Don’t fall for these 8 Atlanta home insurance myths

We'll explain the truth and debunk eight home insurance myths.

We'll explain the truth and debunk eight home insurance myths.

When you’re dealing with something as important as Atlanta home insurance, it’s crucial to have the facts. There are many assumptions and myths out there about home insurance. We’re going to turn some of these home insurance myths upside-down and discover the truth.

1. MYTH: I should use my home’s market value when I insure it.

The truth: You should insure your home for its reconstruction value.

The goal is to have enough home insurance to completely rebuild your home from the ground up if it were destroyed, including clean-up and construction costs. That means insuring your home for its reconstruction value. The market value of the home, or the amount that a house would reasonably sell for, may not accurately reflect the amount you would need to rebuild the home – you could actually be overinsuring or underinsuring the home.

2. MYTH: Home insurance covers flooding.

The truth: It doesn’t. This is one of those home insurance myths that is not true.

Many homeowners only find this out after their home sustains flooding due to heavy rain. But flooding simply isn’t covered by Atlanta home insurance, even though certain types of water damage are. To protect your home against flooding you would have to have a flood insurance policy in place. You can get flood insurance from the National Flood Insurance Program (NFIP) through an agent.

3. MYTH: Home insurance covers all of my personal belongings.

The truth: Kind of. This is one of those home insurance myths that you need to talk to your agent about.

Yes, a typical home insurance policy will provide coverage for your personal belongings – electronics, furniture, clothing, and so on. But there are a few things to consider. First, you need to check and see what the limit of coverage is for your personal belongings (the maximum amount of money insurance will pay out.) You also have to check to see what losses and perils are covered under your policy.

Jewelry and valuables are something else you have to think about. Your policy may only provide limited coverage for jewelry, art, and other valuables – and this coverage might not be enough to fully protect your treasures. You might have to explore options for covering your jewelry, valuables, art, and collections.

4. MYTH: Home insurance will cover termite damage.

The truth: Termites are pestilential beasts and damage by these tiny demons is not covered by home insurance.

If termites go to town and turn your home into their own personal buffet, the damage and cost of extermination would not be covered by home insurance. Termite damage is considered to be a maintenance thing, and home insurance typically doesn’t cover maintenance-related issues.

Pro-tip: Have regular pest-control and termite inspections. Squash the bugs before they cause serious damage – or emotional distress.

Be aware of the home insurance myths that are out there.

5. MYTH: Home insurance will replace my belongings like new.

The truth: Well, it depends on your policy.

You can insure your personal belongings for their replacement cost value or their Actual Cash Value.

Actual cash value coverage means that your insurance company will give you the value of the belongings at the time of the loss as reimbursement. (This is the depreciated value, and it may not be enough to replace your belongings with similar models at today’s pricing.)

Replacement cost value coverage will replace your belongings with similar models, regardless of the depreciated value of your belongings at the time of the loss.

The point is you need to read your policy to see how your personal belongings are covered and to determine if you have enough insurance.

6. MYTH: If an injury occurs in my home, it’s covered.

The truth: Liability coverage takes care of your legal responsibility to your guests if they’re injured, not your family.

If a guest trips over your garden hose and breaks an arm, your liability would be covered by home insurance. (For example, their medical bills or expenses if they sue you.) But if a member of your family trips over the same hose and breaks an arm, you would have to use your health insurance.

7. MYTH: Home insurance covers my home-based business.

The truth: You need to check your home insurance policy (as with many of these home insurance myths.)

Home insurance might provide limited coverage for any business-related equipment or inventory you have, or it may not provide any coverage at all for business-related things. And even if there’s coverage for business property, it might not be enough. And you also have to consider your liability.

Anyways, the point is that you need to make sure your home-based business is properly insured. You might need to add coverage to your home insurance policy through an endorsement, get a home-based business policy, or get a business owner’s policy.

8. MYTH: Home insurance is too expensive to be worth it.

The truth: Home insurance is a financial safety net.

The house you live in is a big investment, and insurance can help you protect that investment. Consider what would happen if your home was burgled, caught fire, or got in the way of a falling tree.

As far as home insurance being overly expensive, we’re happy to bust that myth. Our agents are pros at helping people save money on home insurance and get great coverage at a great rate. We can shop your rates and get you the insurance you need to protect your home. All you have to do to get started with Atlanta home insurance quotes is fill out our online form or give us a call today. Let’s crush these home insurance myths together.

What you need to know about Georgia’s graduated license program

The Georgia graduated license program places restrictions on young drivers.

If you have a teenager who’s about to get their Georgia learner’s permit or driver’s license, there are a few things you need to know about the Georgia graduated license program. See, when your teen gets their license, they can’t just go driving around all hours of the night with as many passengers as they want. Their license has restrictions until they turn 18. As time goes by, those restrictions are loosened until the driver turns 18 and all limitations are lifted. We’ll explain how the Georgia graduated license program works.

Georgia’s Graduated License Program: TADRA

Before we break down each “step” in the Georgia licensing process, let’s talk a little about the program itself.

