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Do I Need Insurance on My Classic Car?

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Whether you need insurance on your classic car – and what kind of insurance you need – depends on a few factors. Highpoint Insurance Group in Dadeville, AL is here to help. Here we explore when you need insurance on your classic car, how to determine what kind of insurance you need, and how to get started. 

When You Need Insurance

State law in Alabama requires anyone who owns a car with four or more wheels to carry liability insurance with certain minimum limits. This ensures that if your vehicle is involved in an accident, injured people and damaged property are covered. 

In some cases, classic cars remain parked. Perhaps you bought a classic car that needs to be restored, and you won’t drive it until the project is done – maybe years from the initial purchase date. While some states may not require coverage on a car in this situation, Alabama law requires that any car you own and register is insured. For this reason, liability insurance is always required on classic cars. 

Types of Classic Car Insurance

When you insure a classic car, you’ll choose between auto insurance and classic car insurance. The difference between the two is that standard auto insurance will only protect your investment in the value of the car using standard calculations, while classic car insurance will insure the total value of the car. Classic cars are often worth more than the standard calculation indicates – and that’s where classic car insurance bridges the gap. 

Schedule a consultation today!

The best way to determine the right kind and amount of insurance for your classic car is to meet with a licensed agent who can provide guidance and direction. 

To learn more about classic car insurance, visit us at Highpoint Insurance Group serving Dadeville, AL today. We’re excited to help you find the right product for your car. 

Renting a Home? Protect Your Assets with Renter’s Insurance

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When you rent a home, condo, or apartment, your landlord is responsible for its upkeep and repairs. Damage to your rental property is generally covered by your landlord’s insurance policy. But what about your personal property? Who’s responsible for your valuables? Why, YOU are, of course. One of the best ways to protect your goods is with renter’s insurance from Highpoint Insurance Group, serving the greater Dadeville, AL community.

About Renter’s Insurance

Renter’s insurance provides an affordable, practical way of protecting your assets from events like theft or fire that can cause financial loss. A typical renter’s insurance policy offers property, liability, and additional living expenses coverage.

Property insurance protects your belongings – clothes, jewelry, furniture, electronics, home goods, appliances, etc. If these goods are stolen, vandalized, or damaged in a disaster, property insurance will help cover their repair or replacement costs.

Liability insurance kicks in when someone has an accident while visiting your rental property. If the accident results in injury, liability insurance will help cover medical costs. Liability insurance will also pay for accidental damage to a visitor’s property, such as a broken laptop or damaged car.  

If your rental home is damaged in a disaster and you need to leave while repairs are made, additional living expenses coverage reimburses you for the costs of living elsewhere during this time.

Why You Need Renter’s Insurance

Life is full of unexpected surprises, good and bad. Renter’s insurance protects you from the unexpected, so you’re not caught completely off guard. If you have valuable possessions, renter’s insurance is a must to avoid financial loss. Even if you live modestly, you can benefit from the financial support that renter’s insurance can provide when you need it most.

Where to Obtain Renter’s Coverage

To purchase a renter’s insurance policy, contact Highpoint Insurance Group. We proudly serve the greater Dadeville, AL region.

Tips for taking your motorhome to a national park

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Taking your motorhome from the Dadeville, AL area to a national park can be a great way to experience nature in its purest form. However, there are some important tips from us at Highpoint Insurance Group you should keep in mind before embarking on such an adventure. 

Tips For Your Motorhome

First, make sure you know the rules and regulations for the national park you plan to visit. Some parks may have restrictions on where visitors can camp or what type of vehicles are allowed. It’s important to research these rules before leaving so that your trip goes as smoothly as possible. 

Second, always plan ahead and book any campsite accommodations well in advance. Many national parks are extremely popular, and campsites can fill up quickly – especially during peak seasons. Booking your spot ahead of time will guarantee that you have a safe place to stay while exploring the park. 

