Safe driving tips for new drivers

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Many new drivers in California, Nevada, Oregon, and Arizona are unaware of the risks and responsibilities associated with driving. To ensure safe driving, it is important to understand the basics before taking the wheel. Here are some tips from us at Avail Insurance Solutions LLC for new drivers to help make the roads a safer place.

Safe driving tips for new drivers

1. Always wear a seatbelt

Seatbelts not only keep you safe but they are also required by law in most states. Wearing a seatbelt can significantly reduce the risk of injury or death in case of an accident. 

2. Obey speed limits

Driving too fast increases your risk of getting into an accident and can also lead to costly tickets and fines. Always be aware of speed limit signs posted on the road and drive safely within them. 

3. Understand basic road rules

Familiarize yourself with all local traffic laws and regulations, such as yielding at stop signs, merging on highways, and parked vehicles’ right-of-way rules. 

4. Don’t drive while distracted

Distracted driving is one of the leading causes of crashes across age groups. Avoid using your phone or any other device while behind the wheel that could take your attention away from driving safely. 

5. Take extra caution in inclement weather

Rain, snow, fog, ice, or wind can present hazards when driving conditions become less than favorable – so it’s important to slow down and take extra precautions when bad weather strikes! 

We Are Here To Help

Driving is a privilege that requires focus and responsibility – so make sure you adhere to these tips for safe roadways! For more information, give us at Avail Insurance Solutions LLC a call today We are proud to serve the states of California, Nevada, Oregon, and Arizona.

The Different Types of Classic Cars and the Unique Insurance They Require

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Classic cars are a popular hobby for many enthusiasts, with so many different makes and models available to choose from. Whether it be muscle cars or vintage European sports cars, classic cars in general require a tailored insurance coverage policy due to their unique construction and designs. 

If you own a classic car, then it’s important to have the right insurance coverage to protect your investment and preserve your piece of automotive history. Avail Insurance Solutions LLC offers insurance coverage for classic race cars in Arizona, Nevada, Oregon, and California.

The Different Types of Classic Cars 

One type of classic car is the American muscle car, with models such as the Ford Mustang and Chevrolet Camaro. These cars require insurance that covers their high-performance engines and uncommon design features. 

Vintage European sports cars, such as the Jaguar E-Type and the Ferrari 250 GTO, are another kind of classic car that require specialized insurance coverage due to their high value and rarity. These cars require coverage that takes into account their unique features, such as their hand-crafted components and limited production runs. 

Classic trucks, such as the Ford F-100 and Chevrolet C10, are also highly prized as vintage pieces of automobile history. These vehicles require insurance that covers their utility as well as their classic status.

Of course, vintage luxury cars, such as the Rolls-Royce Silver Cloud and the Cadillac Eldorado, find their place on the list of highly-sought vintage wheels. These cars require specialized insurance coverage due to their high value and specialized construction that incorporates specific luxuries and amenities that are uncommon even amongst other vintage cars of their time. 

Classic race cars are another popular type of classic car, with models such as the Shelby Cobra and the Porsche 911. These cars require insurance that covers their high-performance engines and their use in racing events.

Consult With Us

Classic cars come in many different types, each with unique insurance requirements. Avail Insurance Solutions LLC offers insurance coverage for a wide range of classic cars, including American muscle cars, vintage European sports cars, classic trucks, vintage luxury cars, and classic race cars in the Arizona, Nevada, Oregon, and California areas. 

What Does a Home Insurance Policy Not Cover?

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There are numerous reasons why you would want to purchase home insurance. Perhaps you’ve recently purchased your first house, or you own an investment property. Perhaps you are concerned about your family and/or possessions’ safety. Whatever your motivation for purchasing a policy, it is critical that you realize what a conventional house insurance policy does not cover.

Avail Insurance Solutions LLC provides the following guide to help homeowners in and around California, Oregon, Nevada, and Arizona.

What Doesn’t a Homeowners Policy Cover?

1. Flooding

This is one of the most common risks in many parts of the country, but it is usually not covered by regular homeowner policy. If you reside in a high-risk location or have been informed by your mortgage lender that your home is in a flood zone, you must get flood insurance separately.

