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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.

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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.

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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.

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3 Misconceptions about RV Insurance

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When it comes to RV insurance, many consumers need to be made aware of how different it is from auto insurance. Our team at Affordable Insurance Inc serving the Mountain Home, AR area wants to help you make an informed decision when choosing the right policy for your recreational vehicle.

Here is a list of the three common misconceptions about RV insurance:

Misconception #1: RV Insurance is Just Like Auto Insurance

Many people mistakenly believe their auto insurance will cover them if they get into a motorhome accident or suffer property damage. However, this isn’t the case. Most auto policies provide limited coverage for RVs and exclude several damages, such as watercraft liability or vacation medical payments for injuries sustained while camping in an RV. If you have a recreational vehicle, obtaining an RV insurance policy that provides the right type and amount of protection is essential.

Misconception #2: RV Insurance is Unnecessary

Without proper RV coverage, you could be on the hook for costly repairs or medical bills if anything were to happen while using your RV. Additionally, many lenders require comprehensive coverage before they allow buyers to finance a recreational vehicle purchase.

Misconception #3: All RV Insurance Policies are the Same

While it’s true that most basic policies for the Mountain Home, AR area offer similar types of coverage, such as liability and collision protection, there are other important factors to consider when choosing an RV policy. For example, some policies may include additional benefits such as roadside assistance and vacation medical payments. It’s essential to read each policy’s fine print to ensure you’re getting the coverage that suits your individual needs.

Reach Out To Us!

At Affordable Insurance Inc, we understand that not all RV insurance policies are created equal. That’s why our knowledgeable agents will help you select an RV insurance policy that is tailored to your unique needs. Contact us today for more information about how we can help you keep your recreational vehicle protected!

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Types of Home Coverage Available to You

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When looking into home insurance, it’s important to ensure you understand the different types of coverage available. Affordable Insurance Inc. provides residents of Mountain Home, AR with reliable protection for their homes and personal belongings by providing comprehensive coverage for both homeowners and renters.

Dwelling Coverage: Protecting Your Home’s Structure

The first on our list is Dwelling Coverage. This type of coverage helps protect your home from damages due to certain risks, such as fire, severe storms and hail, lightning strikes, and more. It will also provide compensation for necessary repairs or replacement needed as a result of damage caused by these hazards.

Personal Property Coverage: Safeguarding Your Belongings

Personal Property Coverage is the second type of home coverage you should consider. This type of coverage helps to protect your belongings, such as furniture and appliances, in the event that they’re damaged or destroyed by covered risks. It can also provide assistance with replacing personal items if they’re stolen.

Liability Coverage: Covering Legal Expenses and Damages

The third type of coverage you should consider is Liability Coverage. This coverage helps protect you in the event that someone is injured on your property or if you’re sued for damages caused by you or a family member. It can provide assistance with legal defense costs, as well as help cover medical expenses and other related costs associated with an incident.

Additional Living Expenses Coverage: Providing for Temporary Relocation

Finally, you may also want to consider Additional Living Expenses Coverage. This coverage can help with the costs associated with temporarily relocating if your home becomes uninhabitable due to a covered risk and you need to stay elsewhere while repairs are being made.

We Are Here To Help!

These are just a few of the different types of home insurance coverage available through Affordable Insurance Inc., so make sure to speak with one of our skilled agents today to help you decide which type of coverage is right for your needs for your Mountain Home, AR property. With the right coverage, you can rest easy knowing that your home and belongings are properly protected in case of any unforeseen events.

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What coverage will come with auto insurance in Arkansas?

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Being a car owner in the Mountain Home, AR area is a necessity. When you have a car here, you will be able to get around the community and complete all of your daily responsibilities. As you are looking for a new car, you also need to ensure that you get the right insurance for it. A quality auto insurance plan in this part of Arkansas offers various forms of coverage and support. 

Protection for Vehicle

An important form of coverage that you will get with your auto insurance policy is protection for your vehicle. If you choose to purchase any type of vehicle, you need to make sure that it is covered in the event it is stolen or damaged. If you are insured, you will have the financial support to repair or replace the vehicle. Also, if you have taken out a financing loan when buying the car, you will need to carry auto insurance. 

Liability Coverage

Another form of insurance you get with an auto insurance plan is liability coverage. If you are going to drive a car, you could make a mistake that results in an accident. A great way that this risk can be mitigated is by getting a liability insurance plan. When you have this coverage, it will ensure you have the capacity to pay restitution for any damages that you may have caused. 

Give Us A Call

When you are looking for coverage for your car in the Mountain Home, AR area, it would be a great idea to call our team at Affordable Insurance Inc. When you do call our professionals with Affordable Insurance Inc, you can obtain customized support that will help you build a new plan. This will help ensure your car is properly covered at all times. 

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Do I Really Need Flood Insurance?

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Flood insurance is required in some cases, but not everyone is required to have flood insurance. Even if it’s not required, flood insurance can still be a good idea. At Affordable Insurance Inc in Mountain Home, AR, we offer flood insurance. 

When Flood Insurance is Required 

If you have a mortgage from a federally regulated back, including FHA, or the Federal Housing Authority, or the Veterans Administration, and your home is in a high-risk area, you are required to have flood insurance. 

If you have a private mortgage, your lender may require you to carry flood insurance as well. 