TADRA, or the Teenage and Adult Driver Responsibility Act, is the system that allows drivers aged 15-18 to “graduate” to less restrictive licensing as they gain driving experience. TADRA places limitations on when newly licensed drivers are allowed to drive and how many passengers they can have in the car. It was passed in an effort to prevent accidents and fatalities among young, teenaged drivers. The restrictions placed on these newly licensed drivers are meant to increase their safety and lower their likelihood of being in a crash.

(Note: TADRA is also known as Joshua’s Law.)

The Three Steps of Georgia’s Graduated License Program:

Phase One: The learner’s permit.

The first step is to get a learner’s permit (a.k.a. instructional permit.) In Georgia, a teenager can get a permit when they’re 15 if they successfully pass the written exam. As they’re learning to drive, the teenager must be accompanied by a driver who has a valid Class C license and who is over 21 years of age.

The first step of the Georgia graduated license system is getting a learner's permit.

Phase Two: The Intermediate License (Class D)

Teenagers aged 16-18 are eligible for a Class D license if they’ve had their learner’s permit for 12 months and passed their driving test. If the teenager is 16, they cannot get their license unless they’ve completed an approved driver’s ed class. Seventeen-year-olds do not need a driver’s ed class.

(However, any driver aged 16 or 17 must have completed 40 hours of supervised driving experience, and six of those hours must be at night.)

There are restrictions for drivers who have a Class D license:

  • They cannot drive between 12 a.m. and 5 a.m.
  • They can only have a certain number of passengers in the car.
    • For the first six months after getting their license, no passenger that is not an immediate family member can be in the car.
    • For the second six months, only one passenger (who is not immediate family) that is under age 21 can be in the vehicle.
    • After one year, no more than three other passengers (under age 21) who are not immediate family members can be in the vehicle.
  • They have to meet Joshua’s Law requirements.
    • Any sixteen-year-old who gets a Class D license must have completed a driver’s ed class approved by the Dept. of Driver’s Services.
    • They also must have completed 40 hours of other supervised driving with at least six hours of night driving.

Phase Three: The full license (Class C)

When a teenager reaches age 18, they can graduate to a Class C license and the driving restrictions are lifted. Their Class D license must be valid and they cannot have been convicted of any major traffic violations to get a Class C license.

Also, keep in mind that Georgia does not tolerate underage drinking and driving. Any underage (under 21) driver with a blood-alcohol level of .08 grams or more will have their license suspended for 12 months on the first offense.

Teen driver safety.

As a parent, it’s important that you explain these restrictions to your teen and make sure they know to respect them. As we said, the restrictions are to keep the teenager safer and reduce traffic accidents among newly licensed drivers.

The reasoning behind the restrictions is sound. Night driving is a different story than driving during the day. Bright headlights make it tricky to see and react to hazards in time – teens just don’t have a lot of experience with night driving. As for passengers, they’re distracting. They can cause a teenager to lose focus on driving.

Along with ensuring that your teenager follows the restrictions of their license, you as a parent can do the following to keep your teen driver safe.

  • Talk to them about the dangers of texting and driving.
  • Have them practice a lot.
  • Set a good example.
  • Set some rules for driving and using the car.
  • Get them a safe vehicle.
  • Encourage seatbelt use.
  • Make sure they don’t drive tired.

Georgia’s graduated license program (TADRA) is intended to keep newly licensed drivers safe by placing limitations on when they’re allowed to drive and how many passengers they can have in the car. Be sure to talk to your teenager about the restrictions and understand why it’s so important to follow them.

And, of course, it’s important to get great Atlanta teen auto insurance. Our agents can help you shop for quality coverage at a great rate. Yes, teen auto insurance can be expensive, but we can help you save money while getting your new driver the coverage they need. Get started with car insurance quotes by filling out our online form or giving us a call today.

Source:

https://dds.georgia.gov/teen-drivers

Does Atlanta home insurance cover burglary?

Home insurance should cover burglary.

Home insurance should cover burglary.

Your Atlanta house is more than just a structure with a roof and walls. It’s your home. You know you need to protect it with the right insurance, even though it’s scary to think about what-ifs – like burglary and what would happen if your home is burglarized. The thought is terrifying. But you might have this question – does home insurance cover burglary? We’re going to answer that question and give you some quick tips to prevent a break-in at your home.

Does Atlanta insurance cover burglary or theft?

Most home insurance policies do cover burglary, yes. Your policy should include personal property coverage, and that will provide insurance for your belongings. So, if someone breaks into your home and steals some of your possessions, you could file a home insurance claim and you would be covered. You’d have to read your policy carefully to find out exactly how your insurance would handle a burglary.

Your policy will probably have a limit for coverage for your personal property. That limit could be a percentage of the dwelling coverage on your home. Anyways, it’s really important to make sure that you have enough coverage to replace all of your belongings, so you need to check that your personal property coverage limit is high enough. (And we can help you make sure that you have the home insurance you need. Get started with Atlanta home insurance quotes by filling out our quick online form.)

