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Learn About Renter’s Insurance

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Renting your home provides a great sense of freedom as well as the security of property management. However, there are still some responsibilities that fall to you as the renter. If you have been wondering about renter’s insurance, we are here to help. At Will Wright Agency Inc. serving Decatur, AL, we love the opportunity to educate our clients on insurance products, like renter’s insurance. 

What Is Renter’s Insurance?

Renter’s insurance is an insurance product that was designed for those who rent their homes rather than own. It is very important that you do not confuse renter’s insurance with the home insurance your landlord holds on your property. The property insurance policy a landlord holds on the property only protects the landlord in the case that the property is damaged somehow. This type of insurance offers no protection for your personal belongings as the renter. 

What Does Renter’s Insurance Cover?

Renter’s insurance provides coverage over your personal belongings which are housed on the rental property. This can include furniture, clothing, jewelry, technology, and anything else that is of value to you. If the rental property experiences a fire, natural disaster, or burglary and your personal belongings are damaged or lost, the insurance policy will reimburse you for your loss. 

Please remember that renter’s insurance is the only insurance product that protects the personal belongings of renters. 

How Much Insurance Do I Need?

The best way to determine the amount of insurance you will need is to sit down with an insurance representative. They will be able to evaluate the value of your belongings so that you can purchase the right amount of coverage. 

If you would like to learn more about our services, please contact us at Will Wright Agency Inc. serving Decatur, AL today. 

Is Motorhome Insurance Worth It?

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If you live in Decatur, AL, you will appreciate the services that Will Wright Agency Inc offers for your motorhome insurance cover. The policy covers the charges you incur when repairing your motorhome during particular scenarios. It is necessary to buy the insurance if you own a motorhome or if you intend to buy one soon. The benefits are endless, so you have no reason to risk living without them.

Understanding the Extent of Motorhome Insurance Policy

Your motorhome insurance policy will cover you to various limits beyond repair costs. The charges vary from one institution to another, but Will Wright Agency Inc. will offer you an irresistible deal. The following are some options you may consider under the motorhome policy.

  • Comprehensive cover
  • Collision policy
  • Content cover
  • Personal injury option
  • Liability policy

When Do You Need to Buy a Motorhome Cover?

Regulations vary from one state to another. However, most states demand that you buy a defined minimum liability insurance policy. Nonetheless, some allow you to purchase other options for your motorhome. Here are some scenarios.

When You Rely on a Lender

Perhaps you wish to get money from a lender to finance your policy. Most creditors request you to produce the collision and comprehensive insurance to act as security until you complete paying. The terms vary with institutions.

When You Have a Rented Motorhome

Most insurance institutions have limitations, especially if you own a rented motorhome. In such a situation, consider purchasing a short-term policy using credentials from the renting agency. When signing any contract, understand all terms and confirm whether you are comfortable with them. Contact your agent for more clarification in case you do not understand. Ensure that your policy covers all your needs concerning your motorhome before committing yourself. 

If you own a motorhome in Decatur, AL, reach out to Will Wright Agency Inc to get all the help you need for your insurance policy.

What does RV insurance cover?

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If you’re an RV owner in Alabama, you’re more likely to be required to carry RV insurance if your RV has a motor. How much coverage you’re required to carry may vary based on different factors. However, as an RV owner/operator, you’ll at least need to carry liability insurance. The Will Wright Agency Inc. of Decatur, AL takes pride in providing RV coverage to Alabama residents. Alabama residents can also purchase additional coverage beyond liability if needed. 

Basic RV Insurance Requirements

Alabama, like most states, requires RV owners/operators to carry liability insurance if they own/operate an RV with a motor. Liability coverage covers collisions and damage to other vehicles and RVs. If you cause damage to another vehicle or RV, liability covers the repair, maintenance, or replacement of someone else’s RV or vehicle.

RV Collision Insurance

Collisions insurance covers damage to your RV regardless of who’s at fault. This specific kind of insurance includes coverage of RV and motorhome rollovers. Collision insurance pays for damage to your RV or motorhome if you’re in an accident with another vehicle. RV owners who finance or lease their RV may be required to carry collision insurance as well.

Who Needs Full-time RV insurance cover?

Full-time RV insurance is for. RV/motorhome owners who invest in this type of insurance typically live in a motorhome or travel trailer for more than six months a year. This type of coverage provides RV owners with more liability protection and can include other types of coverage to suit their specific needs.

Coverage for an RV You Drive

If you own or operate an RV with a motor you’ll need at least liability coverage. However, more coverage may be needed if you lease or finance your RV. Often, lenders require RV owners to carry collision insurance as well if they are leasing or financing their RV. We’re here to answer any questions you may have regarding RV insurance, give the Will Wright Agency Inc. of Decatur, AL an opportunity to answer your questions and meet your needs.  

Types of Classic Car Insurance

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Classic cars fall under a different cluster of specialization from regular cars, allowing owners to get the benefits of their increased value as opposed to the decreased value that comes with everyday vehicles. But despite these differences, both types of vehicles still require the same level of coverage features. Here are some types of classic car insurance offered by Will Wright Agency Inc. for Decatur, AL drivers.

