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Is my trailer covered by RV insurance if damaged while on vacation?

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You are probably wondering whether your trailer will be covered by the RV insurance if it is damaged while on vacation. Well, it will. Rv insurance ensures that you can enjoy your family vacation without worrying about possible costs you would incur in case of an accident. At Will Wright Agency Inc. in Decatur, we will offer you a customized package based on your needs that ensures that you not only have peace of mind but that nothing should stop you and your loved ones from having a good time. Here is what you need about RV insurance

What is RV insurance?

RV insurance is a policy agreement between you and the insurance company to protect your travel trailer or fifth wheel or camper against accidents or damages caused on other people’s property. A standard RV policy covers

  • Body and property damage
  • Personal injury protection
  • property protection
  • collision and comprehensive covers

Be sure to speak to our agents at Will Wright Agency Inc. in Decatur, AL, for specialized RV coverage. This comes in handy if you would prefer a total loss replacement or where your trailer or camper has customized equipment.

Benefits of RV insurance

  • Passenger protection

An RV insurance policy protects your passengers with the liability coverage extending to accidents occurring with your trailer or surrounding property. While on vacation, this will include rented lots or campsites.

  • Freedom and security

Whether you are taking your family for a short getaway or taking them for a deserved road trip, the RV insurance cover will have your back anytime you are on the road.

  • Safeguards your possession

Please speak to our agents at Will Wright Agency Inc. about essential valuables in your trailer or camper when taking an RV policy. This will ensure that these items are fully covered in case of an accident.

Are you thinking about taking that family trip? Feel free to speak to our Will Wright Agency Inc. agents in Decatur, AL, who will guide you on a suitable RV policy suitable for your family vacation.

Who needs to get classic car insurance in Decatur, AL?

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Anyone that loves cars in the Decatur, AL area will likely dream to own a classic car at some point. When you are a classic car owner in this area, it is important that you get the proper insurance in place. There are several situations when someone would benefit from getting a classic car insurance policy. 

Those that Want Appropriate Coverage for Vehicle

One situation when you will want to get classic car insurance is when you want to get appropriate coverage for your vehicle. A classic car is a very unique vehicle that requires some additional consideration when trying to have it insured. Due to the potential for increased value related to the collectible value, getting the coverage amount you need is very important. With a classic car policy, you will have an opportunity to negotiate this replacement value with the insurance provider.

Those that Need Unique Liability Protection

A classic car will need to have liability insurance if you want to drive a car publicly. However, classic car owners likely will drive these vehicles very infrequently. Due to this, their actual liability risk is a lot lower than it would be with a standard vehicle. With classic car insurance, you are able to get an insurance policy that appropriately reflects this risk.

When you are shopping for classic car insurance in the Decatur, AL area you may find that picking the right policy is confusing. The team at Will Wright Agency Inc. can help you to pick a policy that is right for your situation. Will Wright Agency Inc. is able to do this by assessing your needs and helping you to choose and build a policy that properly protects your classic car and gives you peace of mind. 

When do you need renters insurance in Alabama?

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Those that are in the Decatur, AL area will have a variety of housing options to choose from. One great housing option to consider is to rent their home. If you are going to rent your home here, you should get a quality insurance policy. There are several situations when having renters insurance will be necessary. 

When Required by Landlord

One situation when you will need to get renters insurance is when your landlord requires it. When you move into your new Alabama rental home, there is a good chance that your landlord is going to have specific requirements when it comes to insurance coverage. If you do not have this coverage in place, you could violate your lease. Most of the time, the landlord will require that you prepay for a full year of insurance before the start of your lease term. 

When Needing to Protect Assets

Even if you are not required by a landlord to get renters insurance, you should still consider getting it due to the protections that it provides. A quality renters insurance policy will give you protection for all of your personal assets. This can include giving you coverage for your clothing, furniture, appliances, and electronics. If there is a fire or theft, you will receive coverage up to your policy limit. 

Choosing a renters insurance policy in the Decatur, AL area can be a big decision. When you are looking for a new policy, you should speak with the team at Will Wright Agency Inc. As you are looking for a new policy, Will Wright Agency Inc. can help you to guide your decision. They will be able to assess your personal risks and ensure you get into an appropriate policy. 

Why Is Motor Home Insurance Important?

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Motor homes are quite popular in Alabama, and Alabamians are passionate about their RVs. Since buying one is a significant investment, any motorhome owner wants to make sure that it will serve him for years. At Will Wright Agency Inc. from Decatur, AL, we want to help you to protect your precious investment with specialized insurance.

Here is the list of reasons why motor home insurance is so important: 

Protection of Your Vehicle and Belongings

You never know what might happen on the road. Since most RVs are not cheap, by operating your motor home without insurance, you increase the risk of losing your expensive possession in case of an accident. Therefore, getting insurance that protects your RV is a smart decision. Moreover, insurance will cover not only the vehicle itself but also all the contents you have inside of it. 

