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A. L. Saland Insurance Solutions, Inc Blog

FAQs About Disability Insurance

You have a home, health, and auto insurance policy; why would you need disability insurance? Disability insurance provides crucial financial protection, but many Americans don’t understand it. For this reason, A. L. Saland Insurance Solutions Inc. is answering commonly asked questions about disability insurance. 

What’s disability insurance?

This coverage covers a portion of your income when injuries or sicknesses prevent you from returning to your work for an extended period. This coverage is crucial for working Americans because it means you don’t lose all of your income when you miss work due to health concerns. 

Do I really need disability insurance?

Most people think that disability insurance is for the critically ill. This notion is half true. While severe diseases like cancer and heart disease may keep you from work, common injuries like fractures and less severe but chronic conditions like back and hip problems can make you miss work. Statistics by the U.S. Social Security Administration shows that at least 25% of Americans aged 20 today are likely to miss work for about one year because of a disabling condition! 

If you think that disability insurance isn’t necessary, can you afford to miss your paycheck for months and live normally? If you don’t have adequate savings or a robust support system when not working, disability insurance should be your friend.

Does disability insurance cover all disabilities?

Each plan has its terms and conditions. However, typical disability insurance won’t cover the below:

  • A disability following a riot
  • Intentional injuries
  • War
  • Injuries suffered during incarceration
  • Pre-existing conditions

The above list is just a guide. Be sure to check your policy document to know exactly what isn’t covered.

Can I work part-time and get disability insurance benefits?

It depends on your policy, but most allow policyholders to work part-time. However, during this time, you will subtract what you are earning from the benefit.

Where can I buy disability insurance in Florida?

Would you like to secure your income with disability insurance? Contact A. L. Saland Insurance Solutions Inc., serving numerous locations in Florida, for an affordable quote.

Guide to RV insurance

Florida RV owners should consider purchasing RV insurance before heading out on the open road. RV insurance protects you and your family against damage caused by an accident, helps pay for medical bills resulting from injury, and can protect you against any liability claims while traveling. For additional information about RV insurance, call our agents at A. L. Saland Insurance Solutions Inc to discuss coverage options. 

Is RV Insurance Required? 

By law, you are required to carry a specific amount of insurance coverage for your RV. Any vehicle licensed to drive on the road must have minimum liability coverage. As an RV owner, you must evaluate your travel needs and determine if the minimum coverage is enough to protect you. It may be best to speak with your insurance agent to learn more about your RV insurance options. 

What Does RV Insurance Cover? 

Most basic RV insurance policies include liability coverage to protect you if you cause an accident or damage to someone’s property when driving your RV. Other insurance coverage options are available to include in your insurance policy. Here are some of those additional insurance options available: 

  • Liability insurance: Even though basic policies have this option included, it is a good idea to carry additional liability coverage.
  • Property damage: Damage caused with your RV, such as knocking over a sign or hitting another vehicle; this policy helps pay for the damage. 
  • Bodily injury: Your liability coverage can help pay for medical bills if you injure someone with your RV. 
  • Uninsured and underinsured driver coverage: This section of your policy protects you if your RV is hit by an uninsured driver or a driver who did not purchase enough insurance to cover the damage. 
  • Comprehensive: This section of the policy covers damage done to your RV that is not caused by a collision. 
  • Collision: Damage caused by a collision is covered under this section of your insurance policy. 

Florida RV owners should speak with their agent or call an agent at A. L. Saland Insurance Solutions Inc to discuss their insurance coverage needs. 

How to Choose a Health Care Plan

When it comes time to select a health care plan for you and your family, you are sometimes limited as to how long you have to make your selection. Whether choosing an employer-sponsored insurance plan or shopping for one on your own in Florida, you do not want to rush and make hasty decisions. If you still have questions about your health care needs, call the experts at A. L. Saland Insurance Solutions Inc.

Compare Health Insurance Plans

When it is time to select a health care plan, you are probably given a large amount of information to sort through. It may even look like alphabet soup tossed on paper, with terms such as HMP, PPO, EPO, and POS plans. Take a moment to compare the plans available and make notes on what is important to you and your family’s healthcare needs. Things to consider when selecting insurance coverage include, which doctors you can see, and the deductible and maximum out-of-pocket amounts. 

Compare Plan Networks

Insurance coverage varies between in-network and out-of-network providers. Compare both options and see if the doctors you already see are in-network. If they are out of network, check the plan to see if you can afford the out-of-network prices. 

Compare Out-of-Pocket Costs

The summary of benefits for your options should explain what items you must pay for out of pocket. For example, some policies have deductibles, which means all of your health needs must be paid for out of pocket before insurance coverage kicks in and starts paying. Additionally, you have max out-of-pocket amounts, which means you have a maximum amount to pay each year. Once you reach that amount, your insurance policy covers 100 percent of your covered medical expenses. 