Liability Insurance

Liability insurance falls under the state’s mandatory coverage and offers protection in instances of bodily injury and property damage. Under bodily injury, liability insurance covers 3rd party expenses arising from hospital fees, while property damage takes care of the costs of replacing and repairing damaged vehicles and property.

Medical Coverage

Medical coverage offers protection to you and your passengers when you get into an accident, allowing you to have peace of mind during your recovery. Medical costs of treatment are taken care of by this policy and any examination expenses arising from your injuries.

Underinsured/Uninsured Coverage

If you get into an accident with an uninsured motorist, you are likely to incur the cost of your medical expenses. If, however, you have an uninsured/underinsured policy, it protects you from such emergencies, along with instances where you get injuries from a driver whose coverage does not fully compensate you.

Collision Insurance

Collision insurance is another type of cover available to classic car owners which protects you when you get into a crash accident. Crash accidents often include collisions with posts, vehicles, or other objects on the road. In addition to this, collision insurance also covers you during rollover accidents, ensuring expenses arising from the replacement or repair of your classic car are taken care of.

Comprehensive Insurance

Comprehensive insurance covers costs of damage arising from other-than-collision incidents, with examples being hail, theft, and vandalism. If your classic car also faces fire hazards, comprehensive insurance sees that costs of repairs or replacement are taken care of.

If you are looking for partners within Decatur, AL to help you keep your classic car protected, it is only ideal working with experts in the field. Contact Will Wright Agency Inc. today for classic car insurance.

How Renters’ Insurance Works

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When you are renting, renters’ insurance is an important part of your overall financial plan. Renting a house, apartment, condo or anything else would be a dangerous proposition without this insurance. It protects you in a number of ways from a wide range of incidents. If you are in need of this insurance for your rented home, contact us at Will Wright Agency Inc. in Decatur, AL to find out more and discuss your renters’ insurance needs. 

Protection Against Disasters and Calamities

If your rented home were to be hit by a serious catastrophe, it could make your home no longer habitable. If this occurs, your renters’ insurance would pay for you to live elsewhere. It would pay a number of expenses related to moving and not having your things. It is good protection against what would be a financial disaster after something serious happens. 

Protection Against Liability

If someone were to get sick or become injured while in your rental, you could be found liable for the medical expenses. When you have renters’ insurance, however, your liability is covered, and the policy would pay for the medical bills up to the maximums set forth in your policy. This is an important protection for you and your financial future. 

Protection for Your Possessions

If something were to happen that ruined your possessions or even destroyed them, it could be a serious financial blow that would be hard to recover from. However, renters’ insurance includes coverage for your belongings. It would help you to keep a steady standard of living even after disaster strikes. Instead of going without, you could replace your items with your insurance payout. 

Schedule an Appointment

Schedule a time to talk to an insurance agent by contacting us at Will Wright Agency Inc in Decatur, AL.

Protect your motorhome with a comprehensive insurance policy

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The Will Wright Agency Inc. understands the complexity of insuring motor homes and is here to provide any guidance that you may need to select the right policy for your needs. We are proud to serve our friends and neighbors in the greater Decatur, AL community, and look forward to working with you too!

Factors to consider when selecting your motorhome insurance

People use their motorhomes in different ways, which can affect the type of insurance that is right for your needs. Road warriors will have different requirements from those who use their vehicles for infrequent camping trips. 

Before you head out on the road, or before you buy your first motorhome, it’s important to make sure that your policy provides the protection you need. Campgrounds and RV parks may have certain insurance requirements, and it is important to do your research to learn more. An experienced agent can review the available options once they learn more about how you intend to enjoy your motorhome. 

Liability insurance can be sometimes overlooked, but it is vital. It is especially important if you host guests in your vehicle or do a lot of traveling. This is just one example of how you use your motorhome can make a difference in the type of policy that you need. Just think how much more you’ll enjoy your motorhome when you know you have the right insurance coverage!

Come talk with us before you hit the road in your motorhome!

If you are a motorhome enthusiast in the Decatur, AL area, Will Wright Agency Inc. is here to meet all of your insurance needs. Call or stop by today to learn more about the different motorhome policy options that are available in the great state of Alabama. 

RV Insurance Coverage Options

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You have purchased an RV, a recreational vehicle of your very own, and cannot wait to load up the family and hit the road but first, you should ensure that you and your investment are protected. The best way to do this is by obtaining an RV insurance policy. To do this, you will need to contact a trusted insurance agent like the agents at Will Wright Agency Inc. in Decatur, AL.

Liability Insurance Required

According to Alabama law, all motorized vehicles on the road have to be insured with at least a liability insurance policy. This type of policy will cover any damages or injuries you cause if you have an accident that is determined to be your fault. This includes RVs.

An additional policy you can obtain that corresponds with a liability policy is an uninsured and underinsured motorist policy. This will cover you, your passengers, and your RV if you are involved in an accident with someone who has no insurance at all or very little insurance.

