Insurance Blog

Why You Need Home Insurance

If you own a home, it’s vital that you have the right insurance coverage for it. It’s important to always have a home insurance policy to cover the home and protect your own finances. A home is likely your largest investment, and it’s smart to always keep it protected. In addition, it is generally required by lenders that you must have this insurance in place to protect their investment as well. When you need a home insurance policy, call us at Harris Insurance in Jasper, AL to find out more.

Benefits of Home Insurance

Protection for Your Possessions

One of the ways that your home insurance keeps you protected is that it provides coverage for all of your possessions that are in the house. It’s important to have this coverage because you never know when a damaging event could destroy your things. If this were to happen, it could cost many thousands of dollars to replace it all. Home insurance is the policy that pays for the replacement of all of those items. The amount of items in your home adds up to a very large value, so keep it all protected with home insurance. 

Dwelling Protection

Home insurance also covers the dwelling. If a serious event happened to the home, and it needed repairs, the home policy would pay for those repairs. Home repairs, especially major ones, can be prohibitively expensive to pay for. Without home insurance, you might not be able to afford them. It’s never a good idea to go without this coverage because of the many things that can happen that damage a home.

Get Your Home Insurance Policy Today

If you are going without home insurance, or you are buying a home, you need to set up a home insurance policy. Call us at Harris Insurance in Jasper, AL and we will assist you to get the coverage you need.

Required Auto Insurance in Alabama

When you have a vehicle in Alabama, it is required by the state that you have at least the minimum required insurance that is mandated. You also must have proof of your insurance policy in the vehicle and must show it when required. Not having auto insurance in the state can open you up to fines and fees, and you may have your vehicle’s registration suspended. When you need an auto insurance policy, contact us at Harris Insurance in Jasper, AL to get started with a policy of your own. 

Liability Insurance in Alabama

Getting your auto insurance in the state requires that you have two types of liability coverage in the policy and three different minimum amounts of coverage. There is one minimum amount required for bodily injury liability for one person who has injuries after an accident that you caused. There is another amount required for all of those who have injuries after an accident that you are at fault for. There is another amount required for property damage liability to pay for the damage done to another person’s property in an accident that you are liable for. 

Uninsured/Underinsured Motorist Bodily Injury

This type of insurance is required to be presented as a part of the insurance policy, but it is possible for you to refuse this coverage and still keep legal insurance. However, it’s a good idea to keep this coverage in place so that you are protected in case of a driver who has no insurance or has too little insurance. With this coverage, you will also have better peace of mind in knowing that you are protected in case of accidents with those drivers. 

Get Auto Insurance in Alabama

When you have a vehicle in the state, you have to be covered. For a policy of your own, call us at Harris Insurance in Jasper, AL.

Is Commercial Insurance The Same As Product Liability Insurance?

While most businesses are required to have commercial insurance, it’s important to note that product liability insurance is not the same thing. Commercial insurance policies protect your business if something happens to one of your clients as a result of your work. For example, if you are in the construction business and your crew cuts the power cable to your client’s house during renovations, the client can make a claim against your commercial insurance to cover the cost of repairs. 

Product liability insurance, on the other end, protects you from legal responsibility if a client is injured by your product. For example, if your business is selling furniture and a client is injured by a sharp edge, that client can make a claim against your product liability policy. Contact Harris Insurance in Jasper, AL for expert insurance advice.

Commercial Insurance: What You Should Know 

Commercial insurance policies are designed to protect your business against financial loss if a policyholder sues you for a commercial or business-related reason. Product liability insurance, on the other hand, is designed to protect you against financial loss if a policyholder sues you because your product caused them an injury. 

If you’re a manufacturer, wholesaler, retailer, or provider of a service operating as a business, you need to get commercial insurance. You have a policy that covers your business against financial loss if a customer sues you for a slip and fall. That’s commercial insurance. Now you’re also selling coffee beans, but this time you’re selling them as a product. Let’s say someone sues you because they say the coffee beans you sold them gave them an allergy. That’s product liability, and you need separate insurance to protect yourself against this claim. 

Give Us A Call

Even though product liability and commercial insurance might be part of your business policy, they are different policies with different coverage. Commercial insurance is designed to protect your business against potential risks like property damage or bodily injury, which your business might encounter in the course of conducting its daily activities. 

In contrast, product liability insurance is designed to protect you from liability if a customer were to get sick or hurt from a product you distribute, or if a customer were to sue your company because of a product malfunction or a malfunction in the supply chain. For inquiries in the greater Jasper, AL community, contact Harris Insurance.

Does Your Home Insurance Cover Hurricane Damage?

When a hurricane hits, the damage can be devastating. If your home is in the path of a hurricane, it’s essential to know if your home insurance will cover the damage. Here’s everything you need to know about home insurance and hurricane damage in Jasper, AL.

What Does Home Insurance Cover?

