Things To Do Now And Prepare For Warmer Weather

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How to Prepare Your Home for The Upcoming Warmer Weather

As the snow melts away and the temperature gradually edges towards comfort, there is a checklist of tasks you need to accomplish around your property to gear up for the impending warmth. Let’s review those tasks one by one.

Clean Out Your Gutters

Ahead of the warm showers, ensuring your gutters are devoid of any blockages is critical. Winter months can lead to a buildup of waste from trees, wildlife, and the weather, causing your gutters to fill or obstruct.

Repaint Your Deck and Exterior

Intense heat can make your deck cumbersome to clean—a chore you may continually postpone. If your deck requires a paint job, you could risk it cracking or buckling from the heat unless it’s promptly addressed. This principle also applies to other parts of your home’s exterior that need painting.

Undertake a Power Wash Session on Your Home

Regardless of your home siding type, power washing your house is recommended at least bi-annually. As this activity can be laborious and require prolonged sun exposure, tackling it during spring, before the arrival of high temperatures is advisable. Power washing helps rid your home of any unwanted dirt and mildew that may have accumulated over the winter.

Inspect Your HVAC System

While attending to your gutters and power washing your home, don’t forget to check your HVAC system for any visible damage or leaks. If necessary, a swift inspection and prompt repair can save you a headache as the weather warms up.

Need a Quote for Home Insurance?

If you reside in the Mountain Home, AR vicinity and are on the market for a quote on home insurance, connect with our team at Affordable Insurance Inc today. We’re here to help you gain peace of mind about your property’s protection.

Three Great Reasons to Get Full Coverage Auto Insurance

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When you get car insurance, you’ll be faced with the decision of whether to get liability insurance or full coverage. While full coverage costs more, it offers many benefits that can be very beneficial in the event of an accident or breakdown. 

If you’re shopping for car insurance, the experts at Affordable Insurance Inc., serving Mountain Home, AR, can help you decide which type of auto insurance is right for you.

Below are three great reasons to get full coverage auto insurance for your vehicle:

1. Probably required if you have a loan or a lease.

If you’re buying a new car or a pre-owned vehicle with a loan, or if you’re leasing a vehicle, then full coverage is likely a requirement in order to drive your vehicle off the lot. If you’re getting a loan, your bank should give you specific instructions about the type of insurance you’re required to get. Your car dealership will give you instructions for a lease. Either way, plan to get full coverage.

2. Can help you avoid a large mechanic bill after an accident.

If you have auto liability insurance only, then you’ll be paying to repair your own vehicle after an auto accident if you are found at fault. Getting full coverage makes it easier to get your car repaired.

3. Offers many extra benefits that you can’t get from liability insurance.

Full coverage auto insurance often offers many extra benefits like certain roadside assistance benefits and uninsured motorist coverage. This means that you’re extra protected on the road. 

Have questions about whether full coverage auto insurance is right for you?

Contact Affordable Insurance Inc., serving Mountain Home, AR, to find out more about full coverage policies and to get a quote. 

How to Back Up Your Renters Insurance Claim

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The time to buy renters insurance is the first day you move into a rental. When you suffer a loss or damage, it’s too late to turn back time and wish you’d purchased this value type of insurance from Affordable Insurance Inc. serving Mountain Home, AR. If it does come down to making a claim, here are some ideas to back it up.

How to Back Up Your Renters Insurance Claim

Keep Your Receipts

Whenever you buy something new for your rental, be sure to keep your receipt. You aren’t just keeping it in case you need to make a return or exchange. That receipt proves two things: One, that you own the item, and two, the retail value of the item. If it’s lost or damaged, you can submit the receipt with your claim to expedite the process.

Take Photos

It sounds redundant, but having a photo with you and your possession also helps to prove ownership—and the condition of your item—in the event that you end up having to make a claim on your renters’ insurance in Mountain Home, AR.

Make a Police Report

Some people are cynical about filing a police report when a possession is stolen. They figure that the police have better things to do than look for a stolen bike, etc. But filing a police report adds gravitas to your renters’ insurance claim. In addition, if your stolen item is recovered, the insurance company can recoup its own costs for compensating you for the claim.

Obtain a Replacement Cost

Your insurance company will need to know how much it would cost you to replace the item. Get three quotes and be prepared to submit them along with your claim.

Call Today To Discuss Your Options

If you have questions about renters insurance or need help with filing a claim, contact your insurance representative at Affordable Insurance Inc. today.

Which types of vehicles are covered by RV insurance?

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Determining which vehicles are covered by RV insurance may seem difficult; the answer is more straightforward than it first appears. Of course, the Affordable Insurance Inc. team serving the Mountain Home, AR area can answer all your questions and ensure you have the RV coverage you need.

RV Types and Insurance

RV insurance covers four RV types that can overlap in their appointments.

