Name: Surety Ins Inc
Address: 900 Western America Circle, Ste. 202, Mobile, AL, 36609
Telephone: 251-305-4990

RV Insurance is the Right Choice for Your Vacation Adventures

Posted on March 28, 2024March 28, 2024 by admin

Your travel adventures can be monumental and pleasantly unforgettable when you couple them with a reliable insurance plan. Are you residing in Alabama and exploring options for RV insurance? You’re in the right place. Surety Ins Inc. is committed to providing the protection you deserve. This way, you’ll be able to savor each beautiful sight and location of interest rather than worry over potential protection hitches. Whether your RV has been a loyal company for eternity or is a recent addition, the important factor remains that you need the right insurance.

Why Choose Surety Ins Inc. For RV Insurance?

You do not have to grapple with the complexities of finding the optimal policy alone. Our skilled agents will provide you with relevant information and present you with multiple insurance quotes. This allows you to effortlessly compare and ask all the pressing questions. Having a qualified agent at your disposal makes deciding on an appropriate policy easier.

Feel More Confident On The Road

With a robust policy in place, you’ll enjoy improved confidence in embarking on longer trips or spending more time traveling. Some people live in their RVs full-time; they can seize any moment to travel to any desired location. Whether you’re in this category or the RV serves you a few weeks a year, we have the right policy to meet your specific needs and provide absolute protection while on the road.

Contact Us Today!

Connect with us at Surety Ins Inc. today if you need RV insurance in the state of Alabama. We’ll ensure you get tailored coverage based on your RV type, frequency of use, and other integral factors. The invaluable peace of mind accompanying a quality RV policy is just a call away; we’re here to help you attain it.

Four Motorcycle Insurance Misconceptions Demystified

Posted on February 28, 2024February 23, 2024 by admin

Clarifying Common Misconceptions About Motorcycle Insurance

Motorcycle insurance provides essential financial protection for motorcycle owners and operators against potential losses from accidents or unforeseen events. At Surety Ins Inc., Alabama’s knowledgeable insurance professionals, we are aware that certain misconceptions may lead riders towards inadequate insurance coverage. Below, we debunk these misunderstandings.

Four Motorcycle Insurance Myths Busted

The following are some commonly believed misconceptions about motorcycle insurance and the reality behind them.

My car insurance auto-covers me when driving my bike: Motorcycles come with unique risks requiring specialized insurance. Therefore, car insurance may not fully cover bike-related accidents.
I don’t need Motorcycle Insurance, I have another vehicle: Motorcycle insurance is legally required regardless of the frequency of use. Ignoring insurance might lead to legal implications.
My bike is old, Comprehensive/Collision coverage isn’t necessary: Age or value of the bike does not negate the need for collision or comprehensive coverage. These become crucial for financial protection against accidents, theft, natural disasters, or other covered events.
Minimum Liability is enough: Considering the financial repercussions from property damage or medical expenses resulting from an accident, minimum liability coverage might not provide sufficient protection in case of a severe accident.

Find the Right Motorcycle Insurance in Alabama

Don’t leave your investment unprotected in the face of potential losses from an accident. For more information on motorcycle insurance choices in Alabama, contact a licensed representative at Surety Ins Inc. at 251-305-4990 or online.

How to Increase Boating Safety

Posted on January 22, 2024January 24, 2024 by admin

Operating a boat can be a lot of fun. However, it is important to take steps to increase boating safety. Unfortunately, boating accidents and other incidents can occur. People could end up hurt and property could be damaged. This makes it crucial to take steps to reduce the risks of accidents and also to ensure that you are covered with the appropriate boating insurance policy. If you’re looking for boating insurance in Alabama, feel free to contact Surety Ins Inc.

A Closer Look at Increasing Boating Safety

The right steps can mitigate many risks when operating a boat. First, you’ll want to make sure that your boat is in good working order and that there are enough life jackets for everyone on board. You should also check the weather before hitting the water. If there is a risk of high wind, storms, or whatever else, you’ll have to exercise extra caution.

