Anyone that lives in the Opelika, AL area, and is a homeowner will enjoy the long-term benefits that come through having a stable place to live, long term price appreciation, and even tax benefits. If you are going to purchase a home here, it is important that you receive the right type and level of coverage and protection. There are several forms of coverage that will come with your home insurance policy here.
Coverage for Dwelling
One important form of coverage that you will receive with your home insurance policy here is coverage for your dwelling. If there is ever a fire, bad weather, or even vandalism, it could cause serious damage to your home. This could then be very expensive for you to fix. Fortunately, when you get a full home insurance policy you are going to receive the protection that you need to repair or replace your home entirely.
Personal Asset Coverage
Another advantage of a home insurance policy is that it can provide you with coverage for your personal assets. Any home insurance policy will give you a certain amount of coverage to replace your personal items if they are damaged or stolen. This can include replacing your electronics, clothing, and many other items. Those that have valuable items such as jewelry should consider getting specific coverage for those items through a home insurance policy rider.
As you are looking for a home insurance policy to protect your Opelika, AL home, you should reach out to the professionals at Elliott & Associates Insurance. The insurance team at Elliott & Associates Insurance will give you all of the support that you need to choose a new policy. This can include making sure that you understand your options and have all questions answered.
You love your classic car. We know. And that’s why we want to make sure you have the best classic car insurance policy for your needs in Opelika, AL. How? By detailing the top three tips for purchasing classic car insurance that will help you get started. It’s really that easy. Read on to learn more.
1. Compare A Few Quotes
Classic car insurance policies differ from one to the other. For this reason, it’s important to compare several quotes before making a decision. Go over the quotes with a reputable agent, comparing the detail in each, such as cost vs. coverage. The cheapest insurance isn’t always the best, so keep this in mind when comparing quotes for your classic car.
2. Bundle Policies under One Insurance Carrier
Insurance companies love to reward loyal customers by bundling policies to help save on premiums. Bundle your life, auto, homeowners, and umbrella insurance under an existing insurance carrier or take advantage of a reputable agent from Elliott & Associates insurance to help you find a new one. Don’t forget to ask your agent about other ways to save money, such as a senior citizen discount.
3. Work with a Reputable Insurance Agent
Navigating the world of insurance takes some know-how. That’s where insurance agents come in. They help you find the best policy for your needs. Choose a reputable agent with a warm, friendly personality to answer all your questions, help you compare quotes, and bundle policies.
To learn more about classic car insurance, contact Elliott & Associates insurance serving the Opelika, AL area. Our friendly agents are standing by to take your call and find you the best insurance policy at the best price.
So you’ve purchased an RV and are excited to hit the road but before you do, you need to make sure your RV is protected by having the correct insurance policy in place.
RV insurance covers all recreational vehicles as well as trailers, horse trailers, and several other types of campers and trailers you either drive or pull behind your car, truck, or SUV. If you have an RV you drive, though, you need to follow the requirements of the state of Alabama.
Types of Coverage
In Alabama, it is required that you at least have liability insurance on your RV, just like any other vehicle you drive. This type of policy provides coverage for property damage or injuries sustained by others if you are involved in an accident with your RV in which you are deemed to be at-fault.
Uninsured and Underinsured Motorist Coverage
This type of insurance coverage will protect you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover injuries and damages sustained in the crash.
If you purchased your RV with a loan or just want more peace of mind, this policy will protect your investment by covering your RV if it is damaged or destroyed by fire, vandalism, or natural disaster.
This type of insurance will cover your vehicle if it is involved in an accident, no matter who is deemed to be at fault. It will also cover your RV if you hit an object, such as a telephone pole or building.
The trusted RV insurance agents at Elliott & Associates Insurance in Opelika, AL are ready to assist you so call for an appointment today!
The Opelika, AL area is a very popular community for people to move to. When you come to this area of Alabama, you can enjoy a variety of valuable personal and professional benefits. One important decision that you will have to make when moving here is where to live. You likely will have a variety of great options to choose from. One option that is ideal for some people is to rent their home. If you are going to rent a property here, it is important that you get a full renters insurance policy as it can provide a number of benefits.
Coverage for Personal Assets
One of the advantages of your renter’s insurance policy is that it can provide you with coverage for your personal assets. With a renters insurance policy, you are going to get a certain level of protection that could be used to replace your personal belongings if they are stolen, damaged, or destroyed. For more sizable assets, including expensive jewelry or art, you can also get a rider to the insurance policy for specific coverage for these assets.
Coverage for Liability Protection
Another advantage of a renters insurance policy is that you will get coverage for liability. Renters often do not realize the liability risk that they are taking on at any given time. Due to this risk, you should make sure that you protect yourself as well as possible. A great way to do this is by getting a full renters insurance policy.
When you are shopping for a renters insurance policy, you should contact the team at Elliott & Associates Insurance. The insurance team at Elliott & Associates Insurance could give you the guidance that you need to pick a policy. They have helped many in the Opelika, AL area get the appropriate insurance coverage.
Do you know motorcycle accidents are catastrophic and many of the accidents are no fault of the motorcycle involved but instead the negligence of the cyclist? In Eliot and associates insurance, we believe that the more skills motorcyclists have in their toolbox, the higher their chances are of being able to avoid accidents. Enrolling in motorcycle safety programs and taking motorcycle safety training is a great idea even if you are an experienced rider.