Class A RVs are top-of-the-line models that are up to 45 feet long. Built on a commercial truck or bus chassis, they are often viewed as a house on wheels, sleeping up to 8 people. A typical Class A RV has a full kitchen, bathroom with showers, washer and dryer, full-screen TV, and many other amenities. 

Class B RVs are built on full-size van frames and resemble delivery vans. Standard outfitting includes a galley with a burner, a small refrigerator, a bathroom, and living and sleeping space for 1 or 2 people.

Class C RVs fall between Classes A and B in length and weight and are built on a small truck or cutaway chassis. They often have sleeping space overhanging the cab, while their amenities range from near-luxury to modest.

A Towable RV, or fifth-wheel camper, is pulled by trucks with a fifth-wheel attachment and substantial towing capacity. Towable RVs can be as large and luxurious as many Class A RVs. Unlike the other RVs, the towable’s insurance covers only the RV. The truck’s insurance covers the liability and other insurance needs.

We Are Here To Help

Our team at Affordable Insurance Inc., serving Mountain Home, AR will help you address your RV or other insurance needs. So, give us a call or stop in today to ensure you and your RV have the right coverage.

Understanding Motorcycle Insurance

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As a motorcycle rider in Mountain Home, AR, you’ll be interested in knowing more about motorcycle insurance and ways carrying insurance from a company such as Affordable Insurance Inc. can benefit and protect you. As a responsible rider, you’ll want to carry motorcycle insurance before you take your motorcycle on the roadways.

This insurance will offer you financial protection in the event of collisions, theft, or vandalism to your motorcycle and liability coverage to protect your assets in case you injure someone else or damage their property. 

Factors That Determine Coverage Provisions

Type of Motorcycle: The year, make, and model of the motorcycle will play a big role in determining your insurance coverage.

Your Age and Experience: Your age and the amount of experience you have with regard to driving motorcycles also help determine the coverage you need. 

Your location: The location you live in also helps determine the rates you pay. If you live in a big city, then the risks may be higher because there will be an increased chance of claims. 

The Benefits of Carrying Motorcycle Insurance

The biggest benefit to carrying motorcycle insurance as a rider in Mountain Home, AR that’s provided by a company such as Affordable Insurance Inc. is knowing that you’re following the law.

You will also have the peace of mind of knowing that you will be protected against certain types of losses. For example, if your motorcycle is stolen, and you carry full coverage on it, then you can be compensated for the loss, so you can replace the motorcycle. You will also be protected from being sued. 

Four things to consider when you update your boat insurance policy

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Making changes to your boat insurance policy can help ensure that your boat’s value is protected and you’re covered for the liability risks you face out on the water. Affordable Insurance Inc. is an insurance provider covering boat owners in Mountain Home, AR. We can help you make sure that your boat insurance policy is customized to your unique needs.

We encourage boat owners to periodically reevaluate their boat insurance coverage through the years.

The following are four things to consider when you update your boat insurance policy:

The navigational area in which you’ll be using your boat in the future

Your boat insurance provider needs to know where you plan to use your boat. Your insurance policy will only be in effect in certain navigational areas that the fine print of your policy specifies. You need to know the navigational limits of your policy. 

Modifications you’ve made to your boat

Modifying your boat can increase your boat value or make your boat safer. Both of these situations can impact your boat insurance premiums and your insurance coverage needs. 

Changes to your boat storage solution

Where you store your boat and the amount of time per year that your boat is in storage can impact your boat insurance costs.

When you update your policy, consider whether your boat storage practices are different than they were in the past. Notify your insurance provider of any changes. 

Changes in your financial situation

You might want to invest in more boat insurance coverage if you now have more funds available. Increasing the coverage on your boat insurance policy can end up saving you a lot of money in the long run if you have to file a claim. 

We Are Here To Help

At Affordable Insurance Inc., we’re here to answer any questions you have about boat insurance in Mountain Home, AR. Call us today if you’re interested in getting a quote on a boat insurance policy.

Flood insurance for homebuyers: what do you need to know before getting a policy

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If you are a homeowner and you want to protect your valuable investment, flood insurance is something that you need to consider. However, before buying a flood insurance policy, there are certain nuances you need to understand. Affordable Insurance Inc., serving the  Mountain Home, AR region, is here to assist with the things you should know when looking for flood insurance: 

Flood Insurance: Things You Should Know

  • Insurance costs. There are certain factors that might affect the cost of your flood insurance. The most common factors include the location of your property, elevation, flood risk, and the level of coverage you choose. 
  • 30-day waiting period. Most insurance companies selling flood insurance apply a 30-day waiting period. It means that you will have to wait 30 days before your flood insurance kicks in. Therefore, it is very important to buy flood insurance in advance. 
  • Risk assessment. Consider the property’s flood risk before buying any flood insurance policy. To find out whether the home is in a flood zone and whether it might experience flooding, consult flood maps and speak with local authorities or insurance agents.

