It is a dream for many people to own a business. When you are a business owner, you are going to control your own destiny and be your own boss. If you are going to open a business and the Dadeville, AL area, you always want to make sure that you have proper insurance. Having commercial insurance will continue to be a good investment for a few reasons.
Protect Against Liability Risk
One of the reasons that you should get this coverage in Alabama is so you can offset your liability risk. Business owners today need to recognize that they take on liability risk with every transaction they complete. Since this is a risk that will always exist, having insurance is a good idea as it can help to protect the viability and financial future of your business.
Cover Your Assets
You should also make sure that you get insurance to protect assets that are owned by your business. When you have this type of insurance, you will consistently have the insurance you need to repair or even fully replace your core business assets. If you are ever a victim of a fire, theft, or other situation that is covered, you will know that you have the support by your side to continue to properly operate your business.
There are many great reasons to start a company in the Dadeville, AL area. When you are looking to be a business owner here, finding ways to protect it is extremely important. As you are assessing your insurance needs, calling the Highpoint Insurance Group can be a great option. The team with the Highpoint Insurance Group knows the value of this coverage and will offer any support you need to build an appropriate plan.
We’ve all read these types of sad reports in the news at some point in our lives. Calamities such as a robbery or a fire cause a total loss of the home, and the homeowner neglected to have any homeowners insurance. Nobody wants to lose everything that they’ve worked so hard to achieve, not to mention losing irreplaceable items such as family heirlooms and pictures. The best defense against becoming one of these sad stories in the future is to purchase home insurance coverage for your home. For your home insurance needs, Highpoint Insurance Group in Dadeville, AL has options available for you.
Home Insurance in Alabama has base-level coverage that is required if you have a mortgage affixed to the home. These coverage limits can be raised to any amount that you feel would cover the worth of the home and the items located within. Keep in mind that the higher the coverage limit, the higher the monthly premiums will be in relation to your policy. The base-level policy will cover all items inside the home and just outside (anything affixed to the building) of it from damage, fire, and theft. Alabama is known for tornadoes and storm damage, so it would be prudent to also purchase flood insurance as a rider or additional coverage along with your regular home insurance coverage. The only event that wouldn’t be covered under any plan is an “act of god” such as earthquakes, which are extremely rare in Alabama.
You can also purchase liability coverage to cover the entirety of your property which will cover you under certain circumstances. These circumstances are in relation to visitors to your home who trip and fall outside and get injured on your property. It’s always a good idea to be covered under any possible circumstance as you never know what will happen in Life.
To learn more about home insurance in Alabama, please contact Highpoint Insurance Group in Dadeville, AL today!
If you own a classic car in Dadeville, AL, you should consider getting a classic car insurance policy. These antique cars are a great investment, especially when you want to add something unique and classy to your car collection. Insuring it ensures you are protecting yourself and your car in case anything happens. To help you understand classic car insurance, Highpoint Insurance Group takes you through what you need to know.
How Does it Work?
Classic car insurance works the same way your standard auto policy works. However, classic car insurance comes with the benefit that you get coverage for your car’s agreed value as long as you follow the terms and conditions stated. Just like the regular policy, this type of insurance also comes with different coverage, like collision coverage and comprehensive coverage. You can therefore choose the one that fits your needs and budget.
What Is Considered a Classic Car?
For your car to be considered a classic, it should be at least 20 to 25 years old and above. The vehicle also needs to be maintained to its original specifications or designs. This means that any restoration done to the car should remain consistent with how the vehicle was originally built.
Qualifications For Classic Car Insurance
There are rules governing a classic car insurance policy other than the age. They include:
- The car should not be used as the main car to run errands or for daily use.
- The car should be stored in safe storage like a private garage, storage unit, or pole barn.
- The car needs to be in good condition.
- It should not be used for racing.
- The driver should be 25 years and above and with a good driving record.
Insuring your classic car ensures you do not suffer a financial loss when you get into an accident and damage the car, get injured, or injure other people. And since this type of auto insurance is somehow complex, you need to work with a great team like the one at Highpoint Insurance Group of Dadeville, AL. Give us a call today, and we will assist you in choosing the right coverage.
At Highpoint Insurance Group, we help Dadeville, AL, area renters get the insurance they need to be safe. But what happens if you don’t get an insurance policy when renting a home?
Why Renters Insurance is Wise
While there is no law saying that renters need insurance for their homes, it is almost always a good idea to get a policy that covers you. Why is that the case? Let’s look at a hypothetical example of what could happen to you if you don’t pay the small money necessary for a renters insurance policy.
