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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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Attain Insurance

How Does Home Insurance Work?

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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

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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

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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.

Five Tips For Getting Through Your Fall Home Checklist

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You have a home checklist, and that’s great. There’s a lot to be done to ensure your home is ready. After all, you want to be sure you are ready for the cold weather, extra leaves, and the cooking and baking you have planned.

Instead of trying to do the entire checklist on your own, be sure to get some help.

Make a List

Don’t forget to make a list, otherwise, something is going to be forgotten. You will want to check on various features of your home, including:

–           HVAC

–           Gutters

–           Fireplace

Hire Contractors

There’s nothing wrong with hiring professionals to help you with the various things you need to do. In fact, it’s the preferred method in many instances. You may not know a lot about your heating unit and therefore it’s best to have a trained technician run the diagnostics.

Ask the Family

Don’t try and do everything on your own. Have one person schedule the contractors and another change all of the batteries in your smoke detectors.

Don’t Do it All Right Away

You may want to wait on a few of the chores until the weather starts to get a little cooler. This may help you to spread out some of the costs as well. If you don’t plan on using your fireplace for another month, the chimney sweep can wait.

Don’t Forget the Roof

Many people forget about having their roof inspected. While you can do this on your own, it’s best to call a roofer who will get up there and check to make sure all is in good condition.

Take the time to go through the list. Remember, this isn’t something you have to do in one day, nor do you have to do it all on your own.

Learn more about homeowners insurance in Fort Payne by contacting Attain Insurance today.

 

 

Who Can Benefit from Business Interruption Coverage?

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Most business owners recognize the importance of obtaining insurance coverage to protect their company against liability claims, property damage and injuries to their employees. However, many neglect to include the protection that business interruption insurance has to offer. Business interruption coverage can help save a company from financial ruin in the event it had to shut down temporarily due to an unexpected accident or disaster.  

Importance of Business Interruption Coverage

Whether your business manufactures and sells a product or offers valuable services to the public, business interruption insurance is a must to protect your assets. If your business premises had to close down due to damage from a storm, business interruption coverage can protect you from financial loss as you make repairs.   

Closing a business due to natural disaster, fire, accident or other calamity can be a tremendous setback for a business owner. In addition to losing income from lack of sales, temporary closure can stunt your company’s growth and prompt customers to switch to your competition.

Business interruption insurance covers lost income and operating expenses of your business during the time it’s closed to help compensate for these losses. This compensation can help you stay on your feet until you can reopen your business. By including business interruption coverage in your insurance package, you can be fully prepared for any eventuality that interferes with your business.

Who Can Benefit from Business Interruption Coverage?

Business interruption coverage can benefit most any small business in Alabama that faces the risk of closing temporarily due to a sudden or unexpected crisis. By calling or visiting one of our agents at Attain Insurance, you can get a better understanding of what this coverage has to offer. We can help you customize your business interruption coverage to suit your specific business needs. 

 

Why Attain Insurance for Your RV in Fort Payne, AL?

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Why should anyone attain insurance for their recreational vehicle or RV in Fort Payne, AL? Well, the state of Alabama is known for having a ton of RV parks and resorts – 110 of them to be precise. It also happens to be the state with the highest number of RV purchases and this number is continuing to grow every day. As you can probably tell, RVs are quite common in the state of Alabama. As a result, it is not only important to protect your investment in your RV, but it also happens to be a legal requirement to attain insurance for your RV.

What exactly are you protecting your RV against to justify attaining insurance for it? Well, the risks are very similar to those associated with owning or driving a car. These obviously include bad weather, accidents, vandalization, or even theft. Similar to car insurance, your RV insurance offers many levels of coverage such as liability, collision, and comprehensive insurance. The bare legal requirement for RV drivers is liability insurance, which protects you against any bodily damage or property damage that was caused by you if and when you are ever involved in an accident. However, it is important to realize that additional coverage may be available to protect your belongings as well as other things when you are using your RV as a home.

When asking yourself whether why you would need to attain insurance for you RV, just remember that it’s a legal requirement in the state of Alabama, just like any other vehicle on the road. It also provides tons of additional coverage. For more information, feel free to contact us with any questions that you may have about attaining insurance for your RV.

Home Insurance Does Not Include Flood Insurance

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Let’s talk about the real chance of having flood damage. Attain Insurance wants to remind everyone in the Fort Payne, Alabama area that flood insurance is a separate insurance policy that every homeowner needs on top of any basic home insurance policy.

Not everyone home is in the U.S Federal flood zone. Most mortgage lenders will not agree that the homeowner insurance is adequate unless there also is an additional insurance policy that provides flood insurance for homes located in the 100-year flood zone.

Sometimes an extra flood insurance policy is better even if not required as part of the closing process of getting federal-backed or federally-insured loan.

  • Flood Insurance is Always a Good Idea – It does not matter if only the mortgage lender requires this flood insurance coverage.
  • Perceived Risk – The difference is the perceived risk based on the 100- year flood plan.
  • Old Statistics are Not Reliable – Getting flood insurance is based on a statistical choice and not necessarily an accurate one.

Some people do not realize that regular home insurance, which covers such things as theft, fire, and property damage, does not cover damage caused by floods. Flood insurance is a separate insurance policy, which everyone needs to consider, even if not required by the mortgage loan.

