Boat Insurance FAQs

Posted on February 14, 2023February 14, 2023 by admin

Many people like to do recreational activities in the summer, such as boating, waterskiing, and swimming. With each activity, there are things you should do to keep yourself and your finances safe. One way to keep your finances safe when you are out on a boat is to have insurance. Surety Ins Inc is here to assist Alabama boat owners in getting vital coverage for their watercraft.

Here are some answers to popular questions about boat insurance:

What is not covered by boat insurance?

Boat insurance will not cover damage from insects, marine life, mold, general wear and tear, or maintenance.

How much coverage should you have on a boat?

Professionals recommend that you have at least $1,000,000 of liability for a power boat and a minimum of 100,000 for a small sailboat. The amount of insurance you need depends on several factors, such as the size of the boat, your assets, and your risk factors.

What types of coverage are typical in a boat owner’s policy?

The types of coverage offered in a policy depend on the insurance company, but several types of coverage are similar across the board. These include liability, personal effects, uninsured/underinsured, and comprehensive and collision.

What happens when insurance totals your boat?

If the insurance company totals your boat, they usually pay the actual cash value or the insured value. Whichever cost is lower is the one they will pay you.

Does boat insurance cover hitting a dock?

In most cases, boat insurance will cover damage to the dock if you hit it. You must check your policy, though, to be safe.

Give Us A Call

If you own a boat and need insurance for it, contact us at Surety Ins Inc. We are here to assist Alabama boat owners.

Should You Get an Umbrella Insurance Policy if You Have Car Insurance?

Posted on January 18, 2023January 24, 2023 by admin

Purchasing umbrella insurance from Surety Ins Inc can save you when a misfortune happens. Umbrella insurance offers a higher protection limit as compared to underlying traditional policies. Umbrella insurance is a powerful stand-alone burden coverage that offers additional limits to other chief policies like auto and homeowners insurance.

Acquiring umbrella insurance in Alabama leverages a policyholder by providing extra protection beyond covering your assets. Moreover, the litigious circle we flourish, especially in Alabama, prompts one to possess an attractive financial plan in the event a third party accords you with a shocking lawsuit.

Please contact our experienced agents at Surety Ins Inc today. Our professional representatives will assist in forging cemented umbrella insurance that will come in when your underlying protection is depleted.

Should You Get an Umbrella Insurance Policy if You Have Car Insurance?

It’s imperative to note that umbrella insurance won’t protect you against any imminent danger. Most Alabama locals believe that umbrella insurance functions as a stand-alone mitigation, which is not the case. Therefore, it’s important to understand the scope of umbrella insurance.

Exclusions of umbrella insurance include:

In availability of underlying coverage like car insurance: Umbrella insurance doesn’t work alone. It comes in to supplement other existing covers when they are depleted. This cover is supplemental rather than stand-alone protection. Moreover, the insurer will need you to achieve a specific policy limit on your auto or home insurance before allowing you to acquire umbrella insurance on top of it. One, if possible, should get umbrella insurance even when they already have car insurance to mitigate against such occurrences.

Other exclusions include:

Personal injuries
Property loss, damage, or injuries resulting from specific instances like injuries caused by using or operating uninsured recreational vehicles or owning dog breeds that are not covered.
Damage to your personal items like furniture and appliances.
Criminal or intentional undertakings
Other damages or injuries resulting from your business operations.

Contact Us Today

Do you need extra financial insulation in Alabama, in addition to your current underlying auto or home coverages when they get depleted? Umbrella insurance may insure against instances such as slander, libel, and false imprisonment, which aren’t mitigated by other policies. Visit or call us at Surety Ins Inc today for more details about umbrella insurance.

Who needs flood insurance?

Posted on December 22, 2022December 22, 2022 by admin

Flood insurance is an important part of any homeowner’s insurance policy. If you live in a flood zone or have experienced flooding in the past, it’s crucial to make sure you have adequate coverage for this type of disaster. Flood insurance protects your home and its contents from damage caused by flooding, so if something happens, you can rest easy knowing that your investment will be protected. Surety Ins Inc. can help Alabama residents with this vital coverage.

