Why Wear and Tear Isn’t Covered by Home Insurance

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Home insurance is designed to provide peace of mind, ensuring you’re covered in the event of unexpected issues like plumbing problems, fires, or other damage to your property. However, damage caused by wear and tear over time is not covered. While it may seem logical to expect all types of damage to be covered, the reality is that wear and tear falls outside the scope of home insurance. At The Owens Agency LLC in Waldron, AR, we’re here to help you understand why certain limitations exist in your home insurance coverage.

Why Doesn’t Home Insurance Cover Wear and Tear?

Homeowners are expected to take responsibility for maintaining their properties once they purchase them. Insurance providers operate under the assumption that you’ll take the necessary steps to keep your property in good condition. In return, your insurance covers damage that is outside of your control, such as natural disasters or accidents. However, if you neglect your property and damage occurs due to wear and tear, you are responsible. Negligence in maintaining your home means the damage could have been prevented, which is why home insurance won’t cover it.

If you want to avoid costly repairs in the long run, regular maintenance is essential. Home insurance is designed to protect against unforeseen events, not damage caused by neglect.

Protect Your Home With The Owens Agency LLC

Do you need insurance coverage for your home? You can trust The Owens Agency LLC in Waldron, AR to help you find the right policy. Compare quotes with us today!

Are You Considering a Vehicle with a Salvage Title?

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If you’re an Arkansas driver, it’s your responsibility to purchase auto insurance. Many drivers have questions about auto insurance and how it works. If you’re in the Waldron, AR, area, our team at Owens Agency LLC is here to provide a range of insurance options. We’ve been proudly serving drivers like you since 2015.

Are You Considering a Vehicle with a Salvage Title?

If you’re looking for a bargain when buying a car, you may be considering a vehicle with a salvage title. According to Car and Driver, a salvage title is issued by the State Department of Motor Vehicles to declare a car a total loss due to extensive damage. While salvage vehicles cannot be driven in their damaged state, many are refurbished by skilled individuals with expertise in car repair.

The Arkansas Attorney General’s website states that car dealers are required to disclose the extent of a vehicle’s damage to potential buyers. Dealers must also display the salvage designation on a sticker in the car’s window. This notice must detail all damage sustained by the vehicle and any subsequent repairs that have been made. Reviewing this information will help you understand the repairs needed before the car can be safely driven.

Call Us Today for Your Appointment

When purchasing auto insurance, it’s essential to work with an agency you can trust. At Owens Agency LLC, we bring experience and professionalism to every interaction. Drivers in the Waldron, AR, area rely on our team for ongoing support and personalized service. Call us today to schedule an appointment and let us assist you with your insurance needs.

Questions to Ask When Purchasing Truckers Insurance

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If you’re in the trucking business, you know that insurance is more than just a checkbox—it’s your safety net when things go off course. At The Owens Agency LLC in Waldron, AR, we specialize in helping truckers find tailored coverage that fits their needs. Before you commit to a policy, make sure to ask the right questions to protect your livelihood.

What Does the Policy Cover?

While it may seem straightforward, many truckers discover too late that their policy doesn’t cover everything they assumed it would. Be sure to ask about liability limits, cargo protection, physical damage coverage, and downtime coverage. Not all policies offer the same features, so clarify what’s included and what’s excluded.

Am I Covered in Every State I Travel Through?

If your routes cross state lines, it’s critical to confirm that your policy provides coverage wherever you go. Some policies have state-specific restrictions or requirements. Your agent should ensure your coverage complies with all federal and state regulations for every mile you drive.

What Happens If I Need to File a Claim?

Understanding the claims process in advance can save you stress in the future. Ask about the typical timeline for processing claims, the documentation required, and whether roadside assistance or towing is included in your policy.

Is the Agent Experienced in Trucking Insurance?

Not all insurance agents are familiar with the unique challenges of the trucking industry. Working with a team that specializes in trucking insurance, like The Owens Agency LLC, can make a significant difference in the level of support and expertise you receive.

Need help navigating the details? Contact The Owens Agency LLC in Waldron, AR, today. We’re here to ensure your rig—and your livelihood—are protected, mile after mile.

Creating a Solid Foundation: Signs Your House May Need Foundation Repairs

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Your home’s foundation sets the stage for a sturdy structure that will withstand the test of time. When foundational problems arise, they can quickly escalate into serious issues. Detecting foundational issues early can save you from expensive repairs in the future. Here, we’ll explore warning signs to help you act before foundational minor problems become major structural safety concerns.

Cracks in Walls or Floors

Cracks in walls and floors often indicate foundational issues. While hairline cracks are usually harmless, wide or jagged cracks (especially around doorways or windows) often point to serious issues beneath the surface.

Sticking Doors and Windows

It may not be due to humidity if doors or windows become difficult to open or close. Foundational issues can cause shifts in the alignment of your home, which can make it harder to close doors and windows.

