How do I get Atlanta tow truck insurance quotes?

Get tow truck insurance quotes.

Get tow truck insurance quotes.

If you have a Georgia tow truck business, you’re probably wondering how to go about getting tow truck insurance. You know you need to get insurance, but you’re really not looking forward to it – there are a lot of tow truck insurance coverages to consider, and you’re worried that your insurance might be expensive. But first of all, what’s the best way to get quotes for tow truck insurance? We’re going to explain how to get Atlanta tow truck insurance quotes and why it’s so important for you to get multiple quotes.

How to get tow truck insurance quotes:

Are you a little worried that getting tow truck insurance quotes will be complicated or overwhelming? It doesn’t have to be – actually, it can be quite easy. We’ll explain how the quoting process works so you know what you’re getting yourself into.

1. You fill out our online quote form or give us a call.

The first step in getting tow truck insurance in Georgia is filling out our online quote form or giving us a call. This lets us know that you’re in the market for insurance. We have a team of tow truck insurance experts who can help you get quotes for your insurance – you just have to reach out to us.

2. One of our agents asks a few quick questions.

So, the next thing that happens is that one of our agents will ask a few quick questions to gather some general information about your business. We need to ask these questions so that we can get you the most accurate quote possible. But don’t worry – we’ll be quick and we won’t take too much of your time. We know that you’re busy – you have a tow truck business to run, after all. We like to make insurance easy.

3. We go get your tow truck insurance quotes.

Next comes the fun part – we go to the various carriers that we work with to collect some tow truck insurance quotes for you. We have relationships with many different insurance companies, so we can get competitive quotes and help you get the quality coverage you need. (Shopping around for tow truck insurance quotes can help you save money on your rates, by the way.)

4. We come back with your quotes.

We’ll go over your quotes with you and present your options. We’ll help you finalize your coverage and get everything squared away so you can hit the road with peace of mind. Our goal is to help you get great tow truck insurance at a great rate.

5. We’re here to help you with any insurance-related questions.

You can reach out to us any time with questions or issues pertaining to your insurance. You don’t have to go it alone. We’re available by phone, email, and LiveChat so you can get in touch in whatever manner is most convenient for you. Need to add a truck to your policy? Sure! Need to make an adjustment to your driver list? Not a problem. We’re here to take care of any concerns in a timely manner and with great customer service.

Why is it important to get tow truck insurance quotes?

Maybe you’re wondering why it’s important to bother with this entire process. Perhaps it feels like a bit of rigmarole. You might just be looking to get a ballpark estimate. However, the issue with “ballpark” estimates is that they tend not to be terribly accurate. There are a lot of factors that affect tow truck insurance rates, so rates vary a lot from business to business. The reason is that insurance companies need to find out how much of a risk you would be to insure and how likely you are to file a claim.

For example, things like your drivers’ MVRs, speeding tickets, your claims history, your location, your tow trucks, your towing radius, and so on can affect your rates. Thus, not every business is going to have the same rates – all of these details can play a part in your premium. Besides, every business needs different coverages and a customized insurance plan. Tow truck insurance plans aren’t exactly one-size-fits-all. You can’t go by a ballpark number because that number might not accurately reflect your business’s insurance needs.

So, that’s how you can get Georgia tow truck insurance quotes and why it’s important to get those quotes in the first place. Like we mentioned, getting started with those quotes is easy – all you have to do is fill out our online quote form or give us a call.

What you need to know about Georgia tow truck insurance

Here are some answers to some common Georgia tow truck insurance questions.

Here are some answers to some common Georgia tow truck insurance questions.

If you work with tow trucks in Georgia, you know that there’s a lot of adventure that goes along with towing cars. Which is exactly why there’s tow truck insurance – when accidents happen or things go wrong, having the right insurance can really save the day. So, you know that you need to get tow truck insurance, but there are plenty of questions that go along with it. We’re going to tackle five common tow truck insurance questions to shed some light on the strange thing that is Georgia tow truck insurance.

Do I need tow truck insurance?

There are a variety of businesses that could benefit from tow truck insurance. Basically, if your line of work involves a tow truck or a wrecker, you’ll probably need to consider getting specialized insurance that includes specific coverages to protect your vehicle.

Businesses that might need Georgia tow truck insurance include (but are not limited to):

  • Auto body shops
  • Roadside assistance businesses
  • Towing services
  • Repo companies

What insurance coverages do I need to tow cars?

