Click to Call Schedule an Appointment
A. L. Saland Insurance Solutions, Inc

15135 Ogden Loop
Suite 201
Odessa, FL 33556

Get Directions

A. L. Saland Insurance Solutions, Inc Blog

Author: admin

Insurance Considerations for First-Time RV Buyers

Posted on by admin

Purchasing an RV can add fun and adventure to your life, but insurance considerations must be addressed before making the investment. Your RV usage and frequency will influence your RV insurance decisions. Regardless of your choice, having an insurance agent experienced in dealing with RV owners’ issues is beneficial. Consider the A. L. Saland Insurance Solutions Inc. team that serves the Odessa, FL, area.

Key Considerations for RV Purchase

Selecting the right RV requires anticipating your RV usage and frequency. Here are some key issues to consider:

Space

How many people do you plan to accommodate for sleeping and seating? What amount of gear, living space, and storage space do you need based on your planned activities?

Location

Where will you travel, and for how long? Will you stay in an RV park for extended periods or spend much of your time off-grid?

RV Type

Answering the space and location questions helps determine whether a Class A, B, C, or towable RV best meets your needs. After identifying your target RV, consider renting that model or a similar one to confirm your choice.

The type of RV you acquire directly impacts the forms of RV insurance you need, as does the amount of equipment and personal property you bring. Additionally, the RV type may affect whether you need full-time RV insurance, which is recommended if you spend 150+ nights per year in your RV.

RV Insurance from A. L. Saland Insurance Solutions Inc

The A. L. Saland Insurance Solutions Inc. team, serving Odessa, FL, is ready to help you with your RV insurance needs. Call us today at (813) 995-0292 or stop by to get the coverage you need.

Health Insurance Solutions for Young Families in Odessa, FL

Posted on by admin

Protecting your young family from illness, injuries, and even life-threatening accidents is essential for peace of mind and protection. If you live in Odessa, Florida, knowing how to find a suitable health insurance solution is key to long-term security. At A. L. Saland Insurance Solutions Inc., we can help you compare your insurance options regardless of your family size and the amount of coverage you’re seeking.

Considerations When Comparing Health Insurance Policies for Young Families

When comparing health insurance policies and insurance companies to protect your young family, consider the following:

  • Network: Compare your doctor network to determine which physicians and specialists are available to work with under your preferred policy or plan. Some healthcare policies require you to remain restricted to an in-network list of physicians, while others allow you to seek specialists and your preferred doctors without needing a referral or approval.
  • Deductibles: Consider out-of-pocket maximums and deductibles when comparing plans and overall premiums.
  • Pre-existing Conditions: Consider any pre-existing conditions you, your children, or other relatives in your immediate household have before finding a policy that’s suitable for you. At A.L. Saland Insurance Solutions Inc., we can work with you to identify particular policies that provide comprehensive protection for your young family.

Properly protecting your young family is vital, even if you are relatively healthy and without immediate care needs. At A. L. Saland Insurance Solutions Inc., we work with our clients in Odessa, FL, to find suitable solutions and coverage options to safeguard loved ones throughout all stages of life. To learn more about your health insurance options and solutions in Odessa, contact us today for a quote.

What Is Comprehensive Auto Insurance?

Posted on by admin

Auto insurance protects you from financial liability when various covered events happen to your vehicle. If you have a very basic form of insurance, like liability only, you may want to consider another type of insurance that provides more coverage.

Comprehensive auto insurance is a type of insurance you should consider. The professionals at A. L. Saland Insurance Solutions Inc., serving Odessa, FL, can answer your questions about comprehensive auto insurance. We also help our customers decide which type of insurance is right for them.

What Is Comprehensive Auto Insurance?

Comprehensive auto insurance covers a range of non-collision events. Comprehensive auto insurance may cover if your car is damaged or destroyed in a non-collision-related event.

What Are Examples of Events Comprehensive Auto Insurance Covers?

Policies may vary, but comprehensive auto insurance typically covers many events. Some examples include:

  • Vandalism
  • Theft
  • Windshield damage
  • Fire
  • Weather
  • Various acts of nature

Comprehensive auto insurance typically also covers accidents involving animals like deer.

Should I Consider Comprehensive Auto Insurance?

