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A. L. Saland Insurance Solutions, Inc Blog

Why RV Insurance is a Must For Snow Birds

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Many people who live in northern states will head south come the winter. This way, they can skip the harsh winters found in say the Midwest or Northeast and can instead enjoy temperate weather in places like Florida. While some folks own winter homes, others instead live in recreational vehicles. If you’re opting to use an RV, taking out RV insurance is wise. Contact A. L. Saland Insurance Solutions Inc in Florida to explore RV policies that are perfect for snowbirds.

RV Insurance Provides Peace of Mind

Whenever you’re considering an insurance plan, it’s important to study what is and is not covered. Often, you’ll find that with RV insurance you can select from many different plans that provide varying coverage. Understanding the fine print is important with any insurance plan, and it’s important not to draw assumptions about what is or is not covered.

Motorhomes and other recreational vehicles can be very expensive, potentially costing more than your car or truck. In some cases, homeowner’s insurance might provide coverage for an RV parked at your home. Auto insurance may also provide some coverage for RVs that you’re towing with your insured automobile.

However, the coverage provided is often limited. Damage caused by storms or criminal activity (like a break-in) at a winter campground may not be covered at all. Given how expensive RVs are, and also the fact that you may have expensive valuables stored within the recreational vehicle, it’s wise to take out additional RV insurance plans.

If you’re heading to Florida for the winter, you’re likely looking for rest, relaxation, and warm weather. By mitigating risks, you may be able to enjoy better peace of mind.

We Are Here To Help

Get in touch with A. L. Saland Insurance Solutions Inc to discuss RV insurance options in Florida.

Is Health Insurance Required for Everyone?

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Health insurance is an essential tool for keeping healthy and avoiding losses as a result of medical issues. Today, most Americans are required to have health insurance or incur a penalty unless they are exempt. If you would like to obtain quality health insurance, you can rely on the experts at A. L. Saland Insurance Solutions Inc. We are proud to help the residents of Florida get the insurance coverage they need.

Health Insurance Coverage 

Having the right level of health insurance is essential for maintaining your health. Individuals currently interested in finding health insurance policies that meet their current and future needs can count on our team of experts to help them decide. Each insurance agent is knowledgeable and licensed to assist the residents of Florida with policy selection.

We take the time to get to know each customer to help them determine which policies will benefit them most. Not only do we provide assistance with policy selection, but we can also help with document submissions, changes to the policy during its lifetime, and any claim submissions. We aim to help ensure each customer gets health insurance that offers them the protection and benefits they need to care for their health.

Reach Out Today 

At A. L. Saland Insurance Solutions Inc, we strive to give our customers exceptional support by working closely with them and providing them with information and education about the products we offer. To learn more, please call or stop by our offices today. We can schedule a consultation or provide additional details about the insurance products we provide for Florida residents. Get the health insurance coverage you need to comply with government requirements.

Four things you should do when you’re on the market for auto insurance

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Vehicle owners need to have auto insurance. At A. L. Saland Insurance Solutions Inc., we provide auto insurance to Florida drivers that cover their liability expenses and provides financial protection.

The following are four things you should do:

Learn about coverage types and decide what you want.

There are a few different types of coverage that you can get on your auto insurance policy.

While you must have liability coverage to meet state requirements, you have the option of buying collision and comprehensive coverage.

You also have the option of buying other types of coverage like rental vehicle coverage and roadside assistance. Uninsured/underinsured motorist coverage is another optional type of coverage. 

Get your paperwork together.

When you purchase auto insurance, you need to provide your auto insurance provider with information about your vehicle like your VIN number and vehicle model. 

It’s important to gather paperwork and documents that include needed information like your vehicle title and driver’s license when you buy a policy. 

Research auto insurance providers in your area.

You’ll need to choose which company to buy insurance from. Make a list of the auto insurance providers in your area that have a reputation for reliable coverage and good customer service. 

Get quotes from auto insurance providers.

When you’ve found some insurance companies you are interested in buying coverage from, you should get quotes on policies. You can then compare auto insurance quotes to choose which policy you want to purchase. 

Reach Out To Us

We can offer you a policy quote at A. L. Saland Insurance Solutions Inc. If you’re a Florida driver and you’re choosing auto insurance, give us a call today!

Three ways you’ll benefit from carrying life insurance

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Consumers should be aware of the many benefits they’ll enjoy when they carry life insurance in Florida. A. L. Saland Insurance Solutions Inc can provide you with life insurance that benefits you and your family. 

Here are three ways you’ll benefit from carrying life insurance:

Carrying life insurance makes it so that your dependents won’t be worried about living expenses in the future.

Probably the best benefit of having life insurance is that life insurance protects your dependents financially.

When you have life insurance, you know that your dependents will be provided for if you pass away and your income is no longer available to cover the living expenses of your dependents. 

Life insurance coverage can pay for the costs of your final burial expenses.

