Protect Your Assets with Umbrella Insurance

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Do you live in Dadeville, AL? Are you one of the fortunate people that have many assets that need protection? If so, we at Highpoint Insurance Group can help.

Why Umbrella Insurance?

If you cause a major car accident, liability insurance protects you and your family’s finances from a lawsuit. For example, if you crash into another car, your car liability insurance will pay for their medical expenses, property damage, and legal expenses, but only up to your insurance policy limits.

What if the costs incurred exceed the liability limits of your auto insurance policy? That is when umbrella insurance takes over. It provides excess liability insurance, or simply put, additional coverage, beyond the liability coverage limits of your auto insurance policy.

But umbrella coverage is not only additional coverage for your auto policy but also for your home or boat. Think of this coverage as asset protection. It can prevent you from losing all you have worked hard for in the event of a lawsuit.

Here are a few examples of where an umbrella insurance policy could protect you:

  • You are at fault in a serious boating or auto accident. The bills mount up fast, especially if multiple people are involved. Your boating or automobile insurance policy would pay first up to the maximum, then the umbrella insurance policy would pay.
  • What if your dog bites a visitor? Dog bites are covered by a homeowners insurance policy. But if you are sued for an amount in excess of your homeowners’ policy, the umbrella policy would kick in.
  • If you or a family member accidentally injures someone, your umbrella policy will pay when the home or auto insurance is exhausted.
  • If you accidentally drive your car into a building by putting your car in drive rather than reverse, which can happen. It will cause extensive damage to the building. Your auto insurance will pay first, and the umbrella policy will pay second.

Reach Out To Us

If you need additional protection for all your assets, consider umbrella coverage. Contact us today at Highpoint Insurance Group in Dadeville, AL. We will answer all your questions or provide you with a quote.

The Importance of Liability Coverage in Your Boat Insurance Policy

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Sailing the waters of the Dadeville, AL area can be a wonderful experience, and we at Highpoint Insurance Group want to ensure you are adequately protected. That’s why we want to discuss the importance of liability coverage when it comes to boat insurance policies, so you can be appropriately informed when choosing the right policy.

Protect Yourself and Your Boat

No one wants the liability of an accident or the damage resulting from a mishap on the water to come out of their own pocket. Liability coverage is the cornerstone of boat insurance policies and provides the most extensive protection against the financial consequences of an accident. Specifically, the coverage will protect the insured against the cost of any legal action taken due to an accident or injury caused by the use of the boat. This can include damage to a third party’s property, injury to the other party, and the cost of the legal defense.

Types of Boat Insurance Coverage

Liability coverage is the most crucial element of a boat insurance policy, but it’s far from the only type of coverage available. Many policies can offer protection against theft, fire, flood damage, and personal injury protection for passengers on the boat. Some policies even provide coverage for the cost of towing the boat in the event of an accident.

Some of the most common types of boat insurance coverage include:

  • Bodily Injury Liability: This covers the cost of medical bills and other expenses resulting from the injury or death of someone involved in the accident.
  • Property Damage Liability: This coverage will cover the repair of the property owned by the third party damaged in the accident.
  • Uninsured Boater Coverage: This type of coverage can protect the insured boat owner if the other party doesn’t have the proper insurance.
  • Replacement Cost Coverage: With this coverage, the policyholder will be eligible to receive the total replacement cost of the boat if it is damaged beyond repair.

How to Choose the Right Insurance Policy for You

To ensure the policy you choose offers the right coverage and the best value, working with an experienced insurance agent is essential. Our agents at Highpoint Insurance Group have years of experience in the Dadeville, AL area and will be able to help you find a good boat insurance policy for your needs. We are here to answer any questions and help keep your boat safe from the unexpected.

No one likes to think about the risks of owning a boat, but the reality is that the potential for an accident or injury on the water exists. With the proper liability coverage as part of your boat insurance policy, you’ll be prepared and protected if the unexpected occurs. Contact us at Highpoint Insurance Group today for the coverage you need to stay safe out on the water.

Smoking and Life Insurance: What You Need to Know

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You already know that smoking isn’t a great idea for your health, but it could also be hurting you financially–especially when it comes to your insurance premiums. Searching for how this can affect your life insurance policy in Dadeville, AL? Highpoint Insurance Group is here to help. 

Here, we’ll take a look at how smoking could affect your life insurance policy. 

