Insurance Blog

Tree Damage and Your Homeowner’s Insurance

Harris Insurance Discusses Insurance Coverage From Tree Damage

Trees enhance the beauty of residential property and provide shade that helps to lower energy costs. However, they can sometimes present a hazard when stormy weather or other conditions cause them to fall on structures or block access to areas of your property. Your homeowner’s insurance policy may help to defray some of the costs of tree damage. At Harris Insurance in Jasper, AL, we assist our clients in obtaining the insurance they need to safeguard against financially strenuous losses.

Common Situations of Tree Damage

Large tree limbs falling due to windstorms, lightning, or other conditions aren’t uncommon. Such incidences may result in roof damage, broken windows, and obstructed access to areas. If your tree suffers due to a peril covered by your policy, the resulting damage will most likely be covered by insurance. However, the event is typically not covered if the tree falls due to disease, rot, or age.

Your Deductible Still Applies

If a tree causes damage to your property, you’ll still be required to pay your deductible. However, if the damage exceeds the deductible amount, your coverage will usually apply to mitigate the additional expense of removal and repair of your home.

When Trees Fall on Others’ Property

In some cases, a storm or other issue may damage your neighbor’s trees, which may cause harm to your property. In such an instance, your own homeowner’s policy comes into effect to cover the removal and repair costs. If your tree falls on your neighbor’s property, their insurance takes effect to mitigate the costs caused by the tree.

Make Harris Insurance Your Agent For Homeowners Insurance

Our agents in Jasper, AL, can provide detailed information on the different types of homeowners insurance coverage available. Harris Insurance offers a broad range of insurance policies, including home, auto, RV, life, and business. Contact us today for a no-obligation quote on homeowners insurance that can help mitigate expenses when unexpected events occur.

When to Add Your Teen to Your Auto Insurance Policy

At Harris Insurance in Jasper, AL, parents ask us when they should add their teenager to their auto insurance policy. Some parents want to avoid adding their teen so their premiums won’t increase, but you need to put your teen on your auto policy during your teen’s learning phase while they work up to getting their learner’s permit and license.

Getting Around a Conundrum

Teens need a driver’s license to buy auto coverage. They should not begin driving lessons until obtaining their learner’s permit, but in some states, a teen can take a high school driver’s education course without having earned a learner’s permit. As soon as your teenager begins to learn to drive, you should put them on your auto policy.

Here’s why you have to put them on your policy. Until they obtain their learner’s permit, they cannot purchase coverage on their own. Some states require a teen with a learner’s permit to obtain coverage, so if you plan to let your teen get in some practice while you drive a long stretch of highway on vacation, add them before you go.

When They Can Obtain Their Own Policy? 

You can add a teen who has yet to obtain their license to your auto policy. Once they earn their regular driver’s license, you can allow them to buy their own insurance policy. However, your policy will temporarily need to cover them.

Contact Us to Amend Your Policy Today

Contact Harris Insurance today to update your auto insurance policy to include your teenage driver-to-be. Before you let them leave the driveway of your Jasper, AL home, make sure your auto policy covers them.

As a business owner, do I need commercial insurance for my personal car?

Commercial Insurance: A Necessity for Business Owners

Being a business owner comes with multiple responsibilities, one of which is securing the right kind of insurance coverage for the business. Whether you have a small or established venture, you have assets that need protection against various risks. Today, business owners are in luck with many insurance options designed for their specific needs. Harris Insurance, serving Jasper, AL, is committed to helping businesses get the necessary coverage.

What is Commercial Insurance?

Also referred to as business insurance, commercial insurance offers business owners tailor-made coverage options. These protect against risks such as litigation, accidents, employee injuries, natural disasters, and more. Commercial insurance safeguards various facets of a business, including routine operations, employees, company vehicles etc.

Do I Need Commercial Auto Insurance?

This largely depends on whether you use your vehicle for business purposes. Your regular auto insurance policy will not cover accidents or incidents that occur when the vehicle is used for business. In such cases, it’s necessary to have commercial auto insurance, which provides more extensive coverage than a personal auto insurance policy. Discuss your options with a licensed insurance agent to understand the differences between personal and commercial auto insurance.

Contact Harris Insurance

In the world of business, having the right insurance coverage could mean survival in adverse situations. With the range of commercial insurance options available, you can protect your business against various risks. Stop by Harris Insurance in Jasper, AL, or call us, and we will be more than glad to help you navigate your insurance options.

Tornado Totaled My House. Now What?

As spring comes, so does tornado season in Alabama. You hope the worst doesn’t happen. But, should your house be totaled by a tornado, it needn’t be the end of everything. If you have the right insurance, it can even be an opportunity to start over. 