Third, familiarize yourself with the terrain of the park you plan to visit before going so that you can safely navigate through it with your motorhome. Make sure you know which roads are off-limits and stick to designated driving routes whenever possible. 

Fourth, always bring plenty of supplies with you when visiting a national park in case of emergency or adverse weather conditions. Make sure to stock up on water, food, and other essential items that might come in handy during your trip. 

Keep Your Insurance Policy Updated

By following these tips, taking your motorhome to a national park can be an unforgettable experience! So don’t forget to do your research beforehand and make sure you come prepared – then get out there and explore! For more tips and for your insurance needs, call us at Highpoint Insurance Group. We are proud to serve the Dadeville, AL area.

The importance of wearing a helmet while riding a motorcycle

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Riding a motorcycle here in the Dadeville, AL area can be an enjoyable and thrilling experience, but we at Highpoint Insurance Group think it is important to remember safety first. Wearing a helmet while riding a motorcycle is essential in order to ensure your safety and the safety of those around you.

Not only does wearing a helmet prevent serious head injuries and even death, but it also helps protect you from the elements. Helmets are designed with features such as padded liners that absorb impacts, ventilation systems to keep riders cool, and aerodynamic designs that help reduce wind noise.

In addition to personal protection, helmets are also required by law in many areas. Wearing a certified helmet (that meets government standards) is not only recommended; it’s necessary in order to comply with the law and stay safe on the road. 

When choosing a helmet for motorcycle riding, it’s vital to select one that fits comfortably yet securely. It should grip your head snugly without being too tight or uncomfortable. Be sure to follow all instructions for proper fitting when putting on your helmet each time you ride. 

Keep Your Insurance Updated

Wearing a helmet while riding a motorcycle should never be overlooked as an option – it’s one of the most important steps you can take for your own personal safety and well-being on the road. For more safety tips, give us at Highpoint Insurance Group a call today. We are proud to serve the Dadeville, AL area and would be happy to help you find a policy that meets your needs and your budget. So don’t wait! Call us today!

Protect Your Assets with Umbrella Insurance

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Do you live in Dadeville, AL? Are you one of the fortunate people that have many assets that need protection? If so, we at Highpoint Insurance Group can help.

Why Umbrella Insurance?

If you cause a major car accident, liability insurance protects you and your family’s finances from a lawsuit. For example, if you crash into another car, your car liability insurance will pay for their medical expenses, property damage, and legal expenses, but only up to your insurance policy limits.

What if the costs incurred exceed the liability limits of your auto insurance policy? That is when umbrella insurance takes over. It provides excess liability insurance, or simply put, additional coverage, beyond the liability coverage limits of your auto insurance policy.

But umbrella coverage is not only additional coverage for your auto policy but also for your home or boat. Think of this coverage as asset protection. It can prevent you from losing all you have worked hard for in the event of a lawsuit.

Here are a few examples of where an umbrella insurance policy could protect you:

  • You are at fault in a serious boating or auto accident. The bills mount up fast, especially if multiple people are involved. Your boating or automobile insurance policy would pay first up to the maximum, then the umbrella insurance policy would pay.
  • What if your dog bites a visitor? Dog bites are covered by a homeowners insurance policy. But if you are sued for an amount in excess of your homeowners’ policy, the umbrella policy would kick in.
  • If you or a family member accidentally injures someone, your umbrella policy will pay when the home or auto insurance is exhausted.
  • If you accidentally drive your car into a building by putting your car in drive rather than reverse, which can happen. It will cause extensive damage to the building. Your auto insurance will pay first, and the umbrella policy will pay second.

Reach Out To Us

If you need additional protection for all your assets, consider umbrella coverage. Contact us today at Highpoint Insurance Group in Dadeville, AL. We will answer all your questions or provide you with a quote.

The Importance of Liability Coverage in Your Boat Insurance Policy

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Sailing the waters of the Dadeville, AL area can be a wonderful experience, and we at Highpoint Insurance Group want to ensure you are adequately protected. That’s why we want to discuss the importance of liability coverage when it comes to boat insurance policies, so you can be appropriately informed when choosing the right policy.