As you can imagine, there are plenty of business insurance coverages to consider to protect your towing business. Some of the coverages towing businesses get include…

  • Auto liability insurance: Auto liability insurance can help cover your legal obligation to the other driver and their passengers if you’re at fault in an accident. It can help you if they decide to sue you.
    • Bodily injury liability: This part of auto liability insurance can help you cover the medical expenses, pain and suffering, and lost wages of those that you injure in a car accident.
    • Property damage liability: This part of auto liability insurance can help you cover the costs of repairing or replacing the property of others that you might damage in an accident – for example, the other driver’s car if you’re in an accident.
  • Physical damage insurance: This coverage can help you get your tow truck back on the road ASAP if it gets damaged. (Liability insurance won’t cover damages to your own tow truck.)
    • Collision insurance can help you repair or replace your tow truck if it’s damaged in an accident in which you’re at fault or if you otherwise collide with something.
    • Comprehensive insurance can help you repair or replace your tow truck if it’s damaged by something other than an accident, such as fire, theft, vandalism, and falling objects (i.e. trees).
  • On-hook/In-tow insurance: On-hook insurance can help protect you if one of your client’s cars is damaged while it’s attached to your tow truck.
  • Garagekeepers insurance: Garagekeepers can help protect you if you ever have care, custody, or control of your clients’ cars (for example, if you ever have to store them on your premises.) Examples of covered losses include fire, theft, and vandalism.
  • Garage liability insurance: Garage liability can protect you against claims of bodily injury or property damage arising from the day-to-day operation of your business and the services you provide.
  • Wrongful repo insurance: Wrongful repo insurance can protect you if you accidentally manage to repossess a car that you’re not supposed to.

How much does tow truck insurance cost?

You’re probably wondering how much Georgia tow truck insurance costs. The thing is that tow truck insurance rates depend on a lot of different factors. Insurance companies look at a lot of details about your business because they want to know how much of a risk you are to insure. (Businesses who present more risk will probably have higher rates.)

Some of the details that affect tow truck insurance rates are…

  • Your location
  • How long you’ve been in business
  • Your tow truck
  • Loss history/Claims
  • Tickets and traffic violations
  • The kind of towing you do
  • Your drivers and their MVRs
  • Your towing radius

How can I save money on tow truck insurance?

Another thing that you might be wondering about is how to save money on Georgia tow truck insurance. It’s important to emphasize safety at your towing business – this will help you avoid claims and therefore save money on towing insurance. The following can help you save money on your premium:

1. Have written workplace safety policies to outline driver behavior and safety expectation.

2. Have a pre-trip vehicle inspection procedure.

3. Have a thorough hiring process and hire safe drivers.

4. Conduct regular safety meetings with your employees.

5. Don’t forget to ask about tow truck insurance discounts.

6. Raise your deductible if you’re financially comfortable doing so.

7. Avoid filing minor claims against your insurance.

8. Get multiple quotes for tow truck insurance.

How do I get Georgia tow truck insurance quotes?

It’s important to get multiple tow truck insurance quotes so you can compare coverages and pricing. But how does one go about doing that? We’ll explain our quoting process.

1. You fill out our online quote form or give us a call.

2. Our agent gets some details about your tow truck business.

3. We go shopping and get you competitive quotes from different carriers.

4. We go over your insurance options with you and you decide which policy will work for you. Then we help finalize your coverage.

5. We’re here to answer any questions you may have and to assist with any insurance-related queries you may have.

So, those are the answers to several important tow truck insurance questions. If you need tow truck insurance quotes, we would be happy to help. Our tow truck insurance experts can help you get the business insurance coverage you need to protect your company from risks. We’re also pros at making insurance easy. To get started with your quotes, fill out our online quote form or give us a call today.

7 Atlanta home insurance questions: Am I covered?

You may have some home insurance questions.

You may have some home insurance questions.

When you’re getting Atlanta home insurance, you might have a lot of questions about what’s covered and what’s not covered. Home insurance doesn’t cover everything. (Which is why it’s important to read your home insurance policy carefully and comb through it with a fine-toothed comb.) Anyways, we’ve compiled a list of seven home insurance FAQs to give bite-sized answers to some common home insurance questions.

Atlanta home insurance questions

1. Am I covered if there is heavy rain and water seeps into my basement?

Flooding is not covered by home insurance. (And by flooding we mean a rapid and unusual accumulation of water on the ground where there is usually not water.) So, if your area is hit with some heavy rain and some water infiltrates your basement, creating a big soggy mess…unfortunately, it’s not covered.

