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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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Attain Insurance

Will Home Insurance Replace A Gazebo?

Posted on by agentinsure

Damage is rarely contained to a home when there’s a disaster in Fort Payne, AL. Your garage, gazebo, fence, and other structures can easily wind up destroyed. It’s always important to understand your policy to make sure you have the necessary coverage. 

Other Structures Coverage

Many home policies exclude structures that are not attached to the house, including gazebos, sheds, and detached garages. These structures are typically covered under something called other structures coverage. This type of coverage will help replace your gazebo. 

Coverage Limits

It’s important to note that there are always coverage limits. Other structures coverage will cover your garage, shed, gazebo, etc., but there are limits. If your coverage limits are $10,000, and that’s not enough to replace all of the other structures on your property, you’ll have to pay out of pocket for them. Speak with an agent at Attain Insurance to ensure you have adequate coverage. 

Notify Your Insurance Company

It’s always a good idea to contact your local agent if you add another structure to your property. If the company doesn’t know about the other structure, it may deny your claim. This is also a great way to make sure you have enough coverage in case something happens. Consider how much the total replacement cost would be before the phone call to ensure you have accurate information to give your agent. 

Agents here at Attain Insurance are always ready to help you learn more about your coverage. We’ll discuss your current coverage, and make the necessary adjustments to ensure your gazebo is covered. Contact us today to learn more about your options before disaster strikes. We’re currently serving the Fort Payne, AL area. 

Will Home Insurance Replace A Gazebo?

Posted on by agentinsure

Damage is rarely contained to a home when there’s a disaster in Fort Payne, AL. Your garage, gazebo, fence, and other structures can easily wind up destroyed. It’s always important to understand your policy to make sure you have the necessary coverage. 

Other Structures Coverage

Many home policies exclude structures that are not attached to the house, including gazebos, sheds, and detached garages. These structures are typically covered under something called other structures coverage. This type of coverage will help replace your gazebo. 

Coverage Limits

It’s important to note that there are always coverage limits. Other structures coverage will cover your garage, shed, gazebo, etc., but there are limits. If your coverage limits are $10,000, and that’s not enough to replace all of the other structures on your property, you’ll have to pay out of pocket for them. Speak with an agent at Attain Insurance to ensure you have adequate coverage. 

Notify Your Insurance Company

It’s always a good idea to contact your local agent if you add another structure to your property. If the company doesn’t know about the other structure, it may deny your claim. This is also a great way to make sure you have enough coverage in case something happens. Consider how much the total replacement cost would be before the phone call to ensure you have accurate information to give your agent. 

Agents here at Attain Insurance are always ready to help you learn more about your coverage. We’ll discuss your current coverage, and make the necessary adjustments to ensure your gazebo is covered. Contact us today to learn more about your options before disaster strikes. We’re currently serving the Fort Payne, AL area. 

What You Need to Know About Auto Insurance and Tornado Season in Fort Payne, AL

Posted on by agentinsure

Fort Payne sits right in the middle of some of the worst tornado activity in the Southeast. And just in DeKalb County, 120 tornadoes have been recorded in the last 75+ years. And our area carries the "Very High Risk" classification for tornado damage. These stats should affect how Fort Payne drivers think about auto insurance decisions.

Fort Payne and Tornado Season

During tornado season, Fort Payne, Alabama, just expects to get hit hard. The Super Outbreak in 2011 killed 35 people in our county. That’s when an E5 tore through with 200 MPH winds. Vehicles were flipped. Tossed across roads like they were toy cars.

Destruction like that isn’t going to spare what you’ve got parked in your driveway. A car sitting in a lot or alongside a street can take a direct hit when a tree falls or from airborne debris. It happens fast. And it happens here all the time.

Liability Auto Insurance Doesn’t Cover You if Your Car Takes a Hit

Alabama requires that all drivers have minimum liability coverage. Liability pays the other driver if you or your vehicle damages them or theirs. But it does nothing for you if your car is damaged or destroyed.

So if a tornado drops a tree on top of your car or sends some debris through your windshield, your liability-only policy isn’t going to respond. If you’ve got gaps in your coverage, an agent at Attain Insurance can help you figure out your next steps.

Why It May Be Worth It to Have Comprehensive Auto Insurance

Comprehensive auto insurance is a policy that kicks in if a tornado finds your vehicle. It covers things like this:

  • Hail
  • Flooding
  • Wind
  • Flying debris
  • Total loss if a tree falls on your vehicle

If you don’t have comprehensive coverage, you’re going to be paying for repairs or replacement out of pocket. Spring storms in Fort Payne, AL, are a fact of life here. Gambling without comprehensive insurance is a bet most people are going to eventually lose.

Being Prepared Before Storm Season

One of the best decisions you can make is having comprehensive auto insurance before storm season ever starts. Get in touch with Attain Insurance today. We’ll go over your policy with you. And we’ll make sure you’ve got the coverage you need.

Does US RV Insurance Cover Trips to Canada and Mexico?

