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The Importance of Having Comprehensive and Collision Coverage for Your Car

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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

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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

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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. 

Tips for making your home a safer place

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Having a safe home gives homeowners peace of mind. You want your home to be safe inside and out. One of the things that provides safety is having the right home insurance. With Avail Insurance Solutions LLC  residents of California, Oregon, Nevada, and Arizona can all get the home insurance that is right for them from a member of our experienced team. 

Tips for making your home a safer place

Clear the walkways

Clear walkways are important both outside and inside your home. Outside your home, if your walkway is obstructed, you could cause someone to slip and fall. This leaves you open to being sued and having to pay for injuries. Inside your home, having clutter in your hallways or on your stairs is also a fall hazard for members of your family. 

Have working smoke detectors

Smoke detectors in your home are vital for your safety. The early warning they provide could save your life. Make sure that you change the batteries every six months to make sure, even if they are hard-wired, you will have the battery backup. 

Add a home security system

Home security has never been less expensive or easier to install than it is today. All the components can be installed in just an hour or so, and you don’t have to be a rocket scientist. You can choose a camera doorbell or spotlights and cameras. Many can be operated with your smartphone from anywhere. 

Use door and window locks

Door and window locks are the basics of home safety. Every home has them, and if you use them, it helps to keep people out of your home. Nothing is foolproof, but this is the least you should do. 

Contact Us Today

If you live in California, Oregon, Nevada, or  Arizona, you can count on Avail Insurance Solutions LLC for your home insurance needs. 

The Importance of Repairing Your Car After Minor Fender Benders

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Here at Avail Insurance Solutions LLC, providing auto insurance to individuals in the states of California, Oregon, Arizona, and Nevada, we often have clients ask us if it is worth filing a claim for and having their vehicle repaired after a minor fender bender. While we cannot advise you as to whether or not you should file an insurance claim or not, what we can tell you is that it is important to have your car repaired after a minor fender bender. 

The Importance of Repairing Your Car After Minor Fender Benders

Minor Fender Benders Affect the Value of Your Car

One of the reasons why you want to have your vehicle repaired after a minor fender bender is because minor dings, dents, scrapes, and scratches can all negatively affect the value of your vehicle. Having the car repaired helps to increase the value of your automobile. 

Minor Fender Benders Can Affect the Stability of Your Car

The second reason why it is important to get your vehicle repaired after a minor fender bender is because a minor fender bender can affect the structure and strength of your car. This can leave your vehicle susceptible to a greater damage if you are involved in another accident in the future. This means that your car may not be able to protect you as it should, which can expose you and your passengers to bodily injury or harm. 

Get Auto Insurance Today

Having the perfect auto insurance coverage for you helps to ensure you are covered in the event of accidents, even for minor fender benders. If you are looking for a new auto insurance policy in the states of California, Oregon, Arizona, and Nevada, the team at Avail Insurance Solutions LLC would love to assist you. Contact us today to get started. 

How Often Should You Review Classic Car Coverage?

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First, let’s take a brief look at what Classic Car Coverage is. This coverage applies to cars with an appreciating value – meaning it rises over time. Insurers classify these vehicles in a few ways and the language can vary by company. Cars of higher value over ten years old are typically referred to as classic, while those over 25 years of age are often described as antique. In some cases, newer cars may be deemed modern or future classics.

Avail Insurance Solutions LLC is happy to discuss the details of your California or Oregon vehicle to better classify it.

When To Review Your Classic Car Coverage

If you already have classic car coverage, it’s a good idea to check in annually to make sure you are adequately protecting your car. Other times you might want to examine coverage include:

  • After completing significant improvements

  • Before taking a longer cruise

  • After purchasing expensive specialty restoration tools

  • After acquiring related valuable memorabilia

Special Coverages to Consider

  • Cherished Salvage – This lets you keep your salvaged car after it’s deemed a total loss and retain your claim payment.

