Author: admin

Why Do Lenders Typically Require Burrows to Carry Home Insurance?

Posted on by admin

If you buy a home and take out a loan, such as a mortgage, your lender will likely require that you take out homeowner’s insurance. Some new homeowners are surprised by this requirement. However, as we’ll see below, insuring your home is important for both the owner and lender. If you’d like to explore home insurance policy options and want to speak with an agent serving California, Oregon, Nevada, or Arizona, get in touch with Avail Insurance Solutions LLC.

With Home Insurance Lenders Want to Protect Themselves

When you take out a mortgage or similar loan, that loan is tied to your home or property. This greatly reduces risks for lenders. If someone should fall behind on their payments, the lender can take control of the property and then sell it to recoup their losses. Since this greatly reduces risks, the lender can charge borrowers lower interest rates.

If a home were to be destroyed by a fire, storm, or other event, however, it would greatly reduce the value of the collateral. For the lender, this would greatly increase risks. Further, if someone took out a mortgage but their home ended up destroyed, they might stop making their mortgage payments. From the borrower’s point of view, since they no longer have a home, they may not want to make house payments.

The bank could take control of the land and sell it. However, the land and damaged property may not fetch enough money to cover the outstanding debt tied to the mortgage. For this reason, lenders typically require that borrowers take out homeowner’s insurance. This insurance will in some cases cover the costs of repairing and replacing damaged and destroyed properties. Ultimately, this protects both the lender and the borrower.

Schedule A Consultation Today

Considering home insurance options in California, Oregon, Nevada, or Arizona? Contact Avail Insurance Solutions LLC today.

Four things that might surprise you about your auto insurance policy

Posted on by admin

Motorists in California, Oregon, Nevada, and Arizona should be adequately informed about their auto insurance needs and responsibilities. There might be some things you’re not aware of about your auto insurance policy. At Avail Insurance Solutions LLC, we’re here to ensure that consumers know everything they need to know about auto insurance coverage.

The following are four things that might surprise you about your auto insurance policy.  

Your auto insurance policy might not cover you in the event of damages caused by fire or theft.

All auto insurance policies don’t cover damage from fire or theft. If you want to enjoy coverage for these types of incidents, you need to add comprehensive coverage to your auto insurance policy.  

Your auto insurance might come in handy if your vehicle breaks down on the road.

Many auto insurance policies include roadside assistance coverage. With this type of coverage, you can get towing costs covered when your vehicle breaks down. 

Your auto insurance policy may cover you for rental vehicle costs after an accident.

Rental coverage is one type of coverage that you really should make sure you have on your policy. With rental coverage, you can get a rental car paid for after an accident if your vehicle is in the shop for repairs for a while. 

Your auto insurance policy is impacted by how much you use your vehicle. 

Auto insurance providers usually ask policyholders how often they use their vehicles.

Policyholders who don’t use their vehicle on a daily basis should definitely make sure their insurance provider knows this because they may be able to enjoy a discount as a result. 

Schedule A Consultation Today

If you need to ensure you’re vehicle, call Avail Insurance Solutions LLC to get a quote on an auto insurance policy. We meet the auto insurance needs of consumers in Arizona, Nevada, California, and Oregon. 

Three things that your classic car insurance policy can do for you

Posted on by admin

Classic car insurance from Avail Insurance Solutions LLC can offer you customized protection for your cherished vehicle. We can provide you with classic car insurance whether you’re in Oregon, Nevada, California, or Arizona.  

You might not be aware of all the great things that classic car insurance can do for you.

The following are three things that your classic car insurance policy can do for you:

Protect the investments you make when purchasing and restoring your classic car

Classic car insurance safeguards the investments made in valuable antique vehicles.

With coverage tailored to the policyholder’s unique needs, classic care insurance protects the time, effort, and resources invested in restoring and maintaining classic cars. Insured vehicles are protected against unforeseen risks, preserving their worth for years to come.

Accommodate your limited usage of your classic car

Classic car insurance providers realize that policyholders may not use their vehicles throughout the year. Classic car insurance policies can therefore be tailored to limited usage.

Let your insurance provider know if you don’t use your classic car during certain seasons of the year and your policy can be adjusted accordingly. 

