Those that are in the Opelika, AL area and are looking for a fun mode of transportation could find that a motorcycle is a great option to consider. A motorcycle can be a great option as they are efficient and fun to drive. Further, the warm weather most of the year here makes them a practical option. Along with your motorcycle, you also need to choose a proper insurance plan. This coverage can protect someone in several ways.
Give Coverage for Asset
A form of coverage that motorcycle owners will enjoy having is coverage for their assets. If you are going to buy a motorcycle, you will want to know that you can enjoy it for a long time into the future. If you invest in a motorcycle insurance plan with full coverage, you will have the support that is needed to replace or repair it following a variety of negative situations.
You can also enjoy a motorcycle insurance plan because it will offer liability support. If you want to drive a motorcycle, there is a chance that you will cause an accident. Unfortunately, if this does happen you can be responsible for all damages. If you have the right insurance coverage in place, you can mitigate this risk as you will also have liability protection.
Picking a motorcycle plan is always an important decision. Those that are in the Opelika, AL area and want to get this insurance coverage will benefit from the support and guidance that is offered by Elliott & Associates Insurance. There will always be a benefit to having this coverage and Elliott & Associates Insurance can make the process of choosing a plan easier for you. They can help by answering all of your questions and giving the guidance you need to choose a plan.
Having adequate flood insurance is really important for those who own homes in Opelika, AL. We can help you meet your flood insurance needs at Elliott & Associates Insurance.
The following are three things you might not already know about flood insurance.
Flood coverage isn’t usually included in a home insurance policy.
Perhaps the most important thing to know is that a standard home insurance policy won’t provide coverage for flood damage. That’s why it’s very important for many homeowners to invest in flood insurance coverage.
Read the fine print of your home insurance policy. Most likely, you’ll find that coverage for flood damage is excluded.
You may be required to purchase flood insurance according to mortgage terms.
A lot of mortgage providers require that their borrowers invest in flood insurance coverage for the properties they buy with their mortgage loans. Mortgage lenders do this in oder to protect the investment they’ve made in the properties that their borrowers buy.
You don’t want to neglect to purchase key insurance coverage required by your mortgage lender. That’s why it’s so important to make sure that you’re familiar with the insurance coverage requirements of your mortgage lender.
You could qualify for subsidized flood insurance.
The government subsidizes flood insurance for homeowners whose properties are located in areas that are considered to be especially high risk for flooding. It’s important to look into government-subsidized flood insurance options when you’re on the market for the right flood insurance policy.
You can learn more about flood insurance in Opelika, AL by getting in touch with us today. Contact us at Elliott & Associates Insurance to find the answers you’re looking for to your flood insurance questions.
Short term rentals insurance is designed to cover your home in the event a short term renter causes damage to it. At Elliott & Associates Insurance in Opelika, AL, we understand how important the right coverage is. We take pride in getting our policyholders the right coverage for their needs.
Does Home Insurance Cover Short Term Rentals?
Generally speaking, your homeowner’s policy doesn’t cover short term rentals. Short term rentals are considered a commercial venture, and that’s not what homeowners insurance is designed to cover. Many policies will cover "occasional" short term rentals, but you will need to call the company and discuss the meaning of "occasional" with them. Some companies also require notice before you rent your home to provide coverage.
Can I Get Short Term Rentals Insurance?
You can likely get short term rentals insurance if you are following all the laws and regulations regarding short term rentals. If your area doesn’t allow short term rentals, no insurance policy is obligated to cover you. If there are licensing requirements or limits on how often you can rent, you will need to be in compliance with these as well.
Do I Really Need a Separate Policy?
Some homeowners or renter’s policies may offer a rider to provide short term rentals coverage. However, if you plan on frequently providing short term rentals, you may want a policy designed specifically for them. Be sure to check coverage limits, exclusions, and limitations before you choose a policy.
Providing short term rentals can be lucrative, but uncovered damages could quickly add up to more than your profits. It’s important to be sure that you are properly insured before offering short term rentals in Opelika, AL. Contact Elliott & Associates Insurance today, and we will help you determine the best policy for your needs.
Residents in Opelika, AL should find out if their home is in a flood plain before deciding to turn down the option of purchasing flood insurance. At Elliott & Associates Insurance, the agents can assist home and business owners in finding out if the property they own is at risk for flooding during severe storms. Having the right type of insurance in place will protect them from potential financial loss if the unthinkable occurs.
Where Is the Nearest Water Source?
If you are worried about being in a flood plain, your first step should be to find the nearest body of water. This can include rivers, streams, lakes, ponds, and drainage ditches. Just because your home or business is on elevated land, it doesn’t mean it can’t be affected by floodwaters. If you live in a low-lying area, it may not take much water to overflow the banks of whatever body of water is nearest to your home. It’s essential that you know different ways to protect your home from minor flooding. This can be keeping your drains clear and removing lawn debris from your ditches.
Find Out if Your Home Is in a Flood Plain
To find out if your home is in a flood plain, you can call your local FEMA office or talk to your insurance agent. Most agents know how to find the information you need to determine where the closest flood plain is to your home. Having that information will allow you to make an informed choice when it comes to buying flood insurance for your home.
