Author: agentinsure

Who needs to have home insurance in Waldron?

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Owning a home in the Waldron, AR area can be a great idea. When you buy a home, it will be very important that you get the right insurance. For most property owners, this means getting a home insurance plan. There are various situations when having a home insurance policy would make sense. 

Those with Mortgages need Coverage.

A situation when someone in this part of Arkansas needs home insurance is if they have taken out a mortgage. As homes can be expensive, many people who purchase a home will take out a loan and mortgage. When you do this, you need to have home insurance to comply with mortgage documents and requirements. Carrying this insurance will help keep you in good standing. 

When Looking for Financial Protection

Even if you are not required to carry home insurance, getting this coverage is still a good idea. Home insurance is a significant investment when looking for financial protection. This type of insurance can provide financial resources if you need to repair or replace the home after a covered calamity. Further, it will provide you with liability coverage that will offer support if you are named liable for an accident on your property. 

Getting home insurance when you are in the Waldron, AR area is always a good idea. Calling our professionals at The Owens Agency LLC is a great option when looking for this coverage. Our professionals at The Owens Agency LLC know the value of this coverage as well as all of the unique features it can provide. You can receive support to build a new plan when you call us. 

Coverage For Different Types Of People Who Drive Your Car

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Who’s Driving Your Car, and Why?

That might sound like a nosey question, but it’s something the insurance company wants to know to calculate risk. There are differences between your domestic employee driving your car, your car-free neighbor borrowing it, your teenager or adult child using it for a weekend, or you just running errands. What about car lending services where a stranger borrows it? There’s a lot to talk about if you want to know what’s at risk in these choices. You don’t need to shut down the friendly nature of your relationships and the flow of your business connections. At The Owens Agency LLC in Waldron, AR, we’re interested in your financial well-being if something goes wrong and the likelihood of that so you can make realistic choices.

Types of Auto Insurance Coverage Beyond Basic Personal Policies

As life has become more complex, many assumptions have fallen away. For example, when a neighbor borrows your car, it’s assumed they also have coverage. Even hardware store truck rentals are based on this assumption. For drivers without a vehicle, non-owner coverage is available that provides liability protection when they’re behind the wheel of others’ cars. We can help you sort out what’s needed to maintain proper coverage regardless of your situation.

Taking Informed Action for Great Auto Insurance Protection

The insurance risks in lending your car often point to adjustments in your existing personal auto policy. If a larger issue is discovered, it might be time to consider a commercial vehicle policy instead. Call us at The Owens Agency LLC in Waldron, AR. We can explain everything in clear terms and what we recommend so you’re confidently covered.

Navigating Trucking Insurance in Arkansas

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If you’re a trucking company or owner/operator working in and around Arkansas, you may wonder where to turn for affordable trucking insurance coverage. Trucking is an essential industry that keeps the United States running. Trucks carry goods across the country, ensuring that everything from food to electronics reaches its destination. However, trucking is also a risky business, and accidents can happen. That’s why trucking companies in Arkansas must have proper insurance coverage.

The Owens Agency LLC is a top-rated Arkansas insurance agency. We offer a wide range of coverage options to protect your trucking business! 

Trucking Insurance Basics

Liability Insurance for Truckers 

Liability insurance is legally required in most states. It is one of the most important types of insurance for trucking companies. This coverage protects you in case of accidents that cause property damage or bodily injury to others. This insurance is required by law in Arkansas!

Cargo Insurance for Truckers

Another necessary type of insurance for trucking companies is cargo insurance. This coverage protects the goods that you’re transporting. For example, suppose something happens to the cargo in your custody or control. In that case, cargo insurance can help cover the costs of any damage or loss.

The Owens Agency LLC can help owners/operators navigate the ins and outs of workers’ compensation insurance, which benefits employees injured or ill.

Get Trucking Insurance in Arkansas

Navigating trucking insurance in Arkansas can be complicated, but The Owens Agency LLC can help make it easier. Our knowledgeable insurance agents have years of experience helping trucking companies find the coverage they need to protect their businesses and employees. If you’re in the Waldron, AR, area, contact The Owens Agency LLC today to get a quote and learn more about insurance options.

Does My Home Insurance Cover My Outdoor Kitchen?

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An outdoor kitchen is a great way to enjoy the summer months in your backyard. But if you’re like most homeowners, you’re probably wondering: Does my home insurance cover my outdoor kitchen?

What Is Covered by Home Insurance? 

Your home insurance policy will cover any damage or loss caused to your outdoor kitchen due to events such as fire, theft, vandalism, windstorms, lightning, and other natural disasters. Depending on the extent of the damage, your coverage may be limited or excluded for specific events. That’s why it’s essential to thoroughly read your policy and understand what is and isn’t covered. 