To get an idea of how much coverage you need for your belongings to protect yourself against burglary, you can take a home inventory, which is basically a list of all of your belongings and their value. This will come in handy if you ever need to file a home insurance claim for burglary because you’ll easily be able to tell what’s been taken. You’ll know exactly what you need to include in your claim.

What if my belongings are in my car when they’re stolen?

If you have a bunch of stuff in your car and your car gets broken into or burglarized, your home insurance should cover those belongings and replace them. Most policies will cover your personal belongings even if they’re not in the home (although there could be limitations.)

Now, if your car is stolen from your driveway, however, your home insurance won’t cover it. You would have to have comprehensive coverage for your vehicle, which is a type of car insurance that will repair or replace your car if it’s damaged by something other than an accident (such as fire, falling trees, animal strikes, vandalism, and yes, theft.)

How to prevent a burglary at your Atlanta home.

No one wants to see their home get broken into, and it’s important to secure your house. The following tips can help you prevent a burglary at your house:

  • Keep the doors and windows locked. Contrary to popular belief, most burglaries occur during the day – not at night.
  • Consider getting timers for your indoor lights.
  • Make sure you have plenty of outdoor lighting.
  • Consider getting a security system.
  • Secure your valuables.
  • Keep your bushes and trees trimmed to eliminate and potential hiding places for burglars.
  • Be familiar with your neighbors.
  • Don’t leave boxes from expensive purchases outside on the curb.

So, that’s the scoop about home insurance and burglary. Your home insurance policy most likely covers burglary and theft. There is a section of your home insurance that covers your personal belongings, and that’s the piece that’s going to replace your belongings. So, hopefully, you can find a little peace of mind knowing that your home insurance covers burglary.

Want to save money on your home insurance? We’d be happy to help you get an Atlanta home insurance quote. Our agents are experts at helping people get great coverage at a great rate. To get started with your quote, fill out our online quote form or give us a call today.

Does Atlanta home insurance cover my personal belongings?

Your home insurance covers your personal belongings.

Your home insurance covers your personal belongings.

You purchased Atlanta home insurance to be an invisible financial safety net in case you have some sort of loss to your home. That house was a big investment, after all. But you might have this question floating in your mind: does home insurance cover personal belongings? We’re going to answer that question, but we’re also going to explain how much insurance you need for your personal belongings and how to insure your belongings.

Are personal belongings covered by Atlanta home insurance?

Yes. A typical Atlanta home insurance policy should pay to replace the contents of your home (such as your furniture, your electronics, your clothes, and so on) if they are destroyed by a covered loss. Your policy should have a certain “limit” for personal belongings coverage. Home insurance is there for you – it’s got your back. (And if you’re looking for Atlanta home insurance quotes, we can help. Just fill out our online quote form or give us a call and we can help you get the insurance you need to protect your house.)

What losses are covered?

Well, that depends on your policy, which will outline the losses that are covered. However, some examples of losses that are usually covered by home insurance are:

Like we said, you really have to go over your policy carefully to understand exactly what is covered and what is not. There’s a lot of helpful stuff in your insurance policy. Admittedly, it might not be the most riveting read, but still – you’ve got to read your policy.

Taking a home inventory can help you find out how much insurance you need for your personal belongings.

What losses aren’t covered?

Some losses are typically not covered by Atlanta home insurance. The following are excluded from most policies.

  • Flooding: To protect your home against a flooding disaster, you would need flood insurance. You have to purchase flood insurance from the NFIP through an agent, and you would have to make sure to include coverage for personal belongings in your flood insurance policy.
  • Sump pump failure/Sewer backup: To be protected against losses stemming from a sewer backup or sump pump failure incident, you would have to add coverage for sewer backup to your policy.
  • Jewelry: It’s not that home insurance excludes jewelry and other valuables, but usually policies offer a very limited amount of coverage for them. You may need to add extra coverage for your valuables.

These are just a few home insurance exclusions to be aware of. You need to spend some quality time with your policy to find out how certain losses are handled.

How much coverage do I need for personal belongings?

The next question is how much insurance you need for your personal property.

Taking a home inventory can help you find out how much coverage you would need to replace your belongings. A home inventory is basically a list of all the items in your home and their values. The easiest way to organize it is to break it down room by room.

Having a home inventory can also come in handy if you ever have to file a home insurance claim. It’ll be a lot easier to list the items that need to be replaced because you’ll have a prepared, detailed list of your belongings. Just make sure to keep your inventory somewhere safe – maybe consider a safe deposit box or Google Drive to ensure it doesn’t get destroyed if something happens to your home.

Pro tip: Pay extra attention to jewelry and other valuables. Like we said, you may need to add coverage for these things.

How should I insure my personal belongings?

You can insure your belongings for their Actual Cash Value or their Replacement Cost Value.

Actual Cash Value (ACV): If you insure your belongings for their ACV, your insurance company will reimburse you for the value of your belongings at the time of the loss (meaning the depreciated value.)

