In Alabama, all drivers must have at least a bodily injury and property damage liability insurance policy in place to legally drive a motor vehicle. If a person drives without at least that level of insurance protection in place, they can be subject to very expensive fines and even jail time.
If you have an active loan for the vehicle you purchased, you may be required by your lender to have even more insurance in place and if not, it can be a good idea to have more auto insurance coverage to provide you with the security and peace of mind you deserve. The auto insurance agents at the Align Insurance Group in Spanish Fort, AL are stressing the importance of having an auto insurance policy in place.
There are several different coverage options when it comes to auto insurance and below is a detailed list of the main types of coverage.
What if you wake up one morning and discover that your vehicle has been stolen, a comprehensive auto insurance policy will help you replace your vehicle. This type of coverage will also help you to replace or repair your vehicle if it is damaged or destroyed by an act of vandalism, a fire, or a natural disaster.
If you collide with another vehicle while driving your car, truck, or SUV or if you accidentally back into a building or some other object, collision auto insurance coverage will help you pay for any damages that were caused by the incident.
It is very important to have the proper auto insurance in place to protect your vehicle and yourself from liability or damages. To secure the right auto insurance policy for you and your situation, contact the experienced and trusted auto insurance agents at the Align Insurance Group in Spanish Fort, AL today for all of your insurance needs.
There are more than 31 million small businesses in the United States. Just about half of them are home-based businesses, making the figure 15 million home businesses. It is a popular choice. Start-up costs are much more affordable with a home business, making them an attractive option. You may feel that since your business is in your home, you can get away without commercial insurance. That is a mistake. At Align Insurance Group in Spanish Fort, AL, we are an independent agency that promises to put our customer’s interests first.
Home insurance is not designed to protect a home business. The contents coverage will not protect your business’s interests in the same way that commercial property insurance will. It may give you very limited coverage, but that won’t be enough to keep your business operational if you are hit by a covered hazard. Home insurance won’t cover inventory or business machinery.
The biggest area where you may get into trouble with not having commercial insurance is with liability coverage. Your home insurance won’t cover injuries to people who are visiting your home for business reasons. You also need liability protection from clients, vendors, and even employees. None of these will be covered by home liability protection and you could even lose your home insurance coverage because of it.
If you are using a vehicle for business, you need to have commercial insurance on it. Personal auto insurance doesn’t cover the business use of your vehicle. It is always a good idea to keep your personal finances separate from your business finances.
Your home insurance offers plenty of personal coverage, especially if you have updated coverage, but it is not designed to provide the business coverage that a home business requires.
Contact Align Insurance Group in Spanish Fort, AL when you are ready to discuss your commercial insurance and your home business.
Home insurance is a must if you own a home. Not only is it extremely important protection, but it also is usually required by your lender if you have one. If your home is paid off, you still need to have this protection in place in case the worst should happen. If you need home insurance, call us at Align Insurance Group in Spanish Fort, AL to find out more.
One of the most important types of coverage in a home insurance policy is coverage for the dwelling itself. If there were to be a serious accident, disaster, etc., repairing and/or rebuilding can be extremely expensive. It would be very difficult for most people to pay for it without home insurance. However, if you have your policy in place, this damage and the repairs it requires can be paid for by the policy.
Not only is your dwelling covered by this policy, but everything inside is also covered. If a catastrophe, accident, or disaster were to destroy your possessions or badly damage them, your home insurance would cover them. Having this protection can help greatly if expensive items are ruined or a large number of your possessions are destroyed. The policy can pay for you to start replacing the items that were lost rather than you having to start out again with nothing.
If a person were to have an accident or fall ill in your house, you could be judged to be liable for the incident and responsible for the medical bills. Home insurance comes with liability protection to pay those medical bills if this were to happen.
Get Your Home Policy
If you own a home and need home insurance for it, call us right away at Align Insurance Group in Spanish Fort, AL.
You spend a lot of time and money purchasing your recreational vehicles and other RV properties such as boats, scooters, bikes, motorcycles, and more. You spend even more time enjoying them with your family and friends. Why not make sure you have the proper amount of coverage for the things you love? If you are in Spanish Fort AL, Align Insurance Group is your go-to insurance company for insuring your RV properties.
Insurance Requirements for RVs in Alabama
Only drivable RVs such as campers, road-legal vehicles, and other drivable properties need insurance. These types of vehicles need the following kinds of coverage, according to Alabama state law:
- Liability- protects you from injury or damage to others
- Collision-protects your drivable vehicles from loss
- Comprehensive-gives you insurance coverage for drivable RVs in the case of fire, flood, hazard, or vandalism and other events
Other RV properties do not have mandates on insurance in the state of Alabama. Vehicles that are towed by another vehicle also are not required to be insured. But if you don’t insure them, you will have to pay out-of-pocket if something happens to them.