Uneven Floors

Floors that feel slanted or have visually noticeable dips can be a red flag for foundational issues. As you walk through your home (or a home you’re considering purchasing), note any uneven floors.

Gaps and Separation

Visible gaps between walls and ceilings, or between walls and floors, can indicate shifts in your foundation. You might also notice gaps between the home’s walls and exterior doors and garage doors, or you might notice gaps where the chimney seems to pull away from the house.

Contact The Owens Agency LLC for a Homeowner’s Insurance Quote

At The Owens Agency LLC, we’re proud to help Waldron, AR residents secure the homeowner’s insurance policies necessary to protect their investment fully. Reach out to us today to discuss our coverage options, or visit our office to chat with a team member.

Comprehensive or Full Coverage Auto Insurance: What’s the Difference?

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When you own a car, it’s important to have the correct type of auto coverage. Different types of auto coverage meet consumer needs. Knowing the differences between these types of coverage can help you find the right type of coverage for your vehicle.

The Owens Agency LLC professionals servicing Waldron, AR, can help. Here’s what you need to know.

What Is Comprehensive Auto Insurance?

Comprehensive auto insurance covers non-collision damage to your vehicle. For example, if your vehicle is stolen, comprehensive auto insurance can pay to replace it.

Comprehensive auto insurance can also pay to repair or replace your vehicle if it is damaged by fire or vandalism. Your insurance agent will discuss the various reviews of coverage that comprehensive auto insurance provides.

What Is Full Coverage Auto Insurance?

Full coverage auto insurance combines all the other types of auto insurance, including liability only and comprehensive auto insurance.

Full coverage will pay to repair or replace your vehicle under many circumstances, including when you cause an accident. If you have a new vehicle and an auto loan, you may be required to get full coverage auto insurance.

Which Type of Insurance Is Better For Me?

If you’re unsure which type of auto insurance is right for your vehicle, the professionals at The Owens Agency LLC servicing Waldron, AR can help you find a type of auto insurance that fits your budget and meets your needs.

We work with many carriers to help our customers find the right type of insurance for their vehicles. Want to know more about getting car insurance for your vehicle? Call today to make an appointment.

Why Trucking Insurance Is Essential for Long-Distance Haulers

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Long-distance trucking is more than a job—it’s a lifestyle. Whether you’re transporting freight across state borders or delivering goods to isolated areas, the road presents its own set of risks. At The Owens Agency LLC in Waldron, AR, we comprehend truckers’ unique challenges and recognize the importance of having the right insurance coverage for protection.

Understanding the Risks of Long-Distance Hauling

Endless hours on the road expose you to unpredictable weather, dangerous driving conditions, and potential accidents. Even the most seasoned drivers can’t control all variables, and a single incident could lead to expensive repairs, lost cargo, or even legal liabilities. Without adequate trucking insurance, you could face substantial financial setbacks that could jeopardize your business.

Comprehensive Coverage of Trucking Insurance

A robust trucking insurance policy does more than just cover your vehicle. It can shield you from liability claims if you’re involved in an accident, cover the cost of repairing or replacing your truck, and even provide compensation for lost or damaged cargo. Depending on your policy, you may also have coverage for breakdown assistance, medical expenses, and uninsured motorists. Understanding your coverage options can help you avoid unforeseen expenses and keep your business operating smoothly.

Securing Long-Term Protection with Insurance

Having the right insurance isn’t just about meeting legal requirements but safeguarding your livelihood. Accidents and breakdowns can occur anytime, but with a comprehensive trucking insurance policy, you can navigate the road confidently.

At The Owens Agency LLC in Waldron, AR, we specialize in assisting truckers to find the coverage that suits their needs. Contact us today to discuss your options and ensure you’re fully protected for the journey ahead.

How to Make a Claim With Home Insurance

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As a homeowner, you know you have the option to make a claim, but do you know what the actual process looks like when tragedy strikes? Below are the steps to filing a claim with your home insurance company that are most efficient for everyone involved.

1. Take Pictures

Before you make a claim, gather pictures and all information so that you can upload it to the claim. Also, collect a copy of any accident report related to the incident that might have been filed.

2. Submit Your Claim

You can either call the main number to speak to a representative about the claim or upload your information online for most companies and file the claim online. Depending on whether you call or submit the claim online, there will still be a link for you to post pictures and any other documentation, like an accident report, to upload with your claim.

3. Contact Your Agent and Adjuster

Once you make your claim, you should be in contact with an adjuster shortly to come out and look at the damage. If you haven’t heard from anyone within 48 business hours, call your agent back or contact the adjuster on file who may have been assigned to your case. You can find this information in your insurance portal, or by calling your agent back for a follow-up.

4. Get Notice of Your Claim

After the adjuster has visited the property and assessed the claim, you should have some resolution within five business days. Based on your claim’s approval, you can move forward with having your home repaired or follow up with the agent if they have a specific contractor in mind.