Smoking and Life Insurance

There’s no doubt that you can qualify for a life insurance policy if you smoke or use other tobacco products, but using these products can mean that you’re going to be paying more than if you quit. Since smoking and the use of other tobacco products have proven to be harmful to your health, life insurance companies are able to charge more for policies for people who smoke.

The good news: you’re not stuck with higher rates. After you’ve been tobacco-free for a year, you’ll be able to talk with your life insurance agent about a potential change in your policy that could lead to lower rates. Getting tobacco products out of your life can be tough, and knowing that you’re going to save money when you make the switch to a smoke-free life can give you the incentive you need to keep working towards getting healthier. 

Contact Us Today

Finding the right life insurance policy for you and your family is a key part of ensuring the ones you love are protected if the unexpected occurs. At Highpoint Insurance Group, we’re proud to serve our Dadeville, AL customers, and we look forward to getting to know you and discovering which of our life insurance policies is the best fit for your needs. 

Tips to prepare your car for winter

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At Highpoint Insurance Group, we provide auto insurance and related guidance to maximize the protection of your vehicle. As the winter season approaches here in the Dadeville, AL area, there are many things you can do to prepare your car for the cold temperatures.

Here are some tips to help you get your car ready for the winter weather: 

1. Check Your Battery

Cold weather can cause batteries to lose their charge faster than normal, so it is important to make sure that your battery is functioning properly. Have a mechanic test the battery and alternator before the coldest months arrive. 

2. Inspect Your Tires

Tires should be inspected at least once a year, but it’s especially important to check them in preparation for winter. Make sure tires have enough tread depth and proper alignment. Consider investing in snow tires if you live in an area with heavy snowfall. 

3. Replace Windshield Wiper Blades

Ice and snow will collect on the windshield of your car, and without functioning wiper blades, visibility can quickly become compromised when driving in inclement weather conditions. Replace worn-out windshield wipers before winter arrives for maximum safety and visibility while driving in icy or snowy conditions. 

4. Top Up Fluids

Ensure all necessary fluids such as brake fluid, coolant, power steering fluid, transmission fluid, and windshield washer solvent are topped up prior to the winter months  

5. Change The Oil

If it’s been a while since you changed the oil on your car, now is a great time to do so. Old oil can become thick in cold temperatures making it more difficult for the engine to start up after being parked overnight. Make sure to check the owner’s manual. 

Protect Your Vehicle With Auto Insurance

By following these simple steps, you’ll be well prepared for whatever Mother Nature has in store this winter season! For more tips, call us at Highpoint Insurance Group. We serve the greater Dadeville, AL community. 

Commercial insurance that can help your small business

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At Highpoint Insurance Group, serving the greater Dadeville, AL community, we understand the challenges small businesses face every day. Our job as independent insurance agents is to help mitigate some of the risks your business faces, so you can survive if you are ever struck by a covered peril.

The first step is making sure you have the right coverage:

Commercial property insurance

Commercial property insurance can help your business to survive a covered peril. It not only covers the building, if you rent, you don’t insure the building, it covers the things you need to do business. Depending on the type of business you have, it could be plumbing tools and materials, office equipment, machinery for manufacturing, and raw materials or display units for stores. You will be able to replace the things you use and get back to work sooner. 

Commercial liability coverage

Being sued is a distinct possibility when you own a small business. It happens all too frequently and not only can it drain your time, but it can also drain your bank accounts if you don’t have commercial liability insurance protecting you. 

Workers compensation coverage

If your business has five or more full or part-time employees, you need to cover them with workers compensation insurance. It is a good thing for your employees and your business. 

Business interruption coverage

When your business is hit by peril, if you have business interruption insurance, it can help you to survive this time when your income stream may dry up. If you can’t do business, your expenses do not go away. You still need to pay your rent and the salaries of your employees and even your own. Having this insurance can really save your small business. 

Give Us A Call

Contact Highpoint Insurance Group in Dadeville, AL to discuss how your business can benefit from commercial insurance coverage. 

Protect Your Most Valuable Asset with Home Insurance

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Are you thinking of becoming a homeowner? If so, did you know that before you can obtain a mortgage, your lender will require you to have a homeowner’s insurance policy to protect your interests? If you live in Dadeville AL, Highpoint Insurance Group can answer all your questions.

Why Home Insurance?

