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A. L. Saland Insurance Solutions, Inc

15135 Ogden Loop
Suite 201
Odessa, FL 33556

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A. L. Saland Insurance Solutions, Inc Blog

Should You Insure a Junker?

A. L. Saland Insurance Solutions Inc. provides Odessa, FL residents with high-quality car insurance, even for junkers. However, we know that some Texas drivers may be tempted to forego protection on their junkers. Why pay for a vehicle that’s a piece of junk? Well, to protect yourself financially and legally.

All Cars Need Insurance

If you plan on driving a car on Texas roads, you simply can’t go without insurance. It’s against the law to drive uninsured, and you can experience real legal problems. For example, you might get fined if you get pulled over without it or experience lawsuits if you get into an accident without protection.

As a result, you need to find a policy that suits your junker. We understand that it might seem hard to justify spending a few hundred dollars a month to cover a vehicle you’re not going to drive long. That said, there are ways you can choose a policy that makes it fit into your financial plan more easily.

Choosing a Policy

Texas allows you to select minimal car insurance policies that don’t cost much but which also don’t offer a lot of protection. They’re typically just there to help with liability issues and replace your junker if it gets totaled. That kind of policy is great if you’re driving a relatively low-quality vehicle.

Furthermore, you can take steps like increasing your deductible costs to reduce your premiums. That means you’ll pay less every month but also have to pay more to activate your policy. If you’re driving a temporary junker that you’re going to replace anyway, there’s no reason to break the bank here.

Contact Us Today

With the help of our team at A. L. Saland Insurance Solutions Inc., your Odessa, FL area junker, can get affordable and strong insurance that can keep you safe. Don’t hesitate to reach out to us today if you’re interested in getting a policy that makes sense for your needs as a driver.

The Importance of Life Insurance

Our agents at A. L. Saland Insurance Solutions Inc. serving the Odessa, FL area want you to have the best quality of life possible, and with that comes a good life insurance policy. This type of policy will provide you with the peace of mind that you deserve in knowing that your loved ones will be properly cared for when you pass away.

The beneficiaries of your life insurance policy, normally your spouse or children, will be able to pay the mortgage, car payments, or other bills after you die with an adequate amount of life insurance. This will allow them to be able to grieve in peace without shouldering the added stress of having to worry about how they will survive financially.

Types of Life Insurance Policies

There are several different types of life insurance policies you can choose from and listed below are the three most common types of policies.

Term Life Insurance

Term life insurance is the most affordable policy that you can secure when it comes to life insurance, but if you pass away after the term expires, there will be no death benefit payout to your beneficiaries. You will choose the length of the term, normally 10, 20, or 30 years when you create your policy with your insurance agent. You can renew your policy for a new length of time when it expires if you so choose.

 Whole Life Insurance

A whole life insurance policy includes three different categories of life insurance. Those different types of insurance include whole life, universal life, and variable life insurance which are designed to pay out a certain amount of money to your beneficiaries when you pass away.

Universal Life Insurance

This type of life insurance policy is the most popular since it has a cash component to it that you can actually borrow from while you are still alive. This means that you can pay off larger bills, such as credit card debt, your mortgage, and other major bills before you pass away. This will provide you with a great sense of peace of mind since you know your family will be taken care of financially when you die. This policy also provides your beneficiaries with a death benefit.

Contact Us Today!

Do not wait to secure a life insurance policy since we never know when it will be our time to go. Enjoy your life and the peace of mind that comes with a proper life insurance policy. Call our agents at A. L. Saland Insurance Solutions Inc. is serving the Odessa, FL area today to get your policy started.

Mitigating Risk in Odessa: How Home Insurance Safeguards Your Investment

For Odessa, FL homeowners, there is no understating the importance of protecting your largest investments. At A. L. Saland Insurance Solutions Inc., we have the experience and know-how to help you reap all of the benefits of a well-chosen home insurance policy. To learn more about the unique advantages that our policies have to offer, please be sure to read on.