If you have more questions about home insurance or how to file a claim, we’re happy to help at The Owens Agency LLC. If you’re in the area surrounding Waldron, AR, contact us today for more information.

Benefits of Comprehensive Auto Insurance in Waldron, AR

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As a driver in Waldron, AR, protecting yourself from unexpected accidents, collisions, or rare incidents is crucial. If you’re looking for a way to enhance your protection and coverage on the road, comprehensive auto insurance is a great option. It safeguards your vehicle and investment from unforeseen accidents, weather-related incidents, and theft, providing you with peace of mind whenever you’re driving.

Understanding Comprehensive Auto Insurance

Comprehensive auto insurance goes beyond traditional protection to cover unexpected accidents, disputes, theft, burglary, and even weather-related damage. It complements collision and liability insurance, making it ideal for those who want to maximize their coverage.

Why Comprehensive Insurance is Beneficial

It’s essential to understand why comprehensive insurance is beneficial for drivers in Waldron, AR, whether you drive for work or have multiple drivers in your household.

  • Weather Incidents: Comprehensive coverage can cover damage to your vehicle caused by hail, heavy rain, unpredictable storms, debris, and even flooding.
  • Theft/Vandalism: Comprehensive insurance provides added protection against vandalism and theft incidents.
  • Financial Security: Comprehensive policies alleviate worry and stress related to your coverage, especially after an accident or any damage to your car or truck.
  • Animal-Related Coverage: Traditional auto insurance policies do not always cover animal collisions. Comprehensive policies ensure protection in such cases.

Driving with confidence in Waldron, AR, requires the right insurance policy for you and your household. To learn more about comprehensive auto insurance policies that meet your coverage needs and align with your budget, contact The Owens Agency LLC today for a consultation.

Trucking Insurance for Different Types of Cargo

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If you require trucking insurance, you might not be aware that different insurance options are available depending on the type of load or cargo you haul. At The Owens Agency LLC, serving the greater Waldron, AR area, we aim to help you find the right insurance products. Here’s more information about trucking insurance for various types of cargo.

Insurance for Fragile Items

If you’re transporting fragile items like glass or electronics, trucking insurance can protect them from damage. If something breaks during transit, the insurance can help cover the cost of repair or replacement.

Insurance for Dangerous Goods

Trucking insurance covers additional risks when transporting hazardous items like chemicals or fuel. If there’s a spill or accident, the insurance helps pay for the cleanup and any resulting damage.

Insurance for Perishable Items

If you’re transporting perishable items like food or medicine that need to stay fresh, trucking insurance can cover you if the items spoil. This is crucial if the cargo needs to be kept at a specific temperature, like refrigerated goods.

Insurance for Expensive Cargo

Trucking insurance provides extra protection for valuable items like jewelry or high-tech equipment. If these items get stolen or damaged, the insurance helps cover the replacement cost

Insurance for Regular Cargo

Trucking insurance protects your cargo from damage, theft, or loss of everyday items like furniture or tools. This way, no matter what you’re transporting, you can be confident it’s covered during the journey.

The right trucking insurance is essential to protect your truck and fully load it. At The Owens Agency LLC, serving the greater Waldron, AR area, we can help you find the coverage you need. Contact us today to get started.

What is covered on a standard home insurance policy, and what’s not?

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At The Owens Agency LLC in Waldron, AR, we understand that understanding what is and isn’t covered by a home insurance policy can be confusing. Our agency is staffed with licensed, experienced insurance agents who are well-versed in home insurance, and we’re here to share our knowledge with you.

What is covered in a standard home policy?

A standard homeowner insurance policy typically covers the structure of your home, other structures on your property (like a detached garage or shed), and your personal belongings inside your home.

You can also expect coverage for additional living expenses incurred while your home is uninhabitable and being repaired. These expenses may include extra mileage to work, transportation costs, rent, hotel, food, and pet boarding expenses. These are covered if a covered peril, such as fire, windstorm, lightning damage, explosion, hail, vehicle damage, vandalism, water damage from pipes, falling objects, or the weight of ice and snow on your roof, damages your home.

A standard home insurance policy also covers liability for others injured on your property and legal expenses needed to settle the dispute.

What isn’t covered by a standard home policy?

A standard home policy does not cover earthquakes and floods, but they can be added for an additional cost. Furthermore, standard home insurance policies don’t cover intentional damage, sewage backups, pest infestations, everyday wear and tear, and anything else specifically listed in your policy conditions. Lastly, high-value artwork and jewelry may be covered, but strict coverage limits may exist.

For more information on home insurance

At The Owens Agency LLC in Waldron, AR, we understand you may have more questions about home insurance coverage. We’re here to answer all of them and help you make a well-informed decision about your policy. Call us today at (479) 637-2207.