Send us a Text Click to Call - Mountain Home Click to Call - Harrison
Affordable Insurance Agency

635 Hwy 62 E
Mountain Home, AR 72653

Get Directions

If Someone Is Injured in Your Rental, Who’s at Fault?

Posted on by admin

Property ownership often dictates liability. For example, if you’re a homeowner and someone gets injured inside of your home or outside on your property, you’re going to be at fault if there was any negligence involved. This is a simple concept, and you know that you need to have homeowners insurance to provide you with personal liability coverage.

But let’s imagine that you’re a renter. If someone is injured on a property you’re renting, who’s at fault? Do you need renters insurance to provide you with coverage? Here’s why this can be a much more complex topic, why you still need renters insurance regardless, and how you can get it here with Affordable Insurance Inc, serving Mountain Home, AR. 

Who’s at Fault If Someone Is Injured in Your Rental?

Generally speaking, if someone is injured inside of your rental property and your negligence is the cause of the injury, you’re at fault. A renters insurance policy will offer the personal liability coverage you need to manage any expenses that you may face as a result of the injury. That being said, there are many scenarios in which you may not be at fault, such as: 

  • If the injury inside your rental property is caused by something that your landlord has refused to fix, they may be at fault for the resulting injury. 
  • If the injury occurs outside of your rental in shared common spaces, your landlord is going to be at fault for the injury should it be due to their negligence. 
  • If the injury is in the immediate vicinity of your property (for example, porch) and was caused by your landlord’s failure to act (although you may be at fault if conditions are a result of your negligence). 

Get the Coverage You Need With Affordable Insurance Inc

It’s wise to have renters insurance for more than just the reasons listed above. Secure the renters insurance you deserve with our help at Affordable Insurance Inc, serving Mountain Home, AR. Give us a call today.

Read More

How To Protect Your RV During a Winter Storm

Posted on by admin

Winter storms can turn your beloved RV from a vacation sanctuary into a costly repair nightmare if you’re not properly prepared. Heavy snow, ice, and freezing temperatures pose serious threats to your RV’s structural integrity and internal systems. Taking preventive measures before severe weather hits protects your investment and prevents expensive insurance claims down the road. Affordable Insurance Inc, serving Mountain Home, AR, helps RV owners understand protection strategies and coverage options for winter weather damage.

Winterize Your RV’s Water System

The most critical step involves protecting your RV’s plumbing from freeze damage. Drain all water tanks, including fresh water, gray water, and black water systems. Remove any water from pipes by opening all faucets and running the water pump until no liquid remains. Add RV antifreeze to drains and toilet bowls to prevent residual water from freezing and cracking pipes or fixtures.

Secure and Protect the Exterior Structure

Remove or secure all external accessories, like awnings, antennas, and outdoor furniture that could become projectiles in high winds. Apply protective covers to air conditioning units and other roof-mounted equipment. Park your RV in a sheltered location away from trees that might fall during ice storms. If possible, position the RV to minimize wind exposure on its largest surface areas.

Monitor and Maintain Your RV During Snowstorms

Check on your RV periodically during extended storms to remove excessive snow buildup from the roof. Most RV roofs aren’t designed to handle heavy snow loads that can cause structural damage or collapse.

Proper winter storm preparation protects your RV year after year. Contact Affordable Insurance Inc, serving Mountain Home, AR, to ensure your RV insurance coverage includes comprehensive protection against winter weather damage.

Read More

Engine Damage vs. Body Damage: What’s the Difference With Motorcycle Insurance?

Posted on by admin

For motorcycle owners, the line between mechanical and physical damage can be easy to blur. After an accident, what’s covered—and what isn’t—often depends on how the insurance company defines those terms. Understanding the difference between engine damage and body damage helps riders know what kind of protection they actually have through Affordable Insurance Inc serving Mountain Home, AR.

What Counts as Body Damage

Body damage usually refers to anything cosmetic or structural on the outside of the motorcycle. This includes the frame, fairings, paint, mirrors, and accessories. If a crash bends the handlebars or scrapes the fuel tank, that’s considered body damage. Comprehensive and collision coverage typically pay for these repairs, depending on who’s at fault and what caused the damage. Even small dents can get expensive when specialty parts or custom finishes are involved.

