What To Know About Umbrella Insurance and False Imprisonment

Posted on October 31, 2025October 23, 2025 by admin

You might think that most people who worry about false imprisonment are those in the highest risk positions, but that doesn’t always mean that everyday people aren’t sometimes wrongfully arrested. Here, we’ll look at how umbrella insurance can help you balance the potential costs and give you a little peace of mind during a very trying time.

How Umbrella Insurance Can Help

Consider why you might have someone wrongfully arrested. For example, a small business owner might wrongfully assume that someone is stealing. And even if the person is only detained for an hour, they might sue. The costs to fight the suit might end up being far more than the business owner’s commercial insurance covers. At Surety Ins Inc., we can tell you that this is where umbrella insurance in Alabama can help. It can help cover everything from court costs to attorneys fees.

Why It Matters

Umbrella insurance is coverage that can help you avoid the long-term financial costs of errors. An error might small at the time, but it can have real-world consequences that far exceed what you expected. Umbrella insurance picks up where your commercial coverage drops off, and this is true for many personal injury claims.

At Surety Ins Inc., we help people in Alabama understand how umbrella insurance offers additional protections beyond their current coverage. If you have questions about how umbrella insurance works, it helps to talk to us about your options.

What If The Water Damage Is From A Hurricane?

Posted on September 30, 2025September 23, 2025 by admin

Flood insurance is often considered essential in Alabama, as flooding is the second most common natural disaster in the state. According to Alabama Flood Facts, Alabama receives an estimated 56 inches of rainfall annually, making areas near bodies of water, such as rivers, prone to flooding. Floods often occur in conjunction with other hazards, such as hurricanes, which can complicate insurance coverage.

Hurricane Coverage

Hurricane policies are designed to cover damage caused by hurricanes, including wind damage, broken windows, and the replacement of damaged property. If water damage results from a hurricane, the appropriate hurricane policy would provide coverage.

For instance, imagine gusts of wind tearing shingles off your roof, allowing rain to enter your home and cause water damage. This type of damage would be classified as hurricane-related, and the proper policy would cover it. It is essential to note that this water damage is not classified as flooding.

Many homeowner’s insurance policies include coverage for wind and hurricane damage. However, it’s essential to consult with an agent at Surety Ins Inc. to confirm the specifics of your policy.

Flood Coverage

Flood insurance covers explicitly damage caused by rising water. For example, if a hurricane results in heavy rainfall that causes a lake or river to overflow, leading to flooding and property damage, flood insurance would typically be applicable. This type of policy exclusively covers damage caused by rising water.

Understanding the nuances of insurance policies, coverage, and natural disasters can be a challenging task. In some cases, you may need to file claims under multiple policies to address damage from a single incident. Agents at Surety Ins Inc. are available to help you navigate these complexities. Contact us today to learn more. We proudly serve Alabama residents.

Are There Different Insurance Policies for Electric Cars?

Posted on July 31, 2025July 23, 2025 by admin

Many misconceptions surround electric cars. If you’re considering buying one, it’s important to separate fact from fiction. One common misconception is that electric vehicles require a separate insurance policy in Alabama. If you’ve recently purchased an electric car, Surety Ins Inc. can help you find the best auto insurance to meet your needs.

You Don’t Need a Separate Auto Insurance Policy

Auto insurance policies for electric vehicles are written in a similar manner to those for gas-powered cars. This is because all vehicles—whether gas-powered, hybrid, or electric—have similar coverage needs. Every driver requires basic coverage, including bodily injury liability, property damage liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage. These needs remain the same regardless of the type of car you own.

However, owning an electric vehicle can impact the cost of your premium. This is due to the inherent differences between electric and gas-powered cars, which influence the risks perceived by insurance carriers. While you don’t need a separate policy for an electric vehicle, these differences often result in higher premiums.

Electric Vehicle Differences

The primary factor affecting insurance premiums for electric vehicles is their initial cost. Electric cars are generally more expensive than their gas-powered counterparts, which leads to higher premiums. This principle applies to any car with a higher price tag. Additionally, other factors contribute to increased premiums for electric car owners:

Specialized parts that are more expensive to replace
Costly batteries
A limited number of technicians skilled in electric vehicle repair and maintenance

Despite higher insurance premiums, many electric vehicle owners find that savings on gasoline offset these costs.

Get started on your electric vehicle auto insurance policy by contacting Surety Ins Inc., proudly serving Alabama residents. Contact our office today to schedule an appointment.

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