reducing your liability. Over at Attain Insurance we’ve compiled a quick Spring clean up list to help you tackle these annual chores.Fort Payne, AL home probably is a little worse for wear after blizzards, ice storms and freezing temperatures battered your property.  Spring cleaning isn’t just for airing out your living room, but to allow you a chance to repairs the ravages of Mother Nature while protecting the value of your home and reducing your liability. Over at Attain Insurance, we’ve compiled a quick Spring clean up list to help you tackle these annual chores.

  • Check Your Siding: With a bucket of nails and a ladder, secure loose shakes, clapboards, and vinyl siding. It’ll give you the chance to ensure that water and wind haven’t created deeper damage beneath the outer layer.  A quick layer of paint can extend the longevity of wood while increasing the sidewalk appeal of your home.
  • Review the Status of the Roof: During high winds all sorts of heavy objects can bounce off your roof, pulling shingles loose and opening up pathways for water to cause damage when the Spring rains arrive. It’s a good time to decide if you need a new layer of shingles.
  • Repair and Replace Broken Windows: Cracked panes of glass not only fail to keep your air conditioning working right, but they invite passing criminals to attempt to break into your home. Fixing your storm windows upgrades the exterior while helping maintain a low crime rate in your neighborhood.
  • Fix Up the Fence: The privacy or picket fence that was damaged by a falling branch needs attention. Once again, a well-maintained home looks like a less appealing target to a burglar.  Also, your maintained fence ensures dogs and kids stay in your yard, instead of wreaking havoc next door.

For more tips on how to protect the value of your Fort Payne, AL home, give your friendly agent at Attain Insurance a call or visit.

How Does Home Insurance Work?

For those that are wondering about home insurance, it is always best to get your facts when you start looking for home insurance. The agents with Attain Insurance are experienced in a wide range of insurance coverage and can help those in the Fort Payne, AL area find the right coverage.

Home insurance works far more simply than you might imagine. For starters, home insurance is in place to help you pay to rebuild and recover if your home is ever destroyed or irreparably damaged. The first step about home insurance is to talk with an agent about what type of insurance you might need. Consider things like specialty policies like flood or hurricane insurance. After you talk with your agent you will be set up with an adjuster or appraiser.

The appraiser comes to your home to document and evaluate the home. He or she will then take notes and determine how much it would cost to rebuild the home as it sits in the current market. They will also look for obvious hazards. During their inspection, they will ask you about any upgrades or repairs you have done as well. After your coverage is in place you will wait for something to happen.

If you go the entire length of your policy without anything happening, that is wonderful, for most people, however, there will be some sort of a claim. If you do have to place a claim, take the time to contact your agent, to take pictures of damage or issues, and to make an appointment for the adjuster to come and document the exact damage. The adjuster is there to document and report back to the insurance agent so that you can get your proper pay out. For those in the Fort Payne, AL area, the agents at Attain Insurance can help you find the policy you need.  

Benefits of a Home Emergency Kit

Have you ever thought of having an emergency kit in your Fort Payne, AL? If it is not already on your list, you should consider getting one and keeping it stocked and ready should anything happen. Before you write this off as something you do not need, read about these benefits from Attain Insurance of having a home emergency kit.

  • You will have enough water and food to last you for days. The last thing you want is to find yourself without access to food and water for a few days. When you properly prepare for an emergency with a fully stocked emergency kit, this is not something you will have to worry about. 
  • You will be able to use your devices. One of the things that you will likely miss is your cell phone. You may even need it to reach someone in case of the emergency. When you have an emergency kit, you should have a way to use these.
  • You will be prepared for minor injuries. Another benefit is having the ability to deal with minor injuries before they can get worse. Keeping a fully stocked first aid kit is part of your emergency kit and it will help you if there are minor injuries. 
  • You will be able to see in the dark. Even if you lose power, you will have things you can use to light up the dark at night.

Another great way to protect your home in case of an emergency and beyond is by having a great home insurance policy. If you would like more information about home insurance policies, want to make sure yours does not have any gaps in it, or simply want a free quote for a new policy, be sure to contact Attain Insurance, serving Fort Payne, AL. 

Serious Home Damage Caused By Heavy Snowfall

Residents of Fort Payne, AL may not see a lot of heavy snowfall, but when it does come, it can throw them for a bit of a loop. The worst snowstorms in the state often create dangerous damage to a home. We at Attain Insurance have seen the following types of damage seriously impact our client’s home during a heavy snowfall.

Damage To Windows And Doors

Snowfall is often accompanied by ice buildup, and this buildup can easily collect on windows and door. As the temperature continues to drop, this will cause an expansion in the ice that can seriously damage windows and doors. One common problem is when ice hits windows that are heavily warmed from the inside: cracks and other damage can occur due to the temperature change.

Snow Can Collect On Roofs

During heavy snowfalls, snow will collect on a roof and put excessive weight on its surface. This weight will start to cause a strain on the roof that may cause it to buckle under the pressure. Collapsing roofs are possible in very heavy snowstorms, but are typically only a problem when the roof has been damaged by years of heavy snowfall.

Falling Trees And Power Lines

As snow collects on power lines and trees, they begin to strain under the pressure. Eventually they are likely to collapse, depending on the severity of the storm. A collapsing tree could fall on your home or even your car and cause serious damage. Falling power lines will not only take out your home’s power, but could cause a fire that could ravage your home quickly.

Protecting your home against this type of damage requires purchasing high-quality insurance from a company like us. At Attain Insurance, we can help you identify good insurance coverage and help find you a policy that works for your needs.