Replacement Cost Value: Replacement cost value does not take depreciation into account and will allow you to replace your belongings with similar models at today’s prices.

The bottom line is that you might want to insure your belongings for their replacement cost value to ensure that you receive enough reimbursement to replace your belongings at today’s prices.

So, that’s the scoop about home insurance and your personal belongings. While your home insurance should have coverage for your belongings, you have to read your policy to find out which losses are covered and which aren’t. Having a loss to your home could be a huge financial blow, but that’s why home insurance is there – to be your safety net.

To get started with some Atlanta home insurance quotes, you can fill out our quote form or give us a call today. Our team can help you find great coverage at a great rate. And we’ll help you make sure that your house and all of its contents are fully covered by insurance.

8 times you need to talk to your insurance agent

It's important to keep your insurance agent informed about changes to your life or home.

It's important to keep your insurance agent informed about changes to your life or home.

Your insurance agent is there to help with many things. As life goes on, changes happen and your insurance might need to be adjusted. Your coverage needs to be customized to you, and if you have a change in your life or to your home, you need to have your coverage tailored so it fits like a glove again. It’s important to keep your agent in the know so that you don’t have any coverage gaps. Here are 8 times you might want to pick up the phone or write an email to talk to your agent.

8 times that you should talk to your insurance agent.

1. When you buy a house.

Buying a new home insurance means getting home insurance, and that means calling an insurance agent. You need to make sure your home is protected from fires, burglary, falling trees, and so on by getting the right home insurance. This is why an agent can be a big help. They can help you make sure you have enough home insurance.

Keep in mind that you probably want to insure your home for its reconstruction value, which is the amount it would cost to rebuild your home from the ground up if it were destroyed by a fire. The reconstruction value includes the expenses associated with clean up and rebuilding. And of course, it’s also important to have enough coverage for the contents of your home.

2. When you’re renovating your home or when you’re making home improvements.

Home renovations can affect your home insurance. You could end up increasing the value of your home if you make significant changes to the house, which means you may need to increase your limits of home insurance. It’s a good idea to let your agent know about any major changes or renovations to the home and have a conversation about your insurance. It’s essential that you have enough insurance to cover the costs of rebuilding your home so you can put it back to the way it was before the loss.

Apart from renovating, home improvements that make your home stronger or safer – such as getting a security system, getting a new roof, or getting a new electrical system – can qualify you for home insurance discounts. So, if you’ve made an improvement to your home that makes it safer or stronger, you could be eligible for a home insurance discount.

3. If your teenager gets their driver’s license.

If your teen is getting their license, you need to set them up with the right car insurance. Teen car insurance can be very expensive, so you may want to add them to your policy rather than getting them their own policy. However, that’s a conversation that you can have with your agent. Talk to your agent about the fact that your teenager is about to start driving. Hopefully, they can help ease your anxiety about handing over the keys by setting you up with great teen auto insurance.

Your insurance agent can help you make sure you have enough home insurance.

4. Getting married.

Marriage means that you’ll be combining households – and perhaps cars. As far as car insurance goes, you could get a car insurance discount if you insure more than one car with your carrier. It might be worth checking to see what it would take to get you and your spouse onto the same car insurance policy.

5. Having a baby.

If you’re going to be bringing a baby into the world, you might want to consider getting life insurance. If you already have life insurance, you’ll need to add your child to your policy as a beneficiary.

6. When you get valuable jewelry or art.

Maybe you inherited valuable jewelry or artwork, or maybe you bought it. Either way, when expensive jewelry or art comes into your possession, you’ll need to let your agent know so you can chat about the best way to go about insuring your valuables. Oftentimes home insurance policies only give you a small amount of coverage for your values, so you may need to add coverage or even take out a separate policy for your valuables.

7. When you retire.

If you retire, you might qualify for a home insurance discount, so that could be worth a phone call to your agent. Also, if you’re moving residences, that’s also something to let your insurance agent know about.

8. Buying or selling a business.

You’re making significant changes to your assets if you’re buying a business or selling a business, so it’s important to let your agent know about the change. (And if you buy a business, of course, you’ll need to make sure you get the right insurance.)

The above are a few occasions where it could be worth calling your insurance agent to tell them about your new situation. Remember, it’s so important to have the right insurance for your house, your family, and your finances. Don’t be shy – your agent’s job is to ensure that you’ve got the insurance you need.

Do you want to save money on your home insurance or auto insurance? We can help you get quotes for your coverage. We strive to be your insurance partner and advisor, so we’ll help you get the coverage you need at a great rate. Get started with home insurance quotes or auto insurance quotes with our online quote form or by calling us today.

15 common Atlanta car insurance discounts you should ask about

Car insurance discounts are a great way to save money.

Car insurance discounts are a great way to save money.

Let’s start out by stating a simple fact: Atlanta car insurance can be expensive. The arrival of your car insurance bill each month might fill you with dread. So, like many people, you’re trying to figure out how to save money on car insurance. One way to get lower premiums is to investigate car insurance discounts. Now, each carrier offers different discounts and different amounts of savings, but below are 15 common car insurance discounts you might want to look into.