You can, however, purchase a separate flood insurance policy, which can cover flooding and surface water from heavy rain. You can get flood insurance through an agent from the NFIP (National Flood Insurance Program) so that your house can be protected from flood-related losses.

2. If my sump pump fails, am I covered?

Home insurance policies usually exclude sewer backup and sump pump failure. However, you can add a sewer backup endorsement to your home insurance policy so that this kind of loss can be covered. (Sewer backup is not something that is very pleasant, so you may want to think about adding this coverage to your home insurance.)

3. Is my boat covered?

If boat theft occurs away from your residential property, no, the loss would not be covered by home insurance. You would need a boat insurance policy to cover the watercraft and any accessories you have for it.

4. If my neighbor’s tree falls through my fence and ruins it, does their insurance pay for it?

No. Your Atlanta home insurance, though, should cover the claim. If it’s your fence or your home that gets damaged by your neighbor’s tree, your home insurance would be the one paying the claim, not theirs. Now, if your tree fell through your neighbor’s fence, the neighbor’s home insurance would cover it.

(However, if your neighbor’s tree falls as a result of their negligence, it’s possible that your insurance company could subrogate against the neighbor’s home insurance company to get your deductible back.)

5. Do I really need to take a home inventory?

It’s definitely a good idea to take a home inventory (which is basically a list of all your belongings, room by room.) First of all, it’ll help you know that you have enough home insurance to cover all of your belongings. Your inventory will also help if you have to file a home insurance claim because you’ll know exactly what needs to be replaced. And you’ll also have a bit more proof for your insurance company that you’ve lost what you’ve said you’ve lost. (Insurance fraud is a big deal.)

6. If my iPod is stolen from my car, is it covered by home insurance or car insurance?

Well … neither.

Most home insurance and auto insurance policies specifically exclude sound transmitting equipment (yes, including iPods) that are used in cars. So, if your iPod or sound equipment gets swiped from your car…unfortunately you might be out of luck. (You may, however, be able to add extra coverage to cover this sort of loss, but you’d have to talk to your agent to find a solution.)

7. How much home insurance do I need?

Ideally, you should have enough Atlanta home insurance to completely rebuild your home from the ground up, cover all of your personal belongings, and cover your liability. When you’re getting home insurance, it’s important to make sure that your limits of coverage are high enough to fully protect you from a loss.

These are some common questions about home insurance with convenient answers in bite-sized form. As always, it’s important to read your home insurance policy carefully to find out what it will cover and how it will protect you. And ask questions if you need to – questions are great!

If you need Atlanta home insurance quotes, we can help. Our agents can get you multiple home insurance quotes all while making insurance as easy as possible. To get started with your quotes, fill out our online form or give us a call.

Decoding 7 different auto insurance coverages

There are many different auto insurance coverages.
There are many different auto insurance coverages.

The world of car insurance can seem very overwhelming and complicated. Insurance isn’t as simple as choosing a one-size-fits all policy. There are different coverages to think about as you’re getting insurance for your vehicle. But what do each of those coverages do? How can they help you and how to do they protect your bank account in the event of a loss or claim? We’re going to decode 7 different Atlanta insurance coverages for you.

Breaking down 7 auto insurance coverages.

1. Auto liability.

Okay, this one is really important as far as auto insurance coverages go. It’s the coverage that’s required by the state. Basically, it helps you cover the costs that you’re legally obligated to pay to another driver if you’re at fault in an accident. It can also help you cover legal expenses if you get sued.

There are different parts to auto liability insurance.

Bodily injury liability can help cover the medical expenses, pain and suffering, and lost wages of the other driver and their passengers if you’re at fault in a car accident. It can help you cover your legal obligations to them.

Property damage liability can help cover the damages to other peoples’ property if you damage it with your vehicle. For example, it can help cover the repairs or replacement of the other driver’s car if you get into a car accident. (Note that it will not cover the damages to your own vehicle.)

Pro tip: The minimum limits of liability insurance in Georgia are 25,000/50,000/25,000. That means that you would have $25,000 of bodily injury insurance per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability. (However, you might want to consider getting higher limits of coverage than the state minimum in order to protect yourself in case you ever get into a serious accident.)

2. Collision coverage.

Now, we mentioned that liability insurance won’t cover damages to your car if you’re at-fault in an accident. But that’s where collision coverage comes in – it can help you cover the repair or replacement of your own car if you’re in an accident or otherwise have a collision. (As far as auto insurance coverages go, this can help you protect your car.)