When selecting a health care plan in Florida, reach out to A. L. Saland Insurance Solutions Inc for additional information and private health insurance coverage options. 

3 Things to Know Before Buying Automobile Insurance

Buying automobile insurance in Land O Lakes, Florida is not only a way to protect you, your passengers, and your vehicle while driving, but it is also illegal to operate a motor vehicle without it. If you are new to buying automobile insurance the various options may seem overwhelming, so A. L. Saland Insurance Solutions Inc. has put together a few things you should know before you buy automobile insurance.

The Different Types of Policies

Doing your homework is one of the most important things to do before purchasing automobile insurance. There are a variety of different types of coverage, including liability, comprehensive, collision, and a number of “specialty” options. The best way to determine which option is the best for you and your needs is to talk with a representative from the insurance provider you are considering.

How Much Coverage Do You Need?

There are a number of factors to consider when determining the amount of coverage you’ll need. For instance, you’ll need to consider where you drive, such as to work or only for personal errands, how much you drive (approximate miles), and if you are leasing, financing or own your vehicle. The answers to these questions will help you and your insurance provider determine how much coverage you’ll need.

One of the most common questions people have when it comes to their insurance coverage is does a higher deductible lower your premium? The simple answer is yes; however, a higher deductible also means that if you are involved in an accident, you will be paying more out-of-pocket for costs of repairs. For this reason, it is important to make sure you are financially stable should you ever find yourself in a situation where you will need to pay out-of-pocket for repairs.

Residents in Land O Lakes, Florida that want to learn more information about their current or possible automobile insurance policy should contact A. L. Saland Insurance Solutions Inc.

When should you review your life insurance?

Life insurance like many other types of insurance is not one and done. Your needs change over a lifetime, and you need to review your policies from time to time to make sure you have the coverage you need at that moment in time. At A. L. Saland Insurance Solutions Inc we work with our clients to find the best solution to their insurance needs. We are committed to simplifying the process of getting insurance. 

When you get a job

The first time you will probably be exposed to life insurance is through your employer. When you are given your employment packet you may have the option of signing up for life insurance. Take advantage of the opportunity. This is a bonus, and it would be a shame to pass it up. While it isn’t ideal, and if you change jobs it will gO away, for the moment it provides protection. 

When you buy a home

Homeownership is something many people hope to achieve. Once you have achieved it, it is time to think about protecting yourself with life insurance. You are young and healthy and life insurance is affordable. Think about getting a whole life policy that will be with you for your entire life. It offers a death benefit, but it also earns dividends. It is a way of saving while paying for protection. 

When you have your first child

Children come with lots of responsibility, one of which is to make sure they’re cared for. If something happened to you, would they be able to remain in their current home, remain in their current school, and perhaps go to college someday. Your life insurance can help provide that and more but only if you have it. 

If you’re ready to talk about your life insurance needs at  A. L. Saland Insurance Solutions Inc we are here for you.

4 Popular Myths About Home Insurance

When shopping for home insurance in Florida, you must have come across numerous pieces of information. The truth is some info is valid while the rest is not so helpful. But because separating home insurance myths from the truth can be challenging, A. L. Saland Insurance Solutions Inc. is here to set the record straight by debunking common myths about home insurance that are sold as the truth. 

Standard home insurance covers flood damage.

Many homeowners aren’t aware that the typical home insurance doesn’t cover flood damage resulting from overflow from nearby water bodies. While home insurance may cover water damage resulting from burst pipes and appliances, you may have to buy a separate flood insurance policy to protect you against overland flooding.

The medical payment on your home insurance covers injuries for you and your family members.

While it’s true there is medical coverage in your home insurance, it’s usually a liability coverage that protects third parties and not you and your family members. For instance, if a guest slips and breaks their leg while on your premises, the medical payments coverage pays for their medical costs. 

All of your valuables are covered damage or loss occurs.

Home insurance covers damage or loss to personal assets such as furniture, electronics, and clothing when a covered loss strikes. However, for high-value items like art, silverware, guns, and jewelry, most home insurance coverages only provide limited coverage. As such, you need to talk to your agent to add a floater for optimal coverage.

Home insurance is required by law.

While mortgage lenders may require you to purchase home insurance as long as the loan liability is outstanding, there is no state or federal law that requires homeowners to purchase home insurance. 

Would you like to protect your Florida home with home insurance? You can trust A. L. Saland Insurance Solutions Inc. for all your home insurance solutions. Contact us today for a competitive quote.

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