If you have a prized classic car, chances are you want to protect it however you can. Our agents at Elliott & Associates Insurance, serving the Opelika, AL area, can provide you with the specialized coverage you need for your particular classic vehicle.

What Does Classic Car Insurance Cover?

First, classic car insurance works slightly differently than regular car insurance. It goes by an agreed value coverage, a pre-determined value for your specific classic car. This value is established through appraisals and documentation, ensuring that you will receive the agreed-upon amount if your vehicle is determined to be a total loss. This is due to the fact that regular cars depreciate in value over time while classic cars can appreciate in value.

Classic cars are not used for daily commuting. In other words, you will not be driving your classic car to and from work or the grocery store. You will typically only be driving it to and from car shows and other similar events so that you will have limited mileage options. This helps lower your premiums while still protecting your vehicle when driving it out on the highway. Classic car insurance includes liability coverage to protect you in case of damage or injury to others while operating it.

Like many other classic car owners, you may want to modify your vehicle for performance or looks. Classic car insurance covers these modifications, ensuring increased value from improvements is accounted for. You can also have storage coverage so your beautiful classic car is protected while stored in your garage or at another location.

Contact Elliott & Associates Insurance

To ensure your classic car is adequately protected, contact our agents at Elliott & Associates Insurance, serving the Opelika, AL area, today to get your policy started!

An RV is a home on wheels. As a result, it’s technically a vehicle. You must carry RV insurance if you drive a motorized home on wheels. Similar to auto insurance, RV insurance provides liability coverage and can also provide coverage for damage to your RV as well. Our Elliott & Associates Insurance team is committed to educating Opelika, AL residents on RV insurance.

What is RV Insurance?

Like car insurance, RV insurance covers any injuries or damage you may cause to people or their vehicles/property. RV insurance can also cover repairing or replacing your RV if your RV policy covers an incident/accident. RV owners often purchase total loss coverage or coverage to replace their TV if it’s destroyed. Total loss coverage provides full value compensation for your RV. However, like a vehicle, RV liability insurance is a requirement in most states.

Like auto insurance, RV owners can choose between different types of coverage that fit their lifestyle and use. Some RV owners live in their RVs full-time. They have the option of purchasing full-time RV coverage. RV users who use their RV recreationally (not full-time) can purchase coverage for recreational use.  

Do I need RV insurance for my Sprinter?

It depends. Technically, a Sprinter is a cargo van/passenger vehicle. However, a Sprinter with a bed, running water, and a bathroom can be classified as an RV. The full conversion of the interior of a Sprinter would change it from a cargo van to an RV, thus requiring you to obtain RV insurance. If you have questions about RV insurance, call us. We can help you explore your options. 

Safety should be your top priority as a new motorcycle rider in the Opelika, AL area. Here are some tips from us at Elliott & Associates Insurance to help you stay safe on the road: 

1. Wear protective gear. Helmets, riding jackets, gloves, and other protective clothing can save your life in the event of an accident. Ensure you invest in quality protective gear that fits properly and is designed for motorcycle riding. 

2. Take a course. Before starting on your own, consider taking a basic motorcycle safety course to learn proper turning and braking techniques in different weather conditions. 

3. Watch your speed. It can be tempting to go fast when you first start out, but speed limits exist for a reason—to keep everyone safe on the road. Adhere to posted speed limits and be aware of speed changes around curves or corners where visibility is limited. 

4. Be visible at night. Nighttime brings additional hazards for motorcyclists because it’s harder for cars to see you coming from behind or at intersections. Ensure your bike has reflective side panels, turn signals that work correctly, and bright headlights so other vehicles know you’re there. 

5. Check before you go out riding each time. Every time you get ready to go out on the bike, make sure all fluids are topped off, tires are properly inflated, brakes are working correctly, controls are functioning properly, and mirrors are clean and adjusted correctly before hitting the open road. 

Following these simple tips for safe riding as a new motorcyclist’ll increase your chances of having an enjoyable ride! For more tips, please call us at Elliott & Associates Insurance today. We are proud to serve the Opelika, AL area.

Knowing the suitable types of insurance products for your needs is crucial to making the right insurance choices. Here at Elliott & Associates Insurance, serving Opelika, AL, and the surrounding areas, we are committed to helping you make wise insurance choices. Keep reading to learn more about short-term rental insurance. 

What Is Short-Term Rental Insurance?