Provide you with the flexibility to choose your repair shop in the event of vehicle damage

Classic car owners are especially likely to want to pamper their vehicle by taking it to a garage of their choice when it needs repairs. Classic car insurance can accommodate this by allowing the policyholder to choose his or her repair shop after filing a claim. 

Consult With Us

Preserve the legacy of your classic car with our assistance at Avail Insurance Solutions LLC! Secure the value of your classic car in California, Nevada, Arizona, or Oregon with our specialized classic car insurance. Get a quote now and protect your vintage treasure for generations to come!

Do You Need All-perils Coverage?

Posted on by admin

Homeowners, when you shop at Avail Insurance Solutions LLC for home insurance for your residence in California, Oregon, Nevada, or Arizona, consider all perils insurance. The insurance industry offers eight forms of home insurance, five for owners of single-family homes. Each of these forms of homeowners insurance offers a different level of peril coverage.

What Is Perils Coverage?

Every home insurance policy offers various facets, including liability coverage and structural damage coverage. Each of the various forms of homeowners insurance offers its own perils coverage, which applies to structural damage and personal property damage when the policy covers it.

The term peril refers to a hazard, whether man-made or natural. Examples of perils include tornadoes, hurricanes, and earthquakes. The only common peril that no homeowners’ policy covers, flood, receives coverage under a flood policy. An HO-1 and HO-8 policy cover the fewest number of perils, ten. Other forms of homeowners insurance cover 15 perils, such as HO-3 insurance or all-perils coverage.

Why Choose All-perils Coverage?

As the name implies, all-perils coverage offers the most comprehensive coverage for your home. It typically covers any and all natural hazards, including meteors falling from the sky and wind damage. All-perils policies also cover man-made hazards, such as vandalism and riots.

Although most people take the attitude of “It can’t happen to me”, home damage eventually happens to every homeowner. By purchasing a policy with all-perils coverage, you obtain an insurance policy that covers any eventuality.

What Perils Coverage Means to You

We at Avail Insurance Solutions LLC want to clarify some of those commercials on television that make home insurance seem like it ensures that damage can’t occur. Instead, home policies ensure that you won’t need to pay out of pocket to repair your home in California, Oregon, Nevada, or Arizona when a peril that’s covered in your home policy. Contact us today to upgrade your home policy to cover your home fully.

Safe driving tips for new drivers

Posted on by admin

Many new drivers in California, Nevada, Oregon, and Arizona are unaware of the risks and responsibilities associated with driving. To ensure safe driving, it is important to understand the basics before taking the wheel. Here are some tips from us at Avail Insurance Solutions LLC for new drivers to help make the roads a safer place.

Safe driving tips for new drivers

1. Always wear a seatbelt

Seatbelts not only keep you safe but they are also required by law in most states. Wearing a seatbelt can significantly reduce the risk of injury or death in case of an accident. 

2. Obey speed limits

Driving too fast increases your risk of getting into an accident and can also lead to costly tickets and fines. Always be aware of speed limit signs posted on the road and drive safely within them. 

3. Understand basic road rules

Familiarize yourself with all local traffic laws and regulations, such as yielding at stop signs, merging on highways, and parked vehicles’ right-of-way rules. 

4. Don’t drive while distracted

Distracted driving is one of the leading causes of crashes across age groups. Avoid using your phone or any other device while behind the wheel that could take your attention away from driving safely. 

5. Take extra caution in inclement weather

Rain, snow, fog, ice, or wind can present hazards when driving conditions become less than favorable – so it’s important to slow down and take extra precautions when bad weather strikes! 

We Are Here To Help

Driving is a privilege that requires focus and responsibility – so make sure you adhere to these tips for safe roadways! For more information, give us at Avail Insurance Solutions LLC a call today We are proud to serve the states of California, Nevada, Oregon, and Arizona.

The Different Types of Classic Cars and the Unique Insurance They Require

Posted on by admin

Classic cars are a popular hobby for many enthusiasts, with so many different makes and models available to choose from. Whether it be muscle cars or vintage European sports cars, classic cars in general require a tailored insurance coverage policy due to their unique construction and designs. 

If you own a classic car, then it’s important to have the right insurance coverage to protect your investment and preserve your piece of automotive history. Avail Insurance Solutions LLC offers insurance coverage for classic race cars in Arizona, Nevada, Oregon, and California.

The Different Types of Classic Cars 

One type of classic car is the American muscle car, with models such as the Ford Mustang and Chevrolet Camaro. These cars require insurance that covers their high-performance engines and uncommon design features. 

