Is Your RV Insured for a Hurricane?

Posted on October 28, 2024October 24, 2024 by admin

Weather events in 2024 have taught us that even if you live in Florence, AL, or anywhere in northern Alabama, a hurricane can damage your RV. Many McBride Benefit Solutions customers ask, "Is my RV insured in case of a hurricane?"

If you carry comprehensive insurance on your RV, the answer is "Yes, except…." McBride Benefit Solutions can help you with the exceptions.

Comprehensive insurance is designed to provide coverage for almost all the hazards RV owners face.

If you carry comprehensive insurance, and a tree falls on your RV, you are covered to the limit of your policy minus your deductible. The same coverage applies if you carry comprehensive insurance and hail knocks out your windshield.

But an ordinary comprehensive rider may not be enough if your RV is knocked over by straight-line winds, carried away by a tornado, or submerged by floodwaters. You may need additional coverage in the event of a hurricane.

The time to get additional coverage is always now. If you take your RV on a trip to the Gulf, you can’t get wind and flood coverage once a tropical storm or hurricane watch or warning goes out, and you can’t get this coverage at the last minute.

And since even inland locations can be affected by powerful hurricanes, we recommend a review of your comprehensive coverage even if you are storing your RV in Florence, AL, or another location far from the coast. If you are storing your RV in a rented, covered stall, your homeowners policy may cover it, but if you have your RV in a garage or shed at home, you will need "other structures" coverage.

Don’t let a hurricane strike without coverage. Call us today to make sure you have the coverage you need.

Seasonal Motorcycle Insurance: Do You Need Coverage Year-Round

Posted on September 30, 2024September 30, 2024 by admin

Riding a motorcycle offers a thrilling experience, but weather changes can affect this. During unfavorable weather, most people store their bikes and cease riding, questioning the need for continuous insurance coverage. At McBride Benefit Solutions, serving Florence, AL, we field queries about seasonal motorcycle insurance and the necessity of year-round coverage.

What is Seasonal Coverage?

Some riders opt to insure their motorcycles only during the peak riding seasons of spring and summer. This strategy may provide short-term savings, but it also carries risks. Without off-season coverage, unexpected expenses could arise if your bike is damaged or stolen while in storage.

Advantages of All-Season Coverage

Year-round coverage offers continuous protection. Even when your motorcycle is parked, risks such as theft, fire, or damage from falling objects persist. Full-year insurance ensures that you’re protected against potential losses, offering peace of mind regardless of the season.

Financial Implications

While pausing your insurance coverage may seem cost-effective, consider the long-term financial impact. If an incident occurs during the off-season, you would bear the full cost of all repairs or replacements. Year-round policies sometimes come with discounts, offering a balance between comprehensive protection and expense.

Flexibility for Unforeseen Rides

Sometimes, unexpected perfect riding conditions show up in the middle of winter. With year-round coverage, you can hop on your motorcycle anytime without concern about insurance gaps, enjoying spur-of-the-moment rides whenever the opportunity presents itself.

For further information on choosing the best motorcycle insurance plan, contact McBride Benefit Solutions in Florence, AL. We’re committed to helping you find coverage that aligns with your riding habits and shields your investment throughout the year.

The Type of Boat Insurance Needed to Sail Abroad

Posted on August 30, 2024August 28, 2024 by admin

The Importance Of Boat Insurance For International Sailing

Every boat owner dreams of sailing abroad at least once in their lifetime. However, one aspect that is often overlooked is the type of boat insurance needed for such an adventure. The team at McBride Benefit Solutions in Florence, AL, can assist you in securing the appropriate coverage for your voyage.

The Necessity Of Boat Insurance For International Travel

The United Nations Convention on the Law of the Sea grants all boats the right to navigate the waters outside their country’s domestic territory. However, without boat insurance, entering a foreign country’s port can be complicated and delay your international sailing voyage.