Liability Protection

Motor home insurance also provides RV owners with liability protection. This means that if you appear to be at fault for an accident on the road, all financial restitution for caused damages will be covered by an insurance company.

Protection of a Driver and Passengers

If you have RV insurance, you do not have to worry about medical bills in case of an accident – your insurance will cover all the medical expenses for you, as a driver and owner, your passengers, and other parties involved in an accident. 

Are you a lucky owner of a motor home and searching for insurance coverage for it? The qualified agents from Will Wright Agency Inc. from Decatur, AL are ready to assist you and help you to find the best option. Do not hesitate to give us a call today to learn more about insurance options available. 

 

Purchasing RV Insurance: Things to Consider

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So finally you have bought the RV that you had been dreaming about for years. Now, it is time to purchase proper RV insurance. Whether you are planning to live in the RV full-time or use it only for your weekend camping trips, camper insurance is a must-have. Will Wright Agency Inc. in Decatur, AL has prepared the list of things to consider when shopping for RV insurance. 

Type of Coverage

There are two types of coverages available for RV owners – full-time and part-time. If you are planning to live in your recreational vehicle and turn it into your home, then you need to get full-time coverage. Part-time or recreational coverage is an option for those who are planning to use their RV occasionally. 

Optional Coverage

In addition to standard RV insurance coverage that protects you from collisions, covers medical bills, and damage of your personal belongings, there is also optional coverage that is worth considering. The most common optional coverage types include the full replacement cost of your RV, roadside assistance, pet injury, emergency expenses, and others. Optional coverage is a tremendous and necessary option for those who use their RVs full-time. 

Insurance Costs

RV Insurance could be quite expensive. To get a better deal on RV insurance, it is recommended to compare quotes from several different insurance companies. Once you found a good policy, do not forget to discuss it with an insurance agent to know exactly what the policy covers, along with any additional costs required. 

If you are shopping for your RV insurance and need more information, contact Will Wright Agency Inc. in Decatur, AL to find the most appropriate quote for your vehicle. Our highly qualified and experienced specialists are ready to guide you in choosing the best coverage suiting your specific needs and budget. 

Protect Your Classic Car Investment for Life With Great Auto Insurance

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Investing and collecting classic cars for many enthusiasts is a hobby that brings much happiness and peace to their lives. It is fun to know the in-depth history behind a classic car and how much time went into it.

At Will Wright Agency Inc., we believe in providing our residents of Decatur, AL with the best insurance options that we possibly can. We understand the importance of classic cars, and it is our mission to help you preserve and protect your classic car. We understand how much love and care you put into your investment. Here are some details to know about when shopping for classic car insurance with us. 

When it comes to classic car insurance, we create and write personalized quotes. Not every classic car is the same. Therefore we do not have a "one size fits all" classic car insurance policy. To consider your car a "classic car," it has to be at least 19 to 24 years old. For liability insurance in the event you get into an accident that injures others and damages their property, then we can offer you compensation. We also have collision insurance, which provides coverage for the costs of repairs you may want/need.

Are you ready to meet with one of our agents to discuss the best route of insurance to take for your classic car? Our agents are always prepared to help our clients with any questions, concerns, and thoughts about the insurance options available to them. To set up a consultation meeting in-person at our office, please call our office in Decatur, AL, and we will nail down a date.

Why Do You Need Alabama Renters Insurance?

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For anyone that lives in the Alabama or Tennessee area, a very exciting time will come when you move into your first home. For a lot of people, this means moving into a rental property. If you are going to move into a rental property, there are a lot of things that you need to get organized and figured out. One important thing to remember to do is to get a renters insurance policy. There are several reasons why you need renters insurance. 

Ensures Lease Compliance

One reason why someone needs to have renters insurance is that it ensures that you are in compliance with your lease. When you are renting an apartment or house, the landlord will likely require that you have renters insurance at all times. If you do not have this coverage, you will be in violation of your lease and could face penalization.

Gives Important Coverage

Another reason why you need to have renters insurance is that it will provide you with very lifesaving coverage. A renters insurance policy is going to provide you with coverage for your personal assets, which will not be covered under the landlord’s insurance. Additionally, you are going to receive liability insurance coverage. This type of coverage will ensure you have coverage in the event that you are found at fault in an accident that results in damages or injury. 

When you are looking for a renters insurance policy, it is important to work with someone that is experienced and that you can trust. The team at the Will Wright Agency Inc. in Decatur, AL can answer any questions that you have regarding all of your needs. The Will Wright Agency Inc.can also help to build a policy that properly protects you and your personal assets. Contact our office in Decatur, AL to speak with our team about your options.