3. Comprehensive coverage.

Once again, liability coverage does not provide protection for your car. Comprehensive coverage can help you repair or replace your car if it’s damaged by something other than an accident. It covers losses like animal strikes, fire, vandalism, and falling objects (i.e. trees). It can even cover theft.

Pro tip: If you have a loan for your car, your lender or lienholder may require you to carry comprehensive and collision coverage.

4. Uninsured motorist/Underinsured motorist (UM/UIM).

Uninsured motorist and underinsured motorist coverage (UM/UIM) can help protect you financially if you are ever hit by a driver who does not have insurance (uninsured motorist) or who doesn’t have enough insurance to cover the total cost of the accident (underinsured motorist.)

Liability insurance is required by the state of Georgia, but not all drivers carry it. And some drivers might only have the minimum limits, which might not be enough to cover all the expenses resulting from a serious accident. That’s why you might want to consider UM/UIM when you’re thinking about auto insurance coverages.

5. Medical payments.

Medical payments coverage is a no-fault coverage that can help you cover your medical bills and the medical bills of your passengers following an accident.

6. Rental reimbursement coverage.

If you’re in a car accident, you might need to get a rental car while your own vehicle is in the shop being repaired. Rental reimbursement coverage can help you cover the expenses of renting a car while you’re waiting for your car to be fixed. It’s usually a fairly inexpensive coverage to add to your car insurance policy, but one that could come in handy. There will typically be a limit of coverage per day and per accident (for example, $30 per day and $900 per accident.)

7. Gap insurance.

Gap insurance can help you if you buy a new car and take out a loan. Since car values depreciate rapidly over time, you might find yourself owing more on your loan than your vehicle is actually worth. If you get into an accident, you might not get enough reimbursement from the insurance company to cover the balance of your loan. Gap insurance can help cover the difference.  

Those are seven auto insurance coverages decoded. When you’re getting Atlanta car insurance, it’s important to make sure that you have enough coverage to fully protect yourself in the event of an accident. It’s also important to evaluate whether you want your own vehicle to be covered by insurance (meaning that you would want to get collision and comprehensive coverage.) Anyways, hopefully these bite-sized explanations help to translate the strange language that is car insurance!

If you need to get car insurance quotes, we can help. Our agents can help you get multiple quotes for Atlanta car insurance so you can get the coverage you need. Getting started with quotes is easy – all you have to do is give us a call or fill out our online quote form.

Does Atlanta home insurance cover sewer backup?

You can add sewer backup coverage to your home insurance policy.
You can add sewer backup coverage to your home insurance policy.

Ugh. Something does not smell good. What could that be? As your nose informs your brain that something is definitely not right at your place, you start to fear the worse – that your sewer has backed up or your sump pump has failed. And now you have a big mess on your hands – a big, expensive mess. It’s going to take a lot of work to get everything cleaned up and back to the way it’s supposed to be. Now your question is this – does Atlanta home insurance cover sewer backup? We’ll explain. And we’ll also give you some tips for preventing this smelly problem in the first place.

Does home insurance cover water that’s backed up through the sewer?

Typically no. Atlanta home insurance won’t cover damages from water that’s backed up from a sewer or drain. It’s one of those things that’s usually excluded from most home insurance policies.

However, you can add an endorsement to your home insurance policy so that this sort of unfortunate occurrence can be covered. (An endorsement being an addition or alteration to your home insurance coverage.) For an additional premium, you can get an endorsement that will cover water backup from the sewer and sump pump discharge.

The endorsement can cover:

1. Water or waterborne materials that backs up through a sewer or through a drain.

2. Water or waterborne materials that overflows from a sump even if the overflow or backup is from a mechanical failure of the sump pump. (The coverage will typically include damage to covered property, but it may exclude the sump pump itself and related equipment that has broken down.)

So, that’s an easy way to get coverage for sewer backup so that if you’re every faced with a smelly, icky sewer-related situation you could be covered. This kind of claim can be very expensive to clean up, after all.

What is not covered by the sewer backup coverage endorsement?

There is an important caveat to this coverage. It will usually not cover losses that result from owner negligence, like forgetting to turn on the sump pump. It will also typically not cover damages covered by a flood. So, keep that in mind when you’re getting sewer backup coverage.

Tips to prevent sewer backup coverage.