How Engine Damage Is Treated

Engine damage can be trickier. Most policies cover the engine if the problem results from a covered event—like a collision, theft, or fire. But if the engine fails because of age, neglect, or mechanical breakdown, it’s viewed as wear and tear, not an insurable loss. Some insurers offer add-ons for mechanical breakdown coverage, but that’s not standard. Riders who’ve invested heavily in performance upgrades should make sure those modifications are declared and properly insured.

Why the Difference Matters

Knowing how your policy separates body and engine damage prevents surprises when it’s time to file a claim. It also helps you decide whether extra coverage is worth adding. Motorcycle insurance isn’t one-size-fits-all, and every rider’s setup is different.

For anyone who relies on their bike for both travel and enjoyment, understanding how coverage works means fewer frustrations later. The right policy keeps you focused on the ride—not the repair bill. Contact Affordable Insurance Inc serving Mountain Home, AR to learn more.

Read More

The Truth About FEMA Flood Maps And Your Flood Insurance Policy

Posted on by admin

Arkansas has ranked among the top 15 states with the worst flooding over the past 15 years. Outdated FEMA flood maps exacerbate the problem, as they fail to reflect current flood risks accurately. This means residents of Mountain Home, AR, may be unknowingly living in flood-prone areas. At Affordable Insurance Inc., we rely on FEMA’s flood maps for policy decisions, but we also incorporate independent statistics to ensure more accurate assessments. Inaccurate flood maps can negatively impact insurance coverage, costs, and claims.

How Do FEMA’s Flood Maps Impact Your Flood Insurance?

Outdated or incorrect flood maps can misrepresent the actual risks in flood-prone areas. This can lead to homeowners paying too much for flood insurance premiums or, conversely, not enough. Underinsurance becomes a significant risk, leaving homeowners vulnerable to financial losses in the event of a flood. On the other hand, some neighborhoods may face overly strict building codes and unnecessary precautions due to exaggerated flood risks.

Relying solely on these inaccurate maps can mislead landlords and homeowners, leaving them unprepared for potential flood damage or over-prepared for floods that never occur. This misinformation can result in financial strain and inadequate insurance compensation when disaster strikes.

Why Does FEMA Need to Update Flood Maps?

The last major update to FEMA’s flood maps occurred in the 1970s, and the few changes made since then remain insufficient. Over the past five years alone, Arkansas has experienced an increase in floods, thunderstorms, and other water-related hazards. Accurate flood maps are essential for identifying high-risk areas and implementing safety measures, updated building codes, and other provisions. Without these updates, emerging flood-risk zones remain overlooked and unprotected.

At Affordable Insurance Inc., we are committed to providing flood insurance policies that serve the right communities. We continuously monitor and record flood-related changes in Mountain Home, AR, and share these updates with our policyholders. For more information about our data and FEMA’s flood maps, contact us today.

Read More

Why Your Business Probably Needs Cyber Insurance

Posted on by admin

Owning a business in today’s digital age means navigating a variety of risks, including cyber threats. One essential type of commercial insurance for modern companies is cyber insurance. As more businesses rely on computers, the need for this financial protection continues to grow. If your business uses computers, cyber insurance is likely a necessity. When you’re ready to secure cyber insurance or other types of commercial coverage, contact us at Affordable Insurance Inc in Mountain Home, AR.

Protecting Sensitive Information

Businesses often store a significant amount of sensitive information within their computer systems. This includes employees’ personal data, such as Social Security numbers, addresses, and banking details. Additionally, customer information, including payment details and addresses, may also be stored. This data is highly valuable to cybercriminals, who target businesses of all sizes to steal and sell this information. When a data breach occurs, your business is responsible for addressing the fallout. Cyber insurance helps manage the aftermath and provides critical support during these situations.

