What Happens If You Don’t Have Renters Insurance?

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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.

Benefits of Motorhome Insurance

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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 Theft and Insurance Coverage

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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. 

What Type of Features Should I Look for in My Boat Policy?

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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.

Life insurance FAQs

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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.

Three frequently asked questions about auto insurance coverage

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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. 

Why should someone get a boat insurance plan in Kansas?

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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. 

Who should get home insurance in Alabama?

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The Dadeville, AL area has continued to be a great place for people to own a home. If you are going to purchase a home here, you will want to know that it is protected. One of the best ways that anyone can easily protect their home is by getting home insurance. There are many situations when getting a home insurance policy will be a good idea for people in this area of Alabama. 

Those that Want to be Protected

One situation when someone should get home insurance for their property is when they want to be protected. There is no better way to protect your valuable assets than by getting home insurance. When you get this type of coverage, it will provide you with the protection needed to repair or rebuild your property if it is damaged. Additionally, you can receive coverage to repair or replace your personal assets and give you liability protection. 

Those Looking to be in Compliance

You should also get home insurance if you want to comply with all of your obligations. Those who take out a mortgage or live in a home association will have different home insurance requirements. When you get the right coverage, you will be able to stay in compliance with these obligations. 

If you are going to purchase a home in the Dadeville, AL area, you should call the Highpoint Insurance Group team. Many factors need to be considered when looking for a new home insurance plan. If you are looking for a new policy here, it would be wise to call Highpoint Insurance Group as they can offer you the services needed to understand your needs and options. This will ensure you pick a policy that properly protects your home. 

What type of vehicle is considered a classic car and what are the benefits of classic car insurance?

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Most drivers carry car insurance designed for non-classic cars. In other words, these cars are usually driven daily and tend to be less than fifteen or twenty years old. As a result, many people may not be aware of what classic car insurance is and which cars would be classified as classic. Our team at Highpoint Insurance Group in Dadeville, AL understands that many people don’t fully understand classic car insurance, and more detail may be needed to create understanding. Alabama residents who own cars that might be considered classic can benefit from exploring this type of insurance and all that it provides. 

What is a Classic Car?

A classic car is a car that is at least nineteen years old, in mint condition, and of greater value than other cars of the same age make and model. Typically, classic cars are between twenty and forty years old. However, the age of a classic car is often debated, with some people considering a classic car to be ten years old or older. Classic cars are not usually used on a daily basis and typically driven 2,500 miles a year or less. 

What is Classic Car Insurance and What Are the Benefits?

Classic car insurance is designed to cover classic cars that fit the above-listed description. However, classic car insurance differs from regular insurance. Regular car insurance is designed for cars that are driven daily. If you have an accident as a daily driver your car is assessed at its current value. Classic cars are insured for their agreed-upon value at the time the insurance was started. If you have an accident, you will receive the total agreed value of the car. Classic cars can only be driven 2,500 miles or less per year. As a result, insurance for classic cars tends to cost less. This is because the car isn’t driven daily, and the car’s condition is usually well beyond average. Insurers also assume that classic car owners are going to be more careful than average and that the car will be well maintained.

Other Considerations…

Drivers should also note that classic insurance companies often have rigid guidelines and standards. For example, some companies may require classic car owners to submit annual odometer readings if there are strict annual mileage requirements. In general, the perception is that cars driven infrequently pose less of a risk for accidents and damage. We’re here to answer any and all questions you may have about classic car insurance. Give us a call. 

 

Why should I get renters insurance?

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Anyone moving to the Dadeville, AL area will have many different housing options to choose from. One great option to consider would be to rent a home. Those that rent do not have nearly as many responsibilities as property owners and will have more flexibility. However, those that rent an apartment or other home still need to consider their insurance needs. There are several reasons why someone should get a renters insurance policy. 

Insurance is Required Under Lease

One reason you will need to get a renters insurance policy is that it will be required in your lease agreement. Any sophisticated landlord will have a provision in their lease that requires all tenants to get a renters insurance policy. They want tenants to have this coverage as it helps to mitigate some risks that come with being a landlord. In many cases, you will have to pay for a year’s policy up front before moving into your new home. 

Insurance Gives Important Protection

Another reason that you should get a renters insurance policy is that you can receive valuable coverage. Whenever you rent a home, there is going to be a chance that you could be found liable for an accident that causes bodily injury or property damage. The best way to mitigate this risk is by getting renters insurance, as it will include liability coverage. This insurance also protects your personal belongings. 

If you are going to rent a home in the Dadeville, AL area, you need to consider your insurance needs. The team at Highpoint Insurance Group can help you better assess your renter’s insurance needs. Highpoint Insurance Group will help you understand your needs and options, which will make it easier for you to pick an ideal policy.