Further, make sure you always have at least one reliable communication device on board and safely secured. Should you end up in an accident or another emergency arise, it may be crucial to contact the authorities right away for assistance.

It’s also crucial that anyone who is operating the boat is properly trained. Parents who plan to let their kids drive (once they reach the required age and have a license) need to closely supervise their children and ensure that they understand not only how to operate the boat but that they know how crucial it is to exercise safety.

Every boat should be insured. The right insurance plan can protect your property, provide funds for medical care, and otherwise help you mitigate risks. Of course, it’s essential to closely review any boating insurance policies you’re considering.

Reach Out To Us

If you live in Alabama and are considering boat insurance policies, get in touch with Surety Ins Inc.

Unveiling the Mystery: Understanding Umbrella Insurance in Plain Language

Posted on December 20, 2023December 31, 2023 by admin

Welcome to the world of insurance, where protection meets peace of mind. In the heart of Alabama, Surety Ins Inc. is your trusted partner in navigating the intricate landscape of coverage. If you’re pondering the concept of "umbrella insurance," let’s unravel the mystery and explore how this added layer of security can be your shield in unexpected storms.

Understanding Umbrella Insurance

Umbrella insurance acts as an extra layer of security that goes beyond the standard coverage of your home or auto insurance. It’s the safety net that catches you when the unexpected happens. In Alabama, life comes with its own unique set of experiences, and having that additional layer of protection can make all the difference.

Tailored Coverage for Alabama Residents

Living in the heart of Alabama requires insurance coverage that understands the local nuances. This tailored umbrella insurance coverage suits the specific needs of Alabama residents, whether it’s protecting your home against unforeseen events or ensuring your vehicles are safeguarded. Our coverage extends beyond the ordinary to provide you with the peace of mind you deserve.

Why Choose Our Insurance Services?

With years of experience and a commitment to the Alabama community, we stand out as a trusted insurance partner. Our friendly and professional team is ready to guide you through the intricacies of insurance, ensuring you get the coverage you need without unnecessary complexities.

Call Today to Secure Your Peace of Mind

Ready to secure your peace of mind? Call us at Surety Ins Inc. today to learn more about our umbrella insurance coverages or to obtain a personalized estimate. Our experts are here to answer your questions and help you navigate the path to comprehensive protection.

How Can Homeowners Get Flood Insurance?

Posted on November 17, 2023November 30, 2023 by admin

Homeowners in Alabama sometimes face the threat of floods, but flood coverage is commonly excluded from standard homeowners insurance policies. Here’s how homeowners in the state can get flood insurance.

Understanding Flood Insurance Basics

Flood insurance isn’t typically included in standard homeowners insurance policies. It’s a separate policy that covers damage to your home and belongings caused by flooding. This insurance is especially important in flood-prone areas of Alabama.

Steps to Get Flood Insurance:

Getting flood insurance is a simple process, but you generally have to do it before potential flooding is imminent:

Assess Your Flood Risk: Check flood maps for your area to understand your risk level. Our agents at Surety Ins Inc. can help you check FEMA flood maps.
Find the Right Provider: Flood insurance can be purchased through the National Flood Insurance Program (NFIP) or private insurers. NFIP policies have set coverage limits. For more extensive coverage, consider a supplemental policy from a private insurer. Our agents can help you explore both options.
Consider Waiting Periods: NFIP policies typically have a 30-day waiting period from the date of purchase before the policy goes into effect. Private insurers usually also have waiting periods. This is why a policy is needed before a flood.
Purchase Policy: Actually purchase your chosen policy. Again, our agents can assist with this.
Send to Lender: If your lender requires flood coverage, give your insurance agent the lender’s address. They’ll send over documentation showing that coverage has been purchased.

Surety Ins Inc. Is Here To Help

If you need assistance with flood insurance, contact us at Surety Ins Inc. Our team is dedicated to helping you understand your flood risk, and we’ll make sure you find the right insurance solution to protect your home.