You’re renting a home from your landlord, and things are going fine. However, a storm hits one day, and the house gets leveled due to a tornado. The landlord’s homeowners policy will cover the structure and replacement of the home. But not your items – that’s what your renter’s insurance policy covers.
So, instead of getting financial help from your policy, you end up having to pay for replacing things like your bedding, all of your electronics, and much more. Many people never fully recover emotionally or financially in a situation as damaging as this one.
That’s why it’s better just to set up a renters insurance policy, even if your landlord doesn’t technically require it of you. Doing so will help to pay for any of the problems you might otherwise experience and help you recover after a serious issue – it can even pay for minor issues, as well.
Coverage is Worth Paying For Your Protection
If you are renting your home and you want to avoid severe and unnecessary complications, make sure that you get renters insurance right away. Then, contact us at Highpoint Insurance Group, and we can serve your Dadeville, AL area needs. We’ll do what we can to help keep your goods safe.
When it comes to insurance, nothing beats the benefit of knowing that you, your family, and your assets are covered. Motorhome insurance is no exception. Highpoint Insurance Group serving Dadeville, AL would like you to know more about the benefits of motorhome insurance.
When you purchase motorhome insurance you are getting more than auto insurance. Instead, you are getting the combined benefit of auto and home insurance in a specially curated package. In Alabama, all vehicles including motorhomes and RVs require a minimum of auto liability insurance. This covers you for any personal or property injury to another person because of an accident. It may be that you either live in your motorhome full time or vacation regularly. Comprehensive motorhome insurance allows you to insure the contents of your motorhome against non-collision damage and theft. Non-collision liability is also another welcome benefit if you regularly have visitors to your home. A further benefit of motorhome insurance is breakdown assist, provided you select this cover. Regularly visiting campsites may present some security issues. Selecting campsite and vacation coverage will make sure you aren’t left high and dry if there is an incident. If you outfit your motorhome with extras such as a satellite you obtain coverage for that. And finally, you can also cover your motorhome for things like fire and natural disasters and there is definitely a benefit to that kind of protection.
When your mode of transport is also your home, then there are many things to consider. By contacting Highpoint Insurance Group serving Dadeville, AL today you can insure yourself from trunk to hood and receive the benefit of protecting your vehicle, your home, and your family as you tour the state of Alabama and beyond.
Motorcycle insurance helps protect owners from accidents and theft. Unfortunately, motorcycle theft is a common problem that is not just in Dadeville, AL but all across the country. Understanding how theft can affect motorcycle insurance is vital to help purchase a policy and protect yourself from experiencing insurance rate increases. The agents at Highpoint Insurance Group are ready to help motorcycle owners learn more about their insurance options, and they are affected by theft.
Why Your Motorcycle is a Target for Thieves
There are many reasons why motorcycles are targets for thieves, including the fact they are often equipped with expensive aftermarket parts. These parts not only increase the value of the motorcycle, but they can also be sold individually for high profits. Additionally, motorcycles are more accessible to steal than cars because motorcycles typically do not have the same anti-theft features as vehicles do.
Theft and the Seasons
Motorcycle thefts often rise and fall as seasons change. Since motorcycles are more present in the summer months, because everyone is out riding, theft rates rise. In 2012, the National Insurance Crime Bureau reported that July had the highest number of stolen motorcycles. During this month, there were more than 5,500 thefts reported in the United States. Conversely, the month of February saw the fewest thefts, with a little more than 2,000 motorcycles stolen across the country.
Effects of Stolen Bikes on Insurance
When a motorcycle gets stolen, a theft claim gets reported to the insurance company. Filing a claim for theft could immediately impact motorcycle insurance coverage rates. Though the theft is covered, filing a claim turns a motorcycle owner into a high-risk policyholder, affecting premiums.
Motorcycle owners in Dadeville, AL must understand how theft affects their motorcycle insurance rates. Those with questions can receive further assistance in understanding their motorcycle insurance policy by reaching out to the experts at Highpoint Insurance Group.
Owning a boat in Dadeville, AL is the first step towards enjoying all the fun that the ocean has to offer. Highpoint Insurance Group is the partner you need to have on speed dial when purchasing a new or used boat. There are several factors and features you must consider to enjoy smooth operations. Here are some recommendations.
Find Secure Parking for Your Boat
When buying your boat insurance, it is advisable to have a safe location to keep it, especially when not in use. The policy needs to cover your boat, whether in water or off shows. Your parking location is likely to influence the type of insurance coverage you need. Several losses may occur as a result of the storage area. They include fire, vandalism, collapsed shelter, damage caused by falling objects, and frost, to mention a few.
Storing your boat in a locked area reduces the chances of it getting stolen. While parking it on an open ground may seem risky, it prevents it from issues such as collapsed shelter or falling objects. The type and rates of your insurance depend on the risks involved.