The Costly Aftermath of Data Breaches

Data breaches can result in substantial expenses for your business. These costs often include restitution to affected individuals, legal fees, and the expense of resolving computer system issues. Cyber insurance covers these costs, ensuring your business doesn’t bear the financial burden alone.

Secure Cyber Insurance Today

If your business uses computers—and most businesses do—it’s essential to have cyber insurance. Without it, your business is vulnerable to the high costs associated with data breaches. To get started, contact us at Affordable Insurance Inc. in Mountain Home, AR. We’re here to help you protect your business.

Read More

Home Insurance and Vandalism

Posted on by admin

People can sometimes act in ways that are inconsiderate or harmful. Unfortunately, this can include acts of vandalism, such as throwing a brick through a window, spray-painting offensive messages on a front door, or even egging a house on Devil’s Night. Other times, damage may occur unintentionally, like cutting down a tree on your property or accidentally backing over your fence. Regardless of the cause, the financial burden of repairing such damages is often covered by your home insurance policy.

Does Home Insurance Cover Vandalism?

In most cases, vandalism is covered under your home insurance policy through dwelling coverage. This type of coverage pays for repairs to your home’s structures, including attached features like garages. If the damage involves a detached structure, such as a fence or shed, the repairs are typically covered under the coverage for other structures. Personal belongings damaged or stolen during an act of vandalism are also protected under personal property coverage. Be sure to review your policy to understand your coverage limits. Items like jewelry or firearms may have specific sublimits due to their higher risk of theft.

If you operate a business from your home, consider adding a business property endorsement to your policy, as standard home insurance may not cover business-related items. Additionally, if your home is unoccupied for more than 60 days, your coverage may lapse. To ensure protection during extended absences, you can add a vacant home endorsement to your policy.

Contact Affordable Insurance in Mountain Home, AR

If you live in the Mountain Home, AR area and need a reliable home insurance policy, contact Affordable Insurance Inc. Our team is here to assist you with finding the right coverage for your needs.

Read More

Celebrate 30 Years of Affordable Insurance – Enter to Win a $25 Gift Card!

Posted on by Affordable Insurance

Celebrate 30 Years of Affordable Insurance – Enter to Win a $25 Gift Card!

 

Celebrate 30 Years of Affordable Insurance – Enter to Win a $25 Gift Card!

 

We’re thrilled to celebrate 30 incredible years of serving our amazing clients — and what better way to celebrate than by giving back!

To thank you for your loyalty and support, we’re launching a special 30-Year Anniversary Raffle where 30 lucky winners will each receive a $25 gift card.

🏆 How to Enter the Raffle:

 

  1. Follow us on Instagram or Facebook
    👉 Instagram
    👉 Facebook

  2. Leave us a positive review on Google
    ⭐ Click here to leave a review

  3. Submit this form to complete your entry
    📝 Enter the Raffle Here

✅ That’s it! Once you’ve completed all three steps, you’re officially entered to win.

🎁 What’s Up for Grabs?

 

  • 30 winners

  • Each will receive a $25 digital gift card

📅 Deadline & Winner Announcement:

Entries close on June 30th, 2025. Winners will be:

  • Announced on our social media

  • Notified by email with instructions to claim their prize

 

Offer valid until June 30th, 2025. Limit one entry per client. 30 winners will be randomly selected and notified after verification of eligibility. Winners will be announced on June 30th via Affordable Insurance’s official social media accounts and contacted by email. This promotion is in no way sponsored, endorsed, administered by, or associated with Instagram, Facebook, Google, or any other third-party platform mentioned. Affordable Insurance reserves the right to modify or cancel this offer at any time without notice.

Read More

Will Renters Insurance Cover Items Stolen From My Car?

Posted on by admin

If you experience a theft of valuable items from your car in Mountain Home, AR, you might be unsure about which insurance covers it. Should you file a renters’ or auto insurance claim? Typically, this type of theft is covered by a renters’ policy, but there are a few exceptions.

What’s Covered?

The theft coverage included in renters’ insurance isn’t limited to items in your home. It extends to most belongings stored in a vehicle, as well as hotel rooms and self-storage units. Condo and homeowners policies generally offer the same benefits. However, it’s still crucial to take precautions, such as closing windows and locking doors.