15 common Atlanta car insurance discounts.

1. Accident-free/Safe driver discount.

If you’ve gone a certain number of years without an accident, you could qualify for an accident-free discount. The fact that you’re a safe driver means that you’re a lower risk for the insurance company, and they could reward you with a discount that will lower your car insurance premiums. So, being a safe driver can literally pay off!

2. Multi-car discount.

Does your family insure more than one car with your insurance carrier? If so, you could get a multi-car discount. So, if you and your spouse have car insurance from the same carrier, you might want to ask if there’s any kind of discount for that.

3. Good Student discount.

Teen car insurance can be very expensive, but that’s why there are discounts for young drivers. Teens and young adults who have good grades could qualify for a Good Student Discount. If your teenager gets good marks in school, you might want to contact your insurance company to see if they qualify.

4. Bundling.

Bundling is when you get your home insurance and your auto insurance from the same insurance company. Many carriers offer a pretty significant discount on car insurance if you bundle, so it’s definitely worth checking to find out if bundling makes sense for you.

5. Setting up automatic payments.

You could get some sort of discount just for setting up automatic payments, meaning that your car insurance bill will automatically deduct from your bank account each month. (And this is also handy because you don’t have to worry about forgetting to pay your car insurance bill!)

6. Paying in full.

If you pay in full for a year’s worth of auto insurance, you could get a discount. Yes, it’s a big sticker shock up front, but if you’re financially comfortable paying for the entire year when you renew your policy you could get some savings in the long run.

7. Paperless payment.

There could be a small discount if you opt to get your bills and pay them online instead of having them mailed or printed. Who knew insurance companies were so eco-friendly?

8. New car.

You might get a discount if you recently bought your car or if it’s under a certain “age.” So, if you’re getting a brand new vehicle and adding it to your policy or trading in your current car for it, check and see if there are any savings to be had for your new ride.

9. Students away at school.

If your college student is attending a university that’s far away from home (usually 100 miles or more) and they’re not bringing a car, they could get an “away at school” discount. Of course, they’ll need insurance for when they’re home on break borrowing the car, but if they’re not going to be driving while at college this discount could be something worth looking into.

10. Usage/Low-mileage discount.

If you don’t drive that much and you have a relatively low annual mileage, you could get a discount. Less driving means less risk of an accident, which is why insurers sometimes offer a discount.

11. Seniors.

Sometimes seniors can qualify for car insurance discounts. Contact your carrier and ask if they offer this discount, and, if so, whether or not you’re eligible for it.

12. Anti-theft device.

Your car might be super nifty and come with an anti-theft device to prevent vehicle theft. Another cool thing? That anti-theft system could qualify you for a car insurance discount. (But keep in mind that some carriers only offer this discount if the device is factory-installed and not if you choose to add an anti-theft device later.)

13. Military.

If you’re in the military or were in the military, you could save money on your car insurance. The discount could even apply to your family, too. Definitely check into that when you’re getting car insurance.

14. Loyalty.

Insurance companies value loyalty. If you stick with your car insurance company for years, they might thank you by giving you a discount on your rates. Look into it and see how that works with your carrier.

15. Affiliation with a club, employer, group, school, etc.

Your insurance company might offer discounts if you’re involved with a group that they’re affiliated with.

There are a lot of car insurance discounts out there that could help you save money on your rates … just by being you. Do some research about your carrier. Check out their website and see what discounts they talk about. Call your insurance agent and ask them to explain what discounts they offer. You might have to be proactive about it. Your insurance company can’t give you discounts for things they don’t know about.

Looking to save money on your car insurance? We would be happy to help by getting you an Atlanta auto insurance quote. Our agents are pros at helping people get great coverage at a great rate, and we’ll be happy to talk about car insurance discounts with you. Get started with your quotes by filling out our online form or giving us a call today.

How to create a fire escape plan for your Atlanta home

You can create a home fire escape plan.No one wants to think of what would happen if they had a house fire. It’s a very scary thought. But it’s so important that your entire family knows exactly what to do and where to go if the smoke alarm goes off or the air smells like smoke. Having a home fire escape plan can help everyone get out of the home as quickly and safely as possible. We’ve put together a list of tips for creating a home fire escape plan.

How to create a home fire escape plan.

1. Find two escape routes from each room in the house.

If there’s a fire, the most obvious way out of a room could be unsafe because of smoke, flames, or heat. That’s why you need a Plan B to get out of any room and out of the house. You can get your family to help you out and come up with your escape routes together.

2. Go over fire safety with your family.

Set aside some time to go over some basic fire safety with your family. Make sure to go over the following:

  • Stop, drop, and roll if clothing is on fire.
  • How to call 911.
  • How to use the back of the hand to feel a doorknob, the top of the door, and the space at the frame of the door – and then use the second exit if the door is hot.
  • If the door is cool, open it slowly as you brace yourself against it.
  • How to crawl on the ground while covering your mouth if you have to pass under smoke.
  • How to properly store flammable objects or chemicals.
  • Space heater safety.
  • Why it’s important not to waste time gathering belongings.
  • Teach children never to touch matches or lighters. (And don’t forget to childproof your home.)
  • How to prevent electrical fires by taking care with electrical cords, outlets, and circuits.