Home insurance typically covers damage caused by fire, wind, hail, lightning, and theft. However, coverage varies from policy to policy, so it’s essential to read your policy carefully and know what is and isn’t covered.

For example, most home insurance policies don’t cover damage caused by flooding, so if you live in an area prone to flooding, you’ll need to purchase separate flood insurance. Your Harris Insurance agent can help you determine your coverage types.

What About Hurricane Damage?

Home insurance if wind typically covers hurricane damage or rain causes the damage. However, as with any other type of natural disaster, it’s important to read your policy carefully to see what is and isn’t covered. A Harris Insurance agent can help you understand your policy and what it covers.

How to Prepare for Hurricane Season

If you live in an area susceptible to hurricanes, there are a few things you can do to prepare.

First, make sure you have an adequate insurance policy in place. Standard home insurance policies cover wind and general storm damage, but in Alabama, you may need a separate policy because the area is prone to hurricanes.

You should also create an emergency kit and have a plan in place in case you need to evacuate. Your emergency kit should include food, water, a first-aid kit, and essential documents.

You should also make sure your home is prepared for a hurricane. This includes trimming trees and shrubs, securing loose items, and reinforcing doors and windows.

Give Us A Call

By taking these steps, you can help protect your home and belongings in the event of a hurricane. To learn more about protecting your home with insurance in Jasper, AL, contact Harris Insurance.

Terms You Need to Know When Shopping for Auto Insurance

When shopping for automobile insurance, you may find yourself really confused. There are many terms that you need to understand, so that you know exactly what your insurance covers (and what it doesn’t). Harris Insurance in Jasper, AL provides this guide in navigating auto insurance coverage. 

Here are some terms that you need to know:

Claim

If you are ever involved in a car accident, you are going to submit a claim to your insurance in order to get payment. 

Collision Insurance

This will cover expenses to fix your vehicle if you are involved in an accident. 

Comprehensive Insurance

This covers expenses that you may be facing for any reason, including storm damage and vandalism. 

Liability Insurance

The liability part of your insurance covers any medical bills that you may be facing if you hurt someone when you were in an accident. It can also help you pay legal fees. Some plans will even cover property damage. 

Deductible

The deductible is the amount of money that you will have to pay, before your insurance pays out. This could be as low as five hundred dollars, though you may have a pretty high deductible. Usually, the higher your deductible, the less you will pay monthly. You have to find a balance between monthly pay and what you could pay if something happens to your car. 

Contact Us Today

There are many terms that you need to know when shopping for insurance. You need to know the different types of insurance, such as liability, comprehensive, and collision. You also need to understand what a deductible is and what that means for your monthly costs. 

If you want to make sure that you are fully protected before you get behind the wheel, don’t hesitate to contact us today at Harris Insurance in Jasper, AL. 

How to calculate the inventory protection you need for your Jasper-area business

Harris Insurance is proud to serve the insurance needs of the greater Jasper, AL area business community. If you are concerned about the amount of protection covering your inventory, we are here to help! Give us a call today, and let’s set up a time to review your insurance needs.

Calculating your inventory insurance coverage level

When it comes to protecting your business investments and assets, inventory coverage is often a confusing piece of the puzzle. Inventory levels can fluctuate in an extreme way, depending on how sales are going, how much cash is on hand to invest, and the costs of acquiring your inventory. And, if you are a seasonal business, it can make the calculation even more difficult. 

The first step is to review your inventory levels over the past three years. If there are any outliers that are due to non-recurring events or occurrences, they should be removed from your calculation. Take a look at the normalized average over the analysis period and then consider what changes you anticipate in the coming year.

If you expect delivery of goods and sales to continue on the same trajectory as the previous three years, then use those numbers to decide on the level of inventory protection you need, adjusting for any future anticipated changes.

We can help you with all of your commercial insurance needs

If you are the owner or manager of a Jasper, AL area business, you can turn to the team at Harris Insurance for all of your commercial insurance needs. We are knowledgeable about our local business community and have the experience and insight necessary to help our clients protect their businesses. Give us a call today. We look forward to working with you!

Home Insurance Misinformation Alabama Residents Should Learn About

Harris Insurance proudly serves the Jasper, AL community and the surrounding areas. We work closely with multiple carriers throughout the South. This allows us to offer flexible policies designed to meet the evolving needs of our clients. For over 20 years, we have helped residents face life’s challenges knowing that they are protected in any situation.

Home Insurance Misinformation Alabama Locals Should Learn About

Your Jasper, AL home is a significant investment. You’ve likely made a lot of sacrifices to become a homeowner. Home insurance protects your property against potential damages. Your possessions inside your home are also covered if damaged or stolen. Liability coverage is an asset. Accidents may occur at any moment. Liability coverage protects you if one of your guests is injured on your property. You are also covered if you accidentally damage someone else’s property. You can add alternative living coverage to protect you if your home suffers extensive damage and you have to stay somewhere else temporarily. Look over your policy carefully to avoid any errors.