Does Home Insurance Cover Outdoor Kitchen Appliances? 

Yes! Your home insurance policy will likely cover any appliances permanently installed in your outdoor kitchen. This includes gas grills, refrigerators, range hoods, and ventilation systems. However, you should check with your insurer to ensure that these items are included in your policy before making any significant purchases. 

Does Home Insurance Cover Portable Appliances Used Outdoors? 

No! Your home insurance policy does not typically cover portable appliances used outdoors, such as propane tanks or portable grills. If you use these items often in your outdoor kitchen setup, it might be wise to invest in additional coverage for them in case they are damaged or lost due to a covered incident. 

In addition to providing coverage for your outdoor kitchen setup, The Owens Agency LLC can offer additional protection for liability claims related to using this area of your property. This could include protection against injury or property damage claims resulting from accidents on or near the premises of your outdoor kitchen setup.  

To learn more about how The Owens Agency LLC can help protect all aspects of owning a home in Arizona—including an outdoor kitchen—contact us today for a free quote!

Do all car owners need to have auto coverage in Waldron?

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When you live in the Waldron, AR region, you will quickly find that owning a car is beneficial. If you can access a car, you can get around the community easily. If you are going to buy a car, it is vital that you have the right insurance coverage for it. Auto insurance is necessary here for various reasons. 

Meet Requirements

An important reason people in this part of Arkansas need auto coverage is to meet their requirements. Any Arkansas driver here needs to have auto coverage with a minimum level of liability insurance. If you do not have this insurance, you will violate the law and can face various repercussions, including fines and loss of licensure. Further, most auto owners here are required to carry comprehensive insurance if they have taken out an auto loan. 

Financial Support

Beyond being a legal and contractual requirement, having auto coverage is also necessary as it offers financial support. If you choose to buy and drive a car, you could face financial setbacks if your vehicle is damaged or you are at fault in an accident. In either situation, you will want to have insurance. With coverage, you will receive the support needed to cover damage or liability costs. 

When you are looking to buy a car in the Waldron, AR area, you should call the team with The Owens Agency LLC to discuss your insurance needs. There are always important choices to make as you seek an insurance plan, and The Owens Agency LLC will give you the support you need. This can offer comfort that you choose a policy that meets your needs and protect you and your vehicle. 

Importance of trucking insurance

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Trucking companies across the country have a lot of risks and expenses. Trucking insurance can help cover the costs of damage and other problems that could occur. We will talk about what trucking insurance is and why trucking companies must have it.

What is trucking insurance?

Trucking insurance has more to it than regular auto insurance or commercial auto insurance. There are more risks of accidents and damage occurring due to driver fatigue, delivery deadlines, handling heavy vehicles, and driving long distances. You can choose from various types of coverage to suit your trucking insurance needs.

General or public liability

Just like auto insurance, public liability coverage is required by most states. This covers the driver and the company in case they get into an accident and damage someone’s property or injure another person. Liability coverage will cover the cost of repairs and medical expenses related to the accident.

Physical damage coverage

Physical damage coverage protects the truck and trailer in the event of accidents, natural disasters, vandalism, theft, and many other situations that could occur.

Cargo insurance

Cargo insurance is basically what it sounds like. It covers the products or cargo that the truck is carrying. If something happens, and the goods or product is damaged, then the cost is still covered, so you don’t lose as much money from the lost cargo.

Bobtail insurance

This covers drivers that are under independent contracts when they are not in the process of hauling trailers or products.

Contact Us

If you run a trucking company, you might want to consider some of the trucking insurance coverage types listed above. Contact us at The Owens Agency LLC in Waldron, AR for more information regarding trucking insurance.

Home Insurance Tips for Pet Owners

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If you’re a pet owner in Waldron, AR, The Owens Agency LLC knows they can be like family members. And just like any other family member, you want to ensure they’re safe and taken care of. So taking simple precautions to protect your pet and home is essential.

While home insurance can provide peace of mind in certain types of accidents, preventing damage can save you time and money. Here are some tips for avoiding unwelcome surprises:

1. Provide Proper Training

Train your pet to obey basic commands and avoid furniture, carpeting, and other belongings. This will help prevent damage caused by chewing or scratching.

2. Keep Doors and Windows Secure

Ensure all windows are closed securely when you’re not home, and keep doors locked. This will help prevent unexpected visitors while you’re away.

3. Install Fences and Gates

Depending on the size of your pet, it may be a good idea to install fences and gates around your property. This will keep them securely enclosed and reduce the risk of damaging your home or belongings.