So, while you can get coverage for sewer backup, you can also take steps to prevent this from happening in the first place. Plumbing is one of those things that we take for granted until something goes wrong. Check out the following tips that can help you prevent a sewer backup.

1. Don’t flush anything other than toilet paper down the toilet.

2. Don’t wash grease down the drain. Wait for the grease to cool and then throw it away with your regular garbage. (Grease can solidify as it cools, which can clog up pipes.)

3. Don’t wash oils down the drain – these can cause buildup in your pipes.

4. Remember that shrubs and trees can make their way into cracks in the sewer line. These cracks can allow debris to build up. If you keep having problems with tree roots, you might want to think about replacing your line with a plastic pipe.

5. Maintain your sewer system by having a trained, trustworthy professional give it a routine inspection.

What if I have water in my basement?

If you have water seeping into your basement, your problem might not be a sewer backup problem. It could be from poor soil grading around the exterior of your house. It’s really important to make sure that water drains away from the foundation of your house so that it doesn’t run straight into your basement, infiltrating your home and causing water damage.

So, that’s what you need to know about sewer backups and your home insurance. Sewer backup or sump pump failure is typically not covered by Atlanta home insurance, but you can add an endorsement for sewer backup coverage so that you can be protected against this type of loss. But it’s also important to take steps to prevent sewer backup in the first place. We often take our plumbing for granted, but sometimes things go wrong. And that’s where sewer backup coverage can save the day.

If you want to get quotes for your home insurance, we would be happy to help. Our team of insurance agents can help you get multiple quotes, and we’d be happy to talk about your coverage needs and answer your insurance questions. To get started with your quotes, fill out our online quote form or give us a call today.

What is gap insurance and do I need it for my car?

If you're buying a new car, you might want to consider gap insurance.

If you're buying a new car, you might want to consider gap insurance.Buying a car is probably one of the biggest purchases you’ve ever made or will make. It’s a pretty big deal. Beyond choosing which model and make you like – not to mention which paint color – you also have to think about which insurance coverages to choose for your new ride. One insurance coverage that might have you scratching your head is gap insurance. What is gap insurance? And, well, do you really need it? We’ll explain what you need to know about gap insurance.

What is gap insurance?

So, plenty of people think that if they’re in an accident, their car will be replaced for either the amount they paid for it or the amount they owe on the lease. But that’s not quite the case. The vehicle will be likely be replaced for what it was worth at the time of the accident or total loss.

And a new car’s value depreciates quickly (depending on the vehicle), and the value drops by quite a lot the second you drive off the lot. That means that if you’re in an accident a short time after getting the vehicle and the car is totaled, you might find yourself in the rather awkward situation of owing more money on the loan than the car was worth at the time of the accident.

That’s where gap insurance comes in. (It’s “real” name is guaranteed asset protection, but it so happens that the acronym is quite apt.) It’s an optional auto insurance coverage that can protect you if you owe more on the vehicle than the vehicle is worth at the time it was totaled. It will help you cover the difference between what the car is worth and what you owe on your loan. It covers the gap – get it?

Gap insurance can protect you financially.

Pro tip: If you’re taking out a loan on a car, your lender might require you to have collision and comprehensive insurance.

Here’s an example.

Let’s say you take out a $30,000 loan to buy a car (we’re assuming the vehicle costs $30,000.) After a year, the car is worth $24,000. But you still owe $27,000 on the loan.

So, these are the circumstances when you accidentally total your new ride.

You’ll come up $3,000 short when it comes to the balance on your loan, but gap insurance could step in and cover that amount. And then that $3,000 won’t be coming out of your own pocket.

Do I need gap insurance?

There are a few situations in which you might want to think about getting gap insurance to protect yourself against being “upside-down” (meaning you owe more on your loan than the vehicle is worth.)

If any of the following apply to you, you might want to give gap insurance some thought:

  • You took a zero percent down payment option.
  • You put a small amount down on the vehicle.
  • Your loan will last beyond three years.

In any of these scenarios, you could find yourself owing more on your loan than your vehicle is actually worth if it’s totaled.

What if I’m buying a used vehicle?

If you’ve decided to buy a used vehicle, you will most likely not be able to get gap insurance. It’s typically for new vehicles. However, you can cover your risk by making a sufficient down payment on the car and financing the vehicle for the shortest timeframe possible.

Do I need gap insurance if I leased my vehicle?

If you’re planning on leasing a vehicle, gap insurance is often considered crucial because there is no trade-in and little cash to put down on the vehicle to lease it. You could end up owing the difference between what you’ve paid and what you still owe on the balance of the lease if the car is totaled, just like if you bought a new vehicle.