Before setting sail for international waters, all occupants must possess valid passports or visas. Additionally, the boat’s captain must have the proper boat insurance paperwork and personal identification. European countries, in particular, insist on proof of insurance for boats entering their waters. This makes docking at local marinas a much smoother process.

Providing Protection and Indemnity Coverage

Sailing abroad necessitates more comprehensive boat insurance coverage than what travelling in domestic waters typically requires. A key addition to your policy should be Protection and Indemnity Coverage. This type of coverage is beneficial as it covers bodily injury, property damage, and passenger liability.

Comprehensive liability coverage ensures you get back on the water swiftly following an unexpected insurance claim. This coverage is responsible for all damage and repair costs that may occur, such as damage caused by dragging your anchor, damage to the dock, or injuries sustained from an unforeseen accident. Failing to add Protection and Indemnity Coverage to your policy could leave you responsible for all associated costs.

Considering Overseas Sailing? Contact McBride Benefit Solutions in Florence, AL

If you’re contemplating sailing abroad, get in touch with McBride Benefit Solutions in Florence, AL, to learn more about the coverage needed for such an endeavor. Our staff can alleviate your concerns by crafting an international boat insurance policy allowing you to sail in foreign waters confidently. Schedule an appointment today to learn more.

When You Need A Little More, Umbrella Insurance Has You Covered

Posted on July 30, 2024July 30, 2024 by admin

Insurance is a pivotal part of preparation when it comes to accidents and the unexpected events life throws our way. The main issue is that accidents and unforeseen circumstances create inconvenience and financial burdens and are inherently unexpected. The silver lining is that, in most cases, insurance serves as a sufficient safety net to help individuals navigate these challenging situations. However, the fact remains that unpredictability is associated with these events, which can lead to unexpected outcomes. If you are in the Florence, AL, area and are seeking a reliable partner to assist you with all your insurance needs, the team at McBride Benefit Solutions is here to help.

Umbrella Insurance: When You Need Additional Coverage

Quite frequently, when the impact of an accident surpasses our initial estimations or when an injury proves to be more severe than what was initially believed, the associated costs also escalate. These could be in the form of claims, damages, or repair costs that surpass the limits of your conventional insurance policy. In such instances, an umbrella insurance policy can ensure you stay protected.

While it is impossible to predict when an accident will occur or anticipate its outcome, what we can do is prepare for situations that go beyond the expected. If you need more protection than your standard policy offers, umbrella insurance could be the answer. Partnering with the right insurance agents can prove to be the ideal solution.

Umbrella Insurance in Florence, AL

If you are located in or around Florence, AL, and wish to know more about umbrella insurance or are in need of it, our friendly and professional team at McBride Benefit Solutions is just a phone call away. Don’t let unexpected circumstances catch you off-guard. Avail the extra coverage you deserve with our umbrella insurance solutions. Contact us to explore more and schedule an appointment today.

Options to Add to Medicare

Posted on June 28, 2024July 1, 2024 by admin

McBride Benefit Solutions aims for seniors in Florence, AL, to savor and enhance their Medicare coverage, hence maintaining their health as they age. This blog explains what Medicare parts do and the role of supplemental insurance.

Free Coverage Covers Hospital Stays

Upon reaching 65 years of age, the U.S. government provides you with free Medicare coverage, known as Part A. It requires signing up, but after that, it covers your hospital stays, hospice care, and skilled nursing facilities. In some cases, it extends to home health care as well.

Covering Day-to-Day Medical Care

Preventative care aids Alabamans in staying out of the hospital. However, you must choose and finance the Part B coverage that compensates for annual doctor visits, wellness programs, etc. When registering for Medicare, you decide if you wish to add this coverage—you cannot insert it at a later date.

Prescription Drug Coverage

Contrary to expectations, this coverage isn’t called Part C but rather Part D. It focuses on making medication more affordable. Similar to Part B, you need to select to add Part D when you register for Medicare—inclusion at a later date isn’t permitted.