4. Keep Your Home Clean

Regularly vacuum, dust, and clean your home to prevent the buildup of pet hair and dander. This will reduce the risk of allergies and health issues caused by poor indoor air quality.

5. Schedule Vet Visits

Keep up with regular vet visits, so your pet is healthy and up-to-date on vaccinations. This will reduce the risk of any illnesses or diseases that could be hazardous to your pet and home.

Owens Agency LLC wants you to enjoy your pet without worrying about potential risks. Following these tips will help you keep your home and pet safe. Contact us today for more information on home insurance for pet owners in Waldron, AR.

Most States Require Auto Insurance

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Did you know that 48 states in the country require a licensed driver to have car insurance? Only Virginia and New Hampshire are exempt. If you live in or around the Waldron, AR area, The Owens Agency LLC can provide you with the needed coverage.

Why is auto insurance so vital? One of the most important reasons is that it provides financial protection. If you cause an accident, you will probably be responsible for all its costs. This includes the injured person’s medical costs, lost wages if they cannot work, and any legal fees that may result. Liability coverage helps to pay for these costs that would otherwise have to be paid out of pocket, putting a strain on your finances.

A policy comprises various types of coverage, offering either minimum or full coverage. It is based on your car, needs, driving habits, and budget. For example, a driver with an older vehicle that is paid for can purchase liability coverage and roadside assistance only.

However, a driver with a newer, more expensive vehicle will need liability but will also want collision, comprehensive, gap insurance, and roadside assistance. Regardless of how safe a driver you are, while driving, you will constantly be exposed to risk due to another’s negligence.

Don’t wait until you get into a situation where you need to file a claim. The consequences of having an accident without insurance can mean financial loss and severe mental stress. It is also against the law. Car insurance will help relieve the financial setbacks associated with an accident.

If you live in or around Waldron, AR, allow the insurance professionals at The Owens Agency LLC to provide you with a quote or answer any questions you may have. Contact them today. You will be glad you did.

Does your policy provide adequate protection for your trucking company’s drivers?

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The Owens Agency LLC is here to provide trucking companies located in the Waldron, AR area with the necessary trucking insurance. Contact our office today, and let’s set up an appointment to review your insurance needs.

Protect your drivers with comprehensive trucking insurance

A successful trucking company will have many insurance needs. This is due to the number of employees and drivers necessary to keep a trucking company going, along with the cost of equipment and vehicles. This is why trucking companies should review their commercial insurance policies daily.

Protecting your drivers with a robust policy can also help to protect the firm from liability exposure. Another component of this approach is to have sufficient worker’s compensation insurance. All of these policies together can provide the protection necessary to keep a trucking business protected now and in the future.

Trucking insurance provides coverage for accidents, vehicle damage, and theft. Every policy can differ, so it’s essential to understand precisely what coverage a policy provides and what is excluded. To ensure that your company has the protection it needs, it can be helpful to sit down with an insurance professional to determine your unique needs. This will allow you to determine which policy type is right for your needs. This discussion will also help you calculate the level of protection necessary for the company.

We look forward to working with you!

Protect the truckers and decrease the liability exposure of your Arkansas company with a robust trucking insurance policy. The Owens Agency LLC is here to answer any questions and review the available options with you. Contact our office in Waldron, AR today and find out more.

Fire Prevention Tips for Your Home

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A house fire can damage a home and belongings and, more importantly, create extreme danger for people and pets. Here are some fire prevention tips for your home, courtesy of The Owens Agency LLC, serving Waldron, AR.

Install smoke detectors

No matter how large or small, every home should have adequate and adequately positioned smoke detectors. There should be a smoke detector on each level of the home, including one in or outside each bedroom. Also, it is essential to check and replace smoke detector batteries often. Test them at least monthly.

Limit or eliminate sources of fires

It is also important to limit or eliminate sources of fires, such as candles, fireplaces, and cigarette smoking. Never leave a candle or fireplace fire unattended; keep each fireplace adequately cleaned and maintained.

Be careful in the kitchen.

The kitchen is a common source of a house fire. Be extra cautious while cooking on the stove and in the oven. Never leave a stove or oven unattended when it is on because a fire could start, and no one would be there to notice it immediately.

Check electrical connections

Another common source of home fires is electrical wiring, such as worn electrical cords. Closely check electrical cords, plugs, and so on. Discontinue using any electrical item that is having any problem. Also, never overload an electrical outlet with too many items.

Have a fire escape plan that you practice with everyone in your household. If a fire does occur in your home, leave home immediately, do not go back inside the house, and call for help.

There are many other ways to prevent home fires, but these tips are an excellent start. Contact The Owens Agency LLC, serving Waldron, AR for further information on keeping your home safe and protected.