HOW CAN WE HELP YOU?

Call IconClick to Call
Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

Mobile Map IconGet Directions

Insurance

Winter Storage Mistakes That Cost Fort Payne RV Owners Big

Posted on by agentinsure

You shut the door, pulled the cover tight, and walked away. But winter doesn’t care how neatly you parked it. One overlooked valve, one missed step in prep, and suddenly, your quiet offseason turns into a five-figure headache.

In Fort Payne, AL, RV owners often learn this the hard way. Attain Insurance has seen it all: cracked water lines, storm-crushed roofs, and break-ins at unsecured lots. Nearly every time, the damage was preventable.

Cancelling Insurance? The Fastest Way to Lose Everything

Let’s start with the big one. You think the RV’s off the road, so you drop the policy to save a few bucks. Bad call. Theft, fire, collapse, storm damage—none of that takes a break just because your wheels aren’t moving.

Without insurance, every hit lands squarely on your wallet. And if you’ve got a loan on the RV, cancelling coverage can trigger a default, even if it never leaves the driveway.

Attain Insurance helps Fort Payne, AL RV owners maintain protection that holds through the cold months, not just during travel.

Water in the Lines? Say Goodbye to Spring Plans

You forgot to drain the pipes, maybe thought it wouldn’t freeze, or didn’t have time. Now the temperatures drop, the water expands, and your plumbing system shatters from the inside out.

One broken fitting, one pressure spike, and suddenly you’re dealing with flooded floors, mold, and warped cabinets. And guess what? If your insurer thinks it’s neglect, that claim could be denied.

RV insurance won’t cover what you didn’t try to prevent. Winter prep isn’t just a checklist; it’s a shield.

Parking Doesn’t Equal Protection

Your RV is a beacon. Thieves know it’s unattended. They see storage lots without cameras, notice long gaps between visits, and go to work.

Without the right coverage, your stolen gear becomes your loss. Every TV, solar panel, and battery bank ripped out, and your policy says no.

Winter isn’t your RV’s quiet season, it’s the danger zone. Call Attain Insurance in Fort Payne, AL before a small oversight turns into a total loss. Your RV insurance should work even when your RV doesn’t.

Does Flood Insurance Cover Mold Removal?

Posted on by agentinsure

Floods have devastated towns near Fort Payne, AL, leaving behind a trail of destruction. Homes are often submerged in water, forcing homeowners to sift through soaked belongings and salvage what they can. Even after the water recedes, mold can spread throughout the home, making it uninhabitable. While some insurance policies may offer assistance, coverage often depends on specific circumstances.

Understanding Standard Policies

Many standard homeowners’ insurance policies exclude mold removal, considering it the homeowner’s responsibility. However, some companies may provide coverage in certain situations. For example, if safety concerns or restrictions from authorities prevent you from removing water promptly, your insurance company might cover mold remediation costs.

Common Exclusions to Coverage

Private insurance companies may offer mold removal coverage, but exclusions are common. These exclusions often apply to standard insurance providers as well. Insurers typically assess whether water was removed promptly after a flood. Mold removal may only be covered if safety concerns or official restrictions prevented you from entering your home to address the water damage.

If you delay cleanup for several weeks and cannot prove that authorities restricted access to your home or that it was unsafe, your claim may be denied due to a lack of preventative maintenance. An agent at Attain Insurance can provide further clarification on these policies.

Previous Issues That Impact Claims

Claims are often denied if a homeowner had pre-existing issues that contributed to mold growth. For instance, a leaky pipe or roof may have already caused mold to develop before the flood. In such cases, the flood may have accelerated mold growth, but the insurer may not consider all the mold damage to be directly caused by the flood.

Understanding what your policy covers can be challenging. The experienced agents at Attain Insurance are here to help. Contact us today to learn more. We proudly serve the Fort Payne, AL, area.

Does Classic Car Insurance Cover Spare Parts and Restoration Projects?

