Protect Your Most Valuable Asset with Home Insurance

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.

What are Some Classic Car Insurance Policies to Consider?

If you own a classic car like the 1955 Chevrolet Cameo, you must protect it. Whether it’s exhibited in a car show to arouse nostalgia or it’s for beautifying your garage, you will need classic car insurance. However, when it comes to classic cars, you need special insurance because traditional car insurance may be insufficient.

Classic car insurance protects your vintage or collector’s car when on and off the road. Highpoint Insurance Group in Dadeville, AL can assist you with the coverage you need for your vintage vehicle. 

If you are a classic car collector, enthusiast, or owner, here are the insurance policies you need:

Liability car insurance:

Liability car insurance is a requirement in most states, including Alabama. It pays for injuries and damage to others. Liability coverage also pays for legal costs if you get sued after an accident.

Collision and comprehensive policy:

These policies guard your vehicle against numerous risks, including theft, collision, vandalism, riots, falling objects, and much more. Your physical damage coverage pays for the repairs or replacement of your vehicle up to your coverage limit.

Uninsured/underinsured motorist coverage:

It’s coverage that comes in handy when you get into an accident with someone without insurance or an underinsured person. This coverage also saves the day in hit-and-run incidents.

In addition to the above, classic car insurance has optional coverages that can be tailored to your needs. They include:

  • Automotive tools coverage and spare parts
  • Cherished salvage coverage
  • Disabled vehicle coverage
  • No attendance required
  • Restoration coverage

Get Coverage For Your Classic Car Today

A classic car is not just a vehicle but a collection of heritage and memories. Since it’s a significant investment, you don’t want anything to happen to your classic car. And one way of protecting it is by buying classic car insurance. Are you ready to protect your vintage in the greater Dadeville, AL community? Contact us at Highpoint Insurance Group for an affordable quote.

Can I Cancel My Renters Insurance Policy At Any Time?

The answer is that it depends on your particular policy. Some policies allow for cancellation at any time, while others may have specific requirements or conditions that must be met first. The best way to find out for sure is to contact your insurance company and ask them directly. 

At Highpoint Insurance Group, we understand that life circumstances can change and that you may need to cancel your policy at some point. We also know that it can be confusing to try to figure out all the details on your own. That’s why we’re here to help! Our team of knowledgeable insurance experts in Dadeville, AL would be happy to review your policy with you and answer any questions you may have. 

Why You Might Cancel Your Policy 

There are a number of reasons why you might need or want to cancel your renters insurance policy. Maybe you’re moving to a new location where your landlord already has insurance in place. Or perhaps you no longer feel like you need the coverage, either because you don’t have many possessions or because you’ve decided to self-insure. Whatever the reason, if you do decide to cancel your policy, there are a few things you should keep in mind. 

First, most companies require advance notice before canceling a policy. This gives them time to process the cancellation and prevents any lapse in coverage. Second, if you have a claim on your policy that is currently in progress, canceling the policy will not affect the status of that claim. However, it is important to note that once a claim is paid out, the policy cannot be reinstated. 

Finally, it’s worth mentioning that some insurers may charge a cancellation fee, so be sure to ask about that before making a decision. 

Contact Us Today 

Canceling your renters insurance policy is not always as simple as just stopping payment—in most cases, there are specific steps involved, and certain conditions must be met first. The best way to find out what those are is to contact your insurance company directly and ask them. At Highpoint Insurance Group in Dadeville, AL, we’re always happy to help our customers understand their policies and make the best decisions for their needs.

How to Choose the Best Motorhome Insurance Agent for Your Needs

Are you in the market for a new motorhome insurance policy? If so, you may be wondering how to choose the best agent for your needs. While it can be tricky to decide which company is right for you, there are a few things you can do to make the process easier. Highpoint Insurance Group in Dadeville, AL can offer guidance on this important insurance coverage.

Here are some tips on how to choose the best motorhome insurance agent for your needs:

Ask for Recommendations

One of the best ways to find a good motorhome insurance agent is to ask for recommendations from friends or family members who own motorhomes. Chances are, they have already gone through the process and they can give you some insights.

They will also give you a list of good insurance agents they’ve encountered in their search for coverage. This way, you can be sure that you are getting the best possible coverage for your needs.

Research Different Companies

Once you have a few recommendations, it’s time to research different insurance companies. You can read online reviews, talk to friends or family members with RV insurance, or even call around and get quotes from different companies. This will help you get a feel for what each company offers and what they might be able to do for you.

Check Out Their Online Reviews

When looking for a new motorhome insurance agent, it’s essential to check out their online reviews. This will give you an idea of what other people have thought about their experience with the company. It’s also an excellent way to get a feel for their customer service.

You can find online reviews by doing a quick search on Google or another search engine. Just type in the name of the company and "reviews," and you should be able to find what you’re looking for.

Work With the Best Motorhome Insurance Company

Finding the right insurance company for your motorhome can be challenging, but it’s worth the effort. By following the tips above, you can be sure that you’re getting the best possible coverage for your needs.