Theft, vandalism, and storm damage are just a few examples of the types of events that can occur that can damage or destroy your beloved recreational vehicles. Most RVs cost quite a bit, so why would you not want to make sure they are covered?
Why Align Insurance Group?
Align Insurance helps you protect the things you love by offering quality insurance for RVs. Then, if something happens, you will have the funds available to pay for repairs without any money out of your pocket.
In Spanish Fort, AL, we are your one-stop for recreational vehicle insurance. Don’t wait too long to get protection for the things you love. Protect your investment by calling on Align Insurance Group for more information. We are here to help anytime.
Every motorhome owner priorities security from theft, and you are not an exception. The saddest reality is that theft is inevitable as you can lose your recreational vehicle or the valuable gadgets contained inside. Fortunately, if you live in Spanish Fort, AL, you can trust Align Insurance Group by purchasing motorhome insurance from them. The policy covers all sorts of theft. Read through to understand the basics of insurance policies that you need to consider.
Types of Coverage Relating to Motorhome Theft
Personal Appliances Policy
Some motorhome insurance options have a limit when it comes to covering your motorhome contents. In some instances, the policies may not compensate for stolen gadgets or parts only. They only cover a stolen motorhome, including its contents. Scrutinize the agreement form before signing to know the terms. If necessary, consult your insurance advisor to learn the best option.
The policy covers theft and vehicle damages, but it does not compensate for collision. It protects your vehicle plus everything contained inside, including emended tech-gadgets like TVs and sound systems.
Sound Equipment Policy
Some motorhomes feature expensive sound gadgets that require ultimate protection from theft. Buy a policy that can compensate you fully in case theft occurs. However, most insurances offer limited coverage to such equipment. Educate yourself about the extent that your policy is like to cover before accepting the terms. Some institutions do not shield sound systems, and you must find if your agency has that provision first.
Conduct investigations to know what your policy covers against what it does not cover before you start celebrating. Do not purchase any insurance blindly, lets you get disappointed when a theft has occurred, forcing you to pay for a replacement from your savings. You may get an alternative transportation option as you wait for your compensation if your motorhome gets stolen.
For any insurance queries on your motorhome coverage in Spanish Fort, AL, contact Align Insurance Group through our website today, and learn more.
"Do I need RV insurance?" This is a common question that many current and potential RV drivers have? Align Insurance Group of Spanish Fort, AL is dedicated to educating RV owners and erasing any confusion surrounding the requirements. For the most part, the question regarding the necessity of RV insurance is a simple one to answer.
Do I Need RV Insurance?
The short answer to this question is yes and no. If you operate an RV or motorhome with an engine, you are required to carry liability insurance. In some situations, you may be required to carry more. If you are leasing or buying an RV or motorhome, you may be required to carry collision insurance as well. These requirements make sense when you consider the fact that a driveable RV is actually a mobile vehicle, as well as a home on wheels. The possibility of accidents, wrecks, property damage, and injury to others are all possibilities. As a result, RV and motorhome operators must at least carry liability insurance. Alabama state law requires insurance on motorized RVs that fall into the following categories:
- Class A
- Class B
- Class C
- Bus Conversion
When ISN’T RV Insurance Required?
RVs that are non-motorized and are towed rather than driven don’t require insurance unless you are leasing or buying your RV and your lender requires it. Drivable RVs need liability, comprehensive, and collision coverage just like an automobile. Alabama law has no insurance requirements for trailers that are towed behind a vehicle. Alabama operators that have questions about the best insurance coverage should call our team at Align Insurance Group of Spanish Fort, AL. We’re here to patiently answer all of your questions and eliminate any confusion you may have about RV insurance.
Many people enjoy the peace and serenity they get while riding on their motorcycles. To achieve that, you will want to ensure that you have the proper motorcycle insurance coverage for your bike. The agents at the Align Insurance Group in Spanish Fort, AL can help create and provide you with a motorcycle insurance policy that will put your mind at ease.
Motorcycle Insurance Requirements in Alabama
In Alabama, all drivers, including motorcyclists, must have a liability insurance policy in place. If an accident happens, liability motorcycle insurance will cover the medical bills of any for others involved in the crash along with any damage to their vehicle.
