Author: agentinsure

Is Trucking Insurance For Large Companies Only?

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Anyone who drives or owns semi or commercial trucks will need to have trucking insurance. This broad term for insurance refers to coverage that is available for both owner-operators or even large trucking companies. Regardless of how many trucks you want to cover, there is a policy that fits the need.

Trucking Insurance

Trucking insurance is written specifically to tailor to the individual or company who owns the truck or business in question. This coverage provides protection for special hazards and instances of liability that are indicative of the trucking industry. If you are searching for quality trucking insurance, it works best to have an experienced agent who works with you to help discover the right policy to fit your specific needs.

Agents on Your Side

When you are shopping for trucking insurance, you wan to use agents who are on your side, and who are committed to helping you get the best quality protection available so you can have peace of mind while out on the open road. If you live near Waldron, AR, you should consult with The Owens Agency LLC to find out what options are currently available and help you protect your business interests to prevent losses and gaps in coverage. Finding the right coverage is easy and hassle-free when you work with an agent who knows how to give you the right options.

A resident living in or around the Waldron, AR area who is interested in finding top quality trucking insurance should contact The Owens Agency LLC to find out more about trucking insurance and how it can protect their valuable business investment. 

Types of Home Insurance

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Home insurance comes in many shapes and sizes, but there is some basic information to help you get started. These are some of the most common forms and coverages of home insurance.

A basic home insurance policy typically covers the following four areas:

  • Dwelling: This refers to the structure of the home, including things such as walls, floors, built-in items, and attached buildings, like garages.
  • Contents of the home: This protects your furniture, clothing, and other personal belongings.
  • Liability: If a guest is injured in your home or on your property, personal liability is intended to cover the costs.
  • Additional living expenses: If your home is uninhabitable due to a covered event, this coverage will pay additional costs incurred from having to live away from home.

Optional Home Insurance Coverages

There are many additional coverage types that you can add to your basic policy depending on what you need. Some common additional coverages include the following:

Flood Insurance

Flood insurance is required in some areas, but not all. If you live in or near an area that floods often, you should seriously consider purchasing a flood insurance policy even if it is not required so that your house and belongings are covered. As some parts of Waldron, AR do experience flooding, purchasing flood insurance is a wise move.

Earthquake Insurance

Earthquake insurance covers your home in case of an earthquake. It requires a separate deductible.

Other Structures Insurance

This covers structures that are not attached to your homes, such as a shed or an unattached garage.

Medical Payments Coverage

If a guest is injured on your property, whether you are at fault or not, Medical Payments Coverage is intended to pay for the immediate medical treatments.

The Owens Agency LLC wants to help Waldron, AR residents protect their homes, families, and belongings. Our staff is standing by to help you find the coverage you need, so stop by or give The Owens Agency LLC a call today!

3 Tips for Buying Auto Insurance in Waldron, AR

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Whether you’re looking for auto insurance for your first vehicle or your fifth, it always helps to know how to find the best policy and save money in the process. The team at The Owens Agency LLC has put together three simple tips to help you purchase a new auto insurance claim in Waldron, AR.

1. Work with a Reputable Agent

Finding the right auto insurance policy on your own could take you days or weeks. It requires research, quote comparison, and some knowledge about the insurance industry. To be certain you secure the best policy for your needs at the right price, work with a reputable agent who can answer all your questions and concerns and ultimately help you navigate the many insurance companies and quotes.

2. Compare Quotes

Once you’ve selected a reputable insurance agent, it’s time to start comparing several quotes. Go over each one looking precisely at what is offered and at what price. This isn’t a decision you have to make right away. You can take as long as you need to choose the right one, and remember — you’ll always have your agent available to help you.

3. Bundle Your Policies

Chances are you have other insurance policies. An easy way to save money on all your insurance premiums is to bundle them together under one insurance carrier who loves to reward customer loyalty. As always, your reputable insurance agent will help with this process.

To learn more about purchasing an auto insurance policy in Waldron, AR, contact the team at The Owens Agency LLC to get started. Our friendly agents are standing by waiting to take your call. 

Trucking Insurance: For Every Load and Every Trip

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It really doesn’t matter what you haul, if you run vans or reefers, or if you do long, short, or local runs, insurance isn’t optional and that applies to more than the legal considerations. Of course, having required coverages such as liability and cargo is necessary but there is much more to an insurance policy and provider than getting the legally required trucking insurance minimums.

For many trucking companies, The Owens Agency LLC in Waldron, AR has helped businesses meet those requirements and so much more. There is a big difference in insurance needs, from owner-operator needs to the needs of large trucking operations with many trucks and many loads. Getting the right trucking insurance means getting the right plan and coverage for your trucking business.

