Protect your motorhome with a comprehensive insurance policy

The Will Wright Agency Inc. understands the complexity of insuring motor homes and is here to provide any guidance that you may need to select the right policy for your needs. We are proud to serve our friends and neighbors in the greater Decatur, AL community, and look forward to working with you too!

Factors to consider when selecting your motorhome insurance

People use their motorhomes in different ways, which can affect the type of insurance that is right for your needs. Road warriors will have different requirements from those who use their vehicles for infrequent camping trips. 

Before you head out on the road, or before you buy your first motorhome, it’s important to make sure that your policy provides the protection you need. Campgrounds and RV parks may have certain insurance requirements, and it is important to do your research to learn more. An experienced agent can review the available options once they learn more about how you intend to enjoy your motorhome. 

Liability insurance can be sometimes overlooked, but it is vital. It is especially important if you host guests in your vehicle or do a lot of traveling. This is just one example of how you use your motorhome can make a difference in the type of policy that you need. Just think how much more you’ll enjoy your motorhome when you know you have the right insurance coverage!

Come talk with us before you hit the road in your motorhome!

If you are a motorhome enthusiast in the Decatur, AL area, Will Wright Agency Inc. is here to meet all of your insurance needs. Call or stop by today to learn more about the different motorhome policy options that are available in the great state of Alabama. 

RV Insurance Coverage Options

You have purchased an RV, a recreational vehicle of your very own, and cannot wait to load up the family and hit the road but first, you should ensure that you and your investment are protected. The best way to do this is by obtaining an RV insurance policy. To do this, you will need to contact a trusted insurance agent like the agents at Will Wright Agency Inc. in Decatur, AL.

Liability Insurance Required

According to Alabama law, all motorized vehicles on the road have to be insured with at least a liability insurance policy. This type of policy will cover any damages or injuries you cause if you have an accident that is determined to be your fault. This includes RVs.

An additional policy you can obtain that corresponds with a liability policy is an uninsured and underinsured motorist policy. This will cover you, your passengers, and your RV if you are involved in an accident with someone who has no insurance at all or very little insurance.

Comprehensive Insurance Coverage

If you borrowed the money to purchase your RV, you may be required to have comprehensive insurance in place. This will replace or repair your RV if it is damaged or destroyed by a natural disaster, a fire, theft, or vandalism.

Collision Insurance Coverage

If you have an accident and your RV is damaged by another vehicle or object, collision insurance will cover the repairs or replacement.

To protect your RV properly, you should seek the assistance of an insurance agent who is experienced with this type of insurance coverage. The agents at the Will Wright Agency Inc. in Decatur, AL have the experience and knowledge with RV insurance to create a policy that will protect your investment and provide you with peace of mind.

Top 5 Classic Cars That Are on the Rise

With classic car buyers becoming younger, it is not surprising that demand vehicles are shifting to a newer generation of vehicles, and here are the top 5 classic cars on the rise:

1970 to 1985 Land Rover Range Rover

Known for being a little costlier to repair and more prone to being in the shop, these vehicles appeal to millennials because the entry cost to own a classic SUV is relatively low for the Land Rover Range Rover brand.

1998 to 2000 BMW M Roadster

Given their relative youth, this generation of BMW M Roadsters appeals to the collector car enthusiast that still wants to drive their classic vehicle on the regular. Opt for the M variant over the Z3 and receive BMW’s iconic performance-oriented model that offers unparalleled fun in a small package.

1966 Ford Bronco

With the release of the revamped Bronco later in 2021, it is not surprising that more enthusiasts are trying to get their hands on the original. While bargain prices can be found, expect to pay a substantial sum to restore a Bronco to their original glory. 

Nissan NSX

Another classic that has been brought to life again in recent years is the performance enthused NSX. Known for a sleek and sporty profile, a pristine NSX will fetch into the low $100,000s by 2021. 

Dodge Viper

Known for bringing Chrysler back to popularity, the Viper has a V-10 engine and aggressive styling that always turns head. It may be lacking in creature comforts, but it more than makes up for that once on the track.

When it comes to protecting your investment, opt for classic car insurance for the best coverage. Give us a call at Will Wright Agency Inc. in Decatur, AL to learn more about our classic car insurance. 

Variables Alabama Residents Should Consider While Researching Renters Insurance Policies

Based in Decatur, AL, Will Wright Agency Inc. serves the community by offering residents multiple types of insurance coverage. We strive to help our clients find policies that will protect them against unforeseen risks.

Renters Insurance Variables

If you are staying in a rental property in the Decatur AL area, renters insurance gives you peace of mind that you will be protected regardless of potential inclement weather or liability issues. The policy covers your property if it is damaged, as well as your personal goods inside the home in case they are stolen. Liability coverage is also important, as you will be covered if you have guests over to your property and they are injured. Here are some other variables to think about while you are researching different policies.

