Does Home Insurance Cover Guests?

Home insurance is an essential part of anyone’s home owning experience. With the right policy, you can be fully covered from just about any event that may befall your home. That being said, home policies cover more than you might imagine they would include. For those that live in the Opelika, AL area, the agents with Elliott & Associates Insurance can help you determine what policy works best for you.

What to Consider with Home Insurance

A great thing to consider is what your home policy covers. For the most part, it simply makes sure that your home is safe, it also, however, helps to cover the people in the home as well. This means that to a certain extent, guests are included in your home insurance policy. They are covered in that if they are invited into your home, and should someone become injured on the property, they can file a claim against your insurance to help pay for the cost of their medical bills.

There are special circumstances, however, that must be met to be able to use this type of policy. You must have some sort of coverage on your policy, and you must be able to prove that the injury occurred on the insured property and not because of some sort of negligence. It may also cover the belongings of a guest should something happen to your home while you have people there. You should take the time to make sure that your policy covers guests if you have them often.

For those in the Opelika, AL area, the agents with Elliott & Associates Insurance can help you to find the perfect policy with just the right amount of coverage and the correct contingency to make sure that your policy is going to cover any guest you may have. Contact our offices to learn more and get a quote.

Important considerations before purchasing a classic car policy

If you are considering purchasing or have recently purchased a classic car in the Auburn or Opelika, AL area, it is vital that you purchase an insurance policy that covers the unique ownership aspects of a classic car. A specialist at Elliott & Associates Insurance would be happy to meet to discuss your classic car insurance needs.

The first consideration is the amount of coverage you will need. Unlike a traditional car policy that covers the actual value minus depreciation, a classic car typically increases in value over time. Under a classic car policy, you will work with your insurance specialist to come up with a mutually agreed upon value to insure.

Classic car coverage has many of the same coverages as a traditional policy such as liability, collision, and medical payments. However, there are some additional coverage options you need to consider. For example, under roadside assistance coverage, the policy should include flatbed towing to limit the damage in the event it needs to be towed.

Another important consideration while shopping for a classic car insurance policy is to make sure the types of activities you plan to engage in with the car are covered. Many insurers will not cover the car if you plan to use it as a primary vehicle such as using it to get to work. Insurers often restrict the number of miles one can put on the car each year. If you plan on attending an auto show that will exceed the limit, you will need to speak with your insurance specialists for additional coverage.

No matter if you are new or old to classic car ownership, it is vital to make sure your investment is protected. If you live in the Opelika, AL area,  please reach out to an insurance expert at Elliott & Associates Insurance today!

Winter Tips for RV Maintenance and Care

Owning an RV will make for a great way to vacation. Instead of having to invest a ton of money into a hotel, you and family can enjoy riding around in style and having a comfortable place to lay your head no matter where you are. With winter right around the corner, it’s imperative that you understand how to take care of your RV. Elliott & Associates Insurance serving Opelika, AL has put together a short list of tips you can follow to ensure you take care of your RV this winter. 

Check the Water System

If you have yet to drain the water system on the RV, you need to do so as soon as possible. The weather is never predictable and you don’t want the water in the RV freezing. If there is any water left at all in the RV’s plumbing, it could freeze and bust lines and fittings during the winter. 

Store in a Safe Location

If you don’t have a garage at home to store the RV for the winter, you’ll need to invest in a storage unit that’s big enough to park it in. Ideally, you’ll want to keep it out of the harsh winter elements, including snow, rain, and wind.

Disconnect the Batteries

After storing the RV, make sure to disconnect the batteries and keep them in a cool and dry place for the winter. Don’t put them in a place where the temperature is going to get below freezing but a cool place is excellent because it helps preserve the life of the battery.

Want to learn more about taking care of your RV this winter? Contact Elliott & Associates Insurance serving the Opelika, AL area.

What Does Renters Insurance Cover?

If you rent an apartment or house, your landlord’s homeowner’s insurance does not cover your belonging in the case of theft, fire, or any other event. If you need to protect your belongings, consider a renter’s insurance policy. You can contact your Elliot & Associates Insurance agent in Opelika, AL for help in determining what policy options are available to you. In the meantime, here’s some basic information to get you started.

What is Renter’s Insurance?

Renters insurance covers your property when you rent a house or apartment. It works like a homeowner’s policy except that it covers you as a tenant and is not a part of your landlord’s insurance policy. Instead, if you need coverage for your belongings, you have to take out a separate policy.

What Does Renters Insurance Cover?