There are a few things to keep in mind when buying flood insurance policies:

The first is that they are sold through private insurers rather than through the government, so you should make sure to shop around and compare rates before choosing one company over another. You also need to understand how much coverage you need – this will depend on the value of your home and what you want to be covered. Make sure that the policy you choose covers things like water damage to your foundation, which can cause very expensive repairs if not taken care of properly.

Finally, make sure that your policy is up-to-date – flood insurance needs to be renewed on a regular basis for it to continue providing coverage. Keep a close eye on the expiration date so that there aren’t any surprises when disaster strikes.

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Flood insurance isn’t something most people think about often, but it’s an important part of protecting your home and its contents against natural disasters. By making sure you have adequate coverage, you can feel more confident that if something happens, you will be protected.

If you have any additional questions about flood insurance and whether or not your home is protected, call Surety Ins Inc. today! We proudly serve the state of Alabama.

Condo Insurance for Landlords

Posted on November 21, 2022November 21, 2022 by admin

As a landlord with an Alabama condo, you should protect your investment. Condo insurance policies can give you peace of mind by knowing your property is fully covered in case of fire, theft, or other unfortunate events.

But what should you look for in a condo insurance policy? Surety Ins Inc. wants you to be informed when selecting coverage.

Here are some key components to consider:

Building Coverage

Whether insuring your own unit or the entire building, ensure that your policy covers the building itself from various perils, such as fire and vandalism. Your policy should also cover any additional structures associated with the building, such as a swimming pool or parking garage.

Personal Property Coverage

It’s also essential your policy covers personal property items like furniture and electronics in case of theft or damage. Make sure to inquire about specific coverage limits for each item.

Damage Protection from Neighboring Units

You should also ensure that your policy provides coverage for any damage incurred by neighboring units in the building. Most policies will cover sudden and accidental damage, but it’s important to read the policy details to ensure you are adequately protected.

Liability Coverage

Your condo insurance should also provide liability coverage if someone is injured on your premises or by your property. This can include medical costs, legal fees, and other damages related to the injury.

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No matter what type of condo insurance policy you choose, ensure that it includes all the coverage points outlined above. Researching and understanding your policy requirements can help protect your investment for years to come.

At Surety Ins Inc., we understand protecting your rental property is of utmost importance. Contact us today to find out how we can help you get condo insurance coverage for your Alabama property.

Do You Need Supplemental Car Insurance in Alabama?

Posted on October 4, 2022October 4, 2022 by admin

At Surety Ins Inc, we often get asked if customers need to buy supplemental car insurance, beyond the state minimums, when they’re insuring their vehicles in Alabama. While it’s not legally required in the state, we generally recommend that our clients purchase supplemental insurance. Here’s a closer look at why this coverage may be a wise investment.

What Supplemental Insurance Covers

Supplemental car insurance, also known as excess liability coverage, pays out when you’re involved in an accident and it’s determined that you’re at fault. If the damages caused exceed your standard policy limits, your supplemental insurance will cover the additional costs up to your policy limit.

This type of coverage is important because even a minor accident can result in expensive damages, especially if there are injuries involved.

Certain Types of Accidents Almost Always Exceed State Minimums

There are certain types of accidents that almost always exceed state minimums. For example, if you hit a high-end vehicle or cause an accident that injures multiple people, you could easily be looking at a hefty bill.

If you don’t have enough coverage and are found to be at fault for one of these types of accidents, you could be on the hook for paying the difference out of your own pocket—and that’s something nobody wants to deal with.

How Much Does Supplemental Insurance Cost?

The cost of supplemental car insurance varies depending on a number of factors, including the value of your vehicle, your driving history, and the limit you choose. However, it’s generally very affordable. When you compare that to the peace of mind it offers, we think it’s well worth the investment.

You Need Supplemental Car Insurance

While supplemental car insurance isn’t required by law in Alabama, we highly recommend that our clients purchase this type of coverage. It offers valuable protection in the event of an accident and can save you a lot of money if you’re ever found to be at fault.