Vintage European sports cars, such as the Jaguar E-Type and the Ferrari 250 GTO, are another kind of classic car that require specialized insurance coverage due to their high value and rarity. These cars require coverage that takes into account their unique features, such as their hand-crafted components and limited production runs. 

Classic trucks, such as the Ford F-100 and Chevrolet C10, are also highly prized as vintage pieces of automobile history. These vehicles require insurance that covers their utility as well as their classic status.

Of course, vintage luxury cars, such as the Rolls-Royce Silver Cloud and the Cadillac Eldorado, find their place on the list of highly-sought vintage wheels. These cars require specialized insurance coverage due to their high value and specialized construction that incorporates specific luxuries and amenities that are uncommon even amongst other vintage cars of their time. 

Classic race cars are another popular type of classic car, with models such as the Shelby Cobra and the Porsche 911. These cars require insurance that covers their high-performance engines and their use in racing events.

Consult With Us

Classic cars come in many different types, each with unique insurance requirements. Avail Insurance Solutions LLC offers insurance coverage for a wide range of classic cars, including American muscle cars, vintage European sports cars, classic trucks, vintage luxury cars, and classic race cars in the Arizona, Nevada, Oregon, and California areas. 

What Does a Home Insurance Policy Not Cover?

Posted on by admin

There are numerous reasons why you would want to purchase home insurance. Perhaps you’ve recently purchased your first house, or you own an investment property. Perhaps you are concerned about your family and/or possessions’ safety. Whatever your motivation for purchasing a policy, it is critical that you realize what a conventional house insurance policy does not cover.

Avail Insurance Solutions LLC provides the following guide to help homeowners in and around California, Oregon, Nevada, and Arizona.

What Doesn’t a Homeowners Policy Cover?

1. Flooding

This is one of the most common risks in many parts of the country, but it is usually not covered by regular homeowner policy. If you reside in a high-risk location or have been informed by your mortgage lender that your home is in a flood zone, you must get flood insurance separately.

2. Artwork

If you’re an ardent collector of valuable art, your regular coverage is unlikely to cover the cost of replacing or restoring any damaged or missing pieces. For high-value things like this, you’ll need to acquire additional coverage.

3. Identity Theft 

Suppose someone takes your personal information and uses it to open credit cards in your name, for example. In that case, your house insurance coverage will not assist you in recovering the stolen funds. To cover this type of loss, you’ll need to obtain a second policy.

4. Earthquakes

Standard homeowner’s insurance coverage does not cover earthquake damage. If you live in an earthquake-prone area, you must purchase earthquake insurance separately.

5. War

Your regular homeowner’s policy will not cover the cost of repairs or replacement if your home is damaged or destroyed during a conflict. To protect yourself from this type of loss, you’ll need to obtain a second policy.

Contact Us Today

As you can see, ordinary homeowners’ policies do not cover a wide range of issues. It’s critical to be aware of these factors before purchasing insurance to ensure you obtain the coverage you require. Speak with an insurance representative at Avail Insurance Solutions LLC to learn more about the coverage options available to you. We are proudly serving homeowners in California, Oregon, Nevada, and Arizona and are ready to create a quote for you today!

The Importance of Having Comprehensive and Collision Coverage for Your Car

Posted on by admin

Whether you live in California, Oregon, Nevada, or good ol’ Arizona, as a conscientious car owner, you take all the necessary precautions to protect your investment. However, no matter how careful you are, accidents happen. Comprehensive and collision insurance from Avail Insurance Solutions LLC are essential types of coverage that protect your car from damages that are beyond your control. 

What Is Comprehensive Coverage, and How Does it Protect Your Car?

Comprehensive coverage takes care of damages resulting from incidents that are beyond your control. For instance, if your car is damaged in a hailstorm, vandalized, or stolen, comprehensive coverage will pay for the repairs or replacement. Comprehensive coverage also includes damages caused by animals, such as deer causing a collision. Moreover, this type of coverage also reimburses you when your windshield gets cracked.

Understanding Collision Coverage: When and How It Pays for Auto Repairs

On the other hand, collision coverage pays for damages resulting from an accident with another car or object, irrespective of who is at fault. For instance, if you collide with another car, or hit a tree or a fence, collision coverage will pay for the repairs or replacement.

