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Mountain Home, AR 72653

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Featured Insurance Blog

BOAT & WATERCRAFT INSURANCE

Affordable Insurance can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.

Arkansas – Do you know what to look for in a watercraft insurance policy? Affordable Insurance can help you determine the right amount of coverage to meet your specific needs. Just give us a call today at 870-425-6079to get started. Here are some items you’ll need to consider when shopping for boat insurance in Arkansas.

  • Navigational Area:
    Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.
  • Agreed Value Coverage:

Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

  • Liability

Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

  • Medical Payments

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

  • Physical Damage Coverage

Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

  • Uninsured/Underinsured Watercraft Bodily Injury

Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

  • Fuel Spill Liability and Wreckage Removal

Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.

  • Personal Effects

Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with

Affordable Insurance for information. Personal effects coverage does not include jewelry, watches or furs.

  • Unattached Equipment Coverage

This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.

  • Emergency Assistance

The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

 

Every need is unique – contact Affordable Insurance today Call 870-425-6079 to find out how to get the best boat and watercraft insurance coverage for you.

Ride Safe With These Motorcycle Tips

 

Motorcyclists know that riding gives them a freedom that driving a car just can’t match. But the best riders also know that motorcycles require more focus to operate and don’t provide the same protections cars do in the event of a crash. The best riders also take great care in all situations, whether they’re in heavy traffic on highway 62 or 65, stuck in the rain or just taking a quick ride on a perfect day.

If your habits aren’t as safe as they could be, or if you’re new to motorcycling, don’t worry! Instead, take time to improve. The quick safety tips below are a great place to start.

Want more? Check out the Motorcycle Safety Foundation (http://www.msf-usa.org) or the American Motorcyclist Association (www.americanmotorcyclist.com).

Remember to give us at Affordable Insurance a call at 870-425-6079 when you need to get coverage for your bike (or your home or auto, boat or more)!  Affordable Insurance located in Mountain Home, Arkansas; Harrison, Arkansas and Flippin, Arkansas

First things first

  • Wear proper safety gear and, most importantly, a helmet – no matter how short your trip may be.
  • Make sure you can be seen by other motorists. Make it easier for them by wearing reflective clothing, always using turn signals (and perhaps hand signals as well) and keeping your headlight on.
  • Even when taking the above precautions, stay alert and assume that other drivers don’t see you — especially at intersections and when making lane changes or passing.
  • Be patient. Don’t tailgate, and if someone is tailgating you, get out of their way.
  • Don’t ride after drinking or taking any medications that could impair your abilities.

Riding at night

  • Again, make sure you’re visible — particularly at dusk. Consider upgrading your headlight or adding other lights to your ride. Is your bike black? What about your clothing? Both will make you more difficult to see at night.
  • Your vision needs to be clear, so keep your visor or goggles clean and free from scratches. If you don’t use face or eye protection, consider it.
  • Carry a flashlight or other emergency gear with you so a mechanical problem doesn’t leave you stranded — and invisible — on the side of a dark road.

Bad weather?

  • Keep rain and cold-weather gear handy. Riding isn’t just more enjoyable when you’re warm and dry — it’s safer, too.
  • Use extreme caution when it first begins to rain, as the roads are most slick at that point. Pull over and wait if necessary. It’s better to be late than ride in unsafe conditions.

We wish that all of your rides could be on sunny days with wide-open roads, but we know that’s not going to happen. So think about safety every time you start up your bike!  Let Affordable Insurance help you with your motorcycle insurance coverage, call us today 870-425-6079

Affordable Insurance Offers Tips to Help You Save on Auto Insurance

Purchasing the auto insurance that is right for you can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your auto insurance and feel confident you have adequate coverage. Affordable Insurance, a leading provider of auto and homeowners insurance, offer these tips to lead you in the right direction when you purchase your car insurance.

  • Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.
  • Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course, could qualify for savings.
  • Buy a car that includes safety features such as anti-lock brakes, alarms or other security features, airbags, and automatic seat belts.
  • Choose a higher deductible (what you pay before your insurance policy kicks in), which can mean paying less for your policy.
  • Eliminate unnecessary coverages. If you drive an older car with little cash value, consider eliminating “collision” or “comprehensive” coverage, which pays for damage to or theft of your car.
  • Insure more than one car with the same company, and you may be eligible for savings.
  • Insure your car and home with the same company. You could save money if you have more than one type of policy with the same insurance company (for example, an auto policy and a homeowner’s policy). The more good business you give the company, the more valuable you are as a customer.
  • Look for low-mileage discounts if you car pool or do not put a lot of miles on your car annually.
  • Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much.
  • Buy a safer car that will cost less to repair and less to insure. Check crash-test reports, repair records and manufacturer recalls of any car you are considering.  A consumer protection magazine can be very useful or check car sites on the Internet.

Established in 1995, Affordable Insurance is an independent insurance agency offering a full range of insurance products including AUTO, HOME, LIFE, HEALTH, BUSINESS.

For information and quotes on insurance coverage, please visit Affordable Insurance at one of our locations 635 Hwy 62 East Mountain Home, Arkansas; 816 East Main Street Flippin, Arkansas; 324 Highway 62 65 North, Harrison, Arkansas or call 870-425-6079.

 

 

 

 

Affordable Insurance Offers Tips to Help You Save on Homeowners Insurance

Purchasing the homeowners insurance that is right for you and your home can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your homeowners insurance and feel confident you have adequate coverage. Affordable Insurance, a leading provider of homeowners and auto insurance, offer these tips to lead you in the right direction when you purchase your homeowners insurance.

  • Raise your deductible. Companies generally have deductibles (what you pay before your insurance policy kicks in) starting at $500. By choosing a higher deductible ($750,

$1,000, $2500 or higher), you’ll have lower annual premium payments.

  • Consider how much insuring a new home will be. The age of your home may qualify you for savings because plumbing, heating and electrical systems of newer homes have lower risks than outdated systems. Construction of the home (brick versus wooden frame) can affect your cost as well, depending on your home’s location. Also, if you live near your local fire department, your homeowners rates might be lower than if you are many miles away.
  • Insure your home, not your land. Since homeowners policies don’t provide protection for your land, it would be a waste of money to include its value as part of your dwelling coverage, which should only reflect the price it would cost to repair or replace your home’s structure.
  • Insure your car and home with the same company. You can save money if you have more than one type of policy with the same insurance company. The more good business you give the company, the more valuable you are as a
  • Improve home security and safety. If your home has certain types of fire alarms, burglar alarms, locks, or smoke detectors, you’ve reduced your risk and may qualify for a
  • Look for senior discounts. If you are at least 55 years old and retired, your insurance company may offer you a discount. Retirees often spend more time at home and are more likely to spot trouble and prevent a
  • Stay with one insurer. If you keep your coverage under one insurer for several years, you may be offered a discount from the company. The longer you are a customer, the more money you will likely end up
  • Compare the limits in your policy to the value of your possessions at least once a year. If you make any major purchases or additions, you want to ensure they will be covered, but you do not want to spend more than is

Established in 1995, Affordable Insurance is an independent insurance agency offering a full range of insurance products including AUTO, HOME, LIFE, HEALTH, BUSINESS.

For information and quotes on insurance coverage, please visit Affordable Insurance at one of our locations 635 Hwy 62 East Mountain Home, Arkansas; 816 East Main Street Flippin, Arkansas; 324 Highway 62 65 North Harrison, Arkansas or call 870-425-6079.

 

 

 

 

 

 

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

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.