If you own your own home, you aren’t required to have flood insurance. Not all lenders require flood insurance, particularly if you are outside a high-risk area. 

Should You Get Flood Insurance If Not Required To?

If you aren’t required to have flood insurance, it can be tempting to go without it. 

However, flood insurance is still a good idea. Just one inch of flooding can cause up to $25,000 worth of flood damage. 

Even if you are in a low-risk area, flooding is still a possibility. The truth is, any area can flood under the right circumstances. 

 If you can’t afford to repair the damage a flood could cause, you should get a flood policy. Floods can cause thousands of dollars of damage, and in some cases, can destroy your home. 

Give Us A Call

If you need flood insurance in Mountain Home, AR and surrounding communities, contact Affordable Insurance Inc. We are here to meet all your insurance needs, including home and auto policies. Our agents will discuss your insurance needs and help you select the best policy for your needs. 

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Three things that will help you when you buy commercial insurance

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There are a few things that can really help when you buy a commercial insurance policy for your business in the Mountain Home, AR area. At Affordable Insurance Inc., we’ll come to your assistance so that you have plenty of resources to take advantage of when you buy commercial insurance.

The following are three things that will help you when you buy commercial insurance:

Doing a risk assessment

Conducting a risk assessment will help you determine what types of commercial insurance you need and how much coverage you need.

You can conduct a risk assessment to pinpoint the liabilities and potential causes of financial loss at your business. You will then be able to make more informed decisions about commercial insurance coverage for your company. 

Getting quotes from numerous providers

You should always compare costs among providers before you purchase any insurance policy. Find commercial insurance providers in your area and get quotes from them. You can compare these quotes and know you’re selecting a policy that offers value. We offer a comparative insurance quoting tool on our website for your convenience. 

Learning about the various types of commercial insurance that are available

Before you decide on your policy details, you need to understand all the types of coverage that commercial insurance entails. 

Some of the most important types of commercial insurance to carry are liability, commercial property, commercial auto, errors & omissions, and workers’ compensation insurance. You might need other types of coverage depending on your particular industry. 

Familiarize yourself with insurance types and make a list of all the types of coverage you need before you select a policy. 

Contact Us Today

Commercial insurance is critical if you want to be sure that your company will stay in good financial shape. Get a quote on a policy from Affordable Insurance Inc to find the insurance you need in Mountain Home, AR. 

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Prepare Your House for Winter

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As the leaves begin to change color and fall from the trees, it’s time to start thinking about preparing your house for winter.

Preparing your Mountain Home, AR house for winter doesn’t have to be a daunting task. By taking care of a few necessary items on your list, you can rest assured that your home will be protected all season long. And if you’re looking for comprehensive coverage for your home, look no further than Affordable Insurance Inc. We’re here to help you find the right policy for your needs so you can focus on enjoying the winter months ahead worry-free!

To prepare your house for winter, take the following steps:

Check Your Gutters and Downspouts

As the temperatures drop, it’s essential to ensure your gutters and downspouts are clear of leaves and debris. Clogged gutters can cause ice dams on your roof, leading to severe damage.

Inspect Your Roof

Your roof is one of the most critical parts of your home, so it’s crucial to inspect it regularly. Look for any missing or damaged shingles and ensure no leaks. Make any necessary repairs before the winter weather hits.

Protect Your Pipes

Frozen pipes are one of the most common problems homeowners face during winter. To prevent this, ensure all exposed pipes are adequately insulated. You should also keep your thermostat set to at least 55 degrees Fahrenheit.

Update Your Home Insurance Policy

One of the most important things you can do to prepare your Mountain Home, AR home for winter is to ensure your home insurance policy is up-to-date. At Affordable Insurance Inc, we can help you find a policy that fits your needs and budget. We understand that every family is different, so we offer various coverage options. Contact us today to get started!

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What types of events does rental insurance cover?

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You probably know that your rental insurance will cover you if your apartment is burglarized or damaged by a fire. Affordable Insurance Inc in Mountain Home, AR wants you to know that it can also cover you for floods, earthquakes, and even theft of personal belongings while you’re on vacation.

What types of events does rental insurance cover?

Burglary and Property Damage

If your apartment is burglarized, your rental insurance will reimburse you for the cost of any stolen items, up to your policy limit. It will also cover the cost of repairing any damage that was done to your apartment, such as a broken window or door.

Fire Damage

If a fire damages your apartment, whether it was caused by a cooking accident or something else, your rental insurance will again reimburse you for the cost of any stolen or damaged items, up to your policy limit. It will also help pay for any necessary repairs to your apartment.

Flood Damage

Even if you don’t live near a river or ocean, flash flooding can occur anywhere there is heavy rain. If your apartment is flooded, rental insurance can help pay for the cost of repairs as well as the cost of replacing any damaged or destroyed belongings.

Theft of Personal Belongings

Your rental insurance will also cover you if your personal belongings are stolen while you’re away from home on vacation. For example, if your laptop is stolen from your hotel room, your rental insurance will reimburse you for the cost of replacing it.

Contact Us Today

Renter’s insurance can cover a lot more than just damage to your apartment. If you have any questions about what does and does not fall under your policy’s coverage, be sure to contact Affordable Insurance Inc in Mountain Home, AR for more information.

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