Insurance Videos
Insurance Educational Videos from TCDS
TCDS Insurance Agency produces short, practical insurance education videos covering Alabama, Georgia, and Tennessee. Whether you are a first-time homebuyer, a small business owner in Birmingham, or a driver comparing quotes in Nashville, our videos break down the topics that matter most. Each video is created or reviewed by Todd Conn, CLCS, a licensed independent agent with real-world claim and underwriting experience.
Auto Insurance Video Guides
- Alabama Minimum Limits Explained — Duration: 4:22 — Covers state minimums, why they are rarely enough, and how to calculate your correct liability limit based on your net worth.
- Full Coverage vs Liability Only: When to Drop Collision — Duration: 5:47 — The break-even formula for dropping collision on an older vehicle. Includes real premium examples from Alabama ZIP codes.
- How to File an Auto Claim in Alabama — Duration: 6:15 — Step-by-step walkthrough: documenting the scene, notifying your carrier, working with the adjuster, and disputing a low settlement.
- Teen Driver Insurance in Alabama: Save Up to 40% — Duration: 3:58 — Good student discounts, telematics programs, and how to add a teen without doubling your premium. Real quotes from Hoover, Vestavia, and Madison.
- Uninsured Motorist Coverage: Alabama's Hidden Risk — Duration: 4:33 — Alabama ranks 6th nationally for uninsured drivers. This video explains UM/UIM stacking and how it protects your medical bills.
Home Insurance Video Guides
- Wind/Hail Deductibles in Alabama: What Your Policy Really Says — Duration: 5:12 — Explains percentage deductibles and how to calculate your actual out-of-pocket exposure on a $250,000 home. Covers Jefferson County and Madison County.
- Replacement Cost vs Actual Cash Value: The $40,000 Difference — Duration: 4:45 — Side-by-side claim scenarios showing why ACV settlements leave Alabama homeowners short after a total loss. Includes a depreciation table for common items.
- Alabama Flood Insurance: Do You Need It Outside a Flood Zone? — Duration: 5:30 — Explains FEMA flood zones, NFIP vs private flood, and which Alabama cities have the highest non-zone flood claim rates.
Business Insurance Video Guides
- BOP Insurance for Alabama Small Businesses: What Is Included — Duration: 6:03 — Covers GL, commercial property, business interruption, and optional add-ons. Includes real BOP quotes for a Birmingham retail store ($1,800/year) and a Huntsville consulting firm ($1,200/year).
- Workers Compensation in Alabama: Requirements and Costs — Duration: 4:55 — Explains the 5-employee threshold for WC requirements, classification codes, experience modification, and pay-as-you-go billing options for seasonal businesses.
- Restaurant Insurance in Alabama: What You Actually Need — Duration: 7:20 — Covers GL, liquor liability, commercial property, product liability, commercial auto, and EPLI for Alabama restaurants. Includes average premiums for limited-cooking vs full-service operations.
How to Use Our Video Library
Our videos are organized by insurance type. Start with the video that matches your most immediate question — whether that is filing a claim, comparing coverage options, or understanding a specific endorsement. After watching, call us at (205) 847-5616 or start a quote and we will apply what you learned to your actual policy. We serve clients in Alabama, Georgia, and Tennessee.