Insurance Blog

Why Basic Auto Insurance Isn’t Always the Best Choice

This is a common scenario. You are shopping for car insurance, and identify coverages that will protect you and your car optimally. But at the point of paying, you only settle for basic car insurance in the name of saving some bucks. But is this wise?

Purchasing basic auto insurance might seem like an excellent idea at first glance but may turn catastrophic when you are involved in a significant incidence. According to Harris Insurance of Jasper, AL, here is why basic car insurance isn’t always a good idea.

Required auto insurance in Alabama

Motorists in Alabama are required to include the below coverages in their auto insurance:

  • Bodily injury liability: This insurance policy protects you when you cause an accident, inflicting bodily harm to third parties. The required minimum amount is $25,000 per accident and a minimum of $50,000 for accidents involving several victims.
  • Property damage liability: It protects you when you are at fault for an accident that causes property damage to third parties. The minimum amount required is $25,000 per accident.

Now, should you settle with a car insurance policy that includes the above coverages, are you safe? Are the coverages sufficient to cover you in all facets of car ownership? The answer is no. At Harris Insurance, we usually advise our clients to increase coverage limits and consider other car insurance coverages.

Why basic car insurance is never enough

If you are settling for basic auto insurance, you need to upgrade because basic car insurance:

  • Has insufficient coverage limits: The insurance limits of "50/25/25" won’t suffice when involved in a severe accident. Uncovered car accident expenses mean that your assets will be at stake.
  • Covers third parties only: Basic car insurance doesn’t cover you and your car. That said, you need to consider comprehensive, collision, PIP, and other optional car insurance covers for optimal protection.

Are you looking to insure your vehicle beyond the minimum? If you are in Jasper, AL and its environs, please contact Harris Insurance for a well-rounded car insurance policy.

What Should You Know About Commercial Insurance

When you own your business, and you want to make sure that it is protected, you should consider getting a commercial insurance. Commercial insurance helps reduce your risk as a business owner and ensures financial protection for your employees. If you have never carried business insurance before, and you want to know more about it, Harris Insurance serving clients in Jasper, AL prepared a list of basics about this type of insurance: 

Things You Should Know About Commercial Insurance

  • There are several types of commercial insurance. They are commercial property coverage (covers commercial buildings and their contents), general liability (coverage to a business for personal injury, property damage, or bodily injury), professional liability (covers a business owner from damages caused by errors and mistakes), commercial auto insurance (covers vehicles used for commercial purposes), workers’ compensation (protects your employees), business interruption insurance (covers any loss of income that a company experiences after loss or disaster). 
  • Certain factors may affect the cost of your commercial insurance. These factors include the type of your business, risks, the number of employees, and others. 
  • Commercial insurance policies have their limit, and they do not cover everything. For example, they will not cover damages caused by flood or liability resulting from your own negligence. 

Harris Insurance Serving Jasper AL – Your Safety and the Safety of Your Business Is Our Priority

If you are a business owner running your business in Jasper, AL or any other surrounding town, Harris Insurance is ready to help you find a policy addressing your personal needs and preferences. Feel free to visit our website or give us a call if you need more information about the insurance options we offer. 

First-Time Home Buyers: A Guide to Insurance

Are you buying a home in the Jasper, AL area and have never purchased a home insurance policy before? Then, you need to contact us at Harris Insurance after reading this information. Doing so will help to make it easier for you to pick a policy that makes sense for your needs. 

Your Guide to Your First Home Insurance Policy 

The first thing that you need to do is start looking for a suitable policy before your home deal is fully settled. If you wait too long, there’s a good chance that you might end up missing out on an excellent policy opportunity. So instead of waiting, talk to an agent and discuss the value of your home – you’ll need an adjuster who can work with you. 

Then, you need to make sure that you understand a variety of different things that help to dictate what policy that you need. Just a few things to consider here include:

  • Total home replacement cost, which an agent can help you figure out 
  • The risk of your home getting seriously damaged by various issues 
  • Potential bundling options that could make your policies simpler 
  • The number of people living in the house with you 
  • Complications with your home that could occur due to natural factors 

These factors are critical because they can change and may ultimately undermine your policy if you aren’t safe. Once you’ve figured them out, you can choose a policy premium and deductible that makes sense for your home and your financial situation.

Finding a Suitable Policy 

If you need a great home insurance option that works well for your home, please don’t hesitate to contact us at Harris Insurance to learn more. Our team will give you the high-quality help that your Jasper, AL home needs to stay protected against common insurance problems.

Who Is Covered by My Auto Insurance?

Auto insurance protects you in the event of an accident or theft, which causes financial loss. Your Jasper, AL insurance company agrees to pay for your losses as outlined in your auto insurance policy in exchange for your premium payments. The biggest question most car owners have is, “Who is covered by an auto insurance policy?” Continue reading to learn more. Then call the experts at Harris Insurance to learn more about who is covered under your policy. 

Who Is Covered By My Auto Insurance? 

An auto insurance policy covers you and your family members listed on the policy. The covered family members are covered regardless if they are driving your car or someone else’s car with their permission. Additionally, your auto insurance policy covers someone else who, with permission, is driving your vehicle. 