Consumers shouldn’t underestimate how expensive it can be to cover final expenses including a funeral and burial. Fortunately, life insurance can cover these expenses so that your loved ones don’t have to pay for them when you pass away. 

Your life insurance policy can add to the retirement savings that you have available. 

Life insurance policies don’t just benefit you financially by providing money to your dependents. Life insurance policies that include a savings component can also help you to save for retirement. 

Whole and universal life insurance are two types of insurance that involve a savings component. These policies will grow in value over time. You’ll be able to use the funds that have accumulated in these policies to make purchases in the future. 

We Are Here To Help!

You can contact us at  A. L. Saland Insurance Solutions Inc to learn more about how you’ll benefit from having life insurance. Florida consumers can call us today to get a quote on a life insurance policy. 

Does Home Insurance Cover Fallen Trees Next to Your Home?

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Having home insurance is vitally important to help mediate risks. A home faces risks from many potential causes, including falling trees from decay or weather-related causes. Trees can cause extensive or catastrophic damage to homes if they fall, so having the right type of insurance protection in place is crucial to prevent losses.

Residents of Florida can count on A. L. Saland Insurance Solutions Inc to provide reliable home insurance coverage to protect against losses from falling trees and other risks.

Home Insurance Protection 

Securing home insurance coverage may mean following specific terms and conditions outlined by the insurance policy. An insurance policy may sometimes require specific pruning or removal of a tree to maintain policy coverage. However, if there are no stipulations in place, home insurance will likely provide coverage if a tree falls through or on your home.

Home insurance is designed to offer policyholders a web of protection against certain risks, such as damage resulting from external sources or unexpected events. Instances like falling trees can present dire consequences for homeowners without adequate coverage. To get the right level of protection to prevent losses resulting from falling trees and other covered events, please get in touch with one of our knowledgeable insurance agents, who can provide more details.

Learn More Today 

Anyone looking for top-quality home insurance protection can rely on A. L. Saland Insurance Solutions Inc to provide ideal insurance protection to the residents of Florida. To learn more, call or stop by our office and schedule a consultation with one of our team members. Be sure to get the coverage you need to protect the things you value.

Turning 65? Understanding your Medicare options

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When you turn 65, you become eligible for Medicare, which is medical insurance that you contribute to all of your working years. It is administered by the government in its original form. It can be pretty scary if you don’t understand all your options. 

A. L. Saland Insurance Solutions Inc in Florida can help you to understand your options and the regulations that exist. 

Traditional Medicare

Traditional Medicare is the plan that the government administers. It is Part A and Part B. You can see any doctor or use any medical professional or hospital that accepts Medicare. This will pay 80% of the agreed-upon fee for the service. You are responsible for paying 20%. It includes no dental or prescription coverage. 

Medicare Advantage

Medicare Advantage plans are administered by insurance companies and are known as Part C. You will have a co-pay for some services, and you will know what they are before you visit. Most plans include prescription coverage as well as dental, vision, and hearing. Some also offer gym memberships, over-the-counter allowances, and more. For some, you will pay an additional monthly fee.

Medicare Supplement

Medicare supplement insurance helps to pay the 20% that Medicare doesn’t pay. It is an additional payment that you pay every month. 

Drug Coverage

The government requires that if you are on Medicare, you must have prescription coverage, Medicare Part D. If you don’t have other prescription coverage and choose not to get Part D, at some point when you may need Part D, you will pay a penalty that never goes away. 

Give Us A Call

Give the office of A. L. Saland Insurance Solutions Inc in Florida a call when want help choosing the Medicare plan or plans that are right for you.  

What are the benefits of having disability insurance?

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If you are in the state of Florida, it is important that you always have insurance to protect yourself. An important form of coverage that people here should consider getting is disability insurance, which will provide various forms of support as you prepare for the future.

There are various benefits that come if you do have a disability insurance plan:

Provide a Source of Income if Ill or Injured

One of the main reasons why you should get a disability insurance plan is that it can provide you with a source of income if you were to become ill or injured. Dealing with a serious illness or injury is always a challenging situation. This can be made even worse if you are not able to work and lose an income. A disability insurance plan will provide you with financial resources, typically set as a percentage of your income, while you recover. 

Peace of Mind

It is also a good idea to have this insurance for peace of mind. If you are sick or injured, the last thing that you or your family should have to worry about are finances. When you have this insurance, it will allow you to focus on your recovery and avoid various financial stressors. 

Contact Us Today

There are many important forms of coverage that the typical person will want to have when they are in the state of Florida. An important form of coverage to consider getting is disability insurance. When you are looking for this type of coverage here, it would be wise to start the search by calling A. L. Saland Insurance Solutions Inc. Our team of insurance experts at A. L. Saland Insurance Solutions Inc knows the value of this coverage and can help ensure you are able to select the best policy for your situation. 

