When leasing or buying a car in Alabama, it’s essential to make sure you have auto insurance to protect the investment. Auto insurance provides reassurance for recovering from your loss in case you’re involved in an accident, or the vehicle gets stolen, damaged, or vandalized by a natural disaster. At Larry Burkman Agency in Huntsville, AL, we encourage our customers to pay annual premiums instead of out-of-pocket, as they can be expensive. Remember, you never know the damage you can cause in an accident.
Motorcycle Insurance
As an Alabama motorcyclist, you legally must carry motorcycle insurance and will need to show proof of this when registering with the Motor Vehicle Administration for Alabama. The requirements for the state dictate that a motorist have property damage and bodily injury liability coverage.
Boat Insurance
Larry Burkman Agency is a premier insurance company based in Huntsville, AL. Our company offers insurance policies for boats and watercraft. Alabama law does not require boat insurance. However, if you own a watercraft of any kind, you should have it insured. It is the best way to protect yourself from the financial consequences of an accident or incident.
RV Insurance
Getting the right recreational vehicle or RV insurance is as crucial as getting the RV. It’s an important step that helps protect your investment. Since RVs come in all shapes and sizes, it’s worth learning a few things about them to help you make an informed decision. At Larry Burkman Agency, we recommend speaking to one of our insurance experts to help you determine the amount of policy to buy for your vehicle based on your lifestyle, budget, and other needs.
If you rent your home, you don't have to worry about property taxes and most home maintenance jobs. You should, however, think seriously about insurance. At the Larry Burkman Agency, serving Huntsville, AL, we can help you better understand why you need renter's insurance and help you understand how it works in Alabama. Keep reading to learn more.
Home Insurance
If you’ve ever had an accident at home, which is pretty common, you probably know that home insurance is a critical policy to have in Alabama. Generally, if you buy your home through a mortgage, your lender will require you to carry home insurance to protect the property. The policy helps protect your family and possessions against damage and theft.
Condo Insurance
If you want insurance to cover issues the HOA will not be responsible for, including potential property theft or the possibility of someone becoming injured in your home, you must obtain your own condo insurance.
Starting and running a business can be exciting and worrying at the same time. Besides worrying about customer attraction and retention, you also need to worry about your workers getting injured, theft, and other risks. However, you don't have to worry when you have business insurance. This policy allows you to run your business without fear of getting financially drained.
Commercial Property Insurance
Commercial property insurance is different from home property insurance. It is a combination of property and content insurance. Your home insurance will not give your business the protection it needs. While it might cover a few things, it will not protect your business’s inventory. You need to have property coverage that is specific to the nature of your business.
Workers Compensation Insurance
At Larry Burkman Agency in Huntsville, AL, we recommend having at least three crucial business policies, like workers' compensation, general liability, and business auto insurance. This post covers everything you need to know about business insurance.
Commercial Liability Insurance
Your home policy does provide liability coverage, but if you are conducting business from your home and have customers or clients visiting, you will not be covered if they have a slip and fall and decide to sue. You need to have commercial liability coverage to protect yourself.
Umbrella insurance generally covers all liabilities beyond the limits of your other policies. The policy may provide liability coverage for the following...