After a Tornado Hits

Keep an ear on the weather reports even after you think it’s over. Local news or NOAA Weather Radio will help keep you updated on tornado activity. Naturally, your family (found or natural) is going to worry about you, and you may worry about them. Texting and social media may be the most reliable means of communication. Once everyone’s safety is evaluated, you can assess the damage. Be sure to be appropriately dressed when walking through storm damage. Wear sturdy shoes, long pants, and a long-sleeved shirt. If you see a downed power line, call the appropriate authorities. Stay out of damaged buildings. If you find someone in need of help, render what aid you can and contact emergency response. 

Getting the Insurance Company Involved

While this is indeed a time-sensitive matter, do it as soon as you’ve done the above. Report the damage promptly to file a claim and receive financial help. An adjuster will be sent to your home to assess the damage before processing your claim. 

Contact Harris Insurance Serving Jasper, AL

Insuring your home is important before a disaster happens. If your home is in Jasper, AL, and you’d like to have it insured, please contact Harris Insurance. Our knowledgeable and courteous agents are dedicated to helping you find the perfect policy for your needs. 

Who should be listed on your auto insurance policy?

When you take your vehicle onto the road, you face many risks. Weather conditions can make driving a challenge, but even greater than that is other drivers. You have to be prepared to deal with them and the damage they can cause to your vehicle. It is vital that you make sure that all the drivers who regularly use your vehicles are listed on your policy. At Harris Insurance in Jasper, AL, we are independent insurance agents who place the financial security of our customers first. 

You may wonder why it is important that all the people who drive your car regularly be listed on your auto insurance policy. You can add anyone to your auto insurance, and some insurance companies may require that you add regular drivers to your vehicle to guarantee that if there is a situation where you need to file a claim, it is covered.

In most cases, ensuring you have the correct insurance is just a good idea. If, for instance, your teen gets their license, and you don’t list them on your policy for fear that it could raise your rate. You are probably correct that having a new teen driver will raise your rate, but if you don’t list them, you run the risk that your insurance company will refuse to pay if they have an accident. 

If you have more than one vehicle and have only one driver listed on your auto policy, you may end up paying more than if you had more than one driver listed. The best way to make sure your vehicle and assets are covered is to list all the drivers of your vehicles. 

Contact our office at Harris Insurance in Jasper, AL, when you need new auto insurance or want your auto policy reviewed. 

Commercial Insurance For General Contractors

General contractors should acquire commercial insurance that covers their materials, vehicles, and employees. Learn about some types of coverage that you should seek as a contractor. Call one of our Harris Insurance agents serving the greater Jasper, AL community to purchase the insurance products you need.

Protection Of Goods

The protection of goods will cover the cost of repairing or replacing any materials that are used on a worksite. This type of coverage protects against theft and vandalism. It also protects against damage that occurs from a natural weather event.

Vehicle Coverage

Automotive insurance should be acquired for any vehicle that is used for commercial purposes. If you or your crew members are responsible for transporting materials to and from each worksite, it is imperative that each vehicle is equipped with sufficient coverage.

Workers’ Compensation Coverage

Workers’ compensation insurance will provide coverage for the loss of wages that an injured employee incurs. If an employee is injured while they are working, the workers’ compensation coverage will reimburse them. It will also pay for medical costs that an employee is responsible for.

Liability Coverage

Liability coverage will protect you from costs associated with legal matters. It will handle medical bills, the repair, and the replacement of materials. The type of liability coverage that you need will be dependent upon the size of your business. The line of work that you perform will influence the amount of liability coverage that you should seek.

Schedule A Consultation Today

Now that you are aware of some of the insurance types that you will need as a general contractor, set up an appointment to meet with a Harris Insurance agent in Jasper, AL. We will discuss the commercial insurance types that will benefit you as a business owner.

Can You Void Your Home Insurance By Mistake?

At Harris Insurance, we know that your home coverage can be confusing. We also know that it’s easy to make mistakes that could impact your Jasper, AL home. We have had many people asking us about whether or not they can accidentally void their home insurance. Surely that’s not possible, right?

Yes: And Here’s How 

You absolutely can void your homeowner insurance policy by mistake, and it’s important to know how. Here are three of the most common mistakes homeowners make:

  • Leaving Your Home Too Long: If you leave your home for 30 days or more without telling your insurance company, you could avoid your policy. Just let us know, and we’ll make sure that you stay protected by keeping your policy active.
  • Extensive Renovations: Now, this situation is only a problem if you don’t tell your insurance agent what you’re up to with your home upgrades. Whenever you add new items that increase your home’s value, let us know so that we don’t have to void your policy and get you another one.
  • A Home Business: Running a home-based business is an exciting situation but can be a real problem if you don’t get extra policy protection. If you have expensive equipment, keep inventory in your home, or have clients coming and going to and from your home, you could void your policy.