What Kind of Insurance do You Need for an RV?

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There are many different types of insurance available for RVs at A. L. Saland Insurance Solutions Inc serving Florida. The type you need will depend on several factors, including how you plan to use your RV. If you only take it out a few times a year for short trips, you may not need as much coverage as someone who lives in their RV full-time or travels frequently.

Some of the different types of RV insurance available include:

Liability Insurance

This covers damages that you may cause to others with your RV. Florida requires all drivers to have a minimum amount of liability insurance. However, you may want to purchase more than the minimum requirement to protect yourself from costly lawsuits.

It is important to note that liability insurance only covers damage to others. It does not cover damage to your RV or any injuries you may sustain in an accident.

Collision and Comprehensive Insurance

This type of insurance covers damage to your RV caused by things like accidents, fire, theft, and vandalism. Collision coverage typically pays for repairs (less your deductible), while comprehensive coverage pays for the replacement value of your RV, less your deductible.

Full-Timer Coverage

If you live in your RV full-time, you will need a different type of insurance than someone who only uses their RV occasionally. Full-timer coverage typically includes all the coverage types mentioned above and additional protection for things like your personal belongings and trip interruption.

Contact Us Today

No matter what type of RV insurance you need, A. L. Saland Insurance Solutions Inc serving Florida, can help. We are a full-service insurance agency that specializes in RV and motorhome insurance. We can help you find the right coverage for your needs at an affordable price.

What Are Some Key Terms Used in Health Insurance Policies?

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Residents living in the state of Florida are under no obligation to purchase health insurance, however, many choose to do so for a variety of reasons. A representative from A. L. Saland Insurance Solutions Inc will be happy to go into greater detail regarding the options available to you.

Here are some key insurance terms it will be helpful for you to know:

Premium

This is the amount you pay every month for your policy. This can be affected by several factors, such as tobacco use, your age, and the type of insurance policy you have chosen. It will also change depending on the number of dependents covered, and your location can be taken into account as well. 

Deductible

This is the amount you have to pay before your provider will pick any additional costs. Very often, this includes expenses that are associated with benefits covered under your policy and may be subject to specific rules, such as prior authorization, referrals, and determining medical necessity. You may also be required to use a physician or specialist who is in the network. Deductibles tend to reset every calendar year, and the set point can often be chosen by subscribers. 

Provider Network

These are the healthcare professionals who have agreed to work with your insurance carrier and whose contracts allow them to bill for services rendered. These will include a list of hospitals, primary care facilities, and doctors. If you choose to receive treatment by someone not included in this group, this is referred to as an out-of-network provider and can affect how much your insurer can cover. 

Get Health Insurance Today

A. L. Saland Insurance Solutions Inc takes pride in serving those living in the state of Florida, and we look forward to working with you. We invite you to reach out to us for more information today. 

5 Things You Should Do if You’re in an Accident

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No one ever expects to be in an accident, but unfortunately, they happen every day. If you find yourself involved in a car crash in Florida, there are some important things you should do to ensure everyone’s safety and to protect your interests.

At A. L. Saland Insurance Solutions Inc, we want to make sure you’re prepared for anything.

Here are five things to do if you’re ever in an accident:

1. Check for Injuries and Render Aid if Necessary

Before anything else, check if any vehicle occupant has injuries. If there are casualties, call 911 to get them medical attention. Resist the urge to move an injured person as this may worsen their condition.

2. Move Your Vehicle Out of the Way of Traffic, if Possible

Once you’ve ascertained that everyone is okay, you should try to move your car off the road if you can do so safely. If you can’t move your car, turn on the hazard lights. It’s important to get out of the way of oncoming traffic to avoid further accidents.

3. Call the Police

Even if the accident doesn’t seem serious, it’s always a good idea to involve the police so that there’s a record of what happened. The police will also be able to direct traffic around the accident scene and help keep everyone safe. 

4. Gather Information About the Other Driver and the Accident Itself

While you’re waiting for the police to arrive, take a moment to collect some basic information, such as their name, phone number, address, and insurance company details. It’s also a good idea to take pictures of the accident scene with your cell phone so that you have a visual record of what happened.

5. Get in Touch With Your Insurance Company Promptly

As soon as you can after an accident, contact your insurance company and let them know what happened. They will likely want to send an adjuster out to assess the damage and begin working on your claim right away. However, you’ll first need to have the right insurance in place to protect you from the financial repercussions of an accident. 

Protect Yourself on the Road With Insurance

No one plans to get involved in an accident, but knowing what to do if it happens can make a big difference in terms of safety and protecting your interests financially. By following these five steps, you can help ensure everyone’s safety and give yourself the best possible chance of getting fairly compensated for any damages incurred.

At A. L. Saland Insurance Solutions Inc, we’re here to help Florida drivers secure the auto insurance coverage they need to protect themselves on the road. Give us a call today to learn more about our policies and how we can help you.

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