If you’re looking for motorhome insurance coverage, be sure to check out Highpoint Insurance Group in Dadeville, AL. We are a leading provider of RV insurance in the area and can help you get the coverage you need. Contact us today to learn more about our policies.

Top Tips for Getting the Most Out of Your Motorcycle Insurance Policy

Your motorcycle is your pride and joy. It’s your ticket to freedom on the open road. But what happens if something goes wrong? If you’re in an accident or your bike is stolen, you’ll need to have good motorcycle insurance in place to make sure you’re covered. 

There are a lot of different motorcycle insurance policies out there, so it’s important to do your research before choosing one. Highpoint Insurance Group in Dadeville, AL offer this guide on navigating this important insurance coverage.

Here are a few tips to help you get the most out of your motorcycle insurance policy:

1. Make Sure You Understand the Coverage Options Available

There are a lot of different motorcycle insurance coverage options available, so it’s important to make sure you understand what each one covers. One of the most important coverage options is liability insurance, which will protect you financially if you’re found at fault in an accident.

Other coverage options include collision and comprehensive insurance, which will cover damage to your motorcycle if it’s caused by an accident or theft. You may also want to consider add-on coverage such as medical payments or roadside assistance.

2. Compare Motorcycle Insurance Quotes

Once you know the different types of coverage available, you can start shopping around for motorcycle insurance quotes. It’s important to compare quotes from a few insurers to ensure you’re getting the best deal. When comparing quotes, be sure to look at more than just the price. Also, pay attention to the insurer’s financial stability, customer service record, and coverage options.

3. Read the Fine Print Carefully Before You Purchase a Policy

Once you’ve found an insurance policy that looks like a good fit, read the fine print carefully before purchasing it. This is especially important if you’re buying an online policy.

4. Review Your Policy Regularly and Make Adjustments as Needed

Your motorcycle insurance needs may change over time, so it’s important to review your policy regularly and make adjustments as needed. For example, if you move to a new state or buy a new motorcycle, you’ll need to update your policy.

And if you have any changes in your riding habits, such as taking up long-distance touring or joining a motorcycle club, be sure to let your insurer know so they can adjust your coverage accordingly.

Give Us A Call

As you can see, there are a few things you should keep in mind when it comes to motorcycle insurance. By following these tips, you can ensure you’re getting the most out of your policy.

If you’re looking for motorcycle insurance, Highpoint Insurance Group in Dadeville, AL can help. We offer a wide range of coverage options to choose from, so you can be sure you’re getting the coverage you need. Contact us today for a free quote.

Umbrella Insurance Adds Peace of Mind

There are a lot of ways to have more peace of mind, and umbrella insurance is one of them. If you’re in the Dadeville, AL area and looking for an umbrella policy, Highpoint Insurance Group can help. We understand that good coverage is needed, as it’s what protects you and the people you love. When you choose umbrella coverage options, you can have additional protection that goes above and beyond your standard policies. 

Here’s what you should know about choosing the right policy for your needs. 

Umbrella Insurance: What You Need To Know

First, it’s vital to understand that an umbrella policy isn’t a stand-alone option in most cases. Instead, it’s intended to act as its name implies, like an umbrella that covers everything. If you have home, auto, and other types of policies, they have coverage limits on them. Those limits are the extent of your protection if you need to make a claim. But, with an umbrella policy, you can have additional coverage that can be used if the limits of the first policy are reached. That means more protection and more peace of mind.

If you’re in the Dadeville, AL area and looking for umbrella insurance information and options, we are here to help. We know it can sometimes be confusing to get the right type and level of coverage, and we’re here to make it easier. A lot of people with significant assets, or those who own businesses, choose umbrella policies, but you don’t have to be in those categories to benefit from additional protection. There are a lot of reasons that a policy like this can be a good choice.

Give Us A Call

Reach out to us today at Highpoint Insurance Group, and let us work with you to find the best possible insurance coverage for your specific needs.

FAQs About Watercraft Insurance Policies

Owning a boat or other watercraft can be a great way to enjoy the outdoors and spend time with family and friends. However, it’s important to ensure you have the right insurance in case of an accident or other damage. Highpoint Insurance Group in Dadeville, AL provides some FAQs about watercraft insurance policies to help you make the best decision for your needs. 

FAQs About Watercraft Insurance Policies

1. What Types of Watercrafts Are Typically Covered by Insurance Policies?

The insurer typically determines this, but common types of watercraft usually covered include motorboats, sailboats, jet skis, and pontoon boats. You, therefore, need to check with your insurer to see if your particular type of watercraft is covered.

2. What Does Watercraft Insurance Cover?

Again, this depends on the insurer, but coverage typically includes protection for your watercraft in case of damage or theft and liability coverage in case you injure someone or damage their property.

3. How Much Does Watercraft Insurance Cost?

The cost of your policy will depend on several factors, including the type and value of your watercraft and the amount of coverage you need. You can get an estimate by contacting a few different insurers and requesting quotes.