If you have luxury items at your rental property, make sure that you amend your policy to include special coverage. That way, your most prized possessions will be fully covered if they are stolen or an accident occurs. Consider having your luxury items appraised to determine their true value.

Also, keep in mind that your policy should cover you if your rental property is seriously damaged and needs to be repaired. Southern weather can be devastating when it’s severe. However, you can find some comfort in knowing that you will be protected if you need to find temporary housing elsewhere. Consider adding flood coverage to your policy so that you will be covered if a natural disaster causes damage.

If you have pets, add them to your liability coverage. Sometimes pets can cause accidental damage and potential liability issues if they interact with others. Liability coverage will protect you if your pet is having a bad day.

Will Wright Agency Inc. Will Help You Plan For The Future

Visit our website today to learn more information about renter’s insurance.

Protect Your Home with Motor Home Insurance

If you’re a motor homeowner in Decatur, AL, then you should probably know a little bit about motor home insurance. After all, a motor home is still a home, and you need to have the proper coverage to keep your home safe. Learn about the in’s and out’s of motor home insurance, why it’s a necessity, and how you can get a coverage policy for you with Will Wright Agency Inc. 

What Does Motor Home Insurance Cover?

Motor home insurance is similar to regular home insurance in the sense that it provides you with financial coverage in the event that your motor home is damaged or worse. To give you an idea of how you can be protected, here are some areas in which motor home insurance provides coverage: 

  • Damage 
  • Property damage
  • Other objects on the property
  • Injury
  • Nature damage

These are just some of the areas in which you can receive coverage from motor home insurance. The specific amount of coverage and type of coverage you receive will depend on the type of motor home insurance policy you choose. To find out which motor home insurance policy would be the best for you, visit Will Wright Agency Inc. for a consultation. 

Why Is Motor Home Insurance Important? 

Motor home insurance provides your motor home with many protection features that home insurance provides standard homes. Besides, your home is still a place where you want to raise a family, and it’s something that you can call your own. It only makes sense that you would want the best kind of coverage for your motor home. It may also be required in some states, so depending on where you live, you may have to get the minimum amount. 

Get Protected with Will Wright Agency Inc. 

When it’s time to find the right motor home insurance policy for you, visit Will Wright Agency Inc. for a consultation. Our office proudly serves the Decatur, AL area. 

Is my trailer covered by RV insurance if damaged while on vacation?

You are probably wondering whether your trailer will be covered by the RV insurance if it is damaged while on vacation. Well, it will. Rv insurance ensures that you can enjoy your family vacation without worrying about possible costs you would incur in case of an accident. At Will Wright Agency Inc. in Decatur, we will offer you a customized package based on your needs that ensures that you not only have peace of mind but that nothing should stop you and your loved ones from having a good time. Here is what you need about RV insurance

What is RV insurance?

RV insurance is a policy agreement between you and the insurance company to protect your travel trailer or fifth wheel or camper against accidents or damages caused on other people’s property. A standard RV policy covers

  • Body and property damage
  • Personal injury protection
  • property protection
  • collision and comprehensive covers

Be sure to speak to our agents at Will Wright Agency Inc. in Decatur, AL, for specialized RV coverage. This comes in handy if you would prefer a total loss replacement or where your trailer or camper has customized equipment.

Benefits of RV insurance

  • Passenger protection

An RV insurance policy protects your passengers with the liability coverage extending to accidents occurring with your trailer or surrounding property. While on vacation, this will include rented lots or campsites.

  • Freedom and security

Whether you are taking your family for a short getaway or taking them for a deserved road trip, the RV insurance cover will have your back anytime you are on the road.

  • Safeguards your possession

Please speak to our agents at Will Wright Agency Inc. about essential valuables in your trailer or camper when taking an RV policy. This will ensure that these items are fully covered in case of an accident.

Are you thinking about taking that family trip? Feel free to speak to our Will Wright Agency Inc. agents in Decatur, AL, who will guide you on a suitable RV policy suitable for your family vacation.

Who needs to get classic car insurance in Decatur, AL?

Anyone that loves cars in the Decatur, AL area will likely dream to own a classic car at some point. When you are a classic car owner in this area, it is important that you get the proper insurance in place. There are several situations when someone would benefit from getting a classic car insurance policy. 

Those that Want Appropriate Coverage for Vehicle

One situation when you will want to get classic car insurance is when you want to get appropriate coverage for your vehicle. A classic car is a very unique vehicle that requires some additional consideration when trying to have it insured. Due to the potential for increased value related to the collectible value, getting the coverage amount you need is very important. With a classic car policy, you will have an opportunity to negotiate this replacement value with the insurance provider.