If you have any questions about supplemental car insurance or would like to get a quote, Surety Ins Inc would be happy to help. Contact us today to speak with one of our experienced agents.

What coverage can I expect with commercial insurance?

Posted on September 29, 2022September 29, 2022 by admin

Owning a business has continued to be a dream for many people. If you are an aspiring entrepreneur in the state of Alabama, there will be plenty of great opportunities for success. If you are going to invest in a business here, you will want to ensure you select an ideal insurance plan to cover your organization. One of the best ways you can do this is by getting a commercial insurance policy. You can expect to receive various forms of coverage from a commercial insurance plan.

Get Coverage For Your Business

Liability Mitigation

One type of coverage you can expect to receive from a commercial insurance plan is support to mitigate your liability risk. There is always a chance that a business can be held liable for losses incurred by a customer, employee, or other individuals. If you are properly insured, it can help provide support in these cases. This will give you comfort knowing you have financial protection that can help protect your business.

Cover Assets

You also want to have commercial coverage to cover your assets. A business that invests in any type of asset will want to know that it is covered in the event of a fire, theft or other types of loss With commercial coverage, you will have the support that can ensure you have the capacity to replace or repair important assets.

Give Us A Call

Anyone that wants to invest in a commercial insurance policy should call the team with Surety Ins Inc. in Alabama. If you are going to purchase this coverage, Surety Ins Inc. will give the support you need to build out an ideal policy and plan. When you speak with the professionals here, they will offer any support needed to ensure you know your options and needs, which will help support your company.

Do I Need Home Insurance?

Posted on August 31, 2022September 5, 2022 by admin

Owning a home is a great joy, but one of the top things many homeowners should consider is purchasing home insurance. Some homeowners in Alabama perceive home insurance as a must-have, while others see it as an unnecessary cost. So, do you need homeowners insurance?

Why Do You Need Home Insurance?

At Surety Ins Inc., we recommend that you get home insurance. This policy is meant to protect your home and the property in your home from damage and theft. Homeowners’ insurance typically covers:

Your house: The home policy covers the cost of repairing or rebuilding your house and even other structures, such as a storage shed and detached garage, on your property after a covered peril.
Your stuff: A homeowners policy will pay to replace your belongings in your home after loss due to theft or damage by a covered peril. For example, if you own expensive jewelry stolen from your home, your home policy will pay to replace it. At Surety Ins Inc., we advise that you consistently update your home policy every time you purchase an expensive item and store it in your home.
A place to stay: If a covered peril extensively damages your home, you might need a place to stay while it’s being repaired. Your home policy will cover the additional expenses you incur while living away from your home as it is being repaired. This includes the cost of a hotel/motel room, transportation, laundry services, etc., for your entire family.
Legal bills and liability: Suppose your guest gets injured in your home, and they sue you. Your home policy will cover your legal bills for the court case. It will also cover any settlements the court awards the complainant, including medical bills and compensation for lost wages.

Are you seeking home insurance in Alabama? Contact Surety Ins Inc. for excellent home insurance deals.

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Here are some answers to popular questions about boat insurance:

What is not covered by boat insurance?

How much coverage should you have on a boat?

What types of coverage are typical in a boat owner’s policy?

What happens when insurance totals your boat?

Does boat insurance cover hitting a dock?

Give Us A Call

Should You Get an Umbrella Insurance Policy if You Have Car Insurance?

Exclusions of umbrella insurance include:

Other exclusions include:

Contact Us Today

There are a few things to keep in mind when buying flood insurance policies:

Contact Us Today

Here are some key components to consider:

Building Coverage

Personal Property Coverage

Damage Protection from Neighboring Units

Liability Coverage

Contact Us Today

What Supplemental Insurance Covers

Certain Types of Accidents Almost Always Exceed State Minimums

How Much Does Supplemental Insurance Cost?

You Need Supplemental Car Insurance

Get Coverage For Your Business

Liability Mitigation

Cover Assets

Give Us A Call

Why Do You Need Home Insurance?

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