3. Have a meeting spot for your family.

As you’re creating a home fire escape plan, plan a good spot for your family to meet after getting out of the house. Everyone needs to know where to go, and it needs to be a safe spot that’s far enough away from the house. Also, decide which neighbor’s house you’re going to go to so you can call 911.

4. Teach children what to do if the smoke alarm goes off.

Kids might get really scared if they hear the smoke detector or smell smoke, and their instinct could be to hide. Be sure to explain to your children that they need to get out of the house if there is a fire instead of hiding. Of course, you don’t want to scare them, but they need to understand how important it is to follow the fire escape plan.

5. Do a “fire drill.”

Put your fire escape plan to the test after you’ve created your plan and gone over it with your entire family. Do a “fire drill” and give your family two minutes to “escape” from the home and get to the meeting place.

You also might want to consider having everyone practice getting out of the house with their eyes closed (but please – be very careful!) It’s probable that getting out of a burning house will involve darkness and smoke. Also, take some time to practice crawling on the ground to avoid heavy smoke overhead.

6. Keep the escape routes clear.

It’s important that the way out of the house doesn’t involve doing an obstacle course. By tidying the house and keeping the floor clear, you make it easier to make a quick escape. You should also check your windows to make sure they open quickly. If there are any stubborn windows, have them fixed.

Another thought – if you have child safety gates, latches, or window bars, be sure that there are quick release features.

7. Check the smoke detectors.

Check and see how many smoke detectors you have and where they are. It’s crucial that there are enough smoke detectors and that there’s one located outside each bedroom. Test the smoke detectors once a month and change the batteries at least once a year. (Daylight Saving Time is a great time to do this because it’ll be easy to remember the last time you changed the batteries.)

If you have a house fire, there is not a lot of time to act and escape from the home. And that’s why creating a fire escape plan is so essential – having a plan makes it much easier to act quickly and without hesitation. Practice your plan and be sure to coach your kids on what to do. Make fire safety a thing in your household.

Are you looking for Atlanta home insurance quotes? We can help. Our team of insruance experts can get you multiple quotes for your insurance and help you save money on your home insurance. We also like to make home insurance easy. Get started with your Atlanta home insruance quotes by filling out our online form or giving us a call today.

Source:

http://www.nsc.org/NSCDocuments_Advocacy/Fact%20Sheets/Fire-Escape-Plan.pdf 

http://www.redcross.org/news/article/A-Home-Fire-Escape-Plan-Can-Save-Your-Life 

http://www.redcross.org/get-help/how-to-prepare-for-emergencies/types-of-emergencies/fire/home-fire-preparedness 

What’s the average cost of home insurance?

The average cost of home insurance

The average cost of home insurance

Home insurance can get tricky. There are a lot of factors that go into determining the cost of home insurance. Nonetheless, there are some areas of the country that have higher rates and some areas of the country that have lower rates. It can even go so far as certain ZIP Codes paying more or less for their insurance. So, the question of what is the average cost of home insurance is a little complicated. Still, we’re going to explain what states have the highest rates and which have the lowest – and we’ll tell you where Georgia falls in the ranking. We’ll also explain the reasons for the difference in rates from state to state.

What’s the average cost of home insurance?

Okay. First, let’s start with some nationwide numbers for the average cost of home insurance. According to a 2018 article from Insurance.com, here’s where the national averages stand:

  • $200,000 of dwelling coverage, $1,000 deductible, and $100,000 liability coverage: $1,228/year
  • $200,000 of dwelling coverage, $1,000 deductible, and $300,000 liability coverage: $1,244/year
  • $300,000 of dwelling coverage, $1,000 deductible, and $300,000 liability coverage: $1,737/year
  • $400,000 of dwelling coverage, $1,000 deductible, and $300,000 liability coverage: $2,252/year

What states have the lowest average cost of home insurance?

There are a few states that are very far below the national average as far as their average insurance rates. Check out the average rates below*:

  • Hawaii – $357/year
  • Vermont – $606/year
  • Idaho – $ 642/year

*Rates based off of a home with $200,000 of dwelling coverage, a $1,000 deductible, and $300,000 liability insurance.

What states have the highest average home insurance rates?

There are also some states with an average cost of home insurance that is higher than the national average…by quite a bit. Check out these average home insurance premiums*:

  • Oklahoma – $2,666/year
  • Louisiana – $3,011/year
  • Florida – $3,591/year

*Rates based off of a home with $200,000 of dwelling coverage, a $1,000 deductible, and $300,000 liability insurance.

What’s the average cost of home insurance in Georgia?

Since we’re in the Atlanta area, we have to see where Georgia stacks up with its home insurance rates.

