Will Auto Insurance Cover Belongings in the Car?

Posted on February 28, 2021February 28, 2021 by admin

Many drivers in Mountain Home, AR assume that their car insurance will have them covered if anything is stolen from their car. This is a common misunderstanding, but the truth is that it’s actually your home insurance that will protect your belongings through the off-premises policy. If you don’t own your home, these possessions may also be covered through renters insurance or condo insurance.

Any possessions that your car insurance will cover will be permanent fixtures in the car, and only if your auto insurance policy is updated to reflect those additions. If you put expensive leather seat covers in your car, for instance, and let your auto insurance provider know about it, that would be added to the car’s total value and would be covered by your insurer as long as you have the appropriate policies.

If a Blu-Ray player is stolen from your back seat, on the other hand, that’s going to be handled by your home, renters, or condo insurance provider. Your auto insurance provider will cover your car through collision and comprehensive, and they will cover damages for which you are held responsible through liability. The possessions inside your car are going to be covered by another insurance policy.

If you have any questions or looking to get coverage for your car in Mountain Home, AR, get in touch with Affordable Insurance Inc. At Affordable Insurance Inc., the idea is to connect drivers with a great policy at a price they’ll like. Call or get in touch through the website and see what we can do for you.

Does Having a Swimming Pool Affect My Homeowner’s Insurance?

Posted on January 25, 2021January 25, 2021 by admin

If you’re like many Mountain Home, AR residents, you want a way for your family to keep cool and have fun in the warmer months. While owning a swimming pool can be a great way to accomplish this, it can make a difference in how much you’ll pay for coverage. Please keep reading to learn more about how swimming pools affect your home insurance rates with this guide from our team at Affordable Insurance Inc.

The Risk of Having a Swimming Pool

When determining rates, most home insurance companies look at the risk of insuring your property. If there’s a higher chance you’ll eventually submit a claim, you’ll pay more for premiums.

That said, swimming pools are what companies refer to as an attractive nuisance. What this means is that having one in your yard means that it might be attractive to an unsupervised child, who could get into the water unsupervised and easily become injured or die. Homeowners are always encouraged to take precautions like putting up fencing and using gate locks, but this might not be enough.

Does Home Insurance Include Swimming Pools?

With some insurance carriers, pools are automatically included in the policy. But this isn’t always the case. That’s why it is important to tell your agent if you’re installing one, whether it is in the ground or just a temporary above-ground type so that your policy can be adjusted.

Furthermore, it is a good idea to increase your liability coverage if you’re adding a pool to your backyard. Having additional coverage if an unfortunate accident can help save you from a costly lawsuit and protect your overall financial wellbeing.

Are you ready to learn more about purchasing homeowner’s insurance in Mountain Home, AR? Please contact us at Affordable Insurance Inc. today to schedule an appointment.

Why Commercial Auto Insurance Is An Asset

Posted on December 31, 2020January 4, 2021 by admin

Affordable Insurance Inc. serves the Mountain Home, AR community by helping residents find insurance coverage. We strive to make sure that our clients find policies that align with their needs. Our success was built on providing quality service with integrity.

Why Commercial Insurance Is An Asset

As an Arkansas small business owner, you must protect your investment. Commercial insurance covers your business against potential damages to your physical property, as well as your equipment. The policy also covers your business against potential liability risks. You will be protected if one of your customers is injured on the premises. Workers’ compensation protects your business if an injury in the workplace occurs. If professional transportation is an important part of your business, consider the benefits of commercial auto insurance.

Commercial policies provide similar coverage to traditional policies. You will be covered if your business vehicles suffer damages due to a collision. You will also be protected if you are a victim of theft. Liability coverage protects you if your business vehicle causes damage to someone else’s property.

You can get comprehensive coverage to protect your vehicle against the risks of natural disasters, such as tornados or fires. The policy also covers your vehicle if someone vandalizes it. Uninsured motorist coverage protects your vehicle if you are involved in a collision with another driver who is not insured. During emergencies, commercial auto policies provide security. If you are having engine troubles or a flat tire, you can ask for roadside assistance. You are also covered if you need towing services.

Affordable Insurance Inc. Will Help You Secure The Future Of Your Business

Visit our website today to learn more information about commercial insurance.

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