Posted on by agentinsure

Planning an RV trip beyond U.S. borders can be exciting—but it also raises an important question: will your insurance still protect you once you leave the country? The answer depends on where you’re going and the details of your specific policy.

Coverage in Canada vs. Mexico

In many cases, U.S. RV insurance policies extend coverage into Canada with little to no change. Canada is typically included within the standard "policy territory," meaning your liability and physical damage coverage may follow you across the border just as they would within the United States.

Mexico, however, is a different situation. Most U.S. RV insurance policies either limit coverage significantly or do not apply at all once you cross into Mexico. Even in cases where limited protection exists — such as near the border or for a short duration — it is often not sufficient for extended travel

Additionally, Mexican law requires drivers to carry liability insurance issued by a Mexico-based insurer. U.S. policies are generally not recognized as valid proof of coverage, meaning travelers must secure a separate policy before driving in the country. 

What RV Owners Should Do Before Traveling

Before heading into Canada or Mexico, it’s important to review your policy carefully. Check for territorial limits, exclusions, and any endorsements that may extend coverage internationally. If you’re planning a trip to Mexico, arranging appropriate insurance ahead of time is essential. Taking a few minutes to confirm your coverage can help prevent unexpected issues and allow you to focus on enjoying your trip.

Reach Out to Attain Insurance, Serving Fort Payne, AL

At Attain Insurance, we’re proud to meet all of your insurance needs. Reach out to our team today to talk about how we can help you protect your RV, no matter where your travels take you.

Can I get Flood insurance if I have a duplex?

Posted on by agentinsure

Insuring a duplex is similar to insuring a conventional single-family residential home. Though there are nuances to duplex insurance, there is also significant overlap with insuring other domiciles.

Is it possible to obtain flood insurance for a duplex?

Attain Insurance, serving, the entirety of Fort Payne, AL, has all the information you need.

Duplexes and Flood Insurance

It is possible to obtain flood insurance for a duplex. Even if the duplex you are considering buying or renting is not located in a flood zone, obtaining flood insurance is in your interest as all properties have the potential to flood.

In some instances, if the duplex consists of one structure with two units, there is the potential to cover it with one overarching policy. 

Why Duplex Flood Insurance is Important

Flood insurance coverage for duplexes is particularly important as standard home insurance policies and landlord policies are typically insufficient. These two traditional insurance policies usually do not provide coverage for flood damage.

Take a deep dive into flood insurance and you’ll find it is possible to obtain coverage for the structure of the building itself including the floors and walls. There is also the option of obtaining separate insurance coverage to protect money invested in personal property.

Keep in mind, both renters of duplexes and the owners of such structures are empowered to purchase flood insurance to protect their property.

Attain Insurance is at Your Service

Are you in the market for flood insurance or other insurance? Attain Insurance, serving Fort Payne, AL, is here to help. Give us a call at 256-845-8979 for a quote.

Is My Car Old Enough to Get Classic Car Insurance?

Posted on by agentinsure

A classic car is a collectible item that can be worth a lot of money. Getting classic car insurance can help you protect the value of your vehicle by ensuring that you can repair or replace it when there is damage.

This is why many people turn to Attain Insurance servicing Fort Payne, AL. We work with many insurance carriers to help our customers find the classic car insurance that will fit their needs and suit their vehicle. If you have questions about classic car insurance, we have answers. 

What Is Classic Car Insurance?

Classic car insurance is a policy that provides coverage for a classic collectible car. Classic car insurance often has specific limitations on how far and how often you can drive the vehicle and how the vehicle is stored. Most classic car insurance policies also require the driver to have a separate car for everyday use.  

Does My Car Qualify for Classic Car Insurance? How Old Should My Vehicle Be?

Whether your car qualifies for classic car insurance depends on the insurance company and the specifics of the policy. Most policies require the vehicle to be at least 20 years old, and some require the vehicle to be older. If you’re wondering whether your vehicle would qualify for this type of insurance, talk to your insurance agent to find out.  

How Can I Get Classic Car Insurance?

If you need classic car insurance, work with an insurance professional you can trust. If you choose an independent insurance agent, they can help you shop around by getting quotes from multiple insurance carriers. 

Need Classic Car Insurance? Call Today

If you need classic car insurance, Attain Insurance servicing Fort Payne, AL can help. Call today to make an appointment or to speak with one of our insurance professionals. 

Annuities versus Life Insurance

Posted on by agentinsure

Financial decisions can be challenging for anyone, and one of the most important decisions is whether to purchase life insurance. If you’re in the Fort Payne, AL, area, our team at Attain Insurance is here to provide the information you need to choose the right life insurance policy. We’ve been proudly serving clients like you since 2011.

Annuities Versus Life Insurance

When exploring life insurance options, you may come across annuities, which share some similarities with life insurance. According to Investopedia, life insurance is designed to provide a payment to your beneficiaries after your death. In contrast, annuities are typically intended to provide income during your retirement years.

