Factors That Small Business Owners Should Consider While Researching Trucking Insurance Policies

The Owens Agency LLC assists the Waldron, AR community by offering residents different insurance policies. We are committed to helping our clients find the coverage that they need to protect their most valuable possessions.

Trucking Insurance

For many small business owners throughout Waldron AR, searching for trucking insurance can be a difficult process at times. Trucking insurance can be an integral part of the success of your business. The policy covers the truck in the event that it is damaged or vandalized, as well as the cargo container on the truck. Here are some other factors that small business owners should consider while researching trucking insurance.

Regular Maintenance

Make sure that the truck gets regular maintenance. Also, make sure that you keep updated records on the status of your truck. Keep tabs on the number of miles that your truck is driven on a regular basis. If your truck is used domestically, that may impact your coverage.


Depending on the type of cargo that your truck hauls, you may have to amend your policy. Consider looking at additional coverage if you are hauling cargo that is valuable but fragile. Take pictures of all of the cargo on the truck before your drivers transport it. Also, consider investing in a driver cam. Driver’s cams can help clarify things in the event that a situation arises.


Make sure that the employees on your staff are credible drivers. It’s important that all of your prospective drivers go through the screening process. This will help you uncover any red flags regarding their driving history.  

Consult With The Owens Agency LLC

We will help you navigate the process of finding trucking insurance so that you can protect your business. Visit our website to learn more information.

3 Reasons to Update Your Home Insurance

Home insurance needs to be reviewed regularly to ensure you have the protection you need for your property. If you renovated your Waldron, AR home over the last year or added costly goods to your inventory, you may need to increase your coverage to protect your investments. By discussing these changes with an agent from The Owens Agency LLC, we can help you determine if it’s necessary to update your home policy to retain the protection you need. Here are a few reasons why an update may be necessary.    

Increase in Home Value

Major home upgrades like bathroom or kitchen remodels can raise your home’s value. If your dwelling insurance doesn’t cover the new value of your Waldron, AR home, you’ll need to raise it in order to fully protect your structure. This requires an update to your policy. Otherwise, you could be caught short if your home suffers total loss in a disaster.

Home Insurance Discounts

Home upgrades that enhance the safety or security of your property such as new windows, installation of a security system, new plumbing, or electrical system may qualify you for a discount on your home insurance. To get that discount, you’ll need to update your policy.

Purchase of Costly Goods

If you purchased high-end goods or received costly gifts after obtaining your home insurance, you’ll need to update your policy to add these goods to your coverage so they can be protected with the rest of your items. You may need to increase your property coverage to cover the value of your new items. If the limits on your policy aren’t sufficient to fully protect your new gifts or goods, you may need to purchase an insurance rider to protect these valuables.

For more information on updating your home insurance policy, contact The Owens Agency LLC today.

Common Reasons To Have An Auto Insurance Claim Denied

Your auto insurance is going to protect you from most hazards in Waldron, AR, but there are plenty of reasons why a claim might be denied. Here are some of the most common:

  • You don’t have the coverage you think you have. If you buy the bare minimum, that only covers liability. You at least need comprehensive and collision to cover your car, and you may want to consider gap insurance to cover the rest of your car payments, and replacement insurance to buy a new car.
  • You didn’t make your report on time. It varies from one insurer to the next, and even from policy to policy, but your insurer expects you to file your claim within a certain timeframe.
  • You forgot to tell your insurer about your new car. You should tell your insurance agent right away when you buy a new car. It’s probably going to be worth more than the old one, so you don’t want to find out that your new car is insured at a pre-owned value.
  • You didn’t get your facts straight. For instance, if you filed an uninsured motorist claim but the other driver does have insurance, you’ll probably see your claim being denied.
  • Disputed liability. Simply put: It’s not quite clear who’s at fault just yet, and you won’t be able to file a claim until the matter is settled.

If you’re looking to get covered in Waldron, AR, or if you have any questions, get in touch with us at The Owens Agency LLC. You can call, get online or stop by the Owens Agency LLC offices and we’ll see what we can do to get you covered.

Do You Need Trucking Insurance?

Are you a professional truck driver? If so, you already know how much you rely on your rig. It is your lifeblood. It is your own small business. Whether you are a contractor that works with different companies or you work exclusively with one service provider, you need to do whatever you can to take care of your truck. Naturally, you’re already an exceptional driver, but what happens if something happens to your truck while on the road? Repairs are not cheap for a vehicle of your size and paying out of pocket isn’t a viable option. That is why you need trucking insurance. Here at The Owens Agency LLC, we want to protect you and help connect you and your truck. So if you live around Waldron, AR, let us assist you. 