You’re a good candidate for comprehensive auto insurance if you have concerns that something non-collision-related could happen to your vehicle. Maybe you live on a property with many trees and are concerned about tree branches falling on your vehicle, or you have had many near-misses with deer in your area. Comprehensive auto insurance can help.

If you have specific concerns, talk to your insurance agent to ensure that comprehensive auto insurance will cover the event you’re worried about. The professionals at A. L. Saland Insurance Solutions Inc., serving Odessa, FL, is here to help. We can answer your questions about car insurance. We also work with a range of carriers and can help you find the right car insurance for you.

How Lifestyle Choices and Hobbies Affect Life Insurance Evaluations

Posted on by admin

When applying for life insurance, most people expect to answer questions about their health and medical history. But did you know your lifestyle and hobbies can also greatly impact your policy? At A. L. Saland Insurance Solutions Inc. in Odessa, FL, we want to help you understand how these factors may influence your life insurance evaluations so you can make informed decisions.

The Impact of Daily Habits

Your everyday lifestyle choices are key indicators of risk for life insurance companies. For instance, smoking or heavy alcohol consumption can lead to higher premiums because they are associated with increased health risks. On the other hand, maintaining a healthy diet, staying physically active, and showing evidence of routine medical checkups may work in your favor. Insurers consider the long-term impact of your habits when determining your rates.

Consideration of High-Risk Hobbies

If you’re an adrenaline junkie, your hobbies could impact your life insurance application. Activities like skydiving, scuba diving, or mountain climbing are considered high-risk because of the potential for accidents. While these hobbies don’t necessarily disqualify you from getting coverage, they may result in higher premiums or require you to disclose additional information about your experience and safety measures.

Your Occupation and Travel

Even your work and travel habits can affect your evaluation. Jobs in hazardous fields, like construction or aviation, may increase your risk profile. Similarly, frequent travel to regions with political unrest or health risks could raise red flags for insurers.

At A. L. Saland Insurance Solutions Inc. in Odessa, FL, we’re here to guide you through the life insurance process and help you find the right coverage for your lifestyle. Contact us today to explore your options and take the first step toward securing your future.

Home Insurance and Work-From-Home Businesses

Posted on by admin

Several trends have influenced the relationship between home and work, including the increased number of people running full-time, part-time, or side gig businesses from home. Regardless of the type of business you operate from your home, you likely need office electronics, supplies, or tools. You may also have inventory or other equipment. As the value of your business assets increases, it’s important to note that home insurance policies typically provide minimal coverage for business assets. Therefore, you should consider commercial insurance coverage. If you live in the Odessa, FL area, consider contacting the A. L. Saland Insurance Solutions Inc. team to create a comprehensive home and business insurance plan.

Home Insurance and Working from Home

Your home insurance policy covers personal assets, not business assets. Home policies often cover only $2,500 in business assets. Anything beyond that is uninsured without a commercial insurance policy. Small home businesses with limited assets may only need to add a rider or business property endorsement to their home policy. However, riders typically only double the base business coverage from your home policy.

Businesses often need to insure more than assets and may require professional or business liability insurance.

In-home business insurance can work for companies with revenues below $250,000 and generally offers property, liability, and other common commercial insurance elements.

A Business Owner’s Policy (BOP) may be needed for businesses with more than $250,000 in revenue. A BOP includes the core elements of an in-home policy plus Workers’ Compensation and liability coverage for your residence.

Working with A. L. Saland Insurance Solutions Inc.

The A. L. Saland Insurance Solutions Inc. team serves homeowners and businesses in the Odessa, FL, area. To schedule an appointment, call (813) 955-0292 or use our appointment request form.

Extra advantages you can receive with a Medicare Advantage Program

Posted on by admin

Medicare is a government program designed to provide medical coverage for those over the age of 65 years. Traditional Medicare, often referred to as original Medicare, covers 80% of many medical costs. The remaining 20% is your responsibility, or you can purchase a Medicare supplement policy. Original Medicare also doesn’t include drug coverage, which you must purchase separately. When you choose a Medicare Advantage program, you receive all the coverage of the original Medicare and, in most cases, much more. At A.L. Saland Insurance Solutions in Odessa, FL, we are here to help you make the right Medicare coverage decision.