Protection of the Primary Structure

Depending on where in the Odessa region that you reside, you will have to remain proactive when it comes to the potential damages that the elements can cause. With a home insurance policy, you can ensure that the home will remain protected and its full value is accounted for. The last thing that any homeowner wants is to be left holding the bag when a natural disaster or storm occurs.

Coverage of the Home’s Contents

The contents within the dwelling will require coverage as well. By taking the time to provide our team of professionals with a detailed inventory of the home’s contents, all of your belongings will remain protected at all times. Don’t make the mistake of signing up for a home insurance policy without providing our insurance agents with a full inventory.

Lawsuit Protection

There is no shortage of issues that can arise on your property that could lead to a lawsuit. If a guest is injured or experiences property damage, you could be held liable in these instances. That’s one of the many reasons why home insurance is imperative.

Schedule A Consultation Today

Any Odessa homeowner who is looking for the right home insurance solutions has come to the right place. When you are ready to get started, contact the experienced professionals at A. L. Saland Insurance Solutions Inc. in Odessa, FL. We will walk you through every aspect of a potential home insurance policy so that you can make the most informed choice possible.

How Old do You Have to be to Sign Up for Medicare Insurance?

A. L. Saland Insurance Solutions Inc. is dedicated to providing the residents in and around the Odessa, FL area with top-quality insurance products. Individuals of retirement age are eligible for Medicare coverage. If you are searching for information about Medicare and what it offers, you can count on our insurance agents to provide you with the knowledge and support you need to access coverage.

Medicare Insurance Coverage

Medicare insurance can provide senior adults with health and related coverage services. If you’re 65 years or older, you can obtain Medicare insurance protection. If you want to learn more, our insurance agents are ready to help you get the necessary details. Additionally, we work closely with each customer to assess their current needs and match them with Medicare coverage that provides the most benefit and coverage.

We take the time to explain the terms and conditions of each Medicare coverage option to help ensure you’re an informed consumer. Medicare is customizable to suit your specific needs, so you should work with an insurance agent to help determine which options are most beneficial.

We can assist you and submit documentation to secure coverage as soon as possible and will help you with any changes during your policy’s lifetime. We can also provide support with any claim submissions.

Reach Out Today

If you would like to work with one of our insurance agents to secure Medicare coverage for yourself, we encourage you to call or stop by the office of A. L. Saland Insurance Solutions Inc. proudly serves the residents in and around the Odessa, FL area. We aim to help our customers get the insurance coverage they need to have security and peace of mind.

3 Common Types of Disability Insurance You May Need

If you become disabled and unable to work for a significant period, getting a disability insurance plan can help cover you financially. Disability insurance can help pay your benefits when you can’t work due to your condition. Some of the various types of this insurance include short-term disability, long-term disability, and individual disability insurance. If you’re looking for this type of insurance, our insurance agents at A. L. Saland Insurance Solutions Inc. serving Odessa, FL could help you identify the right one for your needs.

Common Types Of Disability Insurance

Short-Term Disability Insurance

If you can’t work for a short amount of time, short-term disability insurance may be a good option for you. It usually pays for a portion of your income if you’re unable to work for a few days or months due to an illness or injury. This type of plan usually has a benefit period of 1 year or less. Short-term disability insurance can cover women who are on maternity leave, musculoskeletal injuries that could be temporary, or non-work-related injuries.

Long-Term Disability Insurance

However, you may have a more serious condition that can cause you to not work for years. In that case, long-term disability insurance may be beneficial. This type of disability insurance plan usually has a benefit period of 2 years, 5 years, or age 65. If you become seriously ill or have a severe injury that prohibits you from working anywhere, you may qualify for this disability insurance. The three types of definitions of a long-term disability insurance plan are true own occupation, modified own occupation, and any gainful occupation.