Trucking Insurance

You need some kind of insurance for your commercial vehicle. It isn’t just about your regular auto insurance but commercial insurance protects you while you drive for work. Trucking insurance will go a step further as your vehicle is completely different from the standard vehicle most drive. Due to the larger engine and other equipment on your truck, you will want to invest in trucking insurance. 

Protect Your Profession And Rig With Trucking Insurance

Your rig is, in many ways, your life. You depend on it, and as such you need to do what you can to protect it. One of the best ways to do this is with trucking insurance. Trucking insurance will help with repairs and assist you while on the road if you run into problems. This way, you can get back on the road faster. If you have questions about trucking insurance and live in greater Waldron, AR, contact our staff here at The Owens Agency LLC today. 

What happens to my home insurance policy after a security system installation?

Living in the safest neighborhood in Waldron, AR does not mean that you are entirely safe from burglaries. That is why The Owens Agency LLC, recommends buying a home insurance policy. However, many residents today are installing a home security system as an additional form of protection. While this may be your idea, it can directly affect your home insurance policy. Read on to understand how a home security system can affect your home insurance policy.

Your premiums can either reduce or increase.

How a security system affects your policy heavily depends on many factors that can either lower or raise it. Some of these factors include the type of system, your insurance limits, your address, and many more. Different insurance companies will give different deals, and if your premium is reduced, it may not offset the cost you incurred installing the system.

Remember, you will also need to cover the system in your coverage. Therefore, before installing your security system, it is critical that you first calculate the value it is bringing on the table. 

 How can I reduce insurance costs with a home security system

Fortunately, there are ways you can reduce your insurance costs and still make your home safer:

  • Boost your home’s safety: If you live in an area with frequent break-ins, a home security system could add value to your home and ultimately reduce your home insurance premiums.
  • Enquire about discounts for security features: Some insurance companies offer discounts up to 20% for security features. If you invest in a home security system, you are likely to reduce your home insurance premiums.
  • You lower the risk of claims: When you install a security system, the chances of filing a burglary claim are low. It is even a better deal if, most of all, your immediate neighbors have installed the same. 

 For more information, quotes, or new policy discussions, contact The Owens Agency LLC or visit our Waldron AR offices, and our agents will be happy to assist you.

What You Need to Know About Your Auto Policy in Waldron, AR

If you are a driver in the Waldron, AR area, then there is a chance that you will have questions about your auto insurance policy. State insurance laws change every year and it is a good idea to know those changes in order to keep from breaking the law. Here are some of the things that you will want to know in order to keep yourself compliant with Arkansas law. 

Points of Interest in Arkansas Auto Insurance Laws

No matter where you live in Arkansas the laws are the same. And millions of drivers have to know those laws in order to be able to drive. Here are some of those laws.

  • As a driver you must carry liability insurance. If you are pulled over and cannot provide proof of insurance, then you could end up facing jail time. The state can impound your car and it can cost you thousands of dollars to get back.
  • State law allows law enforcement to issue computerized tickets. This kind of ticket is like a printed version and still affects your car insurance. 
  • Accidents are a part of life. The state requires all accidents to move to the side of the road. Failure to comply could end up costing you more for an insurance claim.

The laws for driving in Arkansas are there to protect every driver. They also are designed to minimize insurance losses. If you have questions about how state laws affect your auto insurance, then please call us at The Owens Agency LLC today. We can help answer all of your questions and give you a comprehensive analysis of your insurance needs. The way you understand the insurance laws will affect your driving habits. In the end, it can affect how much you pay for your auto insurance. 

Is Trucking Insurance For Large Companies Only?

Anyone who drives or owns semi or commercial trucks will need to have trucking insurance. This broad term for insurance refers to coverage that is available for both owner-operators or even large trucking companies. Regardless of how many trucks you want to cover, there is a policy that fits the need.

Trucking Insurance

Trucking insurance is written specifically to tailor to the individual or company who owns the truck or business in question. This coverage provides protection for special hazards and instances of liability that are indicative of the trucking industry. If you are searching for quality trucking insurance, it works best to have an experienced agent who works with you to help discover the right policy to fit your specific needs.

Agents on Your Side

When you are shopping for trucking insurance, you wan to use agents who are on your side, and who are committed to helping you get the best quality protection available so you can have peace of mind while out on the open road. If you live near Waldron, AR, you should consult with The Owens Agency LLC to find out what options are currently available and help you protect your business interests to prevent losses and gaps in coverage. Finding the right coverage is easy and hassle-free when you work with an agent who knows how to give you the right options.