Deductible

Some Medicare Advantage programs have a yearly deductible for both medical and drug coverage, while many others do not. Many plans offer $0 co-pays for tier 1 and 2 drugs. Original Medicare has a $240 deductible on medical and no drug coverage. We will ask you what drugs you take and check if they are covered and if they have a deductible.

Dental, Eye, and Hearing

With a Medicare Advantage Plan, you may have coverage for routine dental, eye exams, and hearing exams. It may include an allowance for glasses, a hearing aid, and even dentures. Original Medicare does not offer this coverage.

OTC

Many plans offer a quarterly OTC allowance to help pay for things like a new cane, aspirin, cough medicine, and other allowed products. You can buy these products at many local drug stores, big box stores, over the phone, and online. Original Medicare does not offer This Allowance.

Health Club Membership

With most Medicare Advantage programs, you can access Silver Sneakers, Renew, or health clubs as part of your coverage. Original Medicare does not offer this.

Contact our office, A. L. Saland Insurance Solutions Inc., in Odessa, FL, to discuss your Medicare Insurance needs.

Disability Insurance – What to Know as The Owner of a Business

Posted on by admin

Disability coverage protects against illnesses, injuries, and disabilities that prevent an individual from performing their normal duties. This type of insurance coverage could benefit you and your employees. Read on to understand how.

Disability Coverage

Disability coverage replaces lost income, acting as a shield that allows the insured to handle their expenses as normal. This type of coverage can be sought for short or long-term issues.

A short-term policy provides relief if one needs to recuperate for a set amount of time without performing their regular work duties. A long-term policy is essential if one is diagnosed with a condition that will indefinitely put them out of work.

Personal Disability Coverage

You may opt for a disability policy providing personal protection. If you cover yourself, it will aid in handling financial obligations if you become injured or ill. In essence, it may help you continue to operate your business when you cannot perform your usual duties.

Employee Disability Coverage

You may choose a policy safeguarding your employees’ interests. An employee disability plan provides your workers with financial relief if they cannot perform their job duties due to impairments. This type of coverage can be short or long-term.

Get Disability Insurance Coverage

Our agents at A. L. Saland Insurance Solutions Inc. can answer any questions you have about disability insurance coverage. Contact an agent serving Odessa, FL, and they will arrange a time to meet with you.

What Does Your RV Insurance Need to Cover? Don’t Forget These Policy Must-Haves

Posted on by admin

Understanding RV Insurance Coverage in Odessa, FL

Does your RV insurance cover all possible scenarios, both on and off the road? Many insurance companies allow additional coverage options to minimize your potential out-of-pocket costs. If you use your RV as a second home while traveling, it also makes sense to insure its contents. You might also want to consider including roadside assistance and comprehensive coverage for unexpected disruptions and setbacks. At A. L. Saland Insurance Solutions Inc. in Odessa, FL, our experienced agents stand ready to address all your RV insurance questions.

What Does RV Insurance Cover?

RV Insurance commonly covers the cost of damage or injuries if you cause an accident. It may also cover damage to your RV under conditions specified in the policy. Specific RV coverage also varies based on how you use your vehicle. You would need separate insurance for motorized vehicles, while your auto insurance may cover towable RVs.

Which Coverage Types Are Must-Haves?

We recommend basic RV coverage options such as comprehensive and collision coverage, asset protection, and liability insurance. However, there are many other coverage choices to consider.

Comprehensive and collision insurance typically pays for damage to your RV, even if you were at fault in the accident. Comprehensive insurance covers damage from hail, vandalism, and accidents involving animals, such as hitting a deer. Collision insurance covers accidents involving cars, fences, and other objects.

Asset Protection Insurance

Recreational vehicles tend to cost significantly more than most other vehicles. Asset protection insurance protects the contents of your RV, including personal belongings. If you carry along electronics and pricey camping gear, consider adding asset protection to your policy.

Liability Protection

You may be liable for property damage and injuries inside your parked RV. Your RV liability can protect against costs associated with offroad accidents and mishaps.

Roadside Assistance

Roadside assistance usually covers towing for your trailer or motorhome. Consider this coverage for peace of mind and savings during an emergency.