Georgia actually doesn’t do too badly with its insurance rates. The average cost of home insurance in Georgia is $1,114, which is 10% below the national ranking of $1,244. Not too bad! Of course, the cost of home insurance in Georgia depends on a lot of factors, but this gives a general idea.

Why do some states have higher home insurance average rates than others?

So, why the difference in rates around the country? Why do some states get to enjoy low rates while others pay a lot of money for home insurance every year? It’s definitely not random or arbitrary. The reason that states like Florida, Louisiana, and Oklahoma see high rates is that there are many, many natural disasters that tend to befall them. Louisiana and Florida often get hit with hurricanes, and Oklahoma has a ton of tornadoes every year.

When they evaluate rates, insurance companies look at the ZIP Code and data from the area where the home is located. If there’s a high instance of weather-related events and claims, burglaries, or vandalism, for example, rates will probably be higher in those areas. The reason carriers look at the surrounding area and examine a lot of data about them is that they want to know how likely a home in that area is to experience a claim. If the data shows there’s a high risk of a claim, rates are going to be higher. If the data shows there’s a low instance of claims, rates will probably be lower.

What factors affect the cost of home insurance?

But of course, your rates aren’t determined just because of the state you live in. Insurance premiums are a little more specific than that. Like we said, insurance companies look at a lot of factors when they’re setting home insurance prices, and most of them are pretty specific to your house and your immediate area.

Here are some of the factors that can affect home insurance rates.

  • The material your home is constructed of
  • Reconstruction value of the home
  • Age of the home
  • Roof
  • Weather-related disasters in the area
  • The crime rate for your area
  • Your credit score
  • How close you are to a reliable fire station
  • Your limits of coverage
  • Your deductible
  • Home insurance discounts
  • Your claims history
  • Where the fire department is located

So, that’s what you need to know about the average cost of home insurance. Rates vary from ZIP Code to ZIP Code and from state to state. The best way to find out how much your home insurance will cost is to get a home insurance quote. And our agents would be happy to help with that. We can shop your rates so you can get multiple home insurance quotes, compare coverages and pricing, and save money. All you have to do to get started with your home insurance quotes is fill out our online form or give us a call today.

What does Atlanta home insurance cover?

Atlanta home insurance covers more than just the structure of your home.

Atlanta home insurance covers more than just the structure of your home.

There are a lot of perks to owning a home, but there’s also a lot of responsibility that comes along with it. (And we’re talking about more responsibility than figuring out how to decorate.) For example, you have to deal with home insurance. Your main question might be this – what does home insurance cover? We’re going to tackle that question and explain what your policy will cover.

What does Atlanta home insurance cover?

1. The home.

Okay, we know you’re rolling your eyes – it’s a no-brainer that Atlanta home insurance covers the home. We mean that home insurance covers the structure of the house itself – the dwelling. Home insurance will protect you financially if you’re ever struck by a covered loss, such as burglary, fire, vandalism, lightning, or hail. (Or falling trees.) It will pay for the necessary repairs resulting from covered losses. Now, it’s important to note that not all losses are covered. Flooding is usually excluded from home insurance policies, as are earthquakes and mold damage. You really have to read your policy thoroughly to see what is and is not covered.

Another question you might have is how much dwelling coverage do you need for your house. A good rule of thumb is to insure your home for its reconstruction value. The reconstruction value of your home is the cost of rebuilding your home from the ground up as if it was completely destroyed (for example, after a fire.) That means that you’re including clean-up and reconstruction expenses. It’s different than insuring your home for its market value or the value you bought it for.

2. Other structures on your property.

If you have structures like a detached garage, shed, or fence on your property, those will also most likely be covered by your home insurance. This also includes things like your driveway, your sidewalk, and your patio. Keep in mind that you need to check on the limit of coverage these “other structures” have. It might be something like 10% of the coverage you have for the structure of your house.

3. Personal belongings.

The contents of your home are also covered by your insurance. That means your furniture, your electronics, your clothes, and your other treasures are all protected under your insurance. The section of your insurance that covers your personal property will replace your belongings if they’re destroyed by a covered loss (i.e., fire or theft.) Your insurance should follow your belongings, so even if your possessions aren’t in your home when they’re stolen or destroyed they’ll be covered. So, if you had a whole bunch of stuff in your car and it gets stolen, they should be covered.

To find out how much coverage you need for your personal belongings, you can take a home inventory, which is basically just a list of all of your possessions and their value. Another perk of having a current home inventory is that it can help you when it comes to filing a home insurance claim (though we hope you won’t ever face a loss requiring a claim.) With a handy-dandy home inventory, you’ll know exactly what you need to claim. It’ll make the entire process easier.

Pro tip: Consider insuring your personal property for its replacement cost value. Replacement cost value will replace your possessions at today’s prices – it doesn’t take depreciation into account. Actual cash value coverage will only cover the value of your belongings at the time of the loss, which means their depreciated value. And that might not be enough to replace your belongings at today’s prices.

