What to Expect When Filing a Home Insurance Claim

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Many homeowners file a claim with their home insurance company when a covered disaster occurs. Filing a home insurance claim can be stressful if you’re not prepared.

Navigating the process requires organization and diligence. It helps to be familiar with what to expect. Your Avail Insurance Solutions LLC insurance agent, servicing California, Oregon, Nevada, and Arizona, can help. We provide services to help homeowners navigate their home insurance policy.

Starting a Home Insurance Claim: A Step-by-Step Guide

If you have a home insurance claim, start by assessing the damage to your home. Take pictures of your property, and if needed, file a police report. Your insurance company will have questions about the damage. Having pictures and a solid recounting of what happened will make this easier.

Next, contact your insurance agency. They will likely have forms they require you to submit or sign. If you have pictures of what happened, they may ask you for them.

If you incur expenses during the rebuilding process or if you’re staying off-site while your house is being repaired, your insurance company will need receipts to reimburse you. Keep all receipts to make this process easier.

Home Insurance Claim Tips

At Avail Insurance Solutions LLC, servicing California, Oregon, Nevada, and Arizona, we provide excellent customer service to help our customers get the most use out of their home insurance policy. If you’ve experienced a covered event and need to file a claim with your home insurance policy, we can help. Call Avail Insurance Solutions LLC to learn more about how you can file a claim.

Does Auto Insurance Remain Valid in Out of State Moves?

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Avail Insurance Solutions LLC offers auto insurance solutions for residents of California, Oregon, Nevada, and Arizona. However, moving from one state to another requires purchasing a new auto insurance policy suitable for your state of residency. This is because each state in the U.S. sets its auto insurance requirements.

Deadlines for Policy Replacement

Every state has different minimum requirements for auto insurance, so a policy from Arizona, for instance, wouldn’t meet California’s or Nevada’s requirements. Each state defines a time limit for purchasing a replacement policy. It would be best if you generally had the new policy by the time you register your vehicle in your new place of residence. Here are the deadlines for new vehicle registration and driver’s license updates:

  • Arizona – 10 days
  • California – 20 days for registration, 10 days for driver’s license
  • Nevada – 30 days
  • Oregon – 30 days.

As every state mandates proof of insurance for vehicle registrations and driver’s license updates, you need your new auto insurance policy before performing either task.

Difference in Insurance Policies Across States

Whichever state you move to, you need to update your auto insurance to meet its minimum coverage requirements. In the insurance industry, these are expressed as bodily injury per person per accident/bodily injury to all parties per accident/property damage:

  • Arizona – 25/50/15
  • California – 15/30/5
  • Nevada – 25/50/20
  • Oregon – 25/50/20.

Additionally, Oregon drivers must carry uninsured motorist coverage and personal injury protection (PIP) coverage of $15,000.

Get in Touch with Us Today

Ensure you carry the appropriate insurance for your state. Contact Avail Insurance Solutions LLC today to update your auto insurance needs and requirements.

Is It Time to Update Your Classic Car Insurance?

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If you own a classic vehicle, whether you showcase it at events, drive it daily, or store it, it’s imperative that you have adequate coverage to safeguard it. This includes not only procuring the right classic car insurance policy but also maintaining any needed updates should circumstances change. If you’re in Oregon, California, Nevada, or Arizona, Avail Insurance Solutions LLC is here to assist you with significant updates to your policy, guaranteeing it remains current and provides the protection you require.

Numerous reasons might warrant an update in the coverage of your classic car. Perhaps you’ve relocated, or your car storage location has changed. Maybe you’ve started driving it again after a long stint in storage. It could be that you’ve completed a restoration or other upgrades that alter the level of protection it needs. Regardless of the changes you or your car have experienced, we can help you ascertain that you have the right coverage fitting your present needs.

Our agents can supply quotes from multiple insurers and assist you in selecting the ideal policy, so you needn’t worry about whether your classic car holds the type of protection you desire. Peace of mind is exceptionally crucial when you own a classic vehicle, regardless of its condition or whether you drive it. We’ll be pleased to work with you on updates to your policy, whether it involves adjusting the one you have or sourcing a completely new one that more intimately matches your needs.

If you live in California, Nevada, Arizona, or Oregon and are looking to update your classic car insurance, contact us at Avail Insurance Solutions LLC today. We’re here to assist.

What is a Home Insurance Deductible? Avail Insurance Solutions LLC

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Home insurance is a fundamental shield, offering peace of mind against life’s unpredictable twists and turns. At Avail Insurance Solutions LLC, we can help you understand and secure vital protection for your home. We offer services in various locations across the country, including California, Oregon, Nevada, and Arizona. Many of our clients ask about a deductible and how it works. Learn more about home insurance coverage and how we can support you.

What are Home Insurance Deductibles, and How Do They Work?

In insurance terms, deductibles are homeowners’ out-of-pocket expenses before coverage initiates. Essentially, they are your financial obligations before the insurer pays the rest. The deductible amount you choose can significantly impact your overall insurance costs—higher deductibles usually mean lower premiums but a higher financial burden upfront if you need to make a claim.