Other RV Insurance Options

Your insurance agent can suggest other RV insurance options, such as uninsured motorists and vacation insurance, for your recreational vehicle. Many options are available to protect your investment and future travel plans.

Are you looking to set up an appointment for RV insurance? Contact A. L. Saland Insurance Solutions Inc. in Odessa, FL, today.

How to Compare Health Insurance Plans in Odessa, Texas

Posted on by admin

Finding an optimal health insurance plan is vital for individuals or families in or around Odessa, TX, particularly in a medical emergency. At A. L. Saland Insurance Solutions Inc., we understand this need and can assist you in comparing health insurance plans in the region to ensure you find a plan that suits your desired coverage.

Identifying Coverage Needs

Consider the age ranges of individuals in your household, pre-existing conditions, and specialty doctors or physicians you may need to visit regularly. Also, consider potential health and lifestyle changes when determining your required coverage.

Comparing Health Insurance Types

To make an informed decision regarding your healthcare and health insurance policies, it’s beneficial to familiarize yourself with common health insurance types, such as:

  • Preferred Provider Organization (PPO): PPO plans often have higher premiums than HMOs but let individuals select doctors outside their specific network. 
  • Health Maintenance Organization (HMO): An HMO plan requires individuals to choose a Primary Care Physician or PCP and select specialists based on in-network referrals.
  • Exclusive Provider Organization (EPO): EPO policies require specific networks of hospitals and doctors and combine features from both PPO and HMO policies.

Review your options online beforehand to compare different health insurance types, policies, and providers. Alternatively, you can compare policies suitable for you and your household by working directly with a trusted insurance agent. 

At A. L. Saland Insurance Solutions Inc., our insurance specialists will work with you in Odessa, TX, to find the best health insurance policy for your individual and family coverage needs.

The Difference Between Collision and Comprehensive Coverage

Posted on by admin

When we think about collision and comprehensive insurance coverages, they are often perceived as a combined deal. However, do you know the difference between the two? At A. L. Saland Insurance Solutions Inc. in Odessa, FL, we want you to understand your coverage well and feel secure that you are aptly protecting yourself, your loved ones, and your vehicle while driving.

Both comprehensive coverage, also referred to as ‘other than collision,’ and collision insurance are optional inclusions to your auto insurance policy. Collision coverage protects your vehicle in the event of a collision with another vehicle, building, or object. Conversely, comprehensive coverage is designed to repair or replace your vehicle if it gets damaged or stolen in situations other than a collision. These instances can include vandalism, fire, theft, or damages from falling objects such as tree limbs or hail.

If you are leasing or financing a vehicle, it is usual for lenders to demand that you carry both collision and comprehensive coverages on your policy until the loan is fully paid off. Collectively, they are often referred to as ‘full coverage.’ Maintaining both coverages can still be beneficial even after the vehicle is paid off.

When deciding on either coverage, choosing a deductible that meets your requirements is essential. While many insurance customers opt for identical deductibles for both comprehensive and collision coverages, it’s not mandatory. We advise discussing your individual circumstances with an agent at A. L. Saland Insurance Solutions Inc. in Odessa, FL, to determine your optimal limits.

The maximum limit that both comprehensive and collision coverages typically pay is equivalent to the actual cash value of your vehicle, which may be less than the amount you owe on your car. If such is the case, you will still owe money to your lienholder after the policy has been paid out.

Let’s Discuss Coverage Together

Contact the licensed professional advisors at A.L. Saland Insurance Solutions Inc. at (813) 995-0292 to discuss the best options for protecting your assets and ensuring your peace of mind.

Archives

Categories

Our Services

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

Testimonials

Partner Carriers

  • Aetna
  • Aflac
  • Allstate
  • Banner
  • Cabrillo
  • Cigna
  • Citizens
  • Edison
  • FedNat
  • Florida Peninsula
  • Gainsco
  • GeoVera
  • Guardian
  • Hagerty
  • Heritage
  • MetLife
  • Monarch
  • Neptune
  • Safeco
  • Security First
  • Tower Hill
  • Travelers
  • TypTap
  • Universal PC
  • Wright Flood
A. L. Saland Insurance Solutions, Inc

A. L. Saland Insurance Solutions, Inc | Website Development by EZLynx® • Copyright © 2025. All Rights Reserved.