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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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Fort Payne AL

Is It Time to Update Your Home Insurance Policy?

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If you’ve lived in your home for more than a year, it may be time to update your home insurance policy. That’s where we come in. At Attain Insurance, we’re dedicated to helping homeowners in the Fort Payne, AL area get the quality coverage they need and deserve. Often, homeowners set up insurance when they purchase their home, and then they renew it on a regular schedule. Unfortunately, this doesn’t take into account any adjustments or changes.

Why Update Your Policy?

The upgrades you’ve made to your home, different family circumstances, and all kinds of other changes in life can affect your insurance. When you come to see us, you can talk to an agent about whether your policy is still suitable for your needs. Important updates may be needed, and a review of your policy will help us find them. Additionally, a different policy could be a better choice, and we can also help with that.

Comparing Policies

By providing different quotes from several insurers, we can help you compare your current policy to other options. If a different policy is better, we’ll set it up for you and ensure you cover your house adequately. Having good home coverage is vital for strong protection and also helps increase your peace of mind. There’s no reason to settle for less when we’re here to help make it easier for you to have the right coverage.

Contact Attain Insurance Today

Contact us today at Attain Insurance if you’re in the Fort Payne, AL, area and looking to update your home insurance policy or find a different one. Our agent helps you choose the right coverage for your home so you can feel confident in your policy.

Multi Car and Bundling with Your Auto Insurance

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One of the easiest ways to save money on auto insurance is to insure multiple vehicles under a single policy. Insurance companies in Fort Payne, AL, often offer multi-car discounts when you insure two or more vehicles. This particularly benefits households with multiple drivers, as it simplifies managing policies and reduces premium costs.

A multi-car policy allows the insurer to spread the risk across more vehicles, making it less costly for them and, in turn, offering lower rates. To qualify, the vehicles typically need to be registered at the same address, but different family members can own them. By bundling vehicles, customers can take advantage of a discount, usually ranging between 10% to 25%, depending on the insurer.

Bundling Auto Insurance with Other Policies

Bundling auto insurance with other types of insurance, such as homeowners, renters, or life insurance, is another effective way to lower overall insurance costs. Many insurers offer significant discounts when you purchase multiple policies from them. This practice, called bundling, saves money and makes managing insurance easier by consolidating coverage with a single provider.

When you bundle auto insurance with home or renters insurance, the discount can be as high as 20% or more. Additionally, insurers may offer better customer service, streamlined claims processes, and other perks for policyholders who choose to bundle. This can lead to both short-term savings and long-term advantages, including loyalty benefits. The goal should always involve communicating with your insurance agency about what is offered and when.  

Attain Insurance For a Better Understanding of Insurance

Attain Insurance offers all of the information you need to get insurance. Our agency serves the locations in and near Fort Payne, AL. Call today.

Reasons to Maintain RV Insurance During the Off Season

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Do you own an RV that you only use for a few months of the year and store it when not used? Either way, you’ll also want some coverage in place in the off-season. Here are some reasons why they are brought to you by the agents at Attain Insurance in Fort Payne, AL.

Claims Can Be Necessary Any Time of the Year

Planning ahead to have coverage even during the off-season is a wise move to protect your RV investment. Some situations when your insurance can be invaluable include:

  • Vandalism and theft of your recreational vehicle can occur even when it’s stored in a secure place. Without protection, you may face costly repairs and replacements that you’ll have to pay for.
  • Devastating incidents like hail damage, flooding, and high winds from storms can result in high repair costs that you’ll have to cover without a policy. This is a real risk if you store your RV outdoors.
  • Damage can occur with indoor storage, such as the facility or your storage area catching fire. Should your RV get burned, homeowner’s insurance won’t cover it, but a supplemental fire policy will.

Additional RV Coverage Options

In some situations, it’s possible to carry storage-only insurance, which is known as a Storage Option policy for recreational vehicles. This coverage picks up costs related to vandalism, falling objects, animal damage, theft, and weather-related losses, but not for collisions. This could be a good policy option if you store your RV for a long time.

Get the Right Insurance Coverage Year Round for Your RV

RV insurance is invaluable if you want coverage off-season, year-round, or both. Contact Attain Insurance in Fort Payne, AL, today for more information and to discuss what policies will best suit your needs.

Why The Need For Flood Insurance is Increasing

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Many homeowners may not be aware that flood insurance is generally not included in basic homeowners insurance policies. Acquiring separate flood insurance for your home is crucial, even though it may not be apparent. If you own a home in Fort Payne, AL, Attain Insurance wants you to consider the reasons why you should consider flood insurance protection.