∙Lower motorcycle insurance rates. Undertaking safety classes as a motorbike rider improve your driving skills, thus increasing levels of alertness, thus minimizing most accidents that arise as a result of carelessness during a biking expedition. The rider can practically put into practice what he or she has been taught. This culminates in a rider causing lesser accidents, thus attracting discounts from insurance companies because of completing a certified motorcycle course.
∙Boost motorcyclist’s confidence. The motorcycle safety course is conducted by professionally- trained personnel. They instill skills and techniques which build concentration in bikers leading to fewer distractions in a biking environment. These trained riders enhance their confidence resulting in minimal accidents. In Eliot insurance, we boost this confidence further by giving affordable and elaborate motorcycle policy which caters to you in case of a liability.
∙Its an investment. After completing a motorcycle safety course, it’s easier to make a more informed decision about purchasing a motorcycle. Riders will be able to make choices based on the type of bikes they would prefer to possess. They also have the advantage of making more mature decisions from advice given by instructors regarding the acquisition of a motorcycle.
Have you completed a certified motorcycle course in Opelika, Alabama?. Let Elliots & Associates insurance give you guidance in acquiring your motorcycle insurance. Call or Contact us through our website you won’t regret it.
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.
If you’re living near the water, or right on a lake, you may want to consider all the benefits you can get with lake life insurance. At Elliott & Associates Insurance, we understand that lake life is different from living further away from the water and that there are unique needs and requirements to keep yourself safe and protected. If you’re in the Opelika, AL area, we want to help you get the right insurance for your needs. There are some great reasons to choose specific types of insurance for lake living situations. Here are six reasons to consider.
1. Lake living is different from living away from the water, and it presents unique challenges and benefits.
2. Living on a boat or spending a lot of time on one can mean you need to be properly insured for that lifestyle.
3. Liability coverage is vital for people who have others coming and going to their home or their boat or other watercraft.
4. Insurance needs are different on the lake, and an agent that understands that is important.
5. If you don’t live on or near the lake year-round, winterization protection can be very valuable.
6. Having flood coverage may be required due to your proximity to the water.
If you’re in the Opelika, AL area, reach out to us at Elliott & Associates Insurance today. We can help you with lake life insurance you need to feel comfortable and protected. Lake life can be a great life, but it’s much more enjoyable when you know you have the kind of insurance you need. How much coverage you require and which policies are right for you both matter. Our trusted and caring agents can help you choose policies that will give you adequate protection and peace of mind. Then you can get back to enjoying the lake and your time on and near the water.
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!
You never know when unexpected expenses can arise, which can cause a financial burden. This is especially true for older individuals with health issues. There is, however, a common-sense method to save for the unexpected while also preparing for any hardships that may occur as the result of an untimely passing. Finding a quality whole life insurance policy is a way to protect loved ones as well as prepare for emergency expenses in the future.
Life Insurance Can Make Saving For Retirement Easier
When people are saving to retire, the find themselves in an unfortunate situation when medical expenses pop up without warning. Most are forced to spend their retirement savings to cover those expenses. There is a way to avoid having this happen though. Whole life insurance is a policy that allows the policyholder to borrow against it after it has been paid for a certain number of years. It’s like an emergency fund if necessary but also serves as a form of protection for loved ones or business partners in the event of the policyholder’s passing.
Discover Policy Options
Life insurance policies can vary greatly, so it is important to outline current and future needs to help find the right whole life policy. The best way to approach shopping for insurance is to work with a licensed life insurance agent who can work with clients closely to suggest policies that work best for them. Anyone who is currently interested in life insurance should visit Elliott & Associates Insurance, serving Opelika, AL. We are committed to helping people find quality insurance products that fit their lifestyle.
Now is the time to secure a life insurance policy to protect those who are important from hardships and even protect yourself when surprise expenses develop in the future. Call or stop by Elliott & Associates Insurance if you live near the Opelika, AL area, and find out how to get started.
Types of Commercial Insurance
If an accident or incident was to occur to your business, you might think of all the business equipment to operate your business, the office furniture, or storefront space, but you need to think of your insurance first. At Elliott & Associates Insurance of Opelika, AL, we are not just saying that because we sell insurance. It is important that you know the difference between a business owner’s policy, commercial auto, commercial liability, etc. You need to choose the right policy so your business obtains the coverage it really needs.
An abundance of commercial insurance types are available. Your business type determines what you will need. A pizza delivery restaurant needs different policies than a manufacturing plant. While they both need liability insurance, that is pretty much where the similarities end. Your potential commercial insurance policies include:
- automobile insurance
- boiler and machinery policies
- business owner’s policy
- business interruption insurance
- builder’s risk insurance
- debris removal
- glass insurance
- inland marine insurance
- ordinance or law insurance
- tenant’s insurance
- crime insurance
- fidelity bonds
- errors and omissions insurance
- malpractice insurance
- directors’ and officers’ liability insurance
Elliott & Associates Insurance of Opelika, AL can help you determine which insurance policies you need. With so many diverse choices, it makes sense that you need to choose only what your business really needs. You need insurance, but you need the right insurance. That means sitting down with an expert to determine which policies you do need. That saves you money in two ways. You do not pay premiums on something you do not need and the right policy covers your repair or replacement costs when you do need to make a claim on your insurance.