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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. 

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.

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.

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.

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.

RV insurance blunders

You’ve gotten an RV! How cool is that? It’s a vehicle, it’s a home, it’s fun and travels all wrapped into one. It could be

How RV insurance is different than auto insurance and how to look at the best approaches to buy.  

First, you need to determine what kind of RV you have.  Some come with engines, and some do not. There are many kinds including:

  • Class A
  • Class B
  • Van campers
  • Class C
  • Pop-Ups
  • Park Models
  • Travel Trailers
  • Fifth Wheels
  • Horse/Livestock
  • Fish Houses
  • Toy Haulers
  • Truck Camper

RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage.  With all the additions to RVs, it’s less about being the woods with a rudimentary unit, currently, glamping is all the rage and some RVs are as fancy as top of the line 5 star hotels. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes

Depending on the insurance company you choose, your additional coverage options may include:

  • Total loss replacement coverage
  • Campsite and vacation coverage
  • Emergency expenses
  • Towing and roadside assistance
  • Full-timer coverage if your RV is your full-time residence  
  • Uninsured and underinsured motorists coverage

It seems there are so many factors, that you can get dizzy thinking up all the possibilities and scenarios. However, after determining how you will use your RV and what kinds of things are part of your RV lifestyle your insurance agent can breeze through the possibilities that are unique to you.

Attain Insurance serving Fort Payne, AL specializes in taking care of your RV insurance needs. They help you create the comfort and affordability and safety so you can have fun and not worry.

 

What is Included in Flood Insurance Coverage?

Alabama is an excellent state to live in, but the hurricane and other types of storms could cause significant flood damages in the cities this state including Fort Payne, AL. Just a few inches of water and residents plus business owners are already losing everything. Unfortunately, such incidences are hard to predict, and the only thing left to do is to stay prepared by getting a flood insurance coverage. It is the wisest plan you can take to protect yourself, your family and your assets. Attain Insurance works to ensuring that everyone is safe by providing comprehensive policies to see that their clients are adequately protected.

Your standard home insurance does not include flood

First, you need to understand that having standard home insurance does not mean that you should relax as it does not include everything. You need to have that additional policy if you want to be protected against water damages.

Damages caused by the flood are much expensive compared to other disasters. Water damages can take you back to zero where you had nothing after everything has been swept away. It is hard to recover from such losses if you do not have a backup plan such as having insurance coverage.

What is protected by flood insurance?

This policy is tailored to protect you from any direct physical damage by the flood to your home or any other personal property. You can decide to buy both policies to protect your home and the other one to protect your personal property. Other things included under the federal flood insurance program are;

  • The plumbing system
  • Electrical system
  • The HVAC equipment
  • Kitchen appliances
  • Permanently installed carpets
  • Permanently set up cabinets, wardrobes, and bookcases
  • Window blinds
  • Garages and other structures detached from your building

You may feel that your home is located in a safe area, but the truth is there is nothing like safe ground. This disaster can happen to anyone. If you wish to learn more or purchase flood insurance in Fort Payne, AL, contact Attain Insurance, and we will show you the right way to getting the most favorable policy for you.

Why There is No Standard Commercial Insurance Coverage

When it comes to purchasing commercial insurance for your business, there is not a one-size-fits-all policy that you can purchase. This process can become very confusing if you have never done it before which is why you need to have someone on your side helping your navigate. Attain Insurance, serving Fort Payne, AL, can help you through the process. 

Why Is There No Standard Policy?

No business is like another which is why it makes sense that there is no commercial policy that can be used to fit the needs of all types of businesses in the market. There are different needs that your business may have that the business right down the road may not have. A commercial insurance policy is designed for each individual company so that it can fit those needs. Different policies tend to have different policy clauses to help tailor that policy to the business in question. If you are ever offered a commercial insurance policy that is standard, then you should take a detailed look at the policy to make sure that it will meet your needs in every sense. In most cases, this will not be true. Instead, while it can take some time to develop the right policy, it is always best to have one developed for your specific business, the work that you do, and the way that you run your business so everything is covered no matter what happens in your day to day operations. 

If you would like help determining what you need in your commercial insurance policy, be sure to reach out to Attain Insurance, serving Fort Payne, AL, today. They can help you find the right policy to fit your needs as well as help you find one that fits within your budget. 

 

Are There Discounts for Commercial Insurance?

When it comes to investing in commercial insurance. There are many benefits to be gained. From adding proper protection to your business to having peace of mind in knowing all your bases are covered, this type of insurance can be paramount to the overall success of your company. Even if you own a home-based business, commercial insurance may be of the utmost value. To assess whether you need this type of insurance, it is highly suggested that you speak with a qualified insurance agent. For now, let’s take a quick look at two discounts you may be able to take advantage of in regards to your commercial insurance. 

Combining multiple policies

There is a good chance that you already have other types of insurance policies. From auto insurance to life insurance, when you combine these policies with your commercial insurance policy, this can save you a considerable amount of money. All you need to do is ask your current insurance agency if they offer commercial insurance, and if so, whether or not a discount can be taken advantage of if you combine all of your policies. 

Put in an alarm system

Another way to take advantage of a discount on your commercial insurance policy is to install an alarm system on your commercial property. Insurance companies want to know that they will have as much information and data as possible if a claim is made, and with an alarm system, this helps provide them with the information they need. 

If you would like to learn more about commercial insurance discounts, please contact Attain Insurance serving the Fort Payne, AL area.