Increasing Intensity of Storms

Many experts claim that storm frequency and intensity are increasing. This means that rainfall can be heavier and longer.

Rising Waters

Rising waters, especially along the coast and waterways, are increasing flooding risks, putting more homes in jeopardy.

Increasing Developments

More housing and commercial developments are changing where and how water flows, increasing the number of flood-prone areas. Homes not previously subject to flooding may now be at risk.

Getting a Quote on Flood Insurance

If you wonder whether you should acquire flood insurance, contact Attain Insurance of Fort Payne, AL. We can discuss your risks and help facilitate your application through the National Flood Insurance Program.

We can also answer any other questions you may have about your homeowner’s insurance and conduct a no-cost, no-obligation review. We can even provide a quote for your home insurance, with or without flood insurance included.

Protect your investment from the growing threat of flooding with Attain Insurance of Fort Payne, AL.

Why The Need For Flood Insurance is Increasing

Posted on by agentinsure

Many homeowners may not be aware that flood insurance is generally not included in basic homeowners insurance policies. Acquiring separate flood insurance for your home is crucial, even though it may not be apparent. If you own a home in Fort Payne, AL, Attain Insurance wants you to consider the reasons why you should consider flood insurance protection.

Increasing Intensity of Storms

Many experts claim that storm frequency and intensity are increasing. This means that rainfall can be heavier and longer.

Rising Waters

Rising waters, especially along the coast and waterways, are increasing flooding risks, putting more homes in jeopardy.

Increasing Developments

More housing and commercial developments are changing where and how water flows, increasing the number of flood-prone areas. Homes not previously subject to flooding may now be at risk.

Getting a Quote on Flood Insurance

If you wonder whether you should acquire flood insurance, contact Attain Insurance of Fort Payne, AL. We can discuss your risks and help facilitate your application through the National Flood Insurance Program.

We can also answer any other questions you may have about your homeowner’s insurance and conduct a no-cost, no-obligation review. We can even provide a quote for your home insurance, with or without flood insurance included.

Protect your investment from the growing threat of flooding with Attain Insurance of Fort Payne, AL.

Classic Car Insurance: For the Car and What It Means

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Cars today are vastly different from the nostalgic cars of yesteryear. There is something special about classic cars, from fastbacks to Stingrays, as well as cult classics like the Cobra or the AMC Javelin. However, one thing that our classic gems share with modern vehicles is the need for protection. Even for that classic car that only sees the light of day for the occasional car show, insuring your car is crucial, possibly even more so for classic car owners. This desire to protect these mechanical masterpieces from years past is what draws many from the Fort Payne, AL, area to the professional and friendly team at Attain Insurance for their classic car insurance needs.

Insurance for Your Classic Car – And So Much More

Insurance can be a game-changer, helping with those more expensive parts that are no longer manufactured or those that need to be custom-made for repairs from accident damage and beyond. When it comes to classic cars, it’s also about more than merely protecting a vehicle. For many, classic cars serve as a portal to a bygone era, offering a recollection of a different time and place. These places, memories, and experiences play a significant role in shaping many of us today. Indeed, it’s about more than just protecting an automobile.

Classic Car Insurance in Fort Payne

If you live in or around the Fort Payne, AL, area and require car insurance for your classic car or have queries about classic car insurance, our reputable team at Attain Insurance can assist. For most of us, our classic cars are much more than mere vehicles; they represent a piece of our history. Get in touch with us today to learn more about how you can safeguard your classic car with the right insurance solutions from the Attain Insurance team.

Adequate Coverage for Your Final Expenses

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A turn of events leading to your life’s loss could financially burden your family. If you decide to purchase life insurance while you are young and healthy, you could prevent monetary strains that your loved ones would need to deal with in the future.

Life Insurance

Life insurance coverage will provide your beneficiaries with a death benefit. This benefit is typically paid out in the form of a lump sum. A whole life insurance policy builds a cash value over time. Each year, the value increases. A term life insurance policy does not build a cash value.

The portion of the life insurance policy assigned to your estate can be used to cover your final expenses. This money will be paid out separately from your beneficiaries’ proceeds.

Final Expenses

  • Cremation
  • Burial
  • Urn
  • Casket
  • Embalming procedure
  • Flowers
  • Memorial

Your Assessment

An assessment will help you determine the right life insurance coverage amount for you. During your assessment, record the cost of any services that will take place before and after your memorial ceremony.

If you aren’t familiar with the cost of a funeral or any other service you prefer, consult a funeral director. Your assessment will help you gauge how much life insurance coverage you need.