Reach Out To Us

Are you a homeowner residing in Mountain Home, AR or any other nearby town in Arizona? Are you considering buying flood insurance to protect your valuable property? Do not hesitate to contact Affordable Insurance Inc. We specialize in different types of insurance, including flood insurance as well. Our knowledgeable and experienced insurance agents will answer your questions and provide you with the information you need. Feel free to call us or visit our website. 

Common Misconceptions about Commercial Insurance

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As a small business owner, you need accurate commercial insurance coverage to protect your business assets. Misconceptions about commercial insurance can cause you to make unwise decisions concerning your policy. At Affordable Insurance Inc., we’re helping small business owners in Mountain Home, AR make realistic insurance choices by bringing the following commercial insurance myths to light. 

Commercial Insurance Misconceptions

Myth: Your business isn’t big enough to warrant insurance coverage.

If your business is at risk of losing revenue due to theft, disaster damage, vandalism, etc., you need commercial insurance protection. By customizing your policy, you can obtain the protection you need without wasting money on unnecessary coverage.

Myth: Commercial insurance isn’t worth the cost.

Commercial insurance is an investment in your company’s future. Unless you can afford to pay for disaster damage, loss of inventory, or a lawsuit on your own, you need the protection that business insurance can provide. At Affordable Insurance, we’ll help you select the type and amount of coverage you need to avoid unnecessary costs.

Myth: General liability insurance protects your business against everything.

General liability insurance only protects you against liability mishaps that may occur when customers visit your business site. If, for example, a customer is accidentally injured or his vehicle damaged while visiting your warehouse, and you’re found at fault, liability insurance will pay for his medical or property damage costs. Liability insurance doesn’t cover damage to your building or property, loss of revenue, loss of inventory, employee injury, or other protection your business may need to keep you from financial loss.

Where to Buy Commercial Insurance Coverage

The right insurance coverage can help keep your business safe from financial ruin. At Affordable Insurance Inc., we can tailor your company’s policy to suit your unique business needs in Mountain Home, AR and surrounding communities. Contact us today for all your commercial insurance needs.

Tips to improve your home’s curb appeal

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It’s no secret that the curb appeal of your home here in the Mountain Home, AR area has a huge impact on how it is perceived and its overall value. People typically make decisions about a home in just a few seconds, so it’s important to make sure yours stands out from the crowd. For those looking to improve the curb appeal of their home, here are some tips from us at Affordable Insurance Inc to help you get started: 

Tips to improve your home’s curb appeal

1. Start with the front door.

A bright, vibrant-colored door can give your home an instant lift and give passersby a good first impression. To give your door extra character, consider adding house numbers, welcome signs or other small decorations that can bring personality to your entryway. 

2. Add plants and landscaping elements to your yard.

Adding a few well-chosen plants and shrubs will add color and texture to your yard that can really enhance its beauty. If you don’t want to permanently plant anything, opt for potted flowers or hanging planters instead. 

3. Paint or replace old shutters and window frames.

This is an easy way to instantly transform the look of your home without breaking the bank. If painting isn’t an option due to time constraints or budget restrictions, consider replacing them entirely with more modern designs for a fresh update that won’t go unnoticed! 

4. Upgrade lighting fixtures outside your home.

Lighting at night can really bring out the best features of a property, so investing in quality outdoor lighting is worth considering if you want people to notice your home day or night! 

Keep Your Home Insurance Policy Updated

For more tips, give us at Affordable Insurance Inc a call today. We are proud to serve the Mountain Home, AR area.

Will renters insurance cover the repair or replacement of my cell phone if I accidentally drop it in the kitchen sink?

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Similar to homeowners insurance, renters insurance covers many areas for people who live in rented spaces. This insurance is designed to provide liability coverage, as well as coverage for your personal belongings if they’re damaged or stolen. Our team at Affordable Insurance Inc takes pride in helping Mountain Home, AR renters get the protection and coverage they need through renters’ insurance. 

What is Renters Insurance?

Renters insurance is designed to provide coverage for your personal belongings in your rented space. Typically, renters insurance will cover your personal belongings in a house or apartment that you’re renting. Your personal belongings are protected from damage, theft, and vandalism.

For example, if your personal items are stolen from your car, these items will be replaced even though they weren’t stolen from your rented space. The coverage extends to the personal items in your car as well. 

However, renters insurance differs from homeowners insurance in that it will not cover your dwelling or the structure of your rented space. However, you will need to discuss the coverage terms of your rental insurance because some situations may not be covered by rental insurance. 

Will renters insurance cover the repair or replacement of my cell phone if I accidentally drop it in the kitchen sink?

Perhaps. Accidents you cause that damage your personal items aren’t typically covered by renters insurance. However, there may be some situations where accidentally dropping your phone in water might be covered.

The coverage guidelines and eligibility requirements will determine what’s covered by your renters’ insurance policy.

Looking for Insurance in Mountain Home, AR?

If you have questions about renters insurance, call us at Affordable Insurance Inc. We’d be happy to answer all of your questions.