Underinsured or Uninsured Coverage
If you get into an accident that is the fault of someone who does not have any insurance or not enough to cover everything, you will be glad you have underinsured or uninsured motorist coverage in place since it will pick up the slack.
Comprehensive and Collision Motorcycle Insurance
Comprehensive motorcycle insurance will cover any damage to your bike caused by vandalism, a natural disaster, or a fire. This type of motorcycle insurance coverage will also replace your bike if someone steals it. Collision insurance covers any collision you are involved in with a car, truck, or SUV as well as an object.
Obtain Coverage Today
Motorcycle insurance is important in protecting yourself, your bike, and any passengers on your bike if you are involved in an accident, so do not get caught without it. To get your motorcycle insurance policy started today, contact the experienced and trusted agents at the Align Insurance Group in Spanish Fort, AL.
While boat insurance is not required in the state of Alabama, you will want to protect your beloved boat or watercraft by obtaining an insurance policy. The boat insurance agents at Align Insurance Group in Spanish Fort, AL know and understand the necessity and benefits of boat insurance and are here to help you.
Boat and Watercraft Insurance Coverage Options
There are several different boat insurance coverage options to protect your boat or watercraft did you spend time and money purchasing.
Liability Boat Insurance
Liability boat insurance will help pay the medical bills and time off of work for anyone injured in a boating accident that you may cause. This type of policy will also cover property damage that occurs during an accident. Liability insurance also extends to any injuries suffered by your passengers on your boat or watercraft during an accident.
Comprehensive boat insurance coverage will replace or repair your boat if it is damaged or destroyed by a natural disaster, in incidents of vandalism, or a fire. It will also replace your boat or watercraft if it is stolen.
Collision boat insurance will cover your boat or watercraft if you collide with another boat or watercraft or an object. For instance, if you hit somebody’s boat dock with your boat or watercraft, this type of coverage will repair the dock.
To get your policy started, you will need to enlist the assistance of an experienced boat and watercraft insurance agent like the ones at Align Insurance Group in Spanish Fort, AL. Call for an appointment or quote today, so you will be on your way to having peace of mind while out on the water.
Those who live in the Daphne, AL area need to take their personal insurance needs seriously. One form of insurance that people need to make sure they have plenty of is personal liability coverage. One way to ensure that you are properly insured is by getting an umbrella insurance plan. There are several reasons why you should get an umbrella insurance plan when you are in this area of Alabama.
Coverage for Unforeseen Events
It is important that you get proper insurance coverage for your home and car. These policies offer some personal liability coverage, but generally, the protection only covers somewhat predictable risks, including car accidents or accidents in your home. If you get an umbrella policy, you will get coverage for difficult events. An umbrella policy has much more blanket protection and covers many types of liability claims.
Coverage for Larger Claims
It would be best if you also got an umbrella plan to give you coverage for larger claims. If you ever are at fault in an auto accident, you will receive liability coverage up to your policy limit. While this is helpful, there is a chance that the damages are greater than your policy coverage. In these situations, your umbrella policy will give the additional coverage that you need to cover any claims.
When you are in the Daphne, AL area and are looking for an umbrella policy, it would be a good idea to call Align Insurance Group. Many important factors need to be considered when choosing an umbrella plan. The team with Align Insurance Group can help you build a plan that will provide you with the proper protection for your situation.
People that move to the Spanish Fort, AL area need to consider purchasing their own home. If you are a property owner here, the growing population and strong economy could encourage long-term price appreciation. To ensure that your investment is properly covered and protected, you should consider getting flood insurance. This is a unique form of coverage that is needed in many situations. There are a few scenarios in particular when someone needs to have this coverage.
When Concerned About Flood Risk
A situation when you may need to have flood insurance in the Spanish Fort area is when you are concerned about flood risk. There are many large waterways in this area of the state, which could cause flood damage during some bad storms. Most of the time, the protection you would receive with your home coverage is limited to flood protection. When you get a full flood insurance policy, it will give the coverage needed to offset this risk.
When Located in a Flood Zone and a Mortgage Borrower
Those that purchase a home here may find that their mortgage lender will require that they carry flood insurance. If you have taken out a mortgage and you live in a designated flood zone, your lender may require that you carry a full flood insurance policy at all times. Usually, your policy will need to be approved, and payments will be escrowed.
Those in the Spanish Fort, AL area need to make sure that they are properly considering their flood insurance needs. When looking for a new policy in this area, it would be wise to call Align Insurance Group. The team with Align Insurance Group can help you assess your needs and build your next policy.