Individual Disability Insurance

This disability insurance plan is available on a long-term or short-term basis. However, this plan is usually purchased privately. Many business owners and other professionals like to enroll in individual disability insurance. The benefits usually vary between individual long-term disability and short-term disability plans.

Contact Our Office Today

Finding the right disability insurance plan could be an easy process. Our Odessa, FL insurance agents are here for you to help you decide on the right plan for you. The financial impact of being disabled and out of work could hurt anyone. Contact A. L. Saland Insurance Solutions Inc. for help today.

Why RV Insurance is a Must For Snow Birds

Many people who live in northern states will head south come the winter. This way, they can skip the harsh winters found in say the Midwest or Northeast and can instead enjoy temperate weather in places like Florida. While some folks own winter homes, others instead live in recreational vehicles. If you’re opting to use an RV, taking out RV insurance is wise. Contact A. L. Saland Insurance Solutions Inc in Florida to explore RV policies that are perfect for snowbirds.

RV Insurance Provides Peace of Mind

Whenever you’re considering an insurance plan, it’s important to study what is and is not covered. Often, you’ll find that with RV insurance you can select from many different plans that provide varying coverage. Understanding the fine print is important with any insurance plan, and it’s important not to draw assumptions about what is or is not covered.

Motorhomes and other recreational vehicles can be very expensive, potentially costing more than your car or truck. In some cases, homeowner’s insurance might provide coverage for an RV parked at your home. Auto insurance may also provide some coverage for RVs that you’re towing with your insured automobile.

However, the coverage provided is often limited. Damage caused by storms or criminal activity (like a break-in) at a winter campground may not be covered at all. Given how expensive RVs are, and also the fact that you may have expensive valuables stored within the recreational vehicle, it’s wise to take out additional RV insurance plans.

If you’re heading to Florida for the winter, you’re likely looking for rest, relaxation, and warm weather. By mitigating risks, you may be able to enjoy better peace of mind.

We Are Here To Help

Get in touch with A. L. Saland Insurance Solutions Inc to discuss RV insurance options in Florida.

Is Health Insurance Required for Everyone?

Health insurance is an essential tool for keeping healthy and avoiding losses as a result of medical issues. Today, most Americans are required to have health insurance or incur a penalty unless they are exempt. If you would like to obtain quality health insurance, you can rely on the experts at A. L. Saland Insurance Solutions Inc. We are proud to help the residents of Florida get the insurance coverage they need.

Health Insurance Coverage 

Having the right level of health insurance is essential for maintaining your health. Individuals currently interested in finding health insurance policies that meet their current and future needs can count on our team of experts to help them decide. Each insurance agent is knowledgeable and licensed to assist the residents of Florida with policy selection.

We take the time to get to know each customer to help them determine which policies will benefit them most. Not only do we provide assistance with policy selection, but we can also help with document submissions, changes to the policy during its lifetime, and any claim submissions. We aim to help ensure each customer gets health insurance that offers them the protection and benefits they need to care for their health.

Reach Out Today 

At A. L. Saland Insurance Solutions Inc, we strive to give our customers exceptional support by working closely with them and providing them with information and education about the products we offer. To learn more, please call or stop by our offices today. We can schedule a consultation or provide additional details about the insurance products we provide for Florida residents. Get the health insurance coverage you need to comply with government requirements.

Four things you should do when you’re on the market for auto insurance

Vehicle owners need to have auto insurance. At A. L. Saland Insurance Solutions Inc., we provide auto insurance to Florida drivers that cover their liability expenses and provides financial protection.

The following are four things you should do:

Learn about coverage types and decide what you want.

There are a few different types of coverage that you can get on your auto insurance policy.

While you must have liability coverage to meet state requirements, you have the option of buying collision and comprehensive coverage.

You also have the option of buying other types of coverage like rental vehicle coverage and roadside assistance. Uninsured/underinsured motorist coverage is another optional type of coverage. 

Get your paperwork together.

When you purchase auto insurance, you need to provide your auto insurance provider with information about your vehicle like your VIN number and vehicle model. 