What does motor home insurance cover?

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The state of Alabama requires all drivers to show proof of auto insurance that pays at least $50,000 for bodily injury and a minimum of $25,000 for property damage per accident. The law requires drivers to have bodily injury coverage that pays at least $25,000 per person if only one individual was injured in an at-fault accident. 

Your motor home insurance should provide the minimum coverage as required by state law. The agents at Will Wright Agency Inc. in Decatur, AL can help you find an indemnity policy that provides the financial security you need to drive with ease. 

What does motorhome insurance cover?

The average motorhome insurance plan pays for costs associated with accidents as well as property damage that RV drivers cause in at-fault accidents. Coverage may not extend to appliances in the vehicle and instances where the RV is destroyed at a campsite. RV owners need to purchase additional coverage to pay for such incidents. 

How much does RV insurance cost?

RV insurance premiums can range from $1,000 to $2,000 per term. The exact amount that you will pay for a motorhome indemnity policy depends on a number of factors not limited to:

  • The year and make of your motorhome. New RVs may cost more to insure because of advanced features that are expensive to fix when damaged. 

  • Your driving record. Those with few accidents and citations may pay less than drivers with several infractions. 

  • The primary location of your RV. You may pay more if you live in certain regions of Decatur, AL due to crime and accident rates. 

It is best to speak with an insurance agent at Will Wright Agency Inc. if you want to know how much you will pay for motorhome insurance every month. Call today to get started with a quote on RV insurance in Alabama or Tennessee.

Hitting the Road in Your RV? Plan Ahead for Safe Travels

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RV road trips are a great way to explore the state of Alabama and surrounding areas. Advanced planning is the key to safe, enjoyable RV travels. The following tips from Will Wright Agency Inc. in Decatur, AL can help make your trip a safe, stress-free experience.

Inspect Your RV

Before hitting the road, take time to inspect your RV inside and out to make sure it’s road-ready. Follow a checklist to ensure you don’t forget any aspect of your inspection. Check the hitch, tires, awnings, latches, HVAC system, tanks, and interior and exterior lights. As an extra precaution, have your RV checked out by a trustworthy mechanic to ensure everything is in good working order.

Make Reservations in Advance

Reserve your campgrounds in advance and confirm them several hours before you arrive. Make a list of alternative campgrounds in the area in case your primary choice doesn’t work out. If, for any reason, you can’t keep your reservation, call to cancel so someone else can take your spot.

Map Your Route & Check Road Conditions in Advance

Map your route and check road conditions online to avoid problems with road construction or closures. At the same time, keep track of weather conditions in the areas you’ll be traveling to avoid inclement weather as much as possible when on the road. Take time to enjoy your trip and drive with care to prevent accidents. For a safer, stress-free road trip experience, make safety a priority. 

Review RV Insurance 

Make sure you have the insurance protection you need for your travels. Review your RV insurance policy and update coverage you may be lacking, so you’re not caught unprepared in the event of an accident.

For quality RV insurance at affordable costs in Alabama and Tennessee, contact Will Wright Agency Inc. in Decatur, AL.

Motorcycle Safety Tips for Holiday Riding

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Riding a motorcycle during the winter holidays can be challenging. By taking precautions, however, you can continue to enjoy your bike during the holiday season. These motorcycle safety tips from Will Wright Agency Inc. in Decatur, AL can help keep you safe on the road during the holidays.

Ride Defensively

Congested roads, coupled with cold winter weather, can be hazardous for motorcyclists. For this reason, it’s critical to riding defensively rather than normal. Stay alert at all times, and pay attention to the traffic around you. Whether you’re riding around town or the open highway, be aware of road conditions where you travel. Slow down and maintain a reasonable distance behind other drivers. If you’re agitated or tired, take a break to avoid having an accident. Make safety a priority.

Wear Protective Gear

Wear protective gear designed for cold-weather riding. The right motorcycle gear will protect you as you ride and if you’re involved in an accident. If you’re riding in the evening after dark, wear reflective clothing, so you’re easily seen by other drivers.

Don’t Mix Drinking and Riding

If you plan to drink at a holiday event, leave your bike at home and make alternate arrangements for getting to and from a holiday party.

Service Your Motorcycle Before Hitting the Road

Service your bike before hitting the road to ensure all systems are working correctly. Check your brakes, lights, signals, horn, and tires. By ensuring your motorcycle is roadworthy for winter riding, you reduce your risk of breakdowns on your travels.

Review Your Motorcycle Insurance Coverage

Review your insurance coverage to ensure it’s up to date, and you have the protection you need against holiday accidents. To update your motorcycle insurance for holiday riding, contact Will Wright Agency Inc. in Decatur, AL.