Does My Auto Insurance Cover Commercial Purposes? 

Your personal auto insurance policy will not cover you nor anyone else listed on your policy when using the car for commercial purposes. For example, if you use your vehicle to deliver pizzas and get into an accident, the policy will not pay for damages. However, if you only use the car to commute to work, run errands or drive around town for personal reasons, your policy will cover any accidents during these trips. 

What Does Auto Insurance Cover? 

Your auto insurance policy covers you and the family members listed on the policy. Basic auto insurance policies cover property damage, liability, and medical concerning covered events, such as an accident or theft. 

Your auto insurance essentially protects you and other family members you have chosen to list your policy. In most cases, the ones who get listed on your policy are the family members living with you in Jasper, AL. For additional information about auto insurance coverage, reach out to the agents at Harris Insurance. They can help you learn more about coverage and find you a policy to fit your needs.

Ultimate Small Business Safety Checklist

Harris Insurance knows that when you own a small business in Jasper, AL, it is important to make sure your employees and customers are safe. Following is a small business safety checklist that could save you from needing to make a claim against your commercial policy.

  • Understand OSHA – The Occupational Safety & Health Administration requires that certain safety steps are taken to ensure the safety of your place of business and the employees and customers who visit. Check out OSHA.gov for specific guidelines.
  • Take a look around – Look for potential hazards and safety issues.
  • Proper Training – Provide proper training for safety. When the staff knows how to handle specific situations, there is a higher chance of a good outcome for all. You may even alleviate a potentially dangerous situation altogether.
  • First Aid – Make first aid a priority. Always have basic first aid items available.
  • Give Employees A Break – A lot of accidents happen because a worker became tired or fatigued on the job. Make sure that doesn’t happen by enforcing break time.
  • Have a Plan and Practice Prevention and Escape – Make a plan for any and all types of emergencies. Have a fire exit plan as well as a computer team in place to prevent a cybersecurity attack.
  • Keep Equipment Running – Make sure any equipment or machinery your business uses are in proper working order at all time and that safety gear is used properly.
  • Have Coverage For When Something Goes Wrong – As the owner, it is important that you make sure you have the proper coverage before something goes wrong.

Talk with your insurance agent at Harris Insurance serving Jasper, AL today to make sure you have the right amount and right type of coverage for your business.

Preparing your home for an emergency

Emergencies come in many forms. Alabama gets hurricanes and flooding quite regularly. Tornadoes also rip through the area. Making sure your home is prepared for one of these emergencies is important. At Harris Insurance in Jasper, AL, we have been helping our customers to deal with covered emergencies for more than 40 years. Surviving an emergency comes first and then filing a claim comes second. 

Protecting your important papers

Protecting your important papers like your will, your passport, your deeds, and your insurance policies, and your home inventory is vital so that when you need them after the emergency they are available to you. Place them in a water and fireproof box or bag and if you leave your home for shelter take them with you. 

Water

Water is one thing you will need after the emergency passes. In some cases there will not be any public services and the water in your tap may either be non-functional or not safe to drink. You need to have at least 3 or 4 days of drinking water available and if you can save water for personal needs like the toilet or for bating, that is even better. 

Flashlights and batteries

If electricity gets knocked out, and it frequently does, you need a way to power your lights. Having plenty of flashlights and extra batteries is a must and a portable charger like a Halo can be a big help at least in the short term. 

Generator

If you live in an area that is prone to losing power, a generator is a must. It can save you from losing all the food in your fridge or freezer. Have a supply of gas on hand to keep it going. 

Emergencies happen, making sure you are prepared can save a lot of heartaches. 

Contact Harris Insurance in Jasper, AL for all your home insurance needs. 

3 Risks of not Carrying Auto Insurance

Do you have a vehicle? Great! But do you have valid auto insurance coverage? Owning a car used to be considered a luxury, but nowadays, it’s associated with comfort and convenience. And as more cars fill our roads, we need to be sure that we don’t forget one thing: Auto insurance. While everything is competing for your dollar, car insurance shouldn’t be one of those expenses you shove down your priority list. Why? Failing to buy car insurance from an insurance agent like Harris Insurance of Jasper, AL, will lead to the following consequences.

Heavy fines and penalties

Alabama State requires every motorist to have car insurance as long as they are driving on public roads. Below are the likely consequences of driving without valid auto insurance.

  • Fines of between $500 and $1,000
  • License suspension 
  • Jail time of between three and six months
  • Vehicle impoundment

The severity of your fines and penalties depends on your driving record. Given the severe penalties you face, why would you risk driving without auto insurance, yet you can purchase coverage from us? 

Pay losses to other people

The beauty of car insurance is that it has liability coverage that covers property damage, bodily injuries, and even legal suits for accidents you cause. Unfortunately, without car insurance, you will have to pay third-party costs out-of-pocket for accidents you are deemed liable for. 

Uncovered losses for own damage

When involved in an accident, property damage and injuries don’t occur to other people only. Your vehicle can suffer damage, and you and your passengers can sustain injuries. Without car insurance, you will have to incur medical expenses and vehicle repair costs from your pocket. Worse yet, in case of a severe accident, your car may suffer a total loss. If you need another car, you will have to finance it out-of-pocket.