Those that Need Unique Liability Protection

A classic car will need to have liability insurance if you want to drive a car publicly. However, classic car owners likely will drive these vehicles very infrequently. Due to this, their actual liability risk is a lot lower than it would be with a standard vehicle. With classic car insurance, you are able to get an insurance policy that appropriately reflects this risk.

When you are shopping for classic car insurance in the Decatur, AL area you may find that picking the right policy is confusing. The team at Will Wright Agency Inc. can help you to pick a policy that is right for your situation. Will Wright Agency Inc. is able to do this by assessing your needs and helping you to choose and build a policy that properly protects your classic car and gives you peace of mind. 

When do you need renters insurance in Alabama?

Those that are in the Decatur, AL area will have a variety of housing options to choose from. One great housing option to consider is to rent their home. If you are going to rent your home here, you should get a quality insurance policy. There are several situations when having renters insurance will be necessary. 

When Required by Landlord

One situation when you will need to get renters insurance is when your landlord requires it. When you move into your new Alabama rental home, there is a good chance that your landlord is going to have specific requirements when it comes to insurance coverage. If you do not have this coverage in place, you could violate your lease. Most of the time, the landlord will require that you prepay for a full year of insurance before the start of your lease term. 

When Needing to Protect Assets

Even if you are not required by a landlord to get renters insurance, you should still consider getting it due to the protections that it provides. A quality renters insurance policy will give you protection for all of your personal assets. This can include giving you coverage for your clothing, furniture, appliances, and electronics. If there is a fire or theft, you will receive coverage up to your policy limit. 

Choosing a renters insurance policy in the Decatur, AL area can be a big decision. When you are looking for a new policy, you should speak with the team at Will Wright Agency Inc. As you are looking for a new policy, Will Wright Agency Inc. can help you to guide your decision. They will be able to assess your personal risks and ensure you get into an appropriate policy. 

Why Is Motor Home Insurance Important?

Motor homes are quite popular in Alabama, and Alabamians are passionate about their RVs. Since buying one is a significant investment, any motorhome owner wants to make sure that it will serve him for years. At Will Wright Agency Inc. from Decatur, AL, we want to help you to protect your precious investment with specialized insurance.

Here is the list of reasons why motor home insurance is so important: 

Protection of Your Vehicle and Belongings

You never know what might happen on the road. Since most RVs are not cheap, by operating your motor home without insurance, you increase the risk of losing your expensive possession in case of an accident. Therefore, getting insurance that protects your RV is a smart decision. Moreover, insurance will cover not only the vehicle itself but also all the contents you have inside of it. 

Liability Protection

Motor home insurance also provides RV owners with liability protection. This means that if you appear to be at fault for an accident on the road, all financial restitution for caused damages will be covered by an insurance company.

Protection of a Driver and Passengers

If you have RV insurance, you do not have to worry about medical bills in case of an accident – your insurance will cover all the medical expenses for you, as a driver and owner, your passengers, and other parties involved in an accident. 

Are you a lucky owner of a motor home and searching for insurance coverage for it? The qualified agents from Will Wright Agency Inc. from Decatur, AL are ready to assist you and help you to find the best option. Do not hesitate to give us a call today to learn more about insurance options available. 


Purchasing RV Insurance: Things to Consider

So finally you have bought the RV that you had been dreaming about for years. Now, it is time to purchase proper RV insurance. Whether you are planning to live in the RV full-time or use it only for your weekend camping trips, camper insurance is a must-have. Will Wright Agency Inc. in Decatur, AL has prepared the list of things to consider when shopping for RV insurance. 

Type of Coverage

There are two types of coverages available for RV owners – full-time and part-time. If you are planning to live in your recreational vehicle and turn it into your home, then you need to get full-time coverage. Part-time or recreational coverage is an option for those who are planning to use their RV occasionally. 

Optional Coverage

In addition to standard RV insurance coverage that protects you from collisions, covers medical bills, and damage of your personal belongings, there is also optional coverage that is worth considering. The most common optional coverage types include the full replacement cost of your RV, roadside assistance, pet injury, emergency expenses, and others. Optional coverage is a tremendous and necessary option for those who use their RVs full-time. 

Insurance Costs

RV Insurance could be quite expensive. To get a better deal on RV insurance, it is recommended to compare quotes from several different insurance companies. Once you found a good policy, do not forget to discuss it with an insurance agent to know exactly what the policy covers, along with any additional costs required. 

If you are shopping for your RV insurance and need more information, contact Will Wright Agency Inc. in Decatur, AL to find the most appropriate quote for your vehicle. Our highly qualified and experienced specialists are ready to guide you in choosing the best coverage suiting your specific needs and budget.