Some annuities include death benefits, while certain life insurance policies offer a cash value that can be accessed while you’re still alive. Both annuities and life insurance policies require premium payments, which accrue interest over time. This interest is used to fund the agreed-upon payments upon policy expiration. Annuities can have complex rules, so it’s important to discuss them with one of our experienced agents to fully understand your options.

Call Us for Your Appointment Today

While it may be difficult to think about the end of your life, having a life insurance policy can provide peace of mind by ensuring your family is financially secure after you’re gone. At Attain Insurance, we’re here to answer all your questions and help you find the best policy for your needs. Clients in the Fort Payne, AL, area trust us for excellent customer service and personalized guidance. Contact us today to schedule an appointment and let us help you choose the right life insurance policy.

Workers’ Compensation Insurance: What Is and Isn’t Covered

Posted on by agentinsure

Workers’ compensation insurance is an integral insurance policy for any Fort Payne, AL business with one or more full-time employees. It offers unlimited medical benefits for employees who are injured while working for your company or as a result of long-term work done for your company. It provides injured employees with wage replacement, so they have a steady income they can rely on during recovery. At the same time, it also protects your business from employee lawsuits related to covered accidents.

Even so, some incidents aren’t covered by your workers’ compensation insurance policy. Understanding what these are will prevent unpleasant surprises in the event of an unfortunate incident. 

Careless Behavior

If employees are aware of safety rules and fail to follow them due to carelessness, intoxication, or for other reasons, they can be denied coverage after an on-the-job accident.

Travel to and from Work

Employees aren’t covered by workers’ compensation when commuting to and from work, as this isn’t considered a commercial activity. However, if your employee is traveling as part of their job (e.g., going from your office to a worksite or running errands for your business), then workers’ compensation will likely cover road accidents incurred during these work hours.

Freelancing

Freelance workers in Fort Payne, AL aren’t covered under a workers’ compensation insurance policy. However, a freelancer who is injured while working for you can sue your company for damages if he or she can prove that the injury was caused by your company’s negligence. 

Contact Attain Insurance To Find Out More About Workers’ Compensation Coverage

Call Attain Insurance at your convenience to find out more about workers’ compensation insurance and our other commercial insurance policy options. Our team members would be happy to answer any questions you have and help you find and purchase insurance coverage that meets your company’s needs. 

When To Get Home Insurance During the Home Buying Experience

Posted on by agentinsure

For many people, purchasing home insurance is an essential part of the home buying experience. Knowing when to get started with the process and how to do it can help you when you’re buying your first house. At Attain Insurance, servicing Fort Payne, AL, we can help you find a home insurance policy that meets your needs. Here’s what to know. 

Why Get Home Insurance?

Mortgage lenders usually require home buyers to get home insurance before they can borrow money. If you are buying a home and borrowing money to do it, you will need to get home insurance before the house purchase. 

In addition to being a requirement for getting a mortgage, home insurance also helps protect your investment. If your home is damaged in a covered event, home insurance will help pay for repairs. Many homeowners are unable to cover the full cost of catastrophic damage to their home. Getting home insurance can make recovery after a disaster possible. 

When Should You Get Home Insurance?

Many homeowners start the process of buying home insurance after they’ve made an offer on a home and it’s been accepted. This gives you enough time to find a home insurance policy that fits your budget and provides the level of coverage that makes you feel comfortable.

Need Home Insurance? Contact Us

If you’re in need of home insurance, it’s important to work with an insurance company you can trust. This is why so many people turn to Attain Insurance, servicing Fort Payne, AL, for their home insurance policy. At Attain Insurance, we work with a variety of insurance carriers. We make shopping around easy, and our experienced insurance professionals are here to help. Call today to speak with one of our courteous staff. 

Protecting Your Vehicle From Storm Damage and Alabama Weather

Posted on by agentinsure

When faced with unpredictable weather, proper insurance is key. Whether you own a traditional vehicle or watercraft in Fort Payne, AL, it’s essential to insure all vehicles, even if you just use them seasonally. At Attain Insurance, we’ll work with you to protect your auto investment while saving money with the right form of coverage.

Comprehensive Insurance

Obtaining comprehensive insurance in Fort Payne is always recommended for anyone who owns a vehicle. Comprehensive goes above and beyond traditional liability insurance. It’s possible to protect your vehicle from damage caused by flooding, falling tree branches, and even unpredictable hailstorms. Those who live in Northern Alabama are more likely to experience seasonal flash flooding and hail, which needs to be considered when it’s time to review and renew insurance policies.

Proactive Measures

Before a major storm hits, it’s also advisable to have a contingency insurance plan in place. Preparing your vehicle for storms and potential downfalls of rain and hail can go a long way in protecting and preserving your investments. After a storm, documenting your property’s damage, such as leaks, cracked glass, or even dents, can help with filing a claim. Quick reporting ensures faster processing while minimizing potential repair delays. 

The right amount of coverage for storm coverage is key. At Attain Insurance, we work closely with our clients to help provide the proper auto coverage necessary anytime you’re out on the road. To learn more about your coverage needs while living in Fort Payne, AL, contact us for your quote and consultation.