Does My Condo Insurance Policy Cover My Work-From-Home Business?

Posted on October 20, 2023November 1, 2023 by admin

Condo insurance policies protect against losses involving the internal structure, personal belongings, and liabilities. Condo insurance does not cover work-related tools and equipment, so if you live in a condo and have a work-from-home business, you should verify your coverage with your insurance provider. Our Surety Ins Inc. team, serving Alabama, will happily discuss your condo and business insurance coverage with you.

Condo Insurance and Working From Home

Generally, condo and home policies offer some protection for "side-hustle" businesses operated from home, but this coverage often covers only $2,500 in business assets. Employees who work from home can expect the company’s insurance to cover their business assets, though it is best to confirm each employer’s policies.

A partial list of the conditions suggesting you should supplement your condo insurance with appropriate business coverage includes:

-Customers sometimes visit your condo

-You have inventory or supplies at your condo or elsewhere

-Damage to your condo would interrupt your business and revenues

-You have employees

-You keep computerized client or employee records

Each situation is unique, but if those conditions apply to your case, you may want to consider one of several commercial insurance options based on the nature of your business:

-Adding a business property endorsement to your condo policy ($5,000 limits are standard)

-In-home business insurance provides property coverage, liability protection, and other commercial coverage for businesses with less than $250,000 in revenues.

–Business Owner’s Policy (BOP) provides a range of commercial insurance coverage and is generally used by businesses with revenues exceeding $250,000.

Working with Surety Ins Inc

Surety Ins Inc. proudly serves business owners renting or owning condos and homes in Alabama. So, call or stop in today to ensure you adequately protect your personal and business assets.

What should I do if I am in an auto accident in Alabama?

Posted on September 22, 2023October 3, 2023 by admin

Getting into an auto accident is scary. Even if you are not injured, you will probably feel anxious and could even go into shock. That is why knowing what to expect if you are ever in an accident in Alabama is so important. That way you will know what to do and can do what you need to do without thinking about it. We at Surety Ins Inc. understand that anyone can be in an accident, even if it is not your fault.

Legal Requirements After an Accident

You are only legally required to report the accident to the police if there is injury or death. Otherwise, you can exchange information with the other involved parties. Even if the accident is very minor, make sure you get all the information you need from the other party, including:

name of the driver
driver’s license number
address
phone number
license plate number and
the insurance company and policy number of the driver.

Even if you don’t think you need to call the police, you should call them anyway. A police officer will collect information from all the parties and create an accident report with all the details. That way the other parties involved in the accident can’t change their stories later or claim that there was more damage than there really was.

Document the Incident With Pictures and a Doctor’s Visit

Collecting this kind of evidence right after the accident will also help you preserve any claims you have. Take pictures with your phone and go to an emergency care location right away. Save all your documentation and show your insurance agent.

Surety Ins Inc. wants to help all our Alabama drivers stay safe. If you have any questions, please call today.

The Wide Variety of Commercial Insurance

Posted on August 25, 2023September 11, 2023 by admin

New business owners might read the term commercial insurance and think it refers to one policy, but the term refers to a category of insurance containing more than 25 types of policies. Each business builds a custom commercial policy that suits its specific needs.

Your Commercial Policy Package Foundation

Surety Ins Inc. offers Alabama business owners policies (BOPs) that provide the most common four policies for businesses at a lower premium payment than they would cost separately. It contains the following policies:

General liability
Perils
Business property
Business interruption.

This BOP offers a foundation for adding other policies specific to that business’s needs.

What Can You Add to a BOP?

You can customize your commercial coverage with numerous types of policies that protect specialized aspects of your business. These options include coverage for:

Glass
Malpractice
Errors and omissions (E & O)
Commercial auto
Inland marine
Workers compensation Commercial umbrella
Directors and officers (D & O)
Cyber Liability
Boiler/furnace.

Many other types of commercial policies abound, but most businesses purchase a mixture of the above-named coverage types.

Which Types Does My Business Need?