Other Supplemental Coverage

As situations evolve, consider a supplemental insurance plan if you didn’t have the means to shoulder the high premiums for government coverage of Parts B and D when you registered for Medicare. Medicare recipients have the option to purchase private insurance. Let McBride Benefit Solutions help you discover an affordable alternative to Parts B and D, enabling you to relish high-quality medical care in Florence, AL, as you advance in years.

Can My Roommate and I Combine Our Renters Insurance?

Posted on May 31, 2024June 5, 2024 by admin

Roommates sharing renters’ insurance policies is relatively common, and many insurance companies allow those policies, but they are not for everyone. A shared renters insurance policy can be the best option for some people, but you should consider several issues before choosing that option. If you need answers concerning renters or other forms of insurance, contact our McBride Benefit Solutions team, which serves the Florence, AL, area.

Roommates Sharing a Renters Insurance Policy

Roommates often share renters’ insurance policies for convenience and to save money. Shared policies require a single payment and allow roommates to share the insurance costs. However, renters’ insurance is relatively inexpensive in Alabama, averaging $27 per month for $40,000 in personal property and $300,000 in liability coverage with a $1,000 deductible.

Renters’ insurance is inexpensive, but shared policies can bring complications. One occurs when a roommate moves out. Who pays the premium moving forward? Also, roommates sometimes argue about how to share the cost when one roommate has more valuable possessions.

A crucial consideration, however, concerns if you make a claim. When you are included on a shared insurance policy, each claim becomes part of your seven-year insurance record, so a claim filed by a roommate becomes part of your long-term insurance record.

These issues may cause little concern if your roommate is someone you know well, but that is not always the case. Remember that a shared insurance policy is a shared legal obligation, so a slightly higher expense may be a better option to maintain legal separation.

Insuring with McBride Benefit Solutions

McBride Benefit Solutions serves the Florence, AL, area and will help develop an insurance plan to meet your needs. Call us today at 256-767-2603 or stop in to protect yourself and your possessions.

Getting your RV road-ready? Be sure to check your insurance, too

Posted on April 30, 2024May 2, 2024 by admin

McBride Benefit Solutions is here for the residents of Florence, AL, and the surrounding communities. You can count on us no matter what type of insurance policy you need. RV insurance is just one of the policy lines we specialize in to meet your needs. Give us a call today to find out more!

Enjoy a smooth road ahead.

Taking the time to thoroughly review your current RV policy before you head out on the road helps make your journey smooth. Sitting down with your local agent before RV season gets into full swing can also help you avoid many pitfalls.

RV policy needs can differ based on factors like how many miles you typically put on the vehicle each year, whether you travel from place to place or stay in a park, and where you store the RV when it’s not in use. We can help you review your policy for completeness and ensure that it provides the proper protection for how you use the vehicle. We recommend that our clients look closely at their policies once a year to review the coverage and ensure it makes sense for their needs.

RVs provide a lot of enjoyment and offer you an exciting lifestyle. Let us help you protect that enjoyment and keep you safely on the road for many years to come!

We’re here to help!

If you live in the greater Florence, AL, area, the team at McBride Benefit Solutions is here to help you with all your insurance needs. Give us a call or stop by our office today to learn more. We look forward to seeing you soon!

Buying a New Bike? Here’s What to Know About Motorcycle Insurance

Posted on March 29, 2024March 28, 2024 by admin

Whether getting your first motorcycle or upgrading to a new one after years of riding, having the right motorcycle insurance is important for safety and peace of mind. At McBride Benefit Solutions, we’re here to help you choose the right policy. If you’re in the Florence, AL area, getting in touch with us is the first step toward ensuring that your policy is one that meets your needs and gives you the type and level of coverage you’re looking for.