Protect Yourself and Your Boat

No one wants the liability of an accident or the damage resulting from a mishap on the water to come out of their own pocket. Liability coverage is the cornerstone of boat insurance policies and provides the most extensive protection against the financial consequences of an accident. Specifically, the coverage will protect the insured against the cost of any legal action taken due to an accident or injury caused by the use of the boat. This can include damage to a third party’s property, injury to the other party, and the cost of the legal defense.

Types of Boat Insurance Coverage

Liability coverage is the most crucial element of a boat insurance policy, but it’s far from the only type of coverage available. Many policies can offer protection against theft, fire, flood damage, and personal injury protection for passengers on the boat. Some policies even provide coverage for the cost of towing the boat in the event of an accident.

Some of the most common types of boat insurance coverage include:

  • Bodily Injury Liability: This covers the cost of medical bills and other expenses resulting from the injury or death of someone involved in the accident.
  • Property Damage Liability: This coverage will cover the repair of the property owned by the third party damaged in the accident.
  • Uninsured Boater Coverage: This type of coverage can protect the insured boat owner if the other party doesn’t have the proper insurance.
  • Replacement Cost Coverage: With this coverage, the policyholder will be eligible to receive the total replacement cost of the boat if it is damaged beyond repair.

How to Choose the Right Insurance Policy for You

To ensure the policy you choose offers the right coverage and the best value, working with an experienced insurance agent is essential. Our agents at Highpoint Insurance Group have years of experience in the Dadeville, AL area and will be able to help you find a good boat insurance policy for your needs. We are here to answer any questions and help keep your boat safe from the unexpected.

No one likes to think about the risks of owning a boat, but the reality is that the potential for an accident or injury on the water exists. With the proper liability coverage as part of your boat insurance policy, you’ll be prepared and protected if the unexpected occurs. Contact us at Highpoint Insurance Group today for the coverage you need to stay safe out on the water.

Smoking and Life Insurance: What You Need to Know

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You already know that smoking isn’t a great idea for your health, but it could also be hurting you financially–especially when it comes to your insurance premiums. Searching for how this can affect your life insurance policy in Dadeville, AL? Highpoint Insurance Group is here to help. 

Here, we’ll take a look at how smoking could affect your life insurance policy. 

Smoking and Life Insurance

There’s no doubt that you can qualify for a life insurance policy if you smoke or use other tobacco products, but using these products can mean that you’re going to be paying more than if you quit. Since smoking and the use of other tobacco products have proven to be harmful to your health, life insurance companies are able to charge more for policies for people who smoke.

The good news: you’re not stuck with higher rates. After you’ve been tobacco-free for a year, you’ll be able to talk with your life insurance agent about a potential change in your policy that could lead to lower rates. Getting tobacco products out of your life can be tough, and knowing that you’re going to save money when you make the switch to a smoke-free life can give you the incentive you need to keep working towards getting healthier. 

Contact Us Today

Finding the right life insurance policy for you and your family is a key part of ensuring the ones you love are protected if the unexpected occurs. At Highpoint Insurance Group, we’re proud to serve our Dadeville, AL customers, and we look forward to getting to know you and discovering which of our life insurance policies is the best fit for your needs. 

Tips to prepare your car for winter

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At Highpoint Insurance Group, we provide auto insurance and related guidance to maximize the protection of your vehicle. As the winter season approaches here in the Dadeville, AL area, there are many things you can do to prepare your car for the cold temperatures.

Here are some tips to help you get your car ready for the winter weather: 

1. Check Your Battery

Cold weather can cause batteries to lose their charge faster than normal, so it is important to make sure that your battery is functioning properly. Have a mechanic test the battery and alternator before the coldest months arrive. 

2. Inspect Your Tires

Tires should be inspected at least once a year, but it’s especially important to check them in preparation for winter. Make sure tires have enough tread depth and proper alignment. Consider investing in snow tires if you live in an area with heavy snowfall. 

