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Fort Payne, AL 35967

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Fort Payne AL

Does Commercial Insurance Cover Damage Caused by Weather in Fort Payne, AL?

Posted on by agentinsure

Commercial property owners in the Fort Payne, AL area can contact the agents of Attain Insurance if they have any questions concerning weather damage and if it is covered by their commercial insurance policy. There are several aspects that must be considered when it comes to buying commercial or business insurance. They include liability, property damage, Worker’s Compensation, and many other types of insurance that are designed to protect the business owner from sustaining extensive financial losses if an accident or emergency happens. While many businesses can go several years without the slightest glitch, it only takes one strong storm to significantly damage a building and cause extensive loss.

Depending on the circumstances, most types of weather damage are covered under a commercial policy that covers property damage. If a building has been properly maintained and receives damage from high winds, large hail or wind-driven rain, the damages will be covered once the deductible has been paid. In most cases, the larger the premium paid on the policy, the lower the deductible. If a person chooses to pay a lower premium, the deductible will be higher. If the business owner expects to have weather damage covered, they need to make sure their policy covers property damage caused by certain natural events. Flood insurance is often added separately as its own distinct policy.

In Fort Payne, AL, business owners need to be able to talk to a reliable insurance agent if they have questions concerning commercial insurance and property damage coverage. Call the agents at Attain Insurance and have your current commercial policy reviewed and brought up to date to ensure you have the amount of coverage you need to protect your business and your livelihood. 

Your Tips for Understanding Your Comprehensive and Collision Auto Insurances

Posted on by agentinsure

Your auto insurance is your protection against a different vehicle colliding with your vehicle if they would be at fault unless you would purchase additional auto insurance protection.

With this additional collision and comprehensive coverage, you would just need to find out if it would be necessary based on a couple of criteria, such as whether your vehicle is worth more than $2,000, according to the Alabama Department of Insurance, and if you would need this coverage because you have an auto loan with a lender that would require it. 

If you were to decide to purchase this additional insurance with our insurance agency, Attain Insurance in Fort Payne AL, you would then have the coverage that you would need to pay for your collision with another vehicle if you were at fault for your expenses, such as any vehicle repairs for your vehicle.

Your comprehensive coverage would pay for most other types of damages to your vehicle, such as from your vehicle fire, any inclement weather damage including flooding, any vandalism that would cause permanent damage to your vehicle, or if your vehicle were stolen. You would also find that your comprehensive policy would pay for any windshield damage with your vehicle that would not be related to any collision with a different vehicle.

These two types of auto insurances would also require you to pay your deductible, also, per your usual vehicle insurance payment process. This fee would be determined by you, also.

You would just be able to contact our vehicle insurance associates at Attain Insurance in Fort Payne, AL to find out any additional information that you may need to know about our optional insurance coverage.

What Factors Should I Look for When Buying My First Auto Insurance Policy?

Posted on by agentinsure

If you have purchased or were gifted your first car, you will need to obtain auto insurance on that vehicle. But this can be overwhelming at times. There are so many different things you need to know about auto insurance and so many companies to select from. Learning what you need to look for when buying your first auto insurance company can help guide you through the process and help you find the right policy. Here are a few of the things you need to look for as you buy your first auto insurance policy.

Policy Limits

One of the things that you carefully need to pay attention to when buying your first auto insurance policy is the policy limits that are in place. Every state has a mandated minimum amount. However, that does not mean that that is the amount of coverage you need. A great insurance agent or broker can help you determine how much coverage you need.

Deductible Amount

Another key factor to pay attention to is what the deductible amount is on any given policy. If you are involved in an accident, the deductible amount is the amount you will have to pay out of pocket. If you don’t have a lot of money, coming up with a $1,000 deductible may be impossible. As such, you want a lower deductible that you can afford to pay. However, keep in mind, the lower the deductible, the more you will pay in auto insurance.

Policy Price

The last factor to keep in mind as you shop for auto insurance is the policy price. This is how much you will pay for the policy. Most policies are six to 12 months in length. Most companies will allow you to pay on a monthly basis. Always compare prices to ensure you are not overpaying for your policy.

If you are looking to obtain an auto insurance policy, let Attain Insurance in Fort Payne, AL help. We can help you find the right auto policy for your needs, regardless of whether this is your first time buying auto insurance or you’ve purchased several policies in the past. Give us a call today to get started or to obtain a free price quote.

How Does Home Insurance Work?

Posted on by agentinsure

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

Posted on by agentinsure

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.