If your trucking company deals with hauling dry loads such as corrugated or pallets as cargo, then the value of those loads will be considerably different than hauling refrigerated perishables or even electronics. Beyond the legal aspects are the common-sense reasons to get a policy to protect your business.

The right package can also be a great way to improve and even increase business. Some companies won’t even work with trucking companies that don’t meet their insurance standards. This is another smart reason to consider looking at your trucking insurance policy and how it works for your trucking business.

In addition to all of these required and practical reasons to have the right trucking insurance, it is the peace of mind that can’t be replaced, of knowing your customer’s loads, your trucks, and your drivers are protected.

If you are shopping rates or looking for trucking insurance, The Owens Agency LLC in Waldron, AR trucking companies have discovered, can help. From standard legal requirements to insurance policies tailored to your trucking business needs, let us help you stay safe and insured, for every load and every trip.

Tips for filing a homeowners insurance claim

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Homeowners purchase homeowners insurance to give them peace of mind that they will be covered in the event of a claim. However, being prepared to file a claim will help make the process less stressful and help ensure your claim is handled quickly. If you have questions about how to file a claim under your policy, reach out to an agent at The Owens Agency LLC today. 

Call you carrier right away 

It is imperative that you notify your insurance carrier of a claim right away. Place the contact information somewhere safe, so you do not have to search for it. Also, keep your policy number with the contact information, so you have it handy. Some policies have time limits in which you have to file a claim. 

Know your policy terms

Each year, when you go to renew your policy take some time to review the coverage terms. You will want to be sure to check your coverage limits, so you know the limit of any potential claim. 

Find a good contractor ahead of time 

Since you will want any repairs completed on the home by a reliable and reputable contractor, you will want to have their contact information handy in the event you need to file a claim. If you need to scramble at the last minute, you may not get the contractor you would prefer. Be sure the contractor works in the  Waldron, AR area, so they can get to you quickly. In the event, you need to file a claim, call your contractor and have them put together a detailed estimate for the work before the claim adjuster arriving. 

Take photos as soon as possible. 

Once you have called your carrier and your contractor, you will want to start documenting the damage. You should take photos and videos of all the damage. This is especially important if you need to make a change to the damaged area to protect the house before the adjuster arrives. 

If you would like to learn more about how you can best be prepared to file a claim, reach out to an agent at The Owens Agency LLC today. We proudly serve the Waldron, AR area.

Hit by An Uninsured Motorist? Am I Covered?

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If you’ve been involved in a car wreck, the first thing to do is file a report.  This will establish who is at fault for the accident.  What do you do though if you discover that the other person was at fault but doesn’t have auto insurance?  In some states, the rate of uninsured motorists is as high as one in seven (14%).  The agents at The Owens Agency LLC work with drivers in the Waldron, AR area to protect themselves from uninsured/underinsured motorists.

Some states have ‘no-fault’ auto insurance laws meaning that each person involved in accidents pays their own expenses.  In Arkansas, no-fault insurance is considered an add on to the required minimum liability insurance.   This is an option but you can also add uninsured/underinsured motorist coverage to your existing policy.  This will protect you if someone else causes an accident but doesn’t have the ability to cover your medical and repair costs.  After an accident where you are not at fault, you can try to file a claim with your insurance company though not all of them will pay.  Another option is to sue the driver who was at fault.  The reality, though, is that if they do not have insurance the chances are that they do not have many assets so the chances of recovering funds for repairs and medical expenses are low. 

Talk with your Waldron, AR area agent at The Owens Agency LLC.  They will explain the options you have for coverage against uninsured/underinsured motorists.  This will help you decide which option is the best for you and your family.  Visit the website to get started.  Then call or come by for a visit.  A short conversation will get you the protection you need for your family on the road. 

What do I need to know about trucking insurance?

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Owning a commercial truck in the Waldron, AR area can be a great investment and career path. When you own or work on a truck, you also need to remember that you are driving a very valuable asset and that you are hauling some very valuable materials. When you are looking to own or manage a truck, getting trucking insurance will be a very good investment. There are several things that you need to know about trucking insurance. 

It Can Save Your Business

One important fact to know about trucking insurance is that it could save your business. Trucking companies often rely heavily on the cargo that they are carrying. If your truck is vandalized, stolen, or involved in an accident that damages the cargo, it could be devastating for your trucking business. However, if you have insurance, you will receive coverage for your cargo which could save your organization. 