Navigating home insurance deductibles requires strategic thinking, as balancing affordability with financial security is critical. It is advisable to choose a deductible amount that aligns with your budget and risk tolerance. Understanding how your deductible works can help you make informed decisions about your policy and ensure you’re adequately protected without overpaying for coverage. At Avail Insurance Solutions LLC, we can work with your budget to determine your best options.

Contact Avail Insurance Solutions LLC for a Home Insurance Policy

Avail Insurance Solutions LLC is your choice for homeowners insurance in California, Oregon, Nevada, and Arizona. We understand the details of finding our clients’ best and most affordable insurance. Contact us today to schedule an appointment with an agent and learn more about your options.

Do Auto Insurance Requirements Vary by State?

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Almost all states in the U.S. require drivers to purchase liability insurance to cover bodily injury to third parties as well as property damage. However, the amount of liability coverage you need will vary from state to state. Moreover, some states require you to purchase other forms of coverage besides liability insurance.

Arizona Auto Insurance Requirements

Arizona drivers need bodily injury liability insurance to cover up to $25,000 per person and $50,000 per accident. Additionally, you’ll need at least $15,000 to cover property damage.

California Auto Insurance Requirements

If you drive in California, you’ll need liability coverage of $15,000 per person, $30,000 per accident, and $5,000 for property damage.

Nevada Auto Insurance Requirements

In Nevada, drivers need to have at least $25,000 in bodily injury liability coverage per person as well as $50,000 in liability coverage per accident. Additionally, you’ll need at least $20,000 in property damage insurance.

Oregon Auto Insurance Requirements

In Oregon, you’ll need not just bodily liability and property damage coverage but also uninsured/underinsured motorist coverage and personal injury protection. Minimal coverage requirements for liability and uninsured/underinsured motorist coverage are $25,000 for bodily injury per person and $50,000 per accident. Property damage coverage is $20,000 per accident. Your personal injury protection policy should cover at least $15,000.

Get the Policy You Need from Avail Insurance Solutions LLC

Avail Insurance Solutions LLC makes it easy for drivers in California, Nevada, Oregon, and Arizona to find the insurance coverage they need for any vehicle. We offer minimal coverage options as well as additional forms of coverage to ensure you’re completely covered no matter what happens. Contact us to learn more about your policy options and get personalized advice to help you find great coverage at a great price.

Beyond Ordinary: The Unique Needs of Classic Car Owners in California, Oregon, Nevada, and Arizona

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Whether you reside in California, Oregon, Nevada, or Arizona, Avail Insurance Solutions LLC is here to provide all of the help you need with your classic car insurance. While these policies will often differ from typical auto insurance policies, we are happy to help you understand it all. Be sure to read on to learn more about the following pointers.

Know Your Vehicle’s Value

Collector cars are not always going to maintain the same value. These cars tend to appreciate in value, and it is crucial to bear this in mind. Don’t make the mistake of assuming that classic cars will have the same value that they always had. This is how you ensure that the vehicle in question is guaranteed for the full market value.

Proving Lack of Usage

Classic cars are usually not driven daily, but there are instances where this will need to be proven before a policy can be agreed upon. In most cases, it is best to provide this evidence before it is even asked for. When speaking with insurance brokers, one of the smartest things you can do is provide proof that every other member of your household with a driver’s license is using a different vehicle.

Showing Your Driving Record

A driving record is crucial as far as any form of auto insurance is concerned. However, it is only of added importance for classic car insurance. Depending on the state where you reside, you may only be able to obtain classic car insurance if your driving record is 100 percent clean.

Classic car owners in California, Oregon, Nevada, or Arizona are urged to contact Avail Insurance Solutions as soon as possible. Let our team of professionals offer all of the necessary insights so that you can make a truly informed choice. Contact us today if you have any further questions or concerns about potential policies.

Why Every Homeowner Must Have Home Insurance

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For many people, having home insurance is a requirement. For others, it’s still an essential way to protect yourself. Going without home insurance opens you up to countless risks that could be financially devastating. Don’t go a day without this coverage. To get your policy, call us at Avail Insurance Solutions LLC if you’re in California, Oregon, Nevada, or Arizona. 

Mortgage Lenders

If you get a mortgage loan to buy your home, your lender will require you to have home insurance. This is because the lender is investing heavily in your home. The lender doesn’t want a damaging event to happen to the house that causes damage you aren’t able to pay for. To protect its investment, every lender will require you to have this insurance policy. 

Covenants and HOAs

If you move into an area with a homeowner’s association, or HOA, this organization will have a long list of rules you must follow. One of those will be to have and keep a home insurance policy. An HOA is concerned with the property values of everyone in the area, and this means ensuring and paying for repairs after a damaging event. Even if you don’t have an HOA, you will likely have covenants when you buy your home. These are often less restricting than the rules from an HOA, but they will also require that you have a home insurance policy. The idea is the same- to keep homes in the area from being in disrepair and bringing down property values around it. 

Get Your Home Insurance Policy

We can help when you’re buying a home or switching home policies. Call us at Avail Insurance Solutions LLC to find out more about getting home insurance in California, Oregon, Nevada, or Arizona. 