At Elliott & Associates Insurance, the agents have the information that Opelika, AL residents need if they have concerns about living in flood-prone areas in Alabama. Talk to an agent today!
For those renting a residence, it is always best to take the time to consider the proper insurance coverages for your particular situation. You can find the right renter policy to help you make sure your possessions are protected even if you are dealing with a catastrophe in your rental space. For those that live in the Opelika, AL area, the agents with Elliott & Associates Insurance can help you to find the right policy for your rental space.
Renter’s insurance does a few different things starting with protecting your possessions if there is a fire or other disaster in which your possessions are destroyed. Though you do not have to have any sort of insurance on the property itself, it is always beneficial to have some sort of policy in place in case your apartment or rented house catches on fire or is destroyed by some other means. It is helpful to note that a renter policy may also help cover injuries to people that you have in your residence, it may help to cover injuries to your pets, and it may also cover issues with damage that your landlord is not going to pay.
Though you are not required to have a renter policy, they are incredibly helpful in cases where something terrible happens and you are required to recover and to get back to where you were before the issue occurred. A renter policy can help you to make up for your belongings being destroyed and can certainly make it so that you do not have to start over at ground zero if something does happen to your rental property or to your items within. For those in the Opelika, AL area, the agents with Elliott & Associates Insurance can help you to find the policy that works best for you.
If you own an RV in Opelika, AL, you may like taking frequent trips with it. And riding with your RV should be a fun and joyful situation but can be an issue if you don’t have great insurance for regular traveling. So please make sure that you contact us at Elliott & Associates Insurance to find a policy that features options such as those outlined below.
People who live in their RV as a permanent residence need this coverage to protect themselves. Think of it as a type of home insurance to get an idea of what it covers.
Consider Travel Expenses Coverage
If you’re regularly on the road with your RV, you’ll want this option to help you pay for a hotel and other expenses if your RV breaks down during a trip.
Talk to your RV insurance provider about the type of liability coverage that you’ll need. Most states require a certain level, and you need to match or exceed it to protect yourself.
If – horror of horrors – your RV is stolen or totaled while on a trip, this coverage option will replace your RV at the price it was worth at the time it was lost.
When you get into an accident with somebody who has inadequate insurance or no insurance, this coverage option will help protect you from severe financial loss.
Other Coverage Options
You’ll need collision and comprehensive coverage, medical payment coverage, storage protection, and much more to ensure that your RV is protected while you’re on the road.
Talk With Us
So if you live in Opelika, AL and need high-quality RV insurance to protect yourself from serious issues, please don’t hesitate to contact us at Elliott & Associates Insurance. We will work with you to protect your RV and keep your financial investment safe.
Many motorcyclists are real motorcycle enthusiasts. They will often talk passionately about their experiences and what they don’t like; helmets. While the fact that most riders can never ride without one, it really doesn’t mean they like them. They put them on because it gives them a form of protection.
If you’re passionate about motorcycles, then you probably have already figured out that a motorcycle insurance policy provides more protection than your helmet. At Elliott & Associates Insurance, we always call it a ‘more than just a helmet’ type of insurance, and in Opelika, AL, it is not just about staying safe but also a law.
Accidents happen every day, which we cannot control, and the least we can do is encourage motorcyclists always to put on a helmet and get motorcycle insurance. That way, we can be confident that you are ready to hit the Opelika AL roads doing what you enjoy most.
A helmet covers your head and prevents major head injuries in case of an accident. A motorcycle insurance policy on the hand protects you from a wide range of financial challenges. Here are some universal basic coverages:
- Bodily injury liability
- property damage
- Underinsured/uninsured motorist
- Medical payment
- Accessory coverage
The Alabama Mandatory Liability Insurance Law has outlined the amount of insurance a motorcyclist is expected to carry on the roads for one to be riding safely and legally. At Elliott & Associates Insurance, we help you choose the most suitable policies that best fits you and make sure that you have at least the minimum insurance that is required by the Alabama law.
Call or visit us in Opelika, AL today for inquiries, quotes, policy discussion or for more information on motorcycle insurance.
Floods are acts of nature that we cannot predict and often cannot avoid. That being said, if you live in an area where the flood is common, having a supplementary flood policy is often the best way to make sure you are protected from floods or any other issue that may pop up. For those that live in the Opelika, AL area, the agents with Elliot & Associates Insurance can help you to find the right flood policy for you.
Being Away from Your Home
Aside from things like replacement and repair of your home and belongings, your flood policy also covers a range of other things. These policies help with the cost of cleanup, the cost of replacing items, and even the cost of repairs to the home after a flood. Some policies are going to cover a portion or the entire cost of a place to stay when they are working to repair and clean up their home. Most policies are going to have some sort of coverage built in to help cover the cost of the hotel room that you need to stay in while the home is being cleaned up. If you are looking for a policy that has this type of coverage, you may want to take the time to talk with an agent about what kind of coverage you have and if there are any built-in coverages for hotel costs.
In areas where flooding is common, a flood policy is a must to make sure that your home is protected and that you are not going to have to pay for the full rebuild if your home is damaged by the flood. For those that live in the Opelika, AL area, the agents with Elliot & Associates Insurance can help you to find the right coverage for you.
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.
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.