Other ways to avoid your policy include fraudulently reporting or describing an event or change in your property, doing illegal things in your home, or submitting too many claims.

Don’t Make This Mistake

Prevent yourself from voiding your home insurance by contacting us at Harris Insurance and talking with us if you’re close to making these mistakes. We’ll help Jasper, AL residents like you handle this process smoothly and minimize the risk of serious problems that could impact your home’s cost.

How Drivers Can Benefit from Comprehensive Auto Policies

Harris Insurance is here to serve the auto insurance needs of our friends and neighbors in the greater Jasper, AL area. If you have questions about your current policy or you’re getting ready to purchase a car, you can rely on us for all your insurance needs. Give us a call today to learn more about the auto policy options currently available in our area.

Key Benefits of Comprehensive Auto Policies

The main benefit of a comprehensive auto policy is the additional protection that it provides. There’s typically a wider range of covered events than that provided by basic policies. Your local insurance agent is here to help answer any questions you have and address any concerns that you have about auto insurance.

Upgrading to a comprehensive policy can include benefits like roadside assistance, glass replacement, and coverage for single-vehicle accidents. Every policy is different, and it’s always a good idea to speak with one of our agents when you’re determining which coverage makes the most sense for your situation.

Now’s an ideal time to learn more about the different options that are available and determine if upgrading to a comprehensive policy makes sense for you at this time.

Think of us as your insurance partner!

At Harris Insurance, we’re proud to provide the insurance policies that help our Jasper, AL community protect their vehicles. If you’re ready to upgrade your auto policy or you’re getting ready to purchase your first vehicle, you can count on us. Give us a call or stop by our office to learn more. We look forward to serving you soon!

What Does a Commercial Insurance Policy Cover for Your Business?

Our agents at Harris Insurance serving the Jasper, AL area know how much your business means to you. We know that you have invested your time, money, and energy in creating the best business possible for you and your customers or clients, which is the reason we want to help you keep it safe and secure with the appropriate amount of commercial insurance.

Commercial insurance is also referred to as business insurance and is designed to provide financial protection for your business. For instance, in the state of Alabama, you must have commercial auto liability insurance for all vehicles that are owned or leased by your business. This type of policy will help pay for the medical bills or property damage if you or one of your employees is involved in an accident that he or she caused.

Another type of commercial insurance policy that may be required for your Alabama business is worker’s compensation insurance. This type of policy is only required for businesses that employ five or more people and will provide financial help to pay medical bills and wages for any employee who is injured while on the job.

What Does a Commercial Insurance Policy Cover for Your Business?

A commercial insurance policy will also help protect your business from liability issues if someone is injured at your business or their property is damaged by your business. This type of policy is called general liability insurance, and it will help pay the medical bills or property damage if one of these types of incidents occurs.

Commercial property insurance is another type of business insurance that is very important to have. It will be especially helpful if you own the physical location of your business, but even if you do not, it will help protect the investment you have made in your inventory and other items for your business. It will kick in if you need help in recovering your business if it is damaged or destroyed by a fire, natural disaster, or vandalism. This type of policy also comes in handy if the theft of inventory occurs.

Reach Out To Us

Contact our experienced agents at Harris Insurance serving the Jasper, AL area today to assist you with all of your insurance needs.

Things your home insurance won’t cover

All too often homeowners get complaisant because they think that home insurance protects them from everything. If you haven’t read your home insurance policy, you are in for a shock. At Harris Insurance in Jasper, AL, we work with our customers to make sure that they have the proper coverage. As independent insurance agents, we work for our customers and support their best interests. 

Home Insurance Exclusions


Floods are a dangerous, common, and costly natural disaster. They are also not covered by traditional home insurance. If a pipe breaks in your home, that is covered, but if the water comes from the surface of the land, it will not be covered. You need to get a separate flood insurance policy provided by the NFIP. If you live in a flood plain, your mortgage lender will require that you get this important coverage. 

Sewer backup

Flooding is not something fun to think about, but sewer backup is even worse. And if that wasn’t bad enough, it is not covered by your home insurance. You can get a rider to your policy, however, that will provide that protection. 

Earth movement

Earth movement covers several different types of peril. It includes earthquakes, mudslides, landslides, and sinkholes. None of them are covered by home insurance. You can however get insurance to cover them if they are a concern that you want protection from. 

Owner neglect

As a homeowner, it is your responsibility to maintain your home. You are responsible for making sure you replace things like your roof before they damage your home. It is your responsibility to make sure that you don’t get termites or other critters with treatment before they become an issue. 

Consult With Us

Contact Harris Insurance in Jasper, AL if you have questions about what is and isn’t covered by your home insurance. 

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Harris Insurance

806 Hwy 78 W
Jasper, AL 35501

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