Can You Purchase Auto Insurance With a Foreign Driver’s License?

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Most car owners are familiar with the above topic, but there are options for individuals to be insured with a foreign driver’s insurance. The Avail Insurance Solutions LLC of California, Oregon, Nevada, and Arizona team can provide further information or tailor a temporary auto insurance policy that safeguards an international driver from potential disaster. 

What are the Parameters for Purchasing Auto Insurance with a Foreign Driver’s Insurance?

Foreign drivers can purchase a short-term auto insurance policy (6-12 months). It is the same requirement as renting a vehicle at the airport. The rental car company often offers minimal auto insurance as part of the agreement. Most insurance companies believe it is the best option for foreign tourists driving in the United States. 

But if your stay is any longer, you must obtain a valid United States driver’s license. Depending on your home country, you could apply for an international driving permit with the local Department of Motor Vehicle (DMV) where you are staying. Keep in mind that you may have to forfeit your country driver’s license.

Canadian Driver’s Requirements

Canadian drivers crossing the American border have slightly different requirements. If they’re vacationing, their driver’s license and a valid auto insurance policy are required to travel throughout the United States.

However, if you are permanently relocating to the United States, you will need a valid driver’s license from a local DMV. The process begins by forfeiting your Canadian driver’s license and passing a written test before receiving a United States driver’s license.

If you have a foreign driver’s license and are planning to spend time in California, Oregon, Nevada, or Arizona, contact our team at Avail Insurance Solutions LLC. We are eager to help you get auto insurance during your stay in the United States. Our expertise can tailor a temporary policy that protects your vehicle for a short-term visit to our country. Call and schedule an appointment today.

What Does Classic Car Insurance Cover

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Protecting Your Vintage Automobile with Classic Car Insurance

Vintage vehicles are a treasured asset for those who appreciate the charm of early automotive technologies. Avail Insurance Solutions LLC offers comprehensive insurance solutions for classic car enthusiasts from California, Oregon, Nevada, and Arizona. We’re dedicated to demystifying insurance coverage and helping you protect your cherished possessions.

What Qualifies as a Classic Car?

For your car to be considered a classic car by insurance providers, it must be at least ten years old and possess a significant historical context within the automotive industry. Ideally, your cherished classic car is not your primary mode of transport. Some insurers also require these vehicles to be stored in a secure garage to qualify. Meeting these specifications enhances the value of your vehicle.

Insuring Your Classic Car

Classic car insurance shares some commonalities with standard auto insurance. For instance, insurers may request your annual mileage to design a policy that offers protection against possible accident damage and bodily injury during vintage car show outings. They may also include coverage for the occasional weekend drive.

The Divergence of Classic Car and Auto Insurance

The primary difference between classic car and standard auto insurance lies in the vehicle’s valuation. A regularly used car depreciates over time, whereas a classic car appreciates in value when restored to its original condition. Each policy defines vehicle usage differently, and coverage is usually based on provided mileage details.

Reach Out to Avail Insurance Solutions LLC

If you’re a classic car owner residing in California, Oregon, Nevada, or Arizona and have queries regarding the right insurance coverage for your vintage car, don’t hesitate to connect with our team at Avail Insurance Solutions LLC. We’re eager to answer your questions and can tailor a policy that safeguards your investment effectively. To schedule an appointment, get in touch today!

Will my homeowners’ insurance pay for the repair of my flooded car?

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Homeowners insurance is property insurance designed to cover a wide variety of different areas. However, there are specific areas that aren’t covered by homeowners’ insurance. For example, certain natural disasters as well as damage that your home sustains as a result of natural wear and tear over time, aren’t covered by your homeowners’ policy.

At Avail Insurance Solutions LLC, our team is committed to helping California, Oregon, Nevada, and Arizona residents understand coverage as well as the benefits of homeowners’ insurance.

What is homeowners insurance?

Homeowners insurance is property insurance with many bundled benefits designed to cover your home’s exterior and interior, foundation, other structures on your property, and assets. It’s also designed to provide liability protection for homeowners as well. However, the terms of coverage should be thoroughly understood because there are circumstances and some forms of damage that aren’t usually covered by a typical homeowners’ policy. An insurance agent can outline what’s covered by your homeowners’ policy as well as what the terms and conditions are. 

Will my homeowners’ insurance pay for the repair of my flooded car?

No. Homeowners insurance doesn’t pay for damage to your home, car, or property that results from flooding. However, if flooding indirectly causes damage, your homeowners’ policy may cover some repairs if they are in compliance with your insurance terms and conditions. However, typically, your automobile insurance will cover the repair of your flood-damaged car. Of course, auto liability insurance will not cover your car’s repairs, you will need to have the appropriate form of auto insurance to receive flood coverage.

Schedule A Consultation Today

If you have questions regarding what’s covered by homeowners’ insurance, call us at Avail Insurance Solutions LLC.  We serve the residents of California, Oregon, Nevada, and Arizona. We’d be happy to answer all of your questions and help you explore your options and benefits.