3. Replace Windshield Wiper Blades

Ice and snow will collect on the windshield of your car, and without functioning wiper blades, visibility can quickly become compromised when driving in inclement weather conditions. Replace worn-out windshield wipers before winter arrives for maximum safety and visibility while driving in icy or snowy conditions. 

4. Top Up Fluids

Ensure all necessary fluids such as brake fluid, coolant, power steering fluid, transmission fluid, and windshield washer solvent are topped up prior to the winter months  

5. Change The Oil

If it’s been a while since you changed the oil on your car, now is a great time to do so. Old oil can become thick in cold temperatures making it more difficult for the engine to start up after being parked overnight. Make sure to check the owner’s manual. 

Protect Your Vehicle With Auto Insurance

By following these simple steps, you’ll be well prepared for whatever Mother Nature has in store this winter season! For more tips, call us at Highpoint Insurance Group. We serve the greater Dadeville, AL community. 

Commercial insurance that can help your small business

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At Highpoint Insurance Group, serving the greater Dadeville, AL community, we understand the challenges small businesses face every day. Our job as independent insurance agents is to help mitigate some of the risks your business faces, so you can survive if you are ever struck by a covered peril.

The first step is making sure you have the right coverage:

Commercial property insurance

Commercial property insurance can help your business to survive a covered peril. It not only covers the building, if you rent, you don’t insure the building, it covers the things you need to do business. Depending on the type of business you have, it could be plumbing tools and materials, office equipment, machinery for manufacturing, and raw materials or display units for stores. You will be able to replace the things you use and get back to work sooner. 

Commercial liability coverage

Being sued is a distinct possibility when you own a small business. It happens all too frequently and not only can it drain your time, but it can also drain your bank accounts if you don’t have commercial liability insurance protecting you. 

Workers compensation coverage

If your business has five or more full or part-time employees, you need to cover them with workers compensation insurance. It is a good thing for your employees and your business. 

Business interruption coverage

When your business is hit by peril, if you have business interruption insurance, it can help you to survive this time when your income stream may dry up. If you can’t do business, your expenses do not go away. You still need to pay your rent and the salaries of your employees and even your own. Having this insurance can really save your small business. 

Give Us A Call

Contact Highpoint Insurance Group in Dadeville, AL to discuss how your business can benefit from commercial insurance coverage. 

Protect Your Most Valuable Asset with Home Insurance

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Are you thinking of becoming a homeowner? If so, did you know that before you can obtain a mortgage, your lender will require you to have a homeowner’s insurance policy to protect your interests? If you live in Dadeville AL, Highpoint Insurance Group can answer all your questions.

Why Home Insurance?

The purpose of homeowners’ insurance is to pay for losses and any damage to your property in the event of a burglary, fire, or weather event. Standard homeowners’ policies do not cover artwork, jewelry, collectibles, or other valuable personal items. It does not cover damage caused by flooding or an earthquake. It would be necessary to get a separate rider to cover these situations.

Typically, a homeowners policy includes six different coverages. They are dwellings, structures such as garages or storage sheds, personal property, personal liability, medical payments, and loss of use.

Types of Policies

The two types of policies issued are the HO-2, which is a commonly purchased policy. HO-3 has broader coverage than HO-2.

You should have a deductible of at least $1000. A higher deductible reduces your rates, sometimes significantly, but means you will have to pay the deductible out of pocket if a claim is filed.

Common Causes of Claims

The most common causes of home insurance claims are theft, wind, non-weather-related water damage, hail, and weather-related water damage. These causes make up approximately 77% of all insurance claims. It is obvious why a homeowners insurance policy is necessary for the protection of your property and finances.

If your property is mortgage-free, it is still important to have coverage for your home. If you have a guest that is injured on your property, or your dog decides to bite a visitor, you will have liability protection to cover costs.

Give Us A Call

Highpoint Insurance Group in Dadeville AL can provide a quote or answer any questions you may have. Contact us today.