4. Loss of use coverage/Additional living expense coverage.

Let’s say that you experience a covered loss to your home and you have to move out. You have expenses that you wouldn’t normally have to maintain your family’s standard of living. Your home insurance can help you cover the cost of those extra expenses, such as hotel bills and restaurant bills. Your home insurance may have a certain limit for these extra expenses, so be sure to check on that.

5. Liability insurance.

Your liability insurance can help you if you or your family ever cause someone either bodily injury or property insurance and you have a legal responsibility to cover their expenses. It can also help you if they decide to sue. To illustrate, liability insurance would help you if a guest trips over an uneven section of your driveway, gets hurt, and decides to sue you.

You can also read your home insurance policy to find out about medical payments coverage. The person who was injured can submit their medical bills straight to your insurance company.

Pro tip: You can add liability coverage to protect your assets by purchasing a personal umbrella insurance policy.

Atlanta home insurance covers a lot more than just your house. Other structures, your belongings, your liability, and additional living expenses are also covered. We can’t say enough how important it is to read your policy carefully so you understand exactly what cool stuff it does and what is and isn’t covered. Arm yourself with knowledge.

Are you wanting to save money on your Atlanta home insurance? We would be happy to help you shop your rates so you can compare coverage options and pricing so you can get great coverage at a great rate. We can help you get the Atlanta home insurance you need to protect your home. Ready to get started with your home insurance quotes? You can fill out our quote form or give us a call today and we’ll be at your service.

What’s the Good Student Discount and how can it help me save on Atlanta teen auto insurance?

The Good Student Discount can help lower teen car insurance rates.

The Good Student Discount can help lower teen car insurance rates.

Discounts are great. Who doesn’t like to pay less money for something just because the powers that be decided it should be so? Whether it’s getting 25% off a new pair of jeans or 15% off a jar of peanut butter, saving money gives you that satisfied, fuzzy feeling. And you know what? That’s especially true for insurance. There’s a super cool discount for young drivers that can help them (or you as their parent/payer of bills) save money on Atlanta teen auto insurance. It’s called the Good Student Discount, and it’s offered by many different insurance carriers. It might sound too good to be true, but it’s a real thing! We’ll explain what you need to know about the Good Student Discount.

What’s the Good Student Discount?

So, here’s the thing about teen auto insurance rates:

It’s often really expensive to insure a teen driver or a young adult (early 20s.) There are a few reasons for this. Teenagers don’t exactly have a ton of experience driving. And teenagers tend to be just a little reckless (not all teenagers, of course, but enough of them.) They might not make the best decisions when it comes to driving, and as a result, their age group is involved in more accidents than any other – and this is especially true of young men. Age is one of those factors that influence car insurance rates.

But the thing about the Good Student Discount is that it rewards teens and young drivers who have gotten good grades by lowering their Georgia car insurance rates. “Good students” are seen as being less of a risk to insure because they’ve shown that they’re responsible and capable of making good choices. To an insurance company, an A or B student is more likely to be a safe, responsible driver who won’t engage in risky behavior than a student with lower grades. And a safe teen driver is less likely to have an accident and file a claim.

Basically, the Good Student Discount can help offset those high teen car insurance rates if you’re the proud parent of a smart cookie.

Does my teen or college student qualify for the discount?

The requirements to be eligible for the Good Student Discount depend on the carrier, but the following gives you a general idea of the possible requirements.

The student must:

  • Be under the age of 25.
  • Be enrolled as a full-time high school, college, or university student. (However, some carriers extend the discount even after college graduation.)
  • Have a 3.0 GPA or higher.
  • Have a score in the top 20% on the SAT, ACT, or PSAT.
  • Be an honor roll or Dean’s List student.

How do I get the Good Student Discount?

You’ll have to talk to your agent. They’re probably going to ask to see some proof of how amazing your kid is, so get ready to brag on your student! You may have to present one of the following as evidence of your teenager’s Good-Student-status:

  • A transcript or report card.
  • Test scores from a standardized exam.
  • A letter from the school administration.
  • A certificate for honor roll or Dean’s List.

You may also have to provide proof that your student is enrolled in the high school or university that they attend. If your student is home-schooled, you can provide a certification from a homeschool certifying agency, such as the state’s Department of Education.

One more thing:

You may have to continue to show that your student is still succeeding in school. Your agent might be in touch from time to time to ask for the latest report card or transcript so that they know your teen is still in good standing.

What are the savings from the Good Student Discount?

The specific discount amount or savings depends on your carrier. A general idea is that it could be somewhere between 5% and 20%. If your student makes good grades and they’re doing well in school, it’s definitely not a bad idea to investigate further and see if your carrier can help you save some money with this discount. Every little bit counts.

Are you looking for Atlanta car insurance quotes or trying to find out the best way to insure your student? We can help. We can help you get great coverage at a great rate. We enjoy making insurance as stress-free as possible and helping drivers save money on car insurance. All you have to do to get started with your car insurance quotes is fill out our online quote form or give us a call today.

Source:

https://www.nerdwallet.com/blog/insurance/good-grades-cheap-car-insurance/