Posted on by agentinsure

If you own a classic car, you know it’s more than just a vehicle—it’s a labor of love. Whether you’re restoring a vintage beauty piece by piece or keeping a prized show car in pristine condition, maintaining a classic car requires dedication. At Attain Insurance in Fort Payne, AL, we often get asked: does classic car insurance cover spare parts and ongoing restoration projects? It’s an important question that deserves a closer look.

Coverage for Spare Parts

Classic car owners often collect rare and hard-to-find parts over time, such as original carburetors, chrome bumpers, or unique emblems. The good news is that many classic car insurance policies offer coverage for spare parts, even if they’re not currently installed on the vehicle. However, this coverage typically comes with a limit, so it’s essential to review your policy and consider increasing the coverage if needed.

What About Restoration Projects?

If your classic car is a work in progress, insurance coverage can become more complex. Some insurers only provide coverage once the vehicle is drivable, while others offer protection during each phase of the restoration process. This may include coverage for theft, fire, or other damages that could occur while the car is in storage or at a shop. To ensure proper coverage, it’s important to inform your insurer about the car’s current condition and your restoration plans.

Comprehensive Protection for Your Investment

Classic cars represent an investment of time, money, and passion. Don’t let gaps in coverage leave you vulnerable. If you’re unsure whether your current policy protects your spare parts or restoration efforts, contact Attain Insurance in Fort Payne, AL. We’ll help you build a policy that honors the full value of your classic ride and provides peace of mind.

Life Insurance: Coverage for Possessions You Plan on Passing Down

Posted on by agentinsure

Have you ever considered what will happen to your possessions if you were to pass away unexpectedly? If you don’t have a life insurance policy, now is the time to consider acquiring one. A life insurance policy can provide essential guidance on who will inherit your belongings, ensuring your loved ones are taken care of.

Take an Inventory

Start by taking an inventory of the valuable items you own. These could include possessions with high monetary value or significant sentimental value. Create a detailed list that highlights each item and the person you wish to inherit it from. If you know the monetary value of an item, include that information in your list as well.

Seek an Appraisal of Items

If you’re unsure how much life insurance coverage you need, it may be because you don’t know the value of your possessions. Consider seeking a professional appraisal for items whose value is unclear. This will help you determine the appropriate amount of coverage to include in your policy.

Keep Track of New Investments

If you plan to make future investments, some of these items may need to be added to your life insurance policy. Make it a habit to review your policy regularly, especially when making a significant purchase. This ensures that nothing is overlooked and that your loved ones will inherit everything you intend for them to receive.

Acquire Information About Life Insurance

Are you ready to learn more about life insurance and the types of policies that could benefit you? Reach out to our Attain Insurance office. Schedule an appointment to consult with an insurance agent serving Fort Payne, AL. During your consultation, you can explore your options and select the life insurance coverage that best suits your needs.

The Office of Risk and Resilience

Posted on by agentinsure

If you’re an Alabama business owner, protecting your business assets with commercial insurance is essential. Many business owners have questions about their insurance options. If your business is near Fort Payne, AL, our team at Attain Insurance is here to help you explore solutions tailored to your needs. Since 2011, we’ve been assisting businesses like yours with professional guidance and support.

The Office of Risk and Resilience

The State of Alabama has several agencies that oversee the insurance industry, including the Office of Risk and Resilience. According to the Alabama Department of Insurance, this organization was established in 2023 to address issues of risk and resilience that impact the stability of the state’s insurance industry. Its mission includes studying ways to enhance preparedness and response to disasters affecting homes and businesses.

Alabama’s former Insurance Commissioner, Jim Ridling, was the state official who first proposed the creation of this office. According to the Alabama Department of Insurance, Mr. Ridling believed Alabama could minimize the impact of disasters by improving preparedness and facilitating effective responses. Some of the preparation methods include retrofitting homes and businesses with enhanced window designs to withstand severe weather.