Contact Attain Insurance today, so that a competent insurance agent can give you fantastic advice about your existing policy or a new home insurance policy plus a flood insurance policy that you are considering.

Summary
Attain Insurance is the “go-to” insurance agency in Fort Payne, Alabama and the surrounding areas to get the best deal and to be sure you have adequate home insurance coverage to protect your property, the valuable assets, and the people who live there.

Contact Attain Insurance today for all your home insurance needs,

Why Your Entire Family Should Have Life Insurance

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Life insurance is a touchy subject for most people. Although many people see the value of having a life insurance policy, having a conversation about their death isn’t a priority to them. If you are like most people, delaying a conversation about life insurance can be a costly financial mistake. In fact, if you aren’t having the conversation about taking care of your final expenses, then it’s likely you haven’t considered what you would do in the event of the demise of other members of your family. Both conversations are necessary to secure a life insurance for your entire family.

Americans Aren’t Saving

Life insurance is a financial contract between you and your insurance provider. In the event of your demise, your life insurance provider will likely help your family cover the cost of your final expenses. It’s important for you to take steps now to ensure your family has the financial means to pay off debts you leave behind. In this day and age, life insurance is likely the best option to do so. In a recent survey conducted by MarketWatch in 2015, they discovered that only 62% of Americans had less than $1,000 in their savings account. With such little savings, and no life insurance, how would you cover your final expenses? How would you cover the final expenses of other family members?

Final Expenses Are Increasing

The Federal Trade Commission includes basic service fees, the cost of the funeral home’s staff, charges for the services, and cash advances as final expensive costs. Beyond that, you may consider the cost of medical bills as well. In fact, the median cost of a funeral per the National Funeral Director Association is $8,508 for 2014, an increase of nearly 30% from 2004. With the cost of funerals increasing and no savings, how will you cover the cost of a funeral?

Although it’s difficult to consider your death, and harder to consider the death of a child, you want to make sure you aren’t financially strapped if the unthinkable happens. At Attain Insurance, we offer a variety of life insurance policies you can choose between for your entire family. Our licensed life insurance agents can give you a quote for a policy that covers your entire family. Give us a call today, or visit our website for more information.

Fort Payne, Alabama Packing Tips

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The biggest hassle when you are moving is packing up everything you own and then unpacking it in your new place. This process can take many people days, if not weeks of time and can be very stressful and frustrating. However, there are a number of packing tips out there that can make this process go much smoother and allow your move to be much more enjoyable. A few of them are listed below.

MARK ALL OF YOUR BOXES

Many boxes look the same and you will definitely lose track of what should go where during your move. So to help avoid this confusion of what is in each box, be sure to diligently mark them when you pack them up, both with the room the items inside belong in and also what is in each box. This little extra thing to do, will save you a tremendous amount of time when you are unpacking.

INSURE YOUR MOVE

Make sure you set up some form of home or renters insurance with a local insurance provider like Attain Insurance, who serves the greater Fort Payne, Alabama area. This way, you can rest easy knowing your items won’t be lost or stolen at any point during your move as you will have a good insurance policy covering you.

USE STRONG PACKING TAPE

There is no better way to lose items or have items damaged during your move than having a box rip open on you, letting all the contents spill out. To help avoid this happening, use the right packing tape when assembling your boxes or just to further secure your boxes. Use gaffers or gorilla tape, which is incredibly sticky and almost impossible to rip when attached to cardboard.

Safety Tips for First-Time ATV Owners

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So you’ve just purchased your very own All-Terrain Vehicle. You probably can’t wait to get outside and hit the backcountry roads. But before you do, keep in mind that ATVs are powerful machines that can be quite the handful for first-time riders. That’s why Attain Insurance has put together a list of tips to help keep you safe while you’re riding your ATV. 

Wear Protective Gear 

Before you head out for your ride, make sure you’re wearing the appropriate safety gear. At the very least you should wear a helmet, goggles, over-the-ankle boots, gloves, long pants and a long-sleeved shirt or jacket. For added protection, we recommend adding shin pads, a chest protector, and wrist and knee guards to your list. 

Practice, Practice, Practice

You’ll need to get used to the feel of riding your ATV before you hit the trails. Start out by practicing on a level surface, such as an open field, to get your feet wet. As you become more comfortable on your ATV, you can start trying out basic trails and, eventually, more challenging ones. 

Keep Children Off Adult ATVs

Not all ATVs are created equal. ATVs marketed at adults have much more power than the models aimed at youth riders. For this reason, children should never be riding an adult ATV. According to the Consumer Product Safety Commission, more than 90 percent of ATV-related injuries involving children are a result of children being unable to handle the faster, more powerful adult ATVs. 

Don’t Ignore the Passenger Limit

When your ATV says it’s for single riders, it means it. You should be the only person riding a single-passenger ATV. Because these vehicles are made for interactive riding, you’ll need to be able to shift your weight freely to control it. When you have a passenger riding with you, he or she could inhibit your ability to maneuver the ATV, causing you to roll over and crash. 

Get Insured

Your ATV is an investment, and like any other investment, you want to make sure it’s protected. That’s why getting your ATV insured is a must. If you need an insurance policy for your new ATV, give Attain Insurance a call. We serve the greater Fort Payne, Alabama, area and would be happy to go over your options and find an insurance policy that works for you. Call us at 256-845-8979 or visit our website at www.attainins.com for more information.