Home insurance differs from flood insurance. If your home suffers flood damage after a natural disaster moving through the area, you are not covered unless you alter your policy. Flood damage differs from water damage, which could occur due to a broken pipe or drainage issues. Your policy also leaves you unprotected if you don’t take care of your home. Perform regular maintenance on your home to avoid long-term problems. If mold develops, this is a common situation where homeowners are left unprotected and may be forced to make tough decisions.

Harris Insurance Will Help You Obtain The Right Coverage

Contact our office to learn more information about home insurance.

6 Optional add-ons to a Jasper, AL auto insurance policy

Auto insurance is required. But that doesn’t mean you don’t have choices.

Minimum coverage is rarely sufficient. In Alabama, the state mandates only liability insurance. This law sets a baseline of $25,000 in bodily injury liability per person and a total of $50,000 for any accident. This also includes another $25,000 in property damage protection per accident. This is commonly listed as "25/50/25" coverage. This means these thresholds are the maximum payout you would receive from your insurance provider. 

For this reason, Harris Insurance recommends upping your coverage. Serving Jasper, AL, the agency lists six options to add to expand your auto insurance to gain more protection.

Collision

This covers damage to your vehicle in the event you collide with an object or another vehicle.

Comprehensive

All other damage falls under comprehensive coverage. This includes theft, vandalism, falling objects, or weather-related damage.

Uninsured motorist

If you are involved in an accident with another driver who has inadequate or lapsed coverage, this kicks in. It may reimburse for damage, bodily injury, and any medical bills.

Medical payments

As the name implies, this coverage pays for medical expenses following an incident. This applies no matter who is at fault.

Roadside assistance

Avoid being stranded. Roadside assistance helps with towing costs, battery jumps, flat tires, and other costs incurred if your vehicle breaks down on the roadway.

Rental car reimbursement

Following an accident, your car may need repairs or replacement. These policies fill in that gap, reimbursing for rental car expenses while your primary vehicle is being fixed.

Contact an agent in Jasper, AL

Bare minimum coverage is never the best. In the event of an accident, too little protection can lead to crippling out-of-pocket costs. Harris Insurance can evaluate your needs and find the right auto insurance policy for you. Call today.

Extra Coverage Alabama Business Owners Should Consider Adding To Their Commercial Insurance Policies

Harris Insurance serves the Jasper, AL community. We enjoy helping our clients obtain the coverage they need to live life comfortably. Searching for the right insurance policies can be complex at times. We assess each of our client’s personal situations so that we can help them obtain coverage that aligns with their personal needs. We aspire to build long-term relationships with our clients so that we can help them as their needs change in the future.

Extra Coverage Alabama Business Owners Should Consider Adding To Their Commercial Insurance Policies

The Jasper, AL economy thrives when local businesses are successful. As a local business owner, you are constantly brainstorming both short and long-term goals. Commercial insurance can help you stay on the right path. Your business is covered if your equipment is damaged or stolen. This gives you peace of mind if an accident happens, or you’re a victim of theft. Liability coverage protects your business if one of your customers is injured on your property. Worker’s compensation protects your business and assists your employees if there is an injury in the workplace. While you assess your commercial insurance policy, consider these potential add ons.

Errors & Omissions Coverage

This type of liability coverage protects your business if one of your employees is accused of negligence while performing a service.

Interruption Coverage

Severe weather can move through the South at any moment. If your property suffers damage due to a natural disaster, business interruption coverage will help you stay afloat. The policy covers your basic day-to-day operations until your property is repaired.

Cyber Liability Coverage

Due to the popularity of online transactions and storage files, consider adding cyber liability coverage. The coverage protects your business if you are the victim of a data breach.

Harris Insurance Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.

Do all Alabama property owners need home insurance?

People that are in the Jasper, AL area will find this is a great place to own a home. When you are a property owner, it will offer you a consistent place to call home and can be a good long-term investment. When you are shopping for a property, you should also allocate time for going over your insurance needs. A home insurance plan could be needed for a few reasons. 

Coverage is Required by Lenders

A primary reason that you may need to get a home insurance plan here is that it will be required by your lenders. Taking out a mortgage is common for most people that buy a home. If you do take out a mortgage, it will provide you with the opportunity to purchase your home. However, there are rules that come along with it. Any mortgage lender is going to require that you carry a full home insurance plan until your loan is fully repaid.

Coverage is Required by Association

There is also a chance that you could be required to carry home insurance by a home association. Living within a home association can be a good idea as it can come with security and other amenities. If you are part of an association, you will need to meet and understand its rules. This often includes requiring property owners to carry home insurance. 

There are a lot of situations in which having home insurance will be a necessity and requirement. If you want to get a home insurance plan in the Jasper, AL area, speaking with Harris Insurance can be helpful. The team with Harris Insurance can help you identify your particular home insurance needs and help build a plan that will properly cover your home and keep you in compliance with any requirements. 

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806 Hwy 78 W
Jasper, AL 35501

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