2. Artwork

If you’re an ardent collector of valuable art, your regular coverage is unlikely to cover the cost of replacing or restoring any damaged or missing pieces. For high-value things like this, you’ll need to acquire additional coverage.

3. Identity Theft 

Suppose someone takes your personal information and uses it to open credit cards in your name, for example. In that case, your house insurance coverage will not assist you in recovering the stolen funds. To cover this type of loss, you’ll need to obtain a second policy.

4. Earthquakes

Standard homeowner’s insurance coverage does not cover earthquake damage. If you live in an earthquake-prone area, you must purchase earthquake insurance separately.

5. War

Your regular homeowner’s policy will not cover the cost of repairs or replacement if your home is damaged or destroyed during a conflict. To protect yourself from this type of loss, you’ll need to obtain a second policy.

Contact Us Today

As you can see, ordinary homeowners’ policies do not cover a wide range of issues. It’s critical to be aware of these factors before purchasing insurance to ensure you obtain the coverage you require. Speak with an insurance representative at Avail Insurance Solutions LLC to learn more about the coverage options available to you. We are proudly serving homeowners in California, Oregon, Nevada, and Arizona and are ready to create a quote for you today!

The Importance of Having Comprehensive and Collision Coverage for Your Car

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Whether you live in California, Oregon, Nevada, or good ol’ Arizona, as a conscientious car owner, you take all the necessary precautions to protect your investment. However, no matter how careful you are, accidents happen. Comprehensive and collision insurance from Avail Insurance Solutions LLC are essential types of coverage that protect your car from damages that are beyond your control. 

What Is Comprehensive Coverage, and How Does it Protect Your Car?

Comprehensive coverage takes care of damages resulting from incidents that are beyond your control. For instance, if your car is damaged in a hailstorm, vandalized, or stolen, comprehensive coverage will pay for the repairs or replacement. Comprehensive coverage also includes damages caused by animals, such as deer causing a collision. Moreover, this type of coverage also reimburses you when your windshield gets cracked.

Understanding Collision Coverage: When and How It Pays for Auto Repairs

On the other hand, collision coverage pays for damages resulting from an accident with another car or object, irrespective of who is at fault. For instance, if you collide with another car, or hit a tree or a fence, collision coverage will pay for the repairs or replacement.

The Benefits of Having Comprehensive and Collision Coverage for Your Car

The benefits of having comprehensive collision insurance in California, Oregon, Nevada, and Arizona are vast.

Firstly, comprehensive coverage gives you peace of mind that your car is protected in unforeseen circumstances beyond your control. Secondly, collision coverage will eliminate the need for you to pay out of pocket for damages from an accident. Thirdly, both types of coverage can greatly increase the resale value of your vehicle, as potential buyers are more likely to purchase a car that has undergone fewer accidents and had comprehensive protection.

We Can Help!

Comprehensive and collision coverage are essential protections for all car owners. The benefits of having these coverages cannot be overemphasized, as they ensure that your car is protected in various situations beyond your control. At Avail Insurance Solutions LLC, we urge residents of any area to take advantage of comprehensive and collision coverage options to give them peace of mind and protect their investments. Contact us today for more information on how we can help protect your assets.

Three mistakes to avoid when you buy classic car insurance

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Classic car insurance is important to have if you’re the owner of a classic car. We offer classic car insurance policies to consumers in the states of California, Arizona, Oregon, and Nevada. At Avail Insurance Solutions LLC, we’re happy to provide consumers with answers to their classic auto insurance questions. 

Unfortunately, consumers sometimes make mistakes when they purchase classic car insurance.

The following are three mistakes to avoid when you buy classic car insurance:

Neglecting to consider possible coverage adjustments

Coverage adjustments on a classic auto policy can ensure that coverage is just right for a classic car owner’s unique needs. Possible types of adjustments that policyholders might want include specialized parts and restoration cost adjustments. 

Be sure to understand what adjustment options are and consider adjustments to your policy when you buy classic car insurance. 

Being unfamiliar with how agreed value coverage works

Agreed value coverage is common on classic car insurance policies. This coverage insures the policyholder for a specific value. Standard auto insurance policies commonly insure the policyholder for the vehicle’s market value and not for a specific value. 

Agreed value coverage is important for classic car insurance policies because classic cars tend to be so valuable. 