  • Spare Parts & Automotive Tools – This covers special tools and parts used to restore and maintain your classic ride.

  • Vehicle Under Construction -This periodically increases the coverage to ensure it’s protected without having to update your provider after each improvement.

  • Disabled Vehicle – Typically includes roadside and sometimes options like trip interruption coverage. If your classic cruiser breaks down, the cost of getting home is covered, including transit, meals, and lodging.

  • Automobilia – This covers collectibles related to your classic car. It may cover memorabilia like hood ornaments, gas pumps, vintage plates, and more.

Contact Us Today

If you are ready to review the coverages for your classic vehicle in Oregon or California, give Avail Insurance Solutions LLC a call today. Our friendly, knowledgeable staff can review your coverage and ensure you have the protection you need.

Things that home insurance won’t cover

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Protecting your home with the right home insurance is essential to maintaining your financial security. Home policies do have limits and exclusions and it is important that you familiarize yourself with what they are. At Avail Insurance Solutions LLC, we service customers in California, Oregon, Arizona, and Nevada. As independent insurance agents, we are able to offer our customers more choices. 

Home Insurance  Exclusions

Floods

The average yearly amount of damage caused by flooding is more than $800 million. Sadly, home insurance doesn’t cover any of it. But all is not lost. The National Flood Insurance Program offers two flood insurance types; property and content. If you live in an area in danger of flooding, you can get one of these policies. If your flooding is the result of burst pipes in your home, this is covered by home insurance. 

Earth movement

Earth movement includes earthquakes, mudslides, landslides, and sinkholes. If the earth is moving, chances are your home insurance won’t cover any resulting damage. As with flood insurance, you can add separate coverage to protect you from the damage caused by earth movement. 

Owner neglect

As a homeowner, you have a responsibility to maintain your home. Maintenance means making sure that if termites are a potential danger where you live, and that includes much of the US, you need to get your home treated and get a termite bond. Your home insurance won’t cover the damage. You also need to replace your roof when it gets old and if it wears out and leaks, the damage won’t be covered. 

Sewer backup

Is anything more disgusting than a sewer backup? Not much and even worse than that, it won’t be covered by your home insurance policy unless you have a special rider to cover it. 

Get Home Insurance Today

Help us find you the right policy for the coverage home insurance does provide. Contact Avail Insurance Solutions LLC for your home insurance needs in California, Oregon, Arizona, and Nevada.

How Can Auto Insurance Be Green?

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When consumers spend less money on non-renewable products and sources, it makes auto insurance green. We at Avail Insurance Solutions LLC serve California and Oregon and know that people want to be able to spend more of their money on other things such as designer clothing, a sleek car, a nicer home, and healthier eating.

How Can Auto Insurance Be Green?

Insurance companies have started to reward individuals with eco-friendly cars because they have begun to see the benefit of rewarding people who drive them. Car manufacturers are working on making each model more efficient with more green models coming out each year.

But can “going green” result in car insurance savings?

Yes. The concept of green car insurance is meant to reduce the cost of consumer goods, including car insurance. If you are currently driving a green, eco-friendly car, you may be able to get car insurance for less.

Green car insurance has become a new concept based on the profits of insurance companies. Many insurance companies are enticing customers to their products with various incentives.

 Also, many of these insurers offer discounts for vehicles that do not “guzzle gas”. Some discounts are alternative fuel premium discounts, endorsements that permit hybrid replacement, and hybrid vehicle premium discounts.

In pay-as-you-drive (PAYD) programs, which are usage-based insurance, drivers are charged based on how much they use their vehicle, rather than a fixed monthly premium. That rewards them for driving less. This is perfect for drivers with a second vehicle that is seldom driven or people who work from home.

There are other reasons why auto insurance costs on green vehicles are decreasing.