The purpose of homeowners’ insurance is to pay for losses and any damage to your property in the event of a burglary, fire, or weather event. Standard homeowners’ policies do not cover artwork, jewelry, collectibles, or other valuable personal items. It does not cover damage caused by flooding or an earthquake. It would be necessary to get a separate rider to cover these situations.

Typically, a homeowners policy includes six different coverages. They are dwellings, structures such as garages or storage sheds, personal property, personal liability, medical payments, and loss of use.

Types of Policies

The two types of policies issued are the HO-2, which is a commonly purchased policy. HO-3 has broader coverage than HO-2.

You should have a deductible of at least $1000. A higher deductible reduces your rates, sometimes significantly, but means you will have to pay the deductible out of pocket if a claim is filed.

Common Causes of Claims

The most common causes of home insurance claims are theft, wind, non-weather-related water damage, hail, and weather-related water damage. These causes make up approximately 77% of all insurance claims. It is obvious why a homeowners insurance policy is necessary for the protection of your property and finances.

If your property is mortgage-free, it is still important to have coverage for your home. If you have a guest that is injured on your property, or your dog decides to bite a visitor, you will have liability protection to cover costs.

Give Us A Call

Highpoint Insurance Group in Dadeville AL can provide a quote or answer any questions you may have. Contact us today.

What are Some Classic Car Insurance Policies to Consider?

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If you own a classic car like the 1955 Chevrolet Cameo, you must protect it. Whether it’s exhibited in a car show to arouse nostalgia or it’s for beautifying your garage, you will need classic car insurance. However, when it comes to classic cars, you need special insurance because traditional car insurance may be insufficient.

Classic car insurance protects your vintage or collector’s car when on and off the road. Highpoint Insurance Group in Dadeville, AL can assist you with the coverage you need for your vintage vehicle. 

If you are a classic car collector, enthusiast, or owner, here are the insurance policies you need:

Liability car insurance:

Liability car insurance is a requirement in most states, including Alabama. It pays for injuries and damage to others. Liability coverage also pays for legal costs if you get sued after an accident.

Collision and comprehensive policy:

These policies guard your vehicle against numerous risks, including theft, collision, vandalism, riots, falling objects, and much more. Your physical damage coverage pays for the repairs or replacement of your vehicle up to your coverage limit.

Uninsured/underinsured motorist coverage:

It’s coverage that comes in handy when you get into an accident with someone without insurance or an underinsured person. This coverage also saves the day in hit-and-run incidents.

In addition to the above, classic car insurance has optional coverages that can be tailored to your needs. They include:

  • Automotive tools coverage and spare parts
  • Cherished salvage coverage
  • Disabled vehicle coverage
  • No attendance required
  • Restoration coverage

Get Coverage For Your Classic Car Today

A classic car is not just a vehicle but a collection of heritage and memories. Since it’s a significant investment, you don’t want anything to happen to your classic car. And one way of protecting it is by buying classic car insurance. Are you ready to protect your vintage in the greater Dadeville, AL community? Contact us at Highpoint Insurance Group for an affordable quote.

Can I Cancel My Renters Insurance Policy At Any Time?

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The answer is that it depends on your particular policy. Some policies allow for cancellation at any time, while others may have specific requirements or conditions that must be met first. The best way to find out for sure is to contact your insurance company and ask them directly. 

At Highpoint Insurance Group, we understand that life circumstances can change and that you may need to cancel your policy at some point. We also know that it can be confusing to try to figure out all the details on your own. That’s why we’re here to help! Our team of knowledgeable insurance experts in Dadeville, AL would be happy to review your policy with you and answer any questions you may have. 

Why You Might Cancel Your Policy 

There are a number of reasons why you might need or want to cancel your renters insurance policy. Maybe you’re moving to a new location where your landlord already has insurance in place. Or perhaps you no longer feel like you need the coverage, either because you don’t have many possessions or because you’ve decided to self-insure. Whatever the reason, if you do decide to cancel your policy, there are a few things you should keep in mind. 

First, most companies require advance notice before canceling a policy. This gives them time to process the cancellation and prevents any lapse in coverage. Second, if you have a claim on your policy that is currently in progress, canceling the policy will not affect the status of that claim. However, it is important to note that once a claim is paid out, the policy cannot be reinstated. 

Finally, it’s worth mentioning that some insurers may charge a cancellation fee, so be sure to ask about that before making a decision. 