Not knowing what the eligibility requirements are for classic car insurance policies

Vehicles and policyholders need to meet certain requirements when they buy classic car insurance. All vehicles don’t qualify for such policies just because of their age.

There are typically usage requirements that must be met on classic car insurance policies. For example, classic cars can’t be used for every day driving to qualify for classic car insurance coverage. Drivers need to discuss requirements with insurance providers before they buy classic auto coverage.  

Give Us A Call

Avail Insurance Solutions LLC offers classic car insurance coverage in California, Arizona, Nevada, and Oregon. Contact us for a quote on a policy if you are a classic car owner living in one of these states. 

What Is Not Covered By Standard Home Insurance

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As a responsible homeowner, you know how important it is to have home insurance that protects your property and personal belongings. However, you should also know that standard home insurance does not cover everything, and there are some limits. 

What Is Not Covered By Home Insurance?

Here are the things that standard home insurance usually does not cover:

  • Floods and earthquakes. If you live in a flood- or earthquake-prone area and you want to protect your property, you will have to purchase separate policies for that because standard home insurance does not cover damage caused by earthquakes and floods. 
  • Regular wear and tear. The older your home is, the more repairs it needs. Unfortunately, home insurance will not cover things related to regular wear and tear, such as worn roofs, cracked window seals, and rotten boards. 
  • Expensive jewelry and other highly valuable belongings. Like any other type of insurance, home insurance has certain limits and does not cover things over a certain amount. It covers your personal belongings, but expensive stuff may require additional coverage. 
  • Insects or rodent damage. If rodents or insects, including termites, invade and damage your house, insurance will not cover repairs. 
  • Fallen or dead trees on your property. Standard home insurance does not cover removing fallen or dead trees in your backyard. There are some policies though that will pay for tree removal if they have fallen due to a storm or damaged your house. 

Avail Insurance Solutions LLC – A Trustworthy Insurance Agency Serving Clients in California, Oregon, Nevada, and Arizona

Are you a lucky homeowner from California, Oregon, Arizona, or Nevada, and are you shopping for home insurance to protect your precious investment? Avail Insurance Solutions LLC is here to help. We specialize in different types of insurance, including home insurance as well. If you have any questions or want to know more about the insurance options we offer, please visit our website or reach out to us via phone. 

Tips for making your home a safer place

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Having a safe home gives homeowners peace of mind. You want your home to be safe inside and out. One of the things that provides safety is having the right home insurance. With Avail Insurance Solutions LLC  residents of California, Oregon, Nevada, and Arizona can all get the home insurance that is right for them from a member of our experienced team. 

Tips for making your home a safer place

Clear the walkways

Clear walkways are important both outside and inside your home. Outside your home, if your walkway is obstructed, you could cause someone to slip and fall. This leaves you open to being sued and having to pay for injuries. Inside your home, having clutter in your hallways or on your stairs is also a fall hazard for members of your family. 

Have working smoke detectors

Smoke detectors in your home are vital for your safety. The early warning they provide could save your life. Make sure that you change the batteries every six months to make sure, even if they are hard-wired, you will have the battery backup. 

Add a home security system

Home security has never been less expensive or easier to install than it is today. All the components can be installed in just an hour or so, and you don’t have to be a rocket scientist. You can choose a camera doorbell or spotlights and cameras. Many can be operated with your smartphone from anywhere. 

Use door and window locks

Door and window locks are the basics of home safety. Every home has them, and if you use them, it helps to keep people out of your home. Nothing is foolproof, but this is the least you should do. 

Contact Us Today

If you live in California, Oregon, Nevada, or  Arizona, you can count on Avail Insurance Solutions LLC for your home insurance needs. 

The Importance of Repairing Your Car After Minor Fender Benders

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Here at Avail Insurance Solutions LLC, providing auto insurance to individuals in the states of California, Oregon, Arizona, and Nevada, we often have clients ask us if it is worth filing a claim for and having their vehicle repaired after a minor fender bender. While we cannot advise you as to whether or not you should file an insurance claim or not, what we can tell you is that it is important to have your car repaired after a minor fender bender. 