The Benefits of Having Comprehensive and Collision Coverage for Your Car

The benefits of having comprehensive collision insurance in California, Oregon, Nevada, and Arizona are vast.

Firstly, comprehensive coverage gives you peace of mind that your car is protected in unforeseen circumstances beyond your control. Secondly, collision coverage will eliminate the need for you to pay out of pocket for damages from an accident. Thirdly, both types of coverage can greatly increase the resale value of your vehicle, as potential buyers are more likely to purchase a car that has undergone fewer accidents and had comprehensive protection.

We Can Help!

Comprehensive and collision coverage are essential protections for all car owners. The benefits of having these coverages cannot be overemphasized, as they ensure that your car is protected in various situations beyond your control. At Avail Insurance Solutions LLC, we urge residents of any area to take advantage of comprehensive and collision coverage options to give them peace of mind and protect their investments. Contact us today for more information on how we can help protect your assets.

Three mistakes to avoid when you buy classic car insurance

Posted on by admin

Classic car insurance is important to have if you’re the owner of a classic car. We offer classic car insurance policies to consumers in the states of California, Arizona, Oregon, and Nevada. At Avail Insurance Solutions LLC, we’re happy to provide consumers with answers to their classic auto insurance questions. 

Unfortunately, consumers sometimes make mistakes when they purchase classic car insurance.

The following are three mistakes to avoid when you buy classic car insurance:

Neglecting to consider possible coverage adjustments

Coverage adjustments on a classic auto policy can ensure that coverage is just right for a classic car owner’s unique needs. Possible types of adjustments that policyholders might want include specialized parts and restoration cost adjustments. 

Be sure to understand what adjustment options are and consider adjustments to your policy when you buy classic car insurance. 

Being unfamiliar with how agreed value coverage works

Agreed value coverage is common on classic car insurance policies. This coverage insures the policyholder for a specific value. Standard auto insurance policies commonly insure the policyholder for the vehicle’s market value and not for a specific value. 

Agreed value coverage is important for classic car insurance policies because classic cars tend to be so valuable. 

Not knowing what the eligibility requirements are for classic car insurance policies

Vehicles and policyholders need to meet certain requirements when they buy classic car insurance. All vehicles don’t qualify for such policies just because of their age.

There are typically usage requirements that must be met on classic car insurance policies. For example, classic cars can’t be used for every day driving to qualify for classic car insurance coverage. Drivers need to discuss requirements with insurance providers before they buy classic auto coverage.  

Give Us A Call

Avail Insurance Solutions LLC offers classic car insurance coverage in California, Arizona, Nevada, and Oregon. Contact us for a quote on a policy if you are a classic car owner living in one of these states. 

What Is Not Covered By Standard Home Insurance

Posted on by admin

As a responsible homeowner, you know how important it is to have home insurance that protects your property and personal belongings. However, you should also know that standard home insurance does not cover everything, and there are some limits. 

What Is Not Covered By Home Insurance?

Here are the things that standard home insurance usually does not cover:

  • Floods and earthquakes. If you live in a flood- or earthquake-prone area and you want to protect your property, you will have to purchase separate policies for that because standard home insurance does not cover damage caused by earthquakes and floods. 
  • Regular wear and tear. The older your home is, the more repairs it needs. Unfortunately, home insurance will not cover things related to regular wear and tear, such as worn roofs, cracked window seals, and rotten boards. 
  • Expensive jewelry and other highly valuable belongings. Like any other type of insurance, home insurance has certain limits and does not cover things over a certain amount. It covers your personal belongings, but expensive stuff may require additional coverage. 
  • Insects or rodent damage. If rodents or insects, including termites, invade and damage your house, insurance will not cover repairs. 
  • Fallen or dead trees on your property. Standard home insurance does not cover removing fallen or dead trees in your backyard. There are some policies though that will pay for tree removal if they have fallen due to a storm or damaged your house. 

Avail Insurance Solutions LLC – A Trustworthy Insurance Agency Serving Clients in California, Oregon, Nevada, and Arizona

Are you a lucky homeowner from California, Oregon, Arizona, or Nevada, and are you shopping for home insurance to protect your precious investment? Avail Insurance Solutions LLC is here to help. We specialize in different types of insurance, including home insurance as well. If you have any questions or want to know more about the insurance options we offer, please visit our website or reach out to us via phone.