Contact Us Today 

Canceling your renters insurance policy is not always as simple as just stopping payment—in most cases, there are specific steps involved, and certain conditions must be met first. The best way to find out what those are is to contact your insurance company directly and ask them. At Highpoint Insurance Group in Dadeville, AL, we’re always happy to help our customers understand their policies and make the best decisions for their needs.

How to Choose the Best Motorhome Insurance Agent for Your Needs

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Are you in the market for a new motorhome insurance policy? If so, you may be wondering how to choose the best agent for your needs. While it can be tricky to decide which company is right for you, there are a few things you can do to make the process easier. Highpoint Insurance Group in Dadeville, AL can offer guidance on this important insurance coverage.

Here are some tips on how to choose the best motorhome insurance agent for your needs:

Ask for Recommendations

One of the best ways to find a good motorhome insurance agent is to ask for recommendations from friends or family members who own motorhomes. Chances are, they have already gone through the process and they can give you some insights.

They will also give you a list of good insurance agents they’ve encountered in their search for coverage. This way, you can be sure that you are getting the best possible coverage for your needs.

Research Different Companies

Once you have a few recommendations, it’s time to research different insurance companies. You can read online reviews, talk to friends or family members with RV insurance, or even call around and get quotes from different companies. This will help you get a feel for what each company offers and what they might be able to do for you.

Check Out Their Online Reviews

When looking for a new motorhome insurance agent, it’s essential to check out their online reviews. This will give you an idea of what other people have thought about their experience with the company. It’s also an excellent way to get a feel for their customer service.

You can find online reviews by doing a quick search on Google or another search engine. Just type in the name of the company and "reviews," and you should be able to find what you’re looking for.

Work With the Best Motorhome Insurance Company

Finding the right insurance company for your motorhome can be challenging, but it’s worth the effort. By following the tips above, you can be sure that you’re getting the best possible coverage for your needs.

If you’re looking for motorhome insurance coverage, be sure to check out Highpoint Insurance Group in Dadeville, AL. We are a leading provider of RV insurance in the area and can help you get the coverage you need. Contact us today to learn more about our policies.

Top Tips for Getting the Most Out of Your Motorcycle Insurance Policy

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Your motorcycle is your pride and joy. It’s your ticket to freedom on the open road. But what happens if something goes wrong? If you’re in an accident or your bike is stolen, you’ll need to have good motorcycle insurance in place to make sure you’re covered. 

There are a lot of different motorcycle insurance policies out there, so it’s important to do your research before choosing one. Highpoint Insurance Group in Dadeville, AL offer this guide on navigating this important insurance coverage.

Here are a few tips to help you get the most out of your motorcycle insurance policy:

1. Make Sure You Understand the Coverage Options Available

There are a lot of different motorcycle insurance coverage options available, so it’s important to make sure you understand what each one covers. One of the most important coverage options is liability insurance, which will protect you financially if you’re found at fault in an accident.

Other coverage options include collision and comprehensive insurance, which will cover damage to your motorcycle if it’s caused by an accident or theft. You may also want to consider add-on coverage such as medical payments or roadside assistance.

2. Compare Motorcycle Insurance Quotes

Once you know the different types of coverage available, you can start shopping around for motorcycle insurance quotes. It’s important to compare quotes from a few insurers to ensure you’re getting the best deal. When comparing quotes, be sure to look at more than just the price. Also, pay attention to the insurer’s financial stability, customer service record, and coverage options.

3. Read the Fine Print Carefully Before You Purchase a Policy

Once you’ve found an insurance policy that looks like a good fit, read the fine print carefully before purchasing it. This is especially important if you’re buying an online policy.

4. Review Your Policy Regularly and Make Adjustments as Needed

Your motorcycle insurance needs may change over time, so it’s important to review your policy regularly and make adjustments as needed. For example, if you move to a new state or buy a new motorcycle, you’ll need to update your policy.

And if you have any changes in your riding habits, such as taking up long-distance touring or joining a motorcycle club, be sure to let your insurer know so they can adjust your coverage accordingly.

Give Us A Call

As you can see, there are a few things you should keep in mind when it comes to motorcycle insurance. By following these tips, you can ensure you’re getting the most out of your policy.

If you’re looking for motorcycle insurance, Highpoint Insurance Group in Dadeville, AL can help. We offer a wide range of coverage options to choose from, so you can be sure you’re getting the coverage you need. Contact us today for a free quote.