Short-term rental insurance is a special type of insurance product created for property owners who rent their properties out to paying guests. This can include individuals who own vacation rentals or properties they offer on apps such as Air BnB, Homestay, and others. 

What Does Short-Term Rental Insurance Cover?

This type of insurance coverage will protect your property in the event of damage that happens during a rental stay. It can also cover other types of liabilities as well. These include:

• Loss of income 
• Excessive use of utilities 
• Infestations 
• Identity theft
• Liquor liability 

Does This Coverage Protect My Belongings At The Property?

This type of coverage is often added to your regular homeowner’s policy. Your personal belongings would already be covered under your standard homeowner’s policy, but you can request additional coverage if you want.

How Much Coverage Do I Need?

To determine how much coverage you need for your properties, you will need to sit down with an insurance expert. This professional will be able to discuss the value of your property and personal belongings at the property to help you determine the right insurance policy. 

If you want to learn more about short-term rental insurance, please get in touch with us at Elliott & Associates Insurance, serving Opelika, AL, and the surrounding areas. We will be happy to answer your questions.  

Whether you are a new homeowner or have been a homeowner for a period of time, you need to know and understand that flood insurance is not automatically included in your homeowner’s insurance policy. Serving the Opelika, AL area, Elliott & Associates Insurance agents can explain the importance of flood insurance and how you can obtain your own policy.

Flood Insurance Policy Coverage

Flood insurance policies are available through your trusted insurance agency and the National Flood Insurance Program (NFIP). You can choose from two different options when it comes to a flood insurance policy.

The first option of flood insurance will help cover any damage to your home up to a certain dollar amount so that you can make the necessary repairs or replacements if your house is damaged by flooding. The second option of flood insurance allows you to replace all of your personal belongings if they are lost to water damage from a flood. This includes your household items, personal items, clothing, and even furniture and appliances that you have purchased. Some flood insurance policies will even help you pay for a different location to live in while your home is being repaired from flood damage.

Not Covered by Flood Insurance

Remember that some things are not covered by flood insurance, such as stocks, bonds, some types of jewelry, or cash. You will need to check with your trusted insurance agent to be able to understand your other options when it comes to these types of items.

Contact Elliott & Associates Insurance

To start your flood insurance policy immediately, contact the flood insurance specialist at Elliott & Associates Insurance, which serves the Opelika, AL area today!

A cancer diagnosis can be devastating and life-altering — but it doesn’t mean you have to give up on getting life insurance. While the process may be more complicated than if you had no prior health issues, it’s not impossible to secure coverage after undergoing cancer treatment in Opelika, AL. In this post, Elliott & Associates Insurance explains what you need to know about getting life insurance after a cancer diagnosis.

Applying for Life Insurance with a Cancer History

Several factors will determine your eligibility. These include the type of cancer, stage or severity when diagnosed, and whether or not you have already undergone treatment. Generally speaking, the sooner the diagnosis and the more effective the treatment plan has been in eliminating any trace of cancer cells, the better your chances of securing a policy.

It’s important to note that not all carriers are created equal when issuing policies to those who have had cancer. Some companies may require a longer waiting period than others — typically two years from completion of treatment — and may also charge higher premiums based on their assessment of risk. 

Getting life insurance after being diagnosed with cancer is possible – although it may come at an additional cost compared to more traditional policies in Opelika, AL. When searching for a policy, make sure to work with an experienced independent agent like those at Elliott & Associates Insurance, who understands both how insurers evaluate applicants as well as what kinds of exceptions might be included in specific policies so that you get exactly what works best for you and your family’s financial situation.

Most people know the basics of safe driving. But many drivers don’t think about some of the simplest things which can help keep you safe on the road. Here are a few tips to help you stay safe while driving.

1. Wear your seatbelt at all times. Wearing a seatbelt is one of the most important things you can do to keep yourself safe while driving, as it can reduce your risk of injury in the event of a collision or accident.
2. Don’t drink and drive. Drinking and driving are hazardous, as it can impair your coordination, judgment, and reaction time behind the wheel. If you know you will be drinking, plan ahead by finding a designated driver or taking taxis or public transportation instead.
3. Follow the speed limit. Driving too fast is a common cause of car accidents, as it limits your ability to react quickly to unexpected hazards on the road. Always obey posted speed limits, and remember that weather conditions, traffic, and other factors can affect how safe it is to drive at a certain speed.
4. Use your turn signals when changing lanes or merging with traffic. Not using your turn signals can confuse other drivers and increase the risk of collisions or accidents. Always use your turn signals to let other drivers know what you are doing, and give them plenty of time to react.