A resident living in or around the Waldron, AR area who is interested in finding top quality trucking insurance should contact The Owens Agency LLC to find out more about trucking insurance and how it can protect their valuable business investment. 

Types of Home Insurance

Home insurance comes in many shapes and sizes, but there is some basic information to help you get started. These are some of the most common forms and coverages of home insurance.

A basic home insurance policy typically covers the following four areas:

  • Dwelling: This refers to the structure of the home, including things such as walls, floors, built-in items, and attached buildings, like garages.
  • Contents of the home: This protects your furniture, clothing, and other personal belongings.
  • Liability: If a guest is injured in your home or on your property, personal liability is intended to cover the costs.
  • Additional living expenses: If your home is uninhabitable due to a covered event, this coverage will pay additional costs incurred from having to live away from home.

Optional Home Insurance Coverages

There are many additional coverage types that you can add to your basic policy depending on what you need. Some common additional coverages include the following:

Flood Insurance

Flood insurance is required in some areas, but not all. If you live in or near an area that floods often, you should seriously consider purchasing a flood insurance policy even if it is not required so that your house and belongings are covered. As some parts of Waldron, AR do experience flooding, purchasing flood insurance is a wise move.

Earthquake Insurance

Earthquake insurance covers your home in case of an earthquake. It requires a separate deductible.

Other Structures Insurance

This covers structures that are not attached to your homes, such as a shed or an unattached garage.

Medical Payments Coverage

If a guest is injured on your property, whether you are at fault or not, Medical Payments Coverage is intended to pay for the immediate medical treatments.

The Owens Agency LLC wants to help Waldron, AR residents protect their homes, families, and belongings. Our staff is standing by to help you find the coverage you need, so stop by or give The Owens Agency LLC a call today!

3 Tips for Buying Auto Insurance in Waldron, AR

Whether you’re looking for auto insurance for your first vehicle or your fifth, it always helps to know how to find the best policy and save money in the process. The team at The Owens Agency LLC has put together three simple tips to help you purchase a new auto insurance claim in Waldron, AR.

1. Work with a Reputable Agent

Finding the right auto insurance policy on your own could take you days or weeks. It requires research, quote comparison, and some knowledge about the insurance industry. To be certain you secure the best policy for your needs at the right price, work with a reputable agent who can answer all your questions and concerns and ultimately help you navigate the many insurance companies and quotes.

2. Compare Quotes

Once you’ve selected a reputable insurance agent, it’s time to start comparing several quotes. Go over each one looking precisely at what is offered and at what price. This isn’t a decision you have to make right away. You can take as long as you need to choose the right one, and remember — you’ll always have your agent available to help you.

3. Bundle Your Policies

Chances are you have other insurance policies. An easy way to save money on all your insurance premiums is to bundle them together under one insurance carrier who loves to reward customer loyalty. As always, your reputable insurance agent will help with this process.

To learn more about purchasing an auto insurance policy in Waldron, AR, contact the team at The Owens Agency LLC to get started. Our friendly agents are standing by waiting to take your call. 

Trucking Insurance: For Every Load and Every Trip

It really doesn’t matter what you haul, if you run vans or reefers, or if you do long, short, or local runs, insurance isn’t optional and that applies to more than the legal considerations. Of course, having required coverages such as liability and cargo is necessary but there is much more to an insurance policy and provider than getting the legally required trucking insurance minimums.

For many trucking companies, The Owens Agency LLC in Waldron, AR has helped businesses meet those requirements and so much more. There is a big difference in insurance needs, from owner-operator needs to the needs of large trucking operations with many trucks and many loads. Getting the right trucking insurance means getting the right plan and coverage for your trucking business.

If your trucking company deals with hauling dry loads such as corrugated or pallets as cargo, then the value of those loads will be considerably different than hauling refrigerated perishables or even electronics. Beyond the legal aspects are the common-sense reasons to get a policy to protect your business.

The right package can also be a great way to improve and even increase business. Some companies won’t even work with trucking companies that don’t meet their insurance standards. This is another smart reason to consider looking at your trucking insurance policy and how it works for your trucking business.

In addition to all of these required and practical reasons to have the right trucking insurance, it is the peace of mind that can’t be replaced, of knowing your customer’s loads, your trucks, and your drivers are protected.

If you are shopping rates or looking for trucking insurance, The Owens Agency LLC in Waldron, AR trucking companies have discovered, can help. From standard legal requirements to insurance policies tailored to your trucking business needs, let us help you stay safe and insured, for every load and every trip.