It’s important to gather paperwork and documents that include needed information like your vehicle title and driver’s license when you buy a policy. 

Research auto insurance providers in your area.

You’ll need to choose which company to buy insurance from. Make a list of the auto insurance providers in your area that have a reputation for reliable coverage and good customer service. 

Get quotes from auto insurance providers.

When you’ve found some insurance companies you are interested in buying coverage from, you should get quotes on policies. You can then compare auto insurance quotes to choose which policy you want to purchase. 

Reach Out To Us

We can offer you a policy quote at A. L. Saland Insurance Solutions Inc. If you’re a Florida driver and you’re choosing auto insurance, give us a call today!

Three ways you’ll benefit from carrying life insurance

Consumers should be aware of the many benefits they’ll enjoy when they carry life insurance in Florida. A. L. Saland Insurance Solutions Inc can provide you with life insurance that benefits you and your family. 

Here are three ways you’ll benefit from carrying life insurance:

Carrying life insurance makes it so that your dependents won’t be worried about living expenses in the future.

Probably the best benefit of having life insurance is that life insurance protects your dependents financially.

When you have life insurance, you know that your dependents will be provided for if you pass away and your income is no longer available to cover the living expenses of your dependents. 

Life insurance coverage can pay for the costs of your final burial expenses.

Consumers shouldn’t underestimate how expensive it can be to cover final expenses including a funeral and burial. Fortunately, life insurance can cover these expenses so that your loved ones don’t have to pay for them when you pass away. 

Your life insurance policy can add to the retirement savings that you have available. 

Life insurance policies don’t just benefit you financially by providing money to your dependents. Life insurance policies that include a savings component can also help you to save for retirement. 

Whole and universal life insurance are two types of insurance that involve a savings component. These policies will grow in value over time. You’ll be able to use the funds that have accumulated in these policies to make purchases in the future. 

We Are Here To Help!

You can contact us at  A. L. Saland Insurance Solutions Inc to learn more about how you’ll benefit from having life insurance. Florida consumers can call us today to get a quote on a life insurance policy. 

Does Home Insurance Cover Fallen Trees Next to Your Home?

Having home insurance is vitally important to help mediate risks. A home faces risks from many potential causes, including falling trees from decay or weather-related causes. Trees can cause extensive or catastrophic damage to homes if they fall, so having the right type of insurance protection in place is crucial to prevent losses.

Residents of Florida can count on A. L. Saland Insurance Solutions Inc to provide reliable home insurance coverage to protect against losses from falling trees and other risks.

Home Insurance Protection 

Securing home insurance coverage may mean following specific terms and conditions outlined by the insurance policy. An insurance policy may sometimes require specific pruning or removal of a tree to maintain policy coverage. However, if there are no stipulations in place, home insurance will likely provide coverage if a tree falls through or on your home.

Home insurance is designed to offer policyholders a web of protection against certain risks, such as damage resulting from external sources or unexpected events. Instances like falling trees can present dire consequences for homeowners without adequate coverage. To get the right level of protection to prevent losses resulting from falling trees and other covered events, please get in touch with one of our knowledgeable insurance agents, who can provide more details.

Learn More Today 

Anyone looking for top-quality home insurance protection can rely on A. L. Saland Insurance Solutions Inc to provide ideal insurance protection to the residents of Florida. To learn more, call or stop by our office and schedule a consultation with one of our team members. Be sure to get the coverage you need to protect the things you value.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

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Partner Carriers

  • Aetna
  • Aflac
  • Allstate
  • Banner
  • Cabrillo
  • Cigna
  • Citizens
  • Edison
  • FedNat
  • Florida Peninsula
  • Gainsco
  • GeoVera
  • Guardian
  • Hagerty
  • Heritage
  • MetLife
  • Monarch
  • Neptune
  • Safeco
  • Security First
  • Tower Hill
  • Travelers
  • TypTap
  • Universal PC
  • Wright Flood