So, it’s definitely something to think about.

How much does gap insurance cost?

Gap insurance is usually available for a nominal fee. It’s not super expensive considering the added protection it gives you for your new vehicle.

Pro tip: Don’t forget to ask your agent about car insurance discounts to save money on your auto insurance premium.

So, that’s the deal about gap insurance. It’s designed to protect you when you buy a new car and could potentially owe more on your loan than your vehicle is worth. If you’re buying or leasing a car, you might want to give some thought to adding gap insurance to your car insurance plan.

And if you’re buying a new car, we can help you get the insurance you need. We know that car insurance can get overwhelming, which is why our goal is to make car insurance as easy as possible. We can help you get quotes for your car insurance, and all you have to do to get started is fill out our online quote form or give us a call today.

5 reasons auto insurance premiums are rising

Auto insurance premiums have been rising lately.

Auto insurance premiums have been rising lately.

Over the past few years, the auto insurance market has been hardening. Policyholders have noticed this in the form of increased car insurance premiums (or expensive auto insurance premiums.) From about 2011 to 2016, insurers were competing against each other, and this competition led to a soft market in which car insurance prices were lower. However, carriers are now either leaving the market or raising their rates to make a profit and stay in business. This can be attributed to several different factors, which all contribute to the trend of rising auto insurance premiums.

5 factors that have caused car insurance prices to rise.

More people are driving…and they’re driving more.

There are a lot more drivers on the road due to low gas prices and strong employment rates, and those drivers are putting a lot of miles on their cars. However, that also means there are more accidents (more cars on the road means more traffic and more crashes.) This means that the average driver has a higher chance of being in a wreck when they drive. (There are also more accidents due to an increase in unsafe driving habits on the roads, such as distracted driving.)

And those claims have to be paid for – by insurance. And insurers can’t necessarily sustain those kinds of losses and payouts, so they’ve had to pass off some of the expense to policyholders in the form of higher premiums.

Accidents are more severe.

Accidents have also become more severe, meaning that the average cost of a claim has gone up. This increase in accident severity has happened because the cost of medical care is going up. Also, the costs of auto repair have been going up, as has the cost of auto parts. The technologies in newer vehicles are expensive, and on the repair end, it requires special equipment and training for the professionals who are working on the vehicles. All of these things contribute to larger claims and a bigger “fallout” from accidents. Simply put, accidents are costing more. And that means insurers are charging higher insurance rates because of the increased risk.

Lots of motorists are uninsured.

Many motorists do not carry enough insurance – or any insurance at all. And when they cause an accident, it’s the insured driver’s underinsured/uninsured motorist coverage that will pay out for the damage. But these claims have been going up by quite a bit recently too, so that means that premiums have also been increasing. Insured drivers are paying more to offset the trend of increased uninsured motorist claims.

Autonomous vehicles.

Self-driving cars are a trend that is soon to be upon us, and that means that insurers are going to have to learn how to cope with the changes autonomous vehicles will bring to the car insurance industry. The prediction is that self-driving cars will lower accident frequency and make the roads safer, leading to fewer claims (and thus lower auto insurance premiums.) It’s also predicted that the car insurance market will shrink. Insurers are seeing these trends and predictions and they’re trying to get ready for the inevitable change to come, so they are gradually raising rates to compensate for the future when rates could drop by a lot and the personal car insurance market will decrease.

Insurance fraud.

Insurance fraud is yet another factor that has contributed to rising auto insurance premiums. Whether it’s staged accidents or faking an injury to pin the blame on a third party (and collect the insurance money), insurance fraud is always a concern within the industry. It costs the country billions every year. And once again, this cost is transferred to the policyholders.

How policyholders can manage their rates.

Even though these trends are happening and they’re causing car insurance premiums to go up, there are a few things that policyholders can do to keep their rates down and offset the price increase. They can:

  • Raise their deductible if they are financially comfortable doing so.
  • Maintain a good driving record by driving safely. (Tickets and accidents can cause rates to go up.)
  • Choose a safe vehicle to drive.
  • Consider bundling their home and auto insurance.
  • Explore the car insurance discount options available to them.
  • Work on improving their credit score.
  • Get multiple quotes for car insurance.

Even though car insurance rates have been rising, we can help you get the coverage you need to protect yourself financially at a great rate. Our agents can help you get multiple quotes so you have options to choose from, and we’ll make the insurance process as easy as possible. You can get in touch with us by filling out our online quote form or giving us a call today.