When you work with a dedicated agent for your insurance policy, you get your questions answered and can access quotes from multiple insurers. That makes it easier for you to choose the bike insurance you feel comfortable with and have the information you need for a good decision. You’ll want to think about how much coverage you’re looking for, the age and value of your bike, how often you ride it, and other factors because they can all play roles in deciding on coverage.

If you aren’t sure you have good coverage currently, that’s another good reason to talk to an agent and see how they can help. You may want to upgrade your coverage to fully protect your bike, or you may be shopping around for quotes that will provide additional features or benefits. No matter your reasons for looking into a new bike policy, our agents are here to help you get all your questions answered and your new policy started so that you can enjoy your bike.

Contact us today at McBride Benefit Solutions if you’re in the Florence, AL, area and looking for a motorcycle insurance policy. We understand how important it is to be adequately protected on a motorcycle and will help you find the right coverage for your bike.

Does boat insurance protect my boat in drydock?

Posted on February 28, 2024February 26, 2024 by admin

Protect Your Boat Anywhere in the U.S. with McBride Benefit Solutions

McBride Benefit Solutions offers robust boat insurance that protects your watercraft and personal items onboard anywhere in the U.S., not just in Florence, AL. Our cover extends to various locations and scenarios, whether the boat is docked or kaleidoscoping through Alabama’s captivating waters.

Guard Your Investment During Storage

As a boat owner, you may realize that your insurance policy covers your watercraft and liability while you’re sailing. But, it also shields your investment when your boat is in storage: at the marina on a wet mooring or resting in drydock. Regardless of where your boat is docked, it remains covered according to your tiered coverage.

If, for instance, a friend incurs an injury while helping you load the boat onto a trailer at drydock, your boat insurance’s liability coverage kicks in. Suppose you include comprehensive coverage in your boat insurance policy. In that case, it could cushion damages incurred while your boat is in drydock due to a break-in or any damage to the drydock itself.

Personalized Insurance That Suits Your Needs

Many insurance service providers promise personalized policies, but at McBride Benefit Solutions, we customize coverage based on how you use and store your boat. This customization allows you to decide the types of coverage that end up in your boat insurance policy.

If you want all eventualities covered, make sure to inform your insurance agent to create a comprehensive policy for you.

Get Your Boat Insured with Us

Contact McBride Benefit Solutions today for a well-rounded boat insurance policy. Before sailing away from your Florence, AL home, ensure you have insured your boat to cover liability, property damage, personal belongings, comprehensive, and collision protection.

Beyond the Basics: How Umbrella Insurance Elevates Protection

Posted on January 22, 2024January 24, 2024 by admin

When you buy insurance of any kind in Florence, AL, you assume that you’ve got all the protection that you need. While having a variety of policies does provide quite a bit of financial protection, umbrella insurance can offer even more peace of mind.

At McBride Benefit Solutions, we have agents who can talk to you about why umbrella insurance is such a critical option.

Umbrella Insurance Goes Above & Beyond

Depending on what you own and where you live in Florence, you may already have a few policies. This can include homeowner’s insurance, car insurance, and even specialty products like RV, boat, and more.

An umbrella policy allows you to extend the coverage of ALL of these policies – kind of like an umbrella offers protection on a rainy day.

Expect the Unexpected

One of the best ways to elevate your protection in Florence, AL, is to expect the unexpected. You do that by making sure that you have thought of every possibility – and remember that you never know what could happen.

While your insurance policies are built based on a few assumptions, the coverage may not be enough. If there is a significant accident or problem, your insurance may not cover as much as you had hoped – and that would mean you’re on the hook for the rest.

You don’t want one accident to bankrupt you, which is why umbrella policies are so important. They kick in when you’ve exhausted the coverage on your standard policy.

Consult With Us

When you’re ready to learn more about how to create an umbrella policy that goes beyond your standard policies, call us. One of our agents at McBride Benefit Solutions can work with you to create an individual policy that will offer you more protection and even more peace of mind.

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