Remember, the amount designated for your final expenses will not be related to the amount that your beneficiaries receive.

Contact Attain Insurance

Contact one of our agents serving Fort Payne, AL, to learn more about whole life insurance and term life insurance policies. A representative of Attain Insurance can help you schedule an appointment with an agent.

What Kind of Commercial Coverage Does Your Small Business Need?

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After working so hard to establish a small business, protecting your assets with commercial insurance only makes sense. Whether your small business is home-based or located at a separate business site, commercial insurance can protect you from unforeseen incidents that can cause financial loss. At Attain Insurance, we work closely with small businesses in Fort Payne, AL, to help owners get the essential coverage they need.  

Required Commercial Coverage in Alabama

If your business employs five or more people, you’re required to have worker’s compensation insurance to protect them from injuries on the job. Worker’s comp helps cover your employees’ medical bills, lost wages, and more to help them get back on their feet after an injury on the job.  

Additional Commercial Insurance Coverage

In addition to protecting your employees, you can purchase coverage to protect your business property, equipment, revenue, and other assets against financial loss.

General liability insurance covers accidental injuries when customers visit your business site. Accidents happen all the time. Even a slip and fall can result in severe injuries with high medical costs. General liability will cover these expenses to protect your company’s assets.

Property insurance covers your building, business equipment, and inventory. If high-end equipment is stolen or your building is damaged by an unforeseen disaster, property insurance provides financial resources to repair or replace your goods, equipment, or building, keeping you from financial loss.

Business interruption insurance helps cover loss of revenue if your business has to shut down temporarily due to a hurricane, fire, windstorm, or other disaster.

To save money, we recommend purchasing a small business owner’s policy (BOP) that provides all this coverage simultaneously.  

Looking for Commercial Insurance?

For quality commercial coverage for your small business in Fort Payne, AL, contact Attain Insurance. 

Creating and storing a home inventory

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If you have been putting off making a home inventory or failed to understand why it is important, now is the time to decide to go for it. You will realize how helpful having an inventory can be when you file a claim. At Attain Insurance in Fort Payne, AL, we are here to help you with the purchase of your home insurance policy and any claims that you may need to make. 

Making a home inventory is a time-consuming occupation. It would be best if you got a pad and pen to write things down, a phone, or a camera to take pictures. You go to one room at a time in your home and document everything in that room. Give as much detail as possible, and when possible, give the brand name and any identifying numbers on the items. Take pictures of the room from several different angles and attach any receipts of sales slips that you may have. 

Open every drawer, cabinet, and closet. Remember to go to the attic, basement, garage, and every storage unit under the bed. Document the books in your bookcase and the holiday decorations in your attic. You will likely be surprised by the amount of stuff that you actually own. 

After you have completed the inventory, you need to find a safe place to store it. Storing it in your home is not the best option, but if it must be there, make sure it is stored in a fireproof, water-resistant container. A safe deposit box is a better option. No matter where you store it, please have a copy on the cloud so you can access it anywhere. 

If you have questions about home insurance, contact our office at Attain Insurance in Fort Payne, AL. As independent insurance agents, we can offer more choices and the best rates. 

 

Winter Driving Safety Tips

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Expert Guide to Safe Winter Driving

Winter driving in Fort Payne, AL can be terrifying and risky, especially in regions with treacherous winter precipitation. The professionals at Attain Insurance recommend preparing your vehicle for winter to ensure safety during emergencies.

Winter Driving Preparation Tips

Follow this guide to prepare your vehicle for winter driving. Maintain your car health – check battery, maintain tire tread, clean wipers, ensure no-freeze washer fluid, and check the engine’s anti-freeze. Plan your driving route in advance and communicate it with family or friends.

Winter Driving Best Practices

Educate yourself on handling a skid, understand your brakes, provide extra distance between vehicles on slippery roads, and safely idle your vehicle, ensuring you clear the exhaust pipe.

Essentials to Keep in Your Car

Essentials you should always keep in your car include a flashlight, jumper cables, abrasive material for traction, a shovel, snow brush, ice scraper, warning devices like flares, and blankets. For long journeys, include nonperishable food and water.

Attain Insurance: Your Preferred Insurance Agency

For more information about protecting your vehicle further, contact the Attain Insurance team at 256-845-8979 or online.

Making Your Winter Journeys Safer

Winter roads are unpredictable. Encountering issues on the road during this season can be challenging and stressful. That’s why we’re here to help. Our experts at Attain Insurance can provide you with a comprehensive auto policy that fits your needs, giving you the confidence and security to navigate through the winter season safely. Contact us today to learn more.