Buy car insurance today!

If you have been driving without car insurance, don’t let another day pass. Please contact Harris Insurance, serving Jasper, AL for an affordable quote.

Commercial Insurance: What Basic Coverages Do You Need?

If you operate a business in Jasper, AL, you obviously understand all the risks and uncertainties you face every day. To be on the safer side, it is always necessary to make sure that you have a commercial insurance policy that helps you to cover possible damages. Harris Insurance has highlighted some of the basic coverage that you should expect from a commercial insurance policy. 

Business Income Coverage

Commercial insurance can be one of the best ways to recover lost income that usually occurs when natural disasters have disrupted your business operations. For example, if a natural calamity like a flood or earthquake has a significant impact on your business, it is the commercial insurance policy that will reimburse all the income you will lose for the length of the time the company will not be operating.

Business Property Coverage

For every business to operate effectively, there are very many valuable assets and properties that are involved. Buildings, land, machinery, and other tools are valuable assets that help the company continue operating. With commercial insurance, all these essential assets for business operations will be protected against possible theft, fire, vandalism, and natural calamities.

Employee Health Coverage

There is always a chance that workers will get injured or sick when working in a commercial facility. It is the business’s responsibility to cater to medical expenses for all the injuries that employees might get at the company. Commercial health insurance will help in covering additional health issues such as disability compensation and income replacement.

Do You Need Commercial Insurance?

Harris Insurance knows that many companies in Jasper, AL that operate without a commercial insurance policy. This is a dangerous issue as it can easily affect the operations of the company. However, having a good commercial policy helps in addressing some problems addressed above. Contact us today for more information about commercial insurance.

Do you have enough home liability insurance to cover your risks

Home insurance is not just one type of coverage; it has multiple protections it offers. None of it is required except by a lender. No state requires you to carry home insurance. That doesn’t mean you shouldn’t carry it if you don’t have a home loan. Risks to your home and assets are abundant, and making sure you are prepared for anything that might happen is essential. Having a home insurance policy that offers adequate protection is vital to your peace of mind. At Harris Insurance in Jasper, AL, we have served hundreds of customers since 1980.

When accessing your need for liability insurance, several things need to be considered, including your net worth. The more you are worth, the more attractive you are to someone who might want to sue you. If you have a sizable net worth, your liability coverage should reflect it, and you should probably consider an umbrella policy as well. 

Pets are common additions to families, and they are a liability. Make sure your agent knows the number and breed of dogs you have. Some breeds of dogs are considered such high-risk, insurance carriers won’t cover them. 

Having a backyard pool can provide your family with a great entertaining space, but it does add to your liability risks. Be sure to follow all the local safety ordinances and have appropriate fencing installed. Someone injured in your pool does not have to be a guest. 

Trampolines are very popular with children, and they offer a very high injury risk. Making sure they have safety nets can reduce the risk. 

Contact Harris Insurance in Jasper, AL when you are looking for a home insurance policy. As an independent agency, we offer multiple carriers that allow us to shop for the best prices. 

A Guide To Help Alabama Residents Find The Right Auto Insurance Policy

Harris Insurance serves the Jasper, AL community, as well as the surrounding areas. For over 30 years, we have helped our clients find policies that suit their individual situations. We have positive relationships with multiple carriers in the area.

Auto Insurance Options

As a local Jasper, AL driver, you face multiple risks while you are on the road. Accidents can happen at any time. Auto insurance helps you prepare in the event of a disaster. Primarily, the coverage protects you if you are involved in a collision. Auto insurance helps alleviate some of the stress in the aftermath of a collision because your damages are covered. You are also covered if your vehicle is stolen or vandalized.

Comprehensive Coverage

Comprehensive coverage protects you if your vehicle is damaged due to a fire or inclement weather. This is especially important because the weather in Alabama can be severe at times. You are also covered if your vehicle suffers damage due to a flying object.

Liability Coverage

Liability coverage is one of the most important parts of the policy. You are covered if you are held responsible for the damages that occur as a result of being in an accident. The policy also protects you if a passenger in your vehicle suffers an injury.

Extra Coverage

You can amend your auto insurance policy to cover you in multiple ways. If you add any custom accessories to your vehicle, you will have to amend your policy to cover you if they are stolen or damaged. You can also add emergency coverage to protect you if you suffer a flat tire or a dead battery. You will receive urgent roadside assistance. If your vehicle suffers serious damages, you can add rental coverage so that you can receive a temporary ride while your vehicle is being repaired.

Harris Insurance Will Help You Protect What Matters Most

Visit our website today to learn more information about auto insurance.

Click to Call
Harris Insurance

806 Hwy 78 W
Jasper, AL 35501

Get Directions

Servicing States

  • Alabama
  • Florida
  • Tennessee
  • Mississippi
  • Georgia
  • Kentucky
  • Ohio
  • South Carolina
  • North Carolina
  • Texas
  • California
  • Oregon
  • Washington
  • Michigan
  • Arkansas
  • Virginia
  • Indiana
  • Illinois

Testimonials