Schedule an Appointment Today

You and your employees work hard to keep your business strong, and your commercial insurance policies can protect those investments. At Attain Insurance, we’re here to help you choose the right types of coverage for your business’s unique needs. Business owners in Fort Payne, AL trust our team for excellent client support. Call us today to schedule an appointment and let us help you find the right insurance for your needs.

What Insurance is Needed if You Live in Your RV Full-Time?

Posted on by agentinsure

About Insurance for Full-Time RV Residents

RVs have become popular with Fort Payne, AL residents, who prefer the freedom to come and go at their leisure and bring their homes along with them. Whether you reside in a state park year-round, park your RV on your property, or take it on the highways to enjoy endless adventures, having appropriate insurance is necessary. With help from our Attain Insurance team, we will ensure your RV is covered from top to bottom.

Do I Need RV Insurance in Alabama?

Whether you need RV insurance in Alabama depends on the type you have. The state requires liability insurance for motor-powered RVs. Liability insurance helps pay when an accident occurs, causing property damage and injuries.

RV insurance also covers the RV’s value, including theft, vandalism, collision, and physical damage.

If your full-time RV residence is mobile, you will want bodily injury (BI) liability, which covers injuries caused to others when driving your RV. Property damage liability (PD) covers property or vehicle damage sustained by you while you are behind the wheel of your RV.

If you have a camper van, these recreational vehicles also require coverage.

Optional insurance includes comprehensive and collision coverage for RV owners who own recreational vehicles. Even if you own an RV without a loan attached, it is recommended that you get coverage.

Recreational Vehicles That Do Not Require Insurance

Non-motorized RVs do not require separate insurance. These include towable vehicles, such as a fifth wheel, camper, or travel trailer. You are required to have auto liability insurance for the vehicle towing the trailer, but note the auto insurance does not cover the travel trailer. Ask us about coverage options to keep your travel trailer protected.

Give Us a Call

Whether you live in Fort Payne, AL or nearby, our agents at Attain Insurance have you and your RV covered.

About the increasing need for flood insurance in Alabama

Posted on by agentinsure

If you own a home in the Fort Payne, AL area or elsewhere in Alabama, you might be hearing more about the need for flood insurance in the state. At Attain Insurance, we believe you should understand why you might want to consider flood insurance in Alabama.

Homeowners Realize They Lack Coverage

Many homeowners are discovering that their standard homeowner’s insurance policies do not include coverage for flood damage. Protection against flooding must be secured under separate coverage.

Weather is Becoming More Severe

Storms are becoming more frequent and severe, particularly in the state’s southern half.

Homes are Being Built in Flood-Prone Areas

Residential and commercial developments are expanding into previously undesirable areas that are increasingly prone to flooding. This is raising the risks for homeowners and existing neighborhoods in the area.

Homeowners Seek Value

More homeowners are seeking value from their insurance, and flood insurance provides that. Flood damage can be devastating; flood insurance helps reconcile protection and value.

Plan Ahead for Coverage

You can’t simply decide to acquire flood insurance after seeing a rainy forecast. Applying for flood insurance can take some time, and there is generally a 30-day waiting period before it goes into effect. Be prepared and apply in advance.

Contact Us for Assistance

If you’re in the Fort Payne, AL area and interested in learning more about flood insurance, contact us at Attain Insurance. We can answer your questions and help you get a quote for coverage. Reach out to us today.

What Vehicles Quality for Classic Car Insurance?

Posted on by agentinsure

If you own an older vehicle in Fort Payne, AL, that you use only for special occasions or display in dedicated shows, you may be eligible for classic car insurance. These vehicles still need protection against unforeseen events. Attain Insurance can help you determine if your vehicle qualifies for the classic car designation and assist you in saving on your premiums.

Qualification Extends Beyond Just Cars

Classic car insurance isn’t limited to cars. Other vehicles can also qualify for this type of insurance. Definitions vary among insurers, but many different types of vehicles can qualify for insurance purposes. These include:

  • Antique tractors
  • Military vehicles
  • Classic trucks
  • Muscle and race cars
  • Vintage and antique cars
  • Classic motorcycles
  • Exotic cars
  • Car kits and replicas
  • Some limited-edition vehicles

There’s also a distinction between classic and antique vehicles. Classic vehicles are generally at least 20 to 25 years old, while antique vehicles are at least 45 years old. However, depending on the insurer, you’ll find different parameters and definitions.