Vehicle Insurance

Auto insurers usually don’t cover items stolen from vehicles unless they are installed components. Optional comprehensive car insurance provides coverage for theft of the vehicle itself and most of its parts. If you install aftermarket add-ons, such as a high-end stereo, you’ll need to add a custom parts and equipment endorsement to your policy to protect them against theft.

Things to Consider

Remember that limits and deductibles apply to many insurance policies. It might not be beneficial to make a claim if a thief steals something of relatively little value. Be sure to keep the receipt for any expensive item that you regularly transport in your vehicle, such as a laptop or a set of golf clubs.

If you want to safeguard your valuables with a reliable renters’ policy, consult the experts at Affordable Insurance Inc. Our independent agency, with an office in Mountain Home, AR, boasts over three decades of experience. Please call 870-425-6079 or 844-448-0923 to contact the friendly, helpful agents at Affordable Insurance Inc.

Read More

Are All RVs Worth Covering?

Posted on by admin

RVs can vary significantly in terms of quality and price. Certain RVs, like camper trailers, naturally come with a higher price tag and more features than an RV you might buy on a whim, such as an ATV that your family can ride. As you gradually increase the number of ATVs you own, the topic of insurance coverage is likely to come up. Do you need to insure all of them? Should you only cover the more expensive ones and ditch insurance for the cheaper ones? Let’s take a closer look at whether all RVs are worth insuring, so you know what to do when you come to us here at Affordable Insurance Inc. in Mountain Home, AR.

Should You Cover Expensive RVs But Not Cheap Ones?

It’s a no-brainer to cover your expensive RVs. Damage to those could cost you thousands, if not tens of thousands of dollars. Attempting to pay for repair or replacement costs out of pocket could be difficult, if not impossible. But what about RVs that wouldn’t cost that much to replace? Should you avoid insurance to avoid adding extra costs to your budget? Not necessarily. Given the nature of RVs, even if you buy them cheap, an accident will cost you repair or replacement costs. If you end up wrecking multiple RVs or they get damaged some other way, it will end up costing you more not to have insurance. Keep this in mind if you love recreational activities and need to cover all of your vehicles.

Cover Every RV With Affordable Insurance Inc.

Covering all your RVs is the best way to prevent having to pay a lot to repair or replace them. Save money with us here at Affordable Insurance Inc. in Mountain Home, AR. Get in touch with us today!

Read More

Are Your Outbuildings Covered By Your Home Insurance Policy?

Posted on by admin

Experiencing damage to outbuildings on your property due to storms, fire, or vandalism can be distressing. Generally, outbuildings are covered under a standard home insurance policy, except in special cases. At Affordable Insurance Inc. in Mountain Home, AR, we help clients acquire the right home insurance for their individual needs.

Common Types of Outbuildings

Residential properties often feature various types of outbuildings, such as detached garages, gazebos, storage sheds, and pool enclosures. Fences, decks, and driveways are also considered structures covered under insurance. Some individuals construct a barn or greenhouse on their property. Guesthouses are another outbuilding commonly found on properties. These buildings are all covered under standard residential property policies.

What Is Covered By Your Homeowner Policy

Outbuildings are usually covered to a certain limit, generally 10 percent of the policy’s dwelling coverage limit. Hazards such as fire, smoke, lightning, snow or ice damage, theft, vandalism, explosions, and water from burst pipes are covered. If you use the outbuilding for business purposes, you will generally have to acquire a separate policy for the structure’s coverage.

Make Affordable Insurance Inc. Your Choice for Home Insurance Coverage

We can understandably provide in-depth answers if you have questions about coverage for your property’s outbuildings. We offer many types of insurance for our clients, including auto, boat, motorcycle, RV, renters, and business insurance. Contact Affordable Insurance Inc. in Mountain Home, AR today for a no-obligation quote on home insurance that will provide coverage for all your property insurance requirements.

Read More

Servicing these States

Servicing States Map