7 things you need to know about Atlanta flood insurance

Here are some facts to know about Atlanta flood insurance.

Here are some facts to know about Atlanta flood insurance.

Water is necessary for life, of course, but when it gets into your home it’s suddenly less about giving life and more about causing destruction. Water doesn’t have much regard for property or non-waterproof things that are in its way when it decides to flood. But that’s exactly why Atlanta flood insurance exists – to help the homeowner recover from a flood-related loss. What exactly is flood insurance and what does it do? We’re going to explain 7 things you need to know about flood insurance.

7 things you need to know about flood insurance.

1. First things first – home insurance and renters’ insurance does not cover flooding.

Many homeowners only find this out too late – meaning after their home is underwater. Plenty of people assume that flooding is covered by Atlanta home insurance or renters insurance, but it’s not. Flooding is the most common – and most expensive – natural disaster in the United States, which is why it’s important to consider protecting your home with flood insurance. The damage from just one inch of floodwater can be over $20,000.

(Keep in mind that the insurance definition of flooding boils down to this: there’s a lot of water on the ground where there usually isn’t water and it infiltrates homes.)

2. You have to get flood insurance through the NFIP through an agent.

To get Atlanta flood insurance, you will most likely have to go through an agent and purchase a policy from the National Flood Insurance Program, or NFIP. You can discuss your insurance needs with the agent to make sure that you have enough coverage to protect both your house and your belongings.

3. The price is the price.

Okay, here’s what we mean by that:

Since you’re purchasing insurance from the NFIP, the price is not going to chance from agent to agent, or from agency to agency. You may have heard that it’s important to shop around and get multiple quotes for insurance, and usually that’s great advice. But when you’re getting flood insurance, you’ll get a quote and that’s what the price tag is. (So, in a way it’s a little less work!)

4. There’s usually a 30-day waiting period with few exceptions.

This one is extremely important:

Your policy won’t go into effect until 30 days after you purchase it. Lots of people have a bit of panic when there’s a big storm in the forecast and a lot of rain is predicted (like during hurricane season.) But if a huge storm is going to strike in a week, your brand new flood insurance policy isn’t going to help you much. You’ve got to wait out the 30 days.

There are a few exceptions – and we mean a few. One possible exception is if you need flood insurance to get a mortgage loan, extend a mortgage loan, increase a mortgage loan, or renew a mortgage loan.

Bottom line is this: be sure to talk to your agent about when your policy is going to take effect.

5. You have to pay all in one go.

Unlike other lines of insurance coverage, such as auto insurance, you have to pay for a year of flood insurance upfront in one installment. That’s just the way it works.

6. You can get flood insurance even if you’re not in a “high-risk” flooding area.

Even if you’re not in an area that’s considered “high-risk” for flooding, you can still purchase flood insurance. It’s not exclusively for those folks who live in flood-prone areas.

And check out this stat: FEMA (Federal Emergency Management Agency) states that more than 20% of all flood-related claims come from homes that are in areas considered to be low or medium-risk for flooding.

You can get flood insurance from the NFIP as long as your community participates in the NFIP. More than 22,000 communities nationwide participate, so chances are pretty good that you won’t have any problems finding a flood insurance policy.

7. If you’re not in a high-risk flood area, you might be able to get a preferred risk policy.

If your home isn’t in a high-risk area, you might qualify for a fancy flood insurance policy called a preferred risk policy. Basically, it acknowledges that you’re not a high risk for flooding, so the policy might be less expensive. If you’re in a low or medium-risk flood area but you want to get flood insurance for those just-in-case scenarios, ask your agent about a preferred risk policy.

So, there you have it – seven things you need to know about Atlanta flood insurance. If you’re interested in getting a flood insurance policy to protect your home, we would be happy to help. Our team of insurance agents can assist with getting quotes and helping you get the coverage that you need. To get in touch with us, you just have to fill out our online quote form or give us a call.


11 tips for holiday decorating safety (and avoiding home insurance claims)

Make sure to avoid fire hazards when you decorate for the holidays.

Make sure to avoid fire hazards when you put up holiday decorations.

If you’re gearing up for the holidays, you’re probably already scheming how you want to decorate your Atlanta home. You’re thinking lights. You’re thinking lawn decorations. You’re thinking festive holiday cheer. It’s all starting to take form. But the thing is that holiday decorations can go horribly awry. We’ve got 11 holiday decorating safety tips to help you avoid a catastrophe – and a potential home insurance claim. Don’t let an unexpected fire ruin your holiday cheer.

