Baily Sandage, Author at Atlanta Insurance

Home Insurance Renewal Tips

September 26, 2022February 11, 2022 by Baily Sandage

Home insurance renewal is when an insurance policy is about to end and the policy owner is allowed to renew it. While the homeowner has the choice to just renew it, now is a good time to make any necessary changes and even shop around for better rates. The insurance provider will typically inform the policy owner 30 days before their policy’s expiration.

This is the perfect time to assess your current insurance needs and shop around. Remember, you don’t have to change your current policy if you’re happy with it. However, your insurer may make some changes to your policy automatically that you’ll want to look over.

In addition, your insurer doesn’t have to renew your policy if they deem you high risk. For instance, if you filed too many claims or live in a high-risk fire or flood area. However, they must notify you 45 to 60 days before your policy’s expiration.

In this article, we’re going to go over some tips for renewing your home insurance and how to get the best policy at a reasonable rate.

How to Create a Home Inventory Checklist

February 4, 2022 by Baily Sandage

Creating a home inventory checklist can help you decide how much coverage you need to protect your personal belongings. It also helps you figure out whether or not you need additional coverage for any high-dollar items. Basic home insurance policies provide limited coverage up to $1,000 or $1,500. Even though these limits keep home insurance costs low, your valuable items may be left unprotected.

If a disaster were to occur, you don’t want to be left figuring out what items are covered and which ones aren’t. This is where a home inventory checklist comes into play. We have a few tips that can help you create an in-depth home inventory checklist. Preparing this list will give you a better understanding of how much coverage you need. Let’s begin.

What to Do after a Car Accident in Georgia

November 29, 2022January 28, 2022 by Baily Sandage

Your actions right after a car accident in Georgia matter a lot. We understand that a car accident may naturally cause people to panic. But, it’s wise to stay calm as it will help you manage the situation better.

Your job after an accident is to make sure you and the other driver are okay. You should call 911 to report the accident and inform them on whether or not anyone’s injured. In this article, we will discuss in detail the steps to follow after a car accident in Georgia. What you do can directly impact the claims process and possibly prolong it.

Here’s what you need to know.

Is Your Georgia Home Underinsured?

January 21, 2022 by Baily Sandage

Your house is arguably your biggest asset considering it’s a huge investment. Therefore, your home must have proper protection. Home insurance is one of the easiest ways to ensure that your house has the financial security it may need in case of an emergency.

But, what does a homeowner do if their house doesn’t have sufficient coverage? Oftentimes homeowners don’t even realize they’re underinsured until they try and file a claim. Therefore, you must ensure that you have sufficient insurance coverage, which is why we’re going to point out some indicators that may help you decide.

In this article, we’ll discuss three instances where your home may be underinsured. Let’s begin.

How to Promote Your Georgia Business Using Social Media Marketing

January 13, 2022 by Baily Sandage

woman promoting her business on social media

Digital marketing has now become the talk of the town. The new avenues and opportunities that digital marketing offers give small businesses the chance to expand their operations rapidly. So, if you’re thinking about leveraging social media marketing for your business, it would be an ideal decision.

Businesses in Georgia are seeing a rise in competition due to the number of new businesses flooding the area. Therefore, small businesses have to make use of social media to stay relevant in this day and age. Let’s discuss a few ways small businesses can take advantage of it.

What to Know before Selling Your Home in Georgia

January 6, 2022 by Baily Sandage

Homeowners insurance is probably not at the top of your mind when you’re about to sell your home in Georgia. However, overlooking the importance of homeowners insurance during the sale of your house may harm you in the long run. There are several home insurance risks that you should know about, such as leaving your old property uninsured before closing.

In this article, we’ll discuss the important role homeowners insurance has while you’re selling your home in Georgia.

Does My Credit Affect My Car Insurance Rates in Georgia?

May 10, 2022December 29, 2021 by Baily Sandage

Credit scores can affect your car insurance rates because they represent your ability to pay your premiums on time. Insurers see a low credit score as a risk factor. Most states will adjust their rates based on whether or not you have good credit. However, some states like Hawaii and California don’t consider credit scores when determining your rates.

In the table below you can see how a low credit score has a negative impact on your auto insurance rates in the state of Georgia. In this article, we will discuss how credit and other factors can affect your car insurance rates in Georgia.

Provider	Poor credit	Average credit	Good credit	Excellent credit
State average	$3,143	$2,200	$1,982	$1,859
National average	$3,873	$1,865	$1,674	$1,487

Your Guide to Homeowners Insurance

December 22, 2021 by Baily Sandage

Whether you’re planning to buy a new home or have already purchased it, you must have thought about homeowners insurance. Why is it significant, or how does it benefit you?

Let’s admit a house is one of the most valuable possessions you own. It needs guaranteed security. Homeowners’ insurance policies protect your home in many ways.

If you’re looking for homeowners insurance, you have come to the right place. This article includes everything from what homeowners insurance is, how much you need, and what to consider before purchasing a homeowners insurance policy.

Here’s your very own homeowners insurance guide.

Car Insurance Rates in Georgia

May 10, 2022December 16, 2021 by Baily Sandage

Georgia recorded around 4,999 road accidents in 2020 alone. Most of these accidents occurred due to speeding, running red lights, and carelessness. Therefore, people rely on insurance to keep themselves financially safe. However, the rates can be quite high. On average, you’ll pay $756 for minimum coverage and $1,982 if you want full coverage. However, you don’t have to pay this much if you follow the right approach.

In this article, we’ll help you understand how car insurance in Georgia works and the smartest way to get an affordable policy.

Winter Driving Safety Precautions

December 7, 2021 by Baily Sandage

A variety of winter weather conditions—including snow, slush, ice and sleet—can create hazards on the road. In fact, the U.S. Department of Transportation estimates that crashes stemming from these conditions result in 116,800 injuries and 1,300 fatalities each year.

In this article we go over some winter driving tips and how to properly de-ice your outdoor walking areas.