O'Neal & Associates Insurance

We do Truckers, Tow Trucks, Car Haulers, Dump Trucks, Loggers, etc.

Get the insurance coverage that you need at an affordable price. We specialize in Commercial Trucking, Wrecker, Car Haulers, Non Emergency Transportation Vehicles.

A smart move is to discuss your business relationships with one of our insurance professionals. It’s a solid way to be sure that your business liability is handled efficiently and economically. This often means that the best strategy is to have every party take care of their own insurance needs.

Vermin, rodents, raccoons and other homeowner wildlife issues

Standard homeowners’ insurance policies include coverage for fires. If someone sets off fireworks that hit your home, you would be covered. Coverage amounts will vary, depending on the policy. Also check for exclusions in the coverage for example, are sheds or outbuildings covered, or damage to landscaping?

Are you protected against business auto losses? Drive over and discuss your situation with one of our insurance professionals. The trip will be worth it.

Have a safe and Happy 4th of July celebrating our nation's birthday. God bless America!

The majority of grill fires are caused by malfunctioning gas grills. In addition, thousands of people visit emergency rooms every year because they have burned themselves while barbecuing. In the rare instance of a grill fire spreading to your property, your homeowners insurance would provide financial protection as fire is a covered peril. A homeowners policy covers the following: Damage to the house itself. Damage to personal possessions such as lawn furniture.... Damage to insured structures on your property, such as a shed or gazebo. Injuries to a guest, under the liability portion of the policy. Keep in mind you’ll have to pay your deductible before your insurance kicks in, so if damage is minimal and your deductible is high, it may not make sense to file an insurance claim. See more

When you rent out your property to others, it is very important that you consider buying insurance that will properly protect you. Landlord insurance can be bare-bones or quite comprehensive. The amount and scope of coverage will vary according to what you wish to protect, the circumstances of the rental situation and the value of the applicable property.

Policy will be the guide The policy will be the guide about whether or not this secondary damage can be covered or not. For instance, some states require insurance companies to cover secondary mold damage due to a legitimate water damage claim. It's up to adjusters to know the exceptions and to understand exactly what the policy covers.