If the actual building or home is damaged, your landlord’s insurance covers it. Your renter’s insurance pays for lost or damaged property you own located in the rental unit.

Does Renters Insurance Cover Water Damage?

Renters insurance doesn’t pay for flood damage. However, a burst pipe that ruins your furniture or other belongings would be covered up to the policy’s limits. Renters insurance is a good idea if you have valuable artwork or rare items that would be expensive to replace.

What is Apartment Renters Insurance?

Renters insurance gives you the peace of mind that your belongings will be replaced in the event of unexpected damage or injury. Renters insurance pays to restore or replace clothes, furniture, electronics and other items that are damaged or stolen.

Contact Us

Contact Elliot & Associates Insurance in Opelika, AL today for more information or to set up an appointment for a free consultation and quote.

 

 

 

5 Safety Tips for New Motorcycle Riders

If you’re new to motorcycle riding, you’ll want to take every precaution to stay safe on the road. Riding safely protects you and those around you. The following safety tips can apply to both new and experienced riders.

Take a Course on Motorcycle Safety

Motorcycle safety courses provide valuable input for new riders. They give you a chance to hone your riding skills, learn how to handle emergency situations and become familiar with traffic laws in your state. You’ll also learn safety tips that can help you be a better rider. Even experienced riders can benefit from a refresher course on motorcycle safety.

Choose Your Bike Wisely

Motorcycles vary in type, size, and power. As a newbie, you should stick to a bike you can handle, taking into consideration your limited abilities and skills. Once you’ve gained experience, you can always invest in a more powerful model.

Inspect Your Motorcycle Regularly

Before you hit the road, take time to inspect your motorcycle to make sure everything’s working properly. Check the brakes, lights, mirrors, and tires. A basic inspection won’t take long and could save you from having an accident.

Wear Safety Gear

If your bike is your main form of transportation around Opelika AL, you should invest in proper clothing for riding. First and foremost, get a full-face DOT approved helmet. You can also consider buying motorcycle gloves, boots, and pants. A leather jacket offers protection against the elements and could save you from road burns in the event of an accident.

Avoid Inclement Weather

Whenever possible, avoid riding your bike in bad weather. If the forecast calls for rain, sleet, or snow, leave your bike at home.

Don’t forget to get motorcycle insurance from Elliott & Associates Insurance in Opelika, AL before hitting the road. To learn more about insurance options and costs, contact an agent from Elliott & Associates Insurance.

Boat Insurance Basics

At Lake Martin, owning a boat means that you, your family, and friends will have hours of fun on the open water. Whether it is time spent enjoying nature or fishing, boating is enjoyable for the whole family. Owning a boat, however, is a big responsibility, so you want to protect it and yourself with the appropriate amount of insurance. There are not only the risks that you encounter while on the water, but there are also those when you are transporting the boat to and from the water.  While boat owners want to protect their investment, it can be difficult to wade through the myriad of options available to boat owners. How do you know which policy is right for you? The team at Elliott & Associates Insurance are the experts in boating insurance. They will talk to you about the type of watercraft you have and how you use it. This will help them to steer you toward the insurance policies that best suit your needs.

As boats are expensive to repair or replace if there is an accident, you want the peace of mind that you have the coverage you need should an accident occur.  Though not required by law, having liability coverage is essential if there is an accident or property damage in an accident where you are deemed to be at fault.  Policies can also cover events such as oil spills from your boat, if your boat sinks, is stolen, or vandalized. To help you through the policy options, talk with your agent at Elliott & Associates. With their knowledge of boating in the Opelika, AL area, they will ensure that you have the right coverage. Give them a call or visit today to discuss your options for the coverage you need!

Can Someone Please Give Me a Clear Explanation of Umbrella Insurance?

When you invest in insurance policies, you will at first need to decide which types of policies you need. If you are the owner of a vehicle, then you need to get an auto insurance policy. You will need to choose an insurance company, like Elliott & Associates Insurance serving Opelika, AL, to make sure you are fully covered. Another type of insurance you may want to consider buying is umbrella insurance.

What is umbrella insurance?

Many people are confused when they hear the term umbrella insurance. Either they have never heard of it before, or they don’t understand what it is. Thankfully, though, it’s not that difficult to understand once you have someone give you a simple explanation of it.