Likely Required

Trucking insurance is also something that will likely be required for you to carry. One part of trucking insurance is to carry liability insurance. This is the same type of insurance that could be required under state laws for all drivers. Also, if your trucking business has any type of loan from a bank, the lender will undoubtedly require that you have a full trucking insurance policy. This will help to protect their collateral when the loan is outstanding. 

If you would like to learn more about trucking insurance, The Owens Agency LLC is a great place to start. The Owens Agency LLC has been helping people all over the Waldron, AR area choose trucking insurance policies for a long time. They will be able to evaluate your situation and make sure that you get into the right policy that meet your needs. 

Do I need home insurance if I don’t have a mortgage?

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Your home is probably the single biggest investment that you will ever make.  When you have a mortgage, your lender will likely require you to have a home insurance policy to protect their investment but what about when you don’t have a mortgage? Is it still a good idea to have home insurance?  At The Owens Agency LLC in Waldron, AR our experienced agents can help you to decide if coverage is right for you. 

Can you repair or replace your home

If your home is destroyed or damaged by high winds, fire or vandalism would you be able to afford to pay to bring it back to its original condition?  Would you be able to replace your furniture, appliances, clothing and personal items? If the answer is no then maybe you can’t live without home insurance. 

Can you afford to stay someplace else

If your home is damaged and is unliveable would you be able to afford to live somewhere else for what could turn out to be months? If the answer is no then maybe you need home insurance. 

If you get sued

If someone is injured while visiting your home or if your dog bites someone would you be able to pay for the litigation and judgment that might result? If the answer is no, you may need home insurance. 

Protecting your home from all the unfortunate things that can happen also safeguards your investment and your assets. Things happen, some of them are bad. Talking to the knowledgeable staff at The Owens Agency LLC in Waldron, AR can help you to guarantee if bad things happen to your home, you have the coverage you need to repair or replace the home you love. Give us a call or stop by our office for a no-obligation quote.

 

 

 

3 Reasons to Never Go Without Auto Insurance Coverage

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No matter where in the United States you may live and drive, purchasing car insurance coverage is mandatory. That said, for residents of Waldron, AR, the following is a list of 3 reasons to never go without auto insurance coverage.

Fines

One of the top reasons you should never go without auto insurance is because you may be hit with costly fines. In many areas, you could be subjected to fines and often times, you must pay a certain fee for every single day you either drove with no insurance or after your insurance has lapsed.

Impounding

On another note, if you are either not offered the option to pay a fine or if you cannot afford to pay the fines, your car may be impounded for the same number of days you drove without insurance. Obviously, this could be a highly detrimental issue for those who have no other form of transportation. Therefore, you will definitely not want to drive without insurance if you do not want to have your car impounded.

Ticket and/or Towed

Lastly, if you are caught on the road by a police officer you will get a ticket and/or have your car towed. Driving without insurance is illegal because if you happen to cause an accident, you will likely have no way to pay for the damages. Therefore, if a police officer becomes aware of the fact that you are on the road without proper coverage, you will suffer the consequences.

Overall, for residents of Waldron, AR, purchasing a premium auto insurance policy is a must. Contact The Owens Agency LLC  today to find out how you can begin your policy and hopefully save some money as well. If you do not have proper auto insurance coverage, The Owens Agency LLC is an excellent option for purchasing a policy.

3 Tips for Buying Trucking Insurance in Waldron, AR

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Are you in the trucking business? If so, it’s important to have the right trucking insurance as this is one of the biggest expenses you company will have. For this reason, you’ll want to get the most for your money. If you’re looking for a new trucking insurance policy in Waldron, AR or need to revisit and existing policy, read on to learn about three important tips that will get you the right coverage and help you save money in the process.

1. Bundle Your Policies

One of the easiest ways to save money on a trucking insurance policy is to bundle it with your other policies under one insurance carrier. You can bundle commercial insurance, home insurance, auto insurance, umbrella insurance, and other policies you may have to get the maximum discount on your premiums. You may want to stick with your current insurance carrier or even switch your policies to a new one.

2. Compare Many Quotes

When purchasing any new insurance policy, it’s important to compare many quotes to find the right policy. The trusted agents at The Owens Agency LLC can help you do this. They will go over each trucking insurance policy with you in fine detail to make sure you understand the coverage and to help you decide on the best policy.

3. Work with a Reputable Agent

Insurance agents are a valuable resource when it comes to buying an all-important trucking insurance policy. The agents at The Owens Agency LLC are standing by to answer all of your questions and concerns and help you find the right policy at the right price. 

To learn more about buying a trucking insurance policy in Waldron, AR, contact our team today.