Home insurance policies in Waldron, AR generally cover the destruction and damage to your home interiors and exteriors, theft of personal belongings, and liability arising from harm caused to others. Although a home insurance policy can be customized, the insurance company will want to ascertain the standard elements that are likely to affect your home to determine the insurer’s risk. The insurance company will also assess the risk associated with your residence by analyzing your past claim history and your home condition. To do this, here are a few common questions, The Owens Agency LLC in Waldron AR, will ask, to provide you with a suitable policy.

Common questions you will be asked when buying home insurance in Waldron AR?

What is the proximity of your house to the fire department?

If your house is located close to a highly rated fire department, you will likely pay less to have your home insured. The assumption held is that a home near a fire department is likely to receive immediate help, leading to more minor damage. This argument applies too if your house is located near a hydrant.

What is the age of your home?

While old homes can be quite beautiful, their ornate features, such as plaster walls, floors, and ceilings, tend to be expensive to replace. Plumbing and electrical systems tend to be unsafe and are more likely to get damaged.

Is your house near a source of water?

Standard home insurance policies in Waldron AR do cover flooding. If your home is near a source of water, the insurance company will recommend buying a separate flood insurance policy.

What is the quality of your home construction?

Our insurance company will evaluate if the house meets the current building codes in Waldron AR. Homes built using modern engineering building codes are likely to withstand disaster and cost less to insure.

Whatever your home insurance needs are, The Owens Agency LLC in Waldron, AR, will customize a suitable policy for you. Reach out to our agents or visit our website for more information!

Staying Covered on the Road

Trucking insurance is a necessity that companies need to operate a single truck or many. In general, public liability insurance that has bodily injury and property damage is the minimum amount of insurance an owner operator needs. However, most owner operators and motor carriers require or elect to get additional coverage. Working with a knowledgeable insurance provider is the first step to getting quality coverage.

If you live in Waldron, AR, the experienced agents at The Owens Agency LLC are here to help you find high-quality trucking insurance for you and your company. 

Extended Coverage for Added Protection

Public liability insurance will protect you when they are at fault in an accident, but further coverage is often sought out to maximize protection. Some other types of policies that are commonly used for enhanced coverage are:

• Cargo Insurance – This type of insurance covers the cargo that is hauled for damages. It is required by for-hire interstate owner-operators to do business.
• Physical Damage – If a truck is financed, this kind of insurance will protect your rig from accidents on the road. It is useful even if a tractor and trailer is owned outright.
• Bobtail – If you are employed under the authority of a motor carrier, you will need bobtail insurance. Owner-operators who have auto liability insurance are not required to get this type of coverage.

Quality Commercial Insurance in AR

Our team at The Owens Agency LLC in Waldron, AR has years of experience helping companies get the right kind of trucking insurance for safe operations. We will work with you to tailor the perfect trucking insurance policy so you can rest assured you and your assets are protected.

If you want to become an owner-operator or offer trucking services, you have to consider trucking insurance. Your trucking insurance will depend on the type of truck, the kinds of goods carried, the experience of your driver and the level of risk involved.

Unsure where to start with trucking insurance? The Owens Agency LLC in Waldron, AR has a guide on different trucking coverages you can consider.

• Primary liability coverage: This coverage is mandatory in Arizona. It protects you against bodily injuries and property damage your truck causes to other people.
• General liability: If your truck causes damages to another person’s property, this coverage comes to your rescue. For instance, if your truck damages a truck stop or delivery location, this coverage comes into play. It also covers delivery errors.
• Physical damage: It has cost you money and time to finance your truck. As such, you need to protect your truck against perils like theft, accidents, vandalism, and natural disasters. Trucking insurance compensates you for repairs and even replacement of your truck following damage by a covered risk.
• Motor truck cargo: This coverage covers the contents of your truck should it become stolen or damaged.
• Bobtail / non-trucking liability: It covers you when your driver is using your truck for personal reasons or is off dispatch.
• Medical payments: It covers the medical expenses of the driver and passengers following an accident.
• Uninsured/underinsured: This coverage protects your truck should it collide with a motorist carrying insufficient or zero insurance.
• Reefer breakdown coverage: If you own refrigerated trucks, this coverage protects you against lost cargo, refrigerator breakdown, damaged cargo, and so on.

Trucking Insurance in Waldron, AR

If you want to cushion yourself financially from costly bills should any of your truck is involved in an accident, you must invest in trucking insurance. Ready for trucking insurance? Get in touch with The Owens Agency LLC for an affordable quote.

Trucking insurance is meant to keep your vehicles safe on the road, whether you own a whole commercial fleet or just a couple of large trucks. The truth is that there are things you can do to protect your truck on your own as well.

The Owens Agency LLC, which serves Waldron, AR, knows that you might have questions about your insurance. Here’s how your trucking insurance policy may be impacted by your maintenance.

Good Maintenance May Cut Down on Mechanical Breakdowns

If you have a trucking insurance policy that includes mechanical breakdowns, you may have to use it less often when you maintain your trucks regularly. The fewer times your trucks break down, the less you have to rely on mechanical breakdown insurance to help you get your trucks back on the road.

Good Maintenance Cuts Down on Injury Risk

You can also cut down on the risk of injury to others when you are aware of the state of your trucks. This means you may not have to use your liability insurance, which covers things like bodily injury, property damage, and medical payments.

Good Maintenance Reduces Physical Damage

Your commercial vehicle may not require as many repairs when it is properly maintained. Some repairs that are not taken care of right away can cause physical damage to the truck, leading to a need for future repairs.

Make Sure You Have the Right Trucking Insurance

The right trucking insurance can make all the difference. Are you ready to check out your policy options? If you operate a trucking business in Waldron, AR, check out The Owens Agency LLC to learn more.

Finding the right trucking insurance is critically important for both individual drivers and transportation companies. At The Owens Agency LLC in Waldron, AR, we offer several trucking insurance options that provide comprehensive coverage to ensure companies and individuals have the protection they need to operate with confidence. 

What is trucking insurance? 

Believe it or not, there’s no one type of trucking insurance. Think of it as a sort of umbrella term that includes several different types of coverage — all related to trucking. Certain types of trucking insurance protect individual drivers while on the road, while other types cover events such as accidents during loading and refrigeration loss. 

What types of trucking insurance are available? 

Let’s start with the simplest coverage out there — primary liability insurance. This coverage generally protects drivers against liability claims from other motorists after an accident. General liability coverage is designed for trucking companies, although it often provides some coverage for events involving individual drivers. Other options to consider include physical damage coverage and motor truck cargo insurance. The former covers damage to rigs, and the latter protects drivers and transportation companies from claims arising from damage caused by events such as unforeseeable delays. The precise nature of the coverage depends on what you choose, the insurance company you select and Arizona’s insurance regulations. 

Interested? We can help!

If you’d like more information about trucking insurance in Waldron, AR, give the experts at The Owens Agency LLC a call or reach out via the contact information on the website. After speaking with you and discussing your needs, the agents at The Owens Agency LLC can help you determine the best trucking insurance for your particular situation.