  • Many green vehicles have been manufactured within the last five years, making them subject to new government guidelines regarding safety, making them more desirable to own.
  • These vehicles do not rely on fossil fuels. Therefore, they have a reduced chance of bursting into flames in an accident.
  • Green or eco-friendly vehicles have side-impact airbags, are more impact-resistant, and have brighter lights.

Give Us A Call

We at Avail Insurance Solutions LLC, serving residents of California and Oregon, can answer any questions you may have about “going green” with your auto insurance. Contact us today.

How Do I Insure My Classic Car If It’s Not My Daily Driver?

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If you’re like most people, your classic car is only driven on special occasions. Maybe it’s a weekend cruiser or a summer showstopper – but it’s not your daily driver. So, how do you insure it? What kind of coverage do you need? We are here to answer any questions for our California, Oregon, Arizona, and Nevada clients.

Here are the steps to take for classic car insurance:

1. The First Step is To Talk to Your Insurance Agent

Your classic car insurance policy is going to be different from your regular auto insurance policy. That’s because classic cars are usually only driven on special occasions, which means they have a lower risk of being involved in an accident. But that doesn’t mean you don’t need coverage!

You’ll still need to insure your classic car against theft, vandalism, and other risks. Our professional agents at Avail Insurance Solutions LLC will be able to help you find the right policy for your needs.

2. Choose the Right Coverage for Your Classic Car

When it comes to classic and collector car insurance in California, there are three main types of coverage: agreed value, stated value, and actual cash value.

Agreed value is the most common and straightforward type of coverage. With agreed value, you and your insurance company agree on a value for your car before you start your policy. In the event that your car is totaled or stolen, you will receive the agreed-upon amount.

The stated value is similar to the agreed value, but there is often more flexibility in the stated value amount. Your insurance company will assign a stated value to your car based on factors like the make, model, and age of the vehicle. You can then insure your car for the stated value or for a higher amount.

Actual cash value is the least common type of coverage, but it may be the right choice for you if your car is very old or has high mileage. With actual cash value, the insurance company will determine the value of your car based on its current market value.

Give Us A Call

Classic cars are a great investment, and they can be a lot of fun to drive! When it comes to insuring them, it’s important to talk to an experienced agent who can help you find the right policy. At Avail Insurance Solutions LLC, serving the states of California, Oregon, Arizona, and Nevada, we’re here to help.

Getting Home Insurance For Your Household

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If you are a first-time homebuyer, it’s likely that your mortgage lender will offer you a mortgage rate that is lower than your house payment. In this scenario, you probably won’t be able to afford home insurance. If you’re close to retirement, you might be able to get a home insurance policy for less than your monthly retirement income. For inquiries in California, get in touch with Avail Insurance Solutions LLC.

What To Know About Home Insurance

For low-income households, the government offers help with the cost of homeowners insurance through the Low-Income Homeowner Program. If you’re unable to purchase insurance through the marketplace due to a medical condition or other situation, you can still receive help. Contact your state’s insurance department to learn about providers that offer discounted coverage for low-income households. 

Contact your local or state health department or housing authority for help. There are also options like buying renter’s insurance or earthquake coverage to protect your home. There are also things you can do like reducing your risk by keeping your home clean, fixing any issues that could lead to a claim, and keeping a low profile. If you are looking for cheap home insurance, start by checking if you qualify for a low-cost or no-cost option. There are options like the Health Insurance Marketplace or the state health insurance for those with a low income. 

Not being able to afford home insurance can happen for a number of reasons, including being under the age of 18, being in debt, or having a low income. If you find yourself in this situation, we recommend reaching out to a credit counselor to get help with paying off your debt. Another option is to consider receiving homeowner’s disability insurance to protect your home in case of an unforeseen event. This type of coverage can help cover the cost of repairs if you can’t work due to an injury or illness. 

Contact Us Today

If you can’t afford to buy homeowner’s insurance, there are other ways you can protect your home and belongings. Avail Insurance Solutions LLC in California is here to assist with any insurance queries.