The Importance of Repairing Your Car After Minor Fender Benders

Minor Fender Benders Affect the Value of Your Car

One of the reasons why you want to have your vehicle repaired after a minor fender bender is because minor dings, dents, scrapes, and scratches can all negatively affect the value of your vehicle. Having the car repaired helps to increase the value of your automobile. 

Minor Fender Benders Can Affect the Stability of Your Car

The second reason why it is important to get your vehicle repaired after a minor fender bender is because a minor fender bender can affect the structure and strength of your car. This can leave your vehicle susceptible to a greater damage if you are involved in another accident in the future. This means that your car may not be able to protect you as it should, which can expose you and your passengers to bodily injury or harm. 

Get Auto Insurance Today

Having the perfect auto insurance coverage for you helps to ensure you are covered in the event of accidents, even for minor fender benders. If you are looking for a new auto insurance policy in the states of California, Oregon, Arizona, and Nevada, the team at Avail Insurance Solutions LLC would love to assist you. Contact us today to get started. 

How Often Should You Review Classic Car Coverage?

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First, let’s take a brief look at what Classic Car Coverage is. This coverage applies to cars with an appreciating value – meaning it rises over time. Insurers classify these vehicles in a few ways and the language can vary by company. Cars of higher value over ten years old are typically referred to as classic, while those over 25 years of age are often described as antique. In some cases, newer cars may be deemed modern or future classics.

Avail Insurance Solutions LLC is happy to discuss the details of your California or Oregon vehicle to better classify it.

When To Review Your Classic Car Coverage

If you already have classic car coverage, it’s a good idea to check in annually to make sure you are adequately protecting your car. Other times you might want to examine coverage include:

  • After completing significant improvements

  • Before taking a longer cruise

  • After purchasing expensive specialty restoration tools

  • After acquiring related valuable memorabilia

Special Coverages to Consider

  • Cherished Salvage – This lets you keep your salvaged car after it’s deemed a total loss and retain your claim payment.

  • Spare Parts & Automotive Tools – This covers special tools and parts used to restore and maintain your classic ride.

  • Vehicle Under Construction -This periodically increases the coverage to ensure it’s protected without having to update your provider after each improvement.

  • Disabled Vehicle – Typically includes roadside and sometimes options like trip interruption coverage. If your classic cruiser breaks down, the cost of getting home is covered, including transit, meals, and lodging.

  • Automobilia – This covers collectibles related to your classic car. It may cover memorabilia like hood ornaments, gas pumps, vintage plates, and more.

Contact Us Today

If you are ready to review the coverages for your classic vehicle in Oregon or California, give Avail Insurance Solutions LLC a call today. Our friendly, knowledgeable staff can review your coverage and ensure you have the protection you need.

Things that home insurance won’t cover

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Protecting your home with the right home insurance is essential to maintaining your financial security. Home policies do have limits and exclusions and it is important that you familiarize yourself with what they are. At Avail Insurance Solutions LLC, we service customers in California, Oregon, Arizona, and Nevada. As independent insurance agents, we are able to offer our customers more choices. 

Home Insurance  Exclusions

Floods

The average yearly amount of damage caused by flooding is more than $800 million. Sadly, home insurance doesn’t cover any of it. But all is not lost. The National Flood Insurance Program offers two flood insurance types; property and content. If you live in an area in danger of flooding, you can get one of these policies. If your flooding is the result of burst pipes in your home, this is covered by home insurance. 

Earth movement

Earth movement includes earthquakes, mudslides, landslides, and sinkholes. If the earth is moving, chances are your home insurance won’t cover any resulting damage. As with flood insurance, you can add separate coverage to protect you from the damage caused by earth movement. 

Owner neglect

As a homeowner, you have a responsibility to maintain your home. Maintenance means making sure that if termites are a potential danger where you live, and that includes much of the US, you need to get your home treated and get a termite bond. Your home insurance won’t cover the damage. You also need to replace your roof when it gets old and if it wears out and leaks, the damage won’t be covered. 

Sewer backup

Is anything more disgusting than a sewer backup? Not much and even worse than that, it won’t be covered by your home insurance policy unless you have a special rider to cover it. 

Get Home Insurance Today

Help us find you the right policy for the coverage home insurance does provide. Contact Avail Insurance Solutions LLC for your home insurance needs in California, Oregon, Arizona, and Nevada.