Comprehensive Insurance Coverage

If you borrowed the money to purchase your RV, you may be required to have comprehensive insurance in place. This will replace or repair your RV if it is damaged or destroyed by a natural disaster, a fire, theft, or vandalism.

Collision Insurance Coverage

If you have an accident and your RV is damaged by another vehicle or object, collision insurance will cover the repairs or replacement.

To protect your RV properly, you should seek the assistance of an insurance agent who is experienced with this type of insurance coverage. The agents at the Will Wright Agency Inc. in Decatur, AL have the experience and knowledge with RV insurance to create a policy that will protect your investment and provide you with peace of mind.

Top 5 Classic Cars That Are on the Rise

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With classic car buyers becoming younger, it is not surprising that demand vehicles are shifting to a newer generation of vehicles, and here are the top 5 classic cars on the rise:

1970 to 1985 Land Rover Range Rover

Known for being a little costlier to repair and more prone to being in the shop, these vehicles appeal to millennials because the entry cost to own a classic SUV is relatively low for the Land Rover Range Rover brand.

1998 to 2000 BMW M Roadster

Given their relative youth, this generation of BMW M Roadsters appeals to the collector car enthusiast that still wants to drive their classic vehicle on the regular. Opt for the M variant over the Z3 and receive BMW’s iconic performance-oriented model that offers unparalleled fun in a small package.

1966 Ford Bronco

With the release of the revamped Bronco later in 2021, it is not surprising that more enthusiasts are trying to get their hands on the original. While bargain prices can be found, expect to pay a substantial sum to restore a Bronco to their original glory. 

Nissan NSX

Another classic that has been brought to life again in recent years is the performance enthused NSX. Known for a sleek and sporty profile, a pristine NSX will fetch into the low $100,000s by 2021. 

Dodge Viper

Known for bringing Chrysler back to popularity, the Viper has a V-10 engine and aggressive styling that always turns head. It may be lacking in creature comforts, but it more than makes up for that once on the track.

When it comes to protecting your investment, opt for classic car insurance for the best coverage. Give us a call at Will Wright Agency Inc. in Decatur, AL to learn more about our classic car insurance. 

Variables Alabama Residents Should Consider While Researching Renters Insurance Policies

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Based in Decatur, AL, Will Wright Agency Inc. serves the community by offering residents multiple types of insurance coverage. We strive to help our clients find policies that will protect them against unforeseen risks.

Renters Insurance Variables

If you are staying in a rental property in the Decatur AL area, renters insurance gives you peace of mind that you will be protected regardless of potential inclement weather or liability issues. The policy covers your property if it is damaged, as well as your personal goods inside the home in case they are stolen. Liability coverage is also important, as you will be covered if you have guests over to your property and they are injured. Here are some other variables to think about while you are researching different policies.

If you have luxury items at your rental property, make sure that you amend your policy to include special coverage. That way, your most prized possessions will be fully covered if they are stolen or an accident occurs. Consider having your luxury items appraised to determine their true value.

Also, keep in mind that your policy should cover you if your rental property is seriously damaged and needs to be repaired. Southern weather can be devastating when it’s severe. However, you can find some comfort in knowing that you will be protected if you need to find temporary housing elsewhere. Consider adding flood coverage to your policy so that you will be covered if a natural disaster causes damage.

If you have pets, add them to your liability coverage. Sometimes pets can cause accidental damage and potential liability issues if they interact with others. Liability coverage will protect you if your pet is having a bad day.

Will Wright Agency Inc. Will Help You Plan For The Future

Visit our website today to learn more information about renter’s insurance.

Protect Your Home with Motor Home Insurance

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If you’re a motor homeowner in Decatur, AL, then you should probably know a little bit about motor home insurance. After all, a motor home is still a home, and you need to have the proper coverage to keep your home safe. Learn about the in’s and out’s of motor home insurance, why it’s a necessity, and how you can get a coverage policy for you with Will Wright Agency Inc. 

What Does Motor Home Insurance Cover?

Motor home insurance is similar to regular home insurance in the sense that it provides you with financial coverage in the event that your motor home is damaged or worse. To give you an idea of how you can be protected, here are some areas in which motor home insurance provides coverage: 

  • Damage 
  • Property damage
  • Other objects on the property
  • Injury
  • Nature damage

These are just some of the areas in which you can receive coverage from motor home insurance. The specific amount of coverage and type of coverage you receive will depend on the type of motor home insurance policy you choose. To find out which motor home insurance policy would be the best for you, visit Will Wright Agency Inc. for a consultation. 

Why Is Motor Home Insurance Important? 

Motor home insurance provides your motor home with many protection features that home insurance provides standard homes. Besides, your home is still a place where you want to raise a family, and it’s something that you can call your own. It only makes sense that you would want the best kind of coverage for your motor home. It may also be required in some states, so depending on where you live, you may have to get the minimum amount. 

Get Protected with Will Wright Agency Inc. 

When it’s time to find the right motor home insurance policy for you, visit Will Wright Agency Inc. for a consultation. Our office proudly serves the Decatur, AL area.