This type of insurance is a form of extra liability insurance. It does not stand as a type of insurance by itself. Instead, it serves the purpose of paying out benefits if your regular policy is exhausted. For example, if your auto policy reaches its limit of paying out $25,000 for bodily injury. If your medical bills exceed this amount, an umbrella policy could be of the utmost benefit. It can also be used with home insurance, commercial insurance, and many other policies. It can also help you with liability and lawsuits should they arise.

Many people think that umbrella insurance is really expensive. What they don’t realize is that this insurance is not just for the wealthy. If you would like to learn more about the benefits of purchasing umbrella insurance, please contact Elliott & Associates Insurance serving the Opelika, AL area today.

How Likely Is A Flood In Alabama?

Southern states do not have it easy when it comes to flooding risks. Being this close to the Gulf of Mexico means that every Summer you need to have one eye on the weather reports so that you’ll be prepared come hurricane season. In Alabama, we can even see flooding well outside of hurricane season. Parts of the state were on warning as early as February of this year. Flooding is one of our chief environmental hazards in Alabama. It’s always going to be a concern, so it’s important to be prepared.

Preparing for Hurricane Season

Being prepared means having an evacuation plan should the next hurricane season be a rough one. Having friends you can stay with should something happen is important, as is making sure that you have flood insurance. Elliott & Associates Insurance can help to make sure that you are covered in the event of flood damages, but no matter who you get covered with, make sure to get covered.

From Auburn to Opelika, AL, the humid climate, and natural surroundings can make flooding particularly disastrous. It can take weeks to dry out a home that has been hit by flooding. This is not to say that you will definitely be hit by a flood at some point or other, but you are always going to be at a higher-than-average rate of risk for flooding. Call Elliott & Associates Insurance in Opelika, AL, have a backup plan, and be ready should your home wind up a casualty of hurricane season. Our agents are standing by to talk to you about how you can start your flood insurance policy.

More People Qualify for Life Insurance Than You May Think

If you are older, that doesn’t mean you don’t qualify for life insurance. While age does play a small role in the process, a life insurance company tends to focus on your health. Even if you do have a few health problems, you may still qualify for life insurance from Elliott & Associates Insurance in Opelika, AL.

Your Medical Background 

During an examination, you’ll have to ask questions regarding your medical history, such as any surgeries you’ve had or any medications you take. You’ll also need to reveal any nonprescription medications you take. Keep in mind, you take blood and urine tests, so honesty is vital because anything you don’t admit to could show up during your test.

Body mass index (BMI) plays a role in whether you qualify for a life insurance policy and what your rate is. A higher BMI means you’re overweight and more prone to certain life-threatening health conditions.

Medical Testing 

During your exam, you’ll need to have your blood pressure and pulse taken to help detect any cardiovascular issues, including hypertension. A higher pulse could indicate a hormonal imbalance or another serious condition.

After having your vitals taken, you’ll then have to undergo a saliva and blood tests as well as a urinalysis. These tests help detect any health conditions like hepatitis. The entire process determines the quality of your overall health. Many minor conditions don’t affect your overall health and therefore doesn’t play a role in you obtaining a life insurance policy. Depending on the condition, it might not change your rate much, so before you think you’re not healthy enough for life insurance, at least have the physical conducted.

For a quote for life insurance and to discuss your eligibility, contact Elliott & Associates Insurance in Opelika, AL by calling 334-745-0888.

How to Tell if You Need Commercial Insurance for Your Business

Owning a business is something that is very exciting and exhilarating. However, it can also be very stressful. As a business owner, you want to do everything that you can in order to protect your business from anything possible. There are a lot of things that you can do to provide this kind of protection. However, the best thing you can do for your business in Auburn or Opelika, AL is get a commercial insurance policy from Elliott & Associates Insurance. If you are still not sure whether you need a policy or not, consider some of the benefits and reasons below.

Commercial Insurance for Your Business

The great thing about a commercial insurance policy is that they are all unique and made to fit the specific needs of the business. That means that a commercial policy that you get will be made for your business and provide all of the types of coverage that you need. A commercial insurance policy will also not only protect your business from things like a fire or a burglary, it can also protect you from your employees and also protect your employees in the process. It is the type of insurance policy that is multi-faceted and made to protect you from all kinds of things that can happen. You do not want to get caught without this type of coverage because without it, and there are things can destroy and/or bankrupt your company in the blink of an eye.

Now that you know how important a commercial insurance policy is for your business, you need to get one in place as soon as possible. Be sure to reach out to us here at Elliott & Associates Insurance, serving Auburn and Opelika, AL, today. We can provide you with a free quote and will make sure that your policy meets your needs and your budget.