The Intended Area of Usage
Different areas feature varying levels of risks. The region you chose will influence the type of boat insurance cover and the rates you pay. Areas around a small lake will cost you less than when you decide to use your boat in an ocean or deep waters.
Your Driving History
Insurance companies are keen when providing boat policies. Your driving history reveals how risky you are to insure. High-risk drivers are likely to be dangerous with boats. That way, your premium depends on what your records say. Your experience in handling vessels is also a factor that most agencies do not overlook. With a clean history, you are likely to get fair premiums that when your records state otherwise.
If you are looking for a premium boat insurance service in Dadeville, AL, visit our website to link up with Highpoint Insurance Group today.
What is the best thing you can do for those you love? Some people will say, having life insurance. It certainly is important, and if you are thinking only of the death benefit, it can be crucial to making sure your loved ones are provided for. Life insurance can also be part of long-term financial planning. At Highpoint Insurance Group in Dadeville, AL, we have been in business since 1992. We are dedicated to finding solutions for all of our customer’s insurance problems.
Do you have to choose a family member as a beneficiary?
In most states, you can name anyone you want as a beneficiary. Only community property is the exception. Since Alabama is not a community property state, you can name anyone you want to be the beneficiary.
What to do if you can’t make a premium payment?
The first thing to do is to contact your insurance carrier. Explain the situation. Most will be understanding and allow you some grace. Depending on the type of insurance, you may use the cash value to pay the premium.
Is it necessary to buy life insurance if I get some from work?
It may not be necessary to buy additional life insurance if you get some from work, but it is a good idea. If you change positions, you may not be able to take life insurance with you, and that could leave you unprotected.
Determining how much life insurance is enough?
Consider your dependents and how long they need you to provide for them. Multiply your yearly income by the number of years, and you will have a reasonable figure to begin with. Other things figure in, but with this amount, you have a base.
If you are looking for a family-owned independent insurance agency, Highpoint Insurance Group in Dadeville, AL is here to provide the customer service you deserve.
It’s important to learn as much as your can about auto insurance options when you’re shopping for the right policy in Dadeville, AL. At Highpoint Insurance Group, we can answer all your questions about insurance policies for your vehicle.
The following are three frequently asked questions about auto insurance coverage.
How much coverage should I buy?
Investing in the right amount of coverage is important for protecting yourself financially.
There are some minimum coverage requirements that you need to meet to drive legally in Alabama. In Alabama, these minimum coverage requirements include $50,000 total liability coverage per accident and $25,000 total in property damage coverage.
Also, it’s a good idea to invest in added liability coverage, collision coverage, and comprehensive coverage.
What steps should I take to find a policy?
There are a lot of auto insurance options out there. Finding the best policy for your needs is important. It would be best if you researched your options before selecting a policy.
Some important steps in choosing a policy include determining your coverage needs and getting multiple quotes. It’s important to also acquire quotes from a few different providers before selecting a particular policy.
How can I reduce my insurance costs as a motorist?
Insurance costs can be a significant monthly expense for motorists. However, motorists can get discounts on their auto insurance in several ways.
Possible auto insurance discounts include discounts for good driving records and good student discounts. Vehicle owners could also qualify for discounts by taking part in drivers’ safety classes.
It’s important to put some research into discount options to get the best possible price on auto insurance coverage in Alabama.
Do you have more questions about auto insurance in Dadeville, AL? Get in touch with us at Highpoint Insurance Group to find the answers that you’re looking for.
People that are all over the Overland Park, KS area should look for ways to enjoy the nice summer months of the year. A great way that you can do this is by getting a boat. When you are in the market for your own boat here, you should get a boat insurance plan. There are a few reasons that someone here should get this type of coverage for their boat.
They Want to Comply with Local Rules
People will want to get a boat insurance plan so they can comply with local rules. Anyone that wants to use a boat in Kansas should check to see if their local marina or waterway requires you to have insurance. In many cases, having insurance is a necessity to use the local area. If you do not have coverage, you could be restricted from use.
They Want Coverage
Even if you do not need to have insurance per local rules, having coverage is still valuable. With a boat insurance plan, you will receive coverage that could be used to repair or replace your boat if there is an accident or it is stolen. You will also receive valuable liability insurance coverage, which could provide you with peace of mind while out on the water.
If you are looking for a new boat insurance plan in the Overland Park, KS area, you may find there are a lot of options and decisions to be made. You can ensure you make a good choice by working with HighPointe Insurance Services LLC. The team with HighPointe Insurance Services LLC understands how valuable it is to have proper boat insurance coverage. We can help by answering your questions and finding you an appropriate policy.