If you have questions about car insurance in the Opelika, AL area, please call us at Elliott & Associates Insurance today. We would be glad to help you with all of your insurance needs.

Most homeowners buy home insurance to cover their dwelling structures. This is understandable because your building structure could be the most expensive part of your house. While your home insurance rebuilds or repairs your dwelling, this is hardly the only thing covered by home insurance. Home insurance covers various facets of your home ownership, as highlighted by Elliott & Associates Insurance in Opelika, AL.

Personal assets coverage

You probably know that home insurance covers your clothing, electronics, furniture, and other assets when damaged or lost to a peril included in your policy. However, you may not know that home insurance can cover your assets when lost outside your home. For instance, home insurance should compensate you when your laptop is stolen at school or inside your car.

Liability coverage

This is usually one of the most underrated benefits of home insurance. Home insurance isn’t all about your assets — it covers you and your loved ones when accused by other people of property damage and bodily injury. You may not know it, but liability claims can be costly. For instance, if your dog bites someone, the cost can go as high as $60,000, depending on the severity of the damage.

The sad thing is that you could be held responsible even if the damage was accidental. Even worse, your assets could be at stake if you don’t have liability insurance to cover the liability claim. Thankfully, you don’t have to worry too much about third-party claims if you have home insurance.

Loss of use

You don’t have to look for temporary shelter with your friends and relatives when a covered loss renders your home unlivable. Home insurance can pay for additional living expenses you incur in a hotel or another dwelling similar to your home.

Want to enjoy the above protection from home insurance? Please contact Elliott & Associates Insurance for reliable home insurance policies. We serve Opelika, AL, and the surrounding regions.

If you own a classic car in Opelika, AL, it’s crucial that you insure it properly with a classic car insurance policy. At Elliott & Associates Insurance, we can offer you the classic car insurance policy that you need.

It is important to look into various factors when you choose a classic car insurance policy. The following are three critical factors regarding classic car insurance needs.

Vehicle usage

Classic cars are not typically used on an everyday basis like standard automobiles are. A classic car insurance policy usually will specify a certain vehicle usage amount that will impact premium amounts. 

Make sure you carefully calculate how often you use your vehicle, and let your insurance provider know about vehicle usage details when you find a policy. 

Vehicle value

You want to ensure your classic car for its full value. Because classic vehicles are often very high in value, classic car insurance policies should typically offer more collision and comprehensive coverage than standard auto insurance. 

Make sure you choose a policy that offers adequate coverage to meet your vehicle’s full value when you purchase a classic car insurance policy. 

Deductible amount

As with any insurance policy, you’ll want to choose a deductible amount for your policy. If you choose a higher deductible amount, you should be able to enjoy lower monthly premiums on your classic car insurance policy. 

Learn more about classic car insurance in Opelika, AL by contacting us at Elliott & Associates Insurance. We can answer your questions about classic car insurance and help you find a policy that meets your insurance needs. 

There’s a lot to see in Alabama. It’s a state of beaches, forests, and numerous landmarks. A recreational vehicle is needed to visit Opelika, AL, and other areas.

If you own an RV, you need corresponding insurance from an agency like Elliott & Associates insurance. It’s the case if you own a motorized version of the vehicle. It doesn’t apply to trailers or fifth-wheel models. 

What Does RV Insurance Cover?

RV Insurance covers many items a standard auto policy handles. It pays for repairs due to collisions with property and other vehicles. Additionally, it helps pay for injury claims of drivers, passengers, and other parties involved in an accident. Furthermore, RV insurance helps cover legal fees if a car or property owner sues the RV owner.

How Frequent Are RV Insurance Payments?

Like other policies, you pay a premium to keep your RV insurance active. In many ways, it’s like a subscription. Although you may not use the service, you still make payments to prevent the RV insurance from lapsing. After all, you don’t know when an accident can occur. 

Payments are regularly made every month. However, some policyholders decide to pay annually. Unlike an auto policy, RV insurance doesn’t renew every six months. 

How Do I Set Up Payments?

If you own a motorized RV in Opelika, AL, you set up payments with your insurance provider. Usually, they offer different options that fit your budget. Some firms might offer discounts if you pay the entire balance or select direct deposit. 

Do you need more information on a new RV policy? Reach out to the representatives at Elliott & Associates Insurance for assistance.