4. Do I Need Watercraft Insurance If I Don’t Plan on Using My Boat Often?

If you don’t use your boat often, you may not feel the need to have it insured. However, it’s always a good idea to have some form of protection in place in case of an accident or other unforeseen event. Remember, your watercraft still needs insurance even when it’s in storage.

5. Can I Get Insurance for My Watercraft Through My Homeowners Policy?

Some homeowners policies will provide limited coverage for your watercraft, but it’s typically not enough to fully protect you. Getting a separate policy that specifically covers your boat or other watercraft is a good idea.

6. What Are Some Common Exclusions from Coverage?

Most policies will exclude coverage for damage that occurs due to normal wear and tear and any intentional damage you cause. Additionally, many policies will not cover damage that occurs while you are using your watercraft for commercial purposes.

Get Watercraft Insurance in Dadeville, AL

If you own a boat or other watercraft, it’s important to ensure you have the right insurance. Highpoint Insurance Group can help you find the perfect policy for your needs. Contact us today for a free quote.

Understanding Life Insurance in Dadeville, Alabama

If you are looking for information on life insurance in Dadeville, AL, you have come to the right place. In this blog post, you’ll learn what life insurance is and why it’s crucial. We will also provide information on the different life insurance policies available.

What is Life Insurance?

Life insurance is a policy that provides financial protection in the event of the policyholder’s death. It helps ensure that your loved ones are taken care of financially after you pass away. Different life insurance policy types are available, so it’s essential to choose the right one for your needs.

Why is Life Insurance Important?

No one knows when their time will come, so it’s crucial to have life insurance. If something happens to you and you don’t have coverage, your loved ones will have to bear the burden financially. But if you have a policy, they’ll have peace of mind knowing some expenses have already been paid.

For help with the right policy, contact Highpoint Insurance Group.

What are the Different Types of Life Insurance?

There are three main types of life insurance for residents in Dadeville, AL: term, whole life, and universal life.

Term life insurance is the most straightforward and most affordable type of life insurance. It provides coverage for a specific period, 10, 20, or 30 years. If you die during that time, your beneficiaries will receive a payout.

Whole life insurance is more expensive than term life insurance, but it lasts your entire lifetime. It also has a cash value that grows.

Universal life insurance is a hybrid policy that combines the features of both term and whole life insurance. It is more expensive than term life, but it has a higher cash value than whole life.

Learn more about coverage options. Contact Highpoint Insurance Group for a quote today.

What to do after an auto accident

Car accidents, minor ones, are an all too frequent occurrence. If you have the unfortunate opportunity to be in an accident, you need to be prepared, regardless of whether you are at fault. Immediately after a collision, the first thing you’ll want to do is move your vehicle to a safe location that is out of the way of other vehicles. Remain calm while doing so, and use your emergency flashers to alert other vehicles not involved in the accident that they should proceed with caution. Next, check yourself for injuries before moving to any passengers in your car.

If you and the others inside your vehicle are okay and you are in a safe location, exit the car and check on the occupants of others involved and any impacted pedestrians. Even if an injury is only suspected, err on the side of caution by calling 9-1-1 and requesting medical assistance. Depending on the accident’s severity, you can call 9-1-1 or the non-emergency police number to request an officer be at the scene to file a police report and chronicle essential details. 

If possible, you’ll want to have a conversation with the other driver and exchange key information, such as the drivers’ license, insurance cards, and photos of the damage. If you suspect that road rage played a factor in the accident or you do not feel capable of speaking with the other driver calmly, wait for police assistance. 

Contact your insurance company as soon after the accident as possible to begin the claims process. At Highpoint Insurance Group in Dadeville, AL, we know the ins and outs of auto insurance and are always there if you need help submitting a claim. For all your insurance needs, let our team be your trusted source. 

A Look At Common Commercial Insurance Add-Ons

Highpoint Insurance Group is an independent agency. We serve the Dadeville, AL community and the surrounding areas. For over 20 years, we have helped our clients find the coverage they need to protect their assets in every situation. Life is full of unexpected points. Having a strong insurance policy can help alleviate stress and allow you to live comfortably. We work with multiple carriers throughout the South. This allows us to meet the needs of our clients regardless of what they are looking for.  We look forward to serving you.

Common Commercial Insurance Add-Ons

The Dadeville, AL community is a competitive marketplace for local businesses. If you are a local business owner, you are constantly looking for ways to gain a competitive advantage. Having a strong commercial insurance policy can help you stand out. Commercial insurance protects your business in multiple ways. The policy protects all of your inventory and equipment in the event that it is damaged or stolen. You are also covered if your business is impacted by a natural disaster or accidental fire. Liability coverage is a major part of your policy. Interacting with your customers exposes you to potential risks. You are protected if one of your customers is injured while visiting your property or if they allege that your products caused them harm.

You also have the ability to add some unique coverage to your policy. Business interruption coverage is popular. Business interruption coverage protects your business if you have to cease operations temporarily due to a natural disaster or other covered loss damaging your business. Cyber liability coverage is another popular add-on. With so many transactions taking place online today, cyber liability coverage protects your business if you suffer a data breach.

Highpoint Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about commercial insurance.