Why Classic Car Insurance is Beneficial

The advantage of classic car insurance is that owners generally pay less to protect their vehicles, even though they may have a higher value than modern cars. These lower premiums are because classic vehicles have a lower risk of damage in an accident because they are rarely on the road. Consequently, many policies limit how many miles you can drive these vehicles. Classic car policies also include provisions for rehabilitating and storing your vehicle.

To learn more about how classic car insurance can benefit you, contact the experts at Attain Insurance, serving Fort Payne, AL. Our agents will be happy to explain your coverage options.

Learning the Differences Between Whole and Term Life Insurance in Fort Payne, AL

Posted on by agentinsure

Investing in the right life insurance policy is a crucial decision, especially as you begin to get older and consider the future you will leave for your family. For residents of Fort Payne, AL, understanding the differences between both whole and term life insurance can help you secure the right coverage for your needs and the financial goals that matter to you. At Attain Insurance, we’re here to help you better comprehend both whole and term life insurance so you can maintain your peace of mind throughout your senior years.

The Basics of Whole Life Insurance

Whole life insurance policies provide lifelong protection and coverage for individuals, with coverage accruing over the years. Key features of whole life insurance include lifetime coverage, cash value growth, and a fixed premium. A fixed premium is ideal for those who prefer consistent and predictable coverage.

Basics of Term Life Insurance

Term life insurance provides coverage for a set period. Most policies are 10, 20, or 30 years long. However, beneficiaries receive a death benefit if the policyholder passes away at any point during the policy term. Term life insurance does not offer cash value and provides only a death benefit. However, it is often more affordable and flexible than whole life insurance policies.

Securing your future should not have to feel confusing, stressful, or even impossible. Whether you’re considering term or whole life insurance for yourself, Attain Insurance can help you better understand your options and the policies that are right for you. If you’re a resident near Fort Payne, AL, and you’re in need of whole life or term life insurance, contact Attain Insurance for your free quote and consultation today.

How to Reduce Risk: A Guide To Commercial Insurance for Fort Payne Business Owners

Posted on by agentinsure

Nothing is worse than experiencing an auto accident, business shutdown, or injured employee – without adequate insurance to protect your business finances. Learn how to reduce your financial risk with a well-structured commercial insurance policy from Attain Insurance in Fort Payne, AL.

The following commercial coverages can help drastically reduce out-of-pocket expenses, downtime, and repair or replacement costs for local businesses of all sizes.

Reduce Your Business Risk with These Key Commercial Insurance Components

Vandalism and Theft Protections

Investing in a comprehensive commercial insurance policy is the best way to ensure complete protection from business perils like vandalism and theft. A comprehensive insurance policy can help businesses recover from unexpected shutdowns caused by vandals and offer reimbursement or replacement for missing inventory.

Natural Disaster Coverage

Indefinite business shutdowns caused by natural disasters can lead to thousands of dollars in out-of-pocket expenses without a well-structured commercial insurance plan. Talk to a trusted local insurance agent to learn how to safeguard your business finances from natural disasters like floods, hurricanes, tornadoes, earthquakes, and extreme heat.

Workers Compensation for Injured Employees

Fort Payne, AL businesses can lose thousands of man-hours and productivity when one or more of their employees sustains an injury on the job. Protect your bottom line with a commercial insurance policy that provides workers’ compensation coverage for injured employees.

Commercial Auto Insurance for Your Fleet

If your business operates one or more vehicles as part of its daily operations, include commercial auto insurance in your comprehensive insurance protection plan. Contact the insurance professionals at Attain Insurance in Fort Payne, AL, to learn how to invest in a well-structured commercial insurance plan that suits your unique business needs and get a quote today!