Every business differs, so we suggest an intake consultation in which we interview you about your business to determine your needs. For example, a dance studio needs glass insurance to cover its many floor-to-ceiling mirrors. A storefront with plate glass windows would also need this coverage.

Any medical or legal professional needs malpractice insurance. Cyber liability would also offer a smart coverage type for either, but especially medical professionals who must adhere to HIPAA regulations.

A restaurant or bakery that makes its own deliveries requires commercial auto coverage. Any type of business that owns a building with a boiler or furnace needs boiler/furnace coverage.

Contact Us for More Information

Set an appointment for your coverage review with Surety Ins Inc. today. Don’t let your Alabama business go uncovered.

New Homeowners: Don’t Compromise on Home Insurance!

Posted on July 21, 2023August 1, 2023 by admin

Buying a home in Alabama is an investment for your future. Home insurance is key to protecting this investment long-term. If you have a home mortgage, your lender will require home insurance coverage for the length of your loan. A customized home insurance policy from Surety Ins Inc. will safeguard you from theft, fire, vandalism, and other disasters that may befall your property.

Importance of Adequate Home Insurance Coverage

As a new homeowner, you may be tempted to skimp on insurance coverage to reduce premium costs. Skimping on insurance, however, can compromise your coverage, which may cost you more in the long run.

A standard home insurance policy generally offers three types of coverage: dwelling, property, and liability protection.

Dwelling insurance covers repairs to your home structure if it’s damaged by a covered peril like fire, lightning strike, hurricane, or tornado. Insufficient coverage could result in your having to pay for most of the damage out of pocket. If your coverage is less than the replacement cost value of your property, you could suffer substantial financial loss if your home is totally destroyed in a disaster.

Property insurance protects your belongings. Ideally, this coverage should be enough to replace costly goods if they’re stolen or damaged in a disaster, so you don’t have to replace them on your own.

Liability insurance protects you against accidental injuries to guests while visiting your property. If you host a BBQ and a guest is injured in a slip and fall, liability insurance will pay his medical bills. If a serious injury leads to a lawsuit, liability insurance will protect you financially by covering your legal bills and judgment.

Customize Your Home Policy

By customizing your home policy, you can obtain quality coverage at affordable costs. To learn more about home insurance protection for your Alabama home, contact Surety Ins Inc.

Tap To Get A Quote On Homeowners Insurance!

What is a surety bond? Why would you need one?

Posted on June 16, 2023July 3, 2023 by admin

A surety bond refers to a legal and binding contract that serves as a financial guarantee that an individual will fulfill their obligations. The licensed insurance professionals at Surety Ins Inc. of Alabama offer various surety bonds, and the following short guide explains what a surety is and when you would need one.

Who are the Named Parties in a Surety Bond?

Surety bonds offer protection to the obligee from financial loss in the event that the principal fails to fulfill their legal commitments.

The Principal – the party needing the bond.
The Obligee – the party requiring the bond.
The Surety – the party providing the bond.

If the principal fails to meet the defined terms, the obligee has the potential to make a claim against the bond for losses.

What is the Purpose?

Surety bonds can be required by private companies, individuals, or even government agencies as they offer financial assurance that a commitment will be fulfilled. These bonds are often used in these situations –

Construction Projects.
Licensing & Permit Requirements.
Court Proceedings.
Public Contracts.
Business Operations.

Types of Surety Bonds

Here is a partial list of available surety bonds; each serves a specific purpose-

Contract Surety Bonds

These types are typical in the construction industry and ensure that construction firms fulfill their contractual obligations.

License & Permit Bonds

Government agencies require these as a condition for obtaining licenses.

Court Bonds

Court bonds are often required in legal proceedings to offer financial assurance.

Commercial Bonds

These bonds are used in various business operations to protect against potential fraud/dishonesty.

Contact a Leading Surety Bond Provider Today

For more information about available Alabama surety bonds, contact the licensed professionals at Surety Ins Inc. today – we are happy to help!

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