Tips for holiday decorating safety

1. Check all your lights before using them.

Whether you’ve bought new lights or you’re pulling your tried and true set out of the attic, make sure to check all the strings of lights. Look for cracking in the cord, broken cords, fraying, exposed wires, and loose connections. Get rid of any lights that could be unsafe. (This can help you prevent electrical fires.) You definitely don’t want an electrical fire to get in the way of the holidays.

2. Follow all instructions for electrical decorations.

Yes, instructions aren’t super fun to read. But it’s important to follow all the proper directions for using and installing your decorations. Just do what the manufacturer tells you to – improvisation is not a great strategy when electricity is involved.

3. Don’t connect too many lights to a single extension cord.

Don’t put more than three sets of lights on a single extension cord. You could overload it. These things are only designed to take so much strain.

4. Check for the UL testing label on all decorations.

Make sure the decorations have a label certifying that they’ve been tested by the UL (Underwriters Laboratory) – this is a consumer product testing laboratory that makes sure various products are safe for use.

5. Be careful with your outdoor lighting.

If you’re plugging in lights outside, make sure that you’re only using GFCI (ground fault circuit interrupting) outlets. These are designed to protect the outlet from exposure to water. (Remember – water and electricity do NOT mix.)

Also, don’t use staples or nails on your outdoor lighting cords. While you want the lights to be secured to something stable so that they won’t sustain wind damage, it’s probably not a great idea to stab them with metal things.

6. Watch your indoor extension cords.

If you’ve got extension cords inside the house, avoid putting them under furniture, rugs, and so on. These things can cause the cords to get really hot, and that can lead to problems of the fiery variety.

(On a bit of a side note, getting Atlanta home insurance means that you can protect yourself financially in the event of a fire or another loss. Need some help getting quotes? Just give us a call or fill out our online quote form and we’ll be happy to help you find the coverage that’s right for you.)

7. Set your tree up carefully.

First of all, use a sturdy tree stand to keep your tree standing. Anchor it to the wall or ceiling with guy wires if you have to. (Curious pets do love to climb on trees…potentially causing them to crash to the ground.)

And think about where you’re putting the tree. It needs to be at least three feet away (preferably farther) from anything that could produce heat. Think about it – trees are wood and needles. And wood burns. Yup. Make sure your tree isn’t going to go up in flames.

If you’re going the artificial tree route, make sure that it’s made out of a fire-resistant material.

8. Be careful with your ornaments and decorations.

It’s a good idea to make sure all ornaments or decorations are made of flame-resistant material. If you have kids or pets, you probably don’t want ornaments that could break into sharp pieces that could slice someone. You also probably don’t want to have ornaments that are small or are made of small parts, as these present a choking hazard. Be mindful of what you’re putting up around the house and what tiny fingers or paws could reach and eat and/or destroy.

9. Unplug lights before bed or leaving the house.

Yes, your lights look beautiful at night when it gets dark. But turn them off before you head to bed or before you leave the house. You don’t want any fires to start while you’re either sleeping or not at home. It’s best that you’re at home and alert when your lights are lit because you’ll be able to notice any problems with the lights or outlets sooner rather than later.

10. Don’t put the wrapping paper near the fire or other heat sources.

Presents are exciting. But make sure that you don’t let the wrapping paper get too close to the fireplace or any heat sources. Paper is made of trees, and as we’ve established, trees are flammable.

Also, don’t burn wrapping paper in the fireplace or in a bonfire. That’s just not a great idea. It’ll probably get a bit more out-of-hand than you were hoping it would.

11. Only keep your tree for two weeks.

While you might want to keep your tree up forever – it’s so pretty! – it’s best to only have it for about two weeks. If you keep it longer than that, it’s going to dry out a lot. And a dry tree is way more flammable than a fresh tree. Unfortunately, trees just don’t last that long when you keep them inside.

The holidays are a great time of year, but it’s important to decorate safely. Get into the holiday spirit safely to avoid having the joy and cheer interrupted by a fire or accident. (And, as a general rule, it’s also a good idea to avoid a home insurance claim.) Anyways, stay safe this holiday season!

If you’re looking for home insurance quotes, we can help. Our agents can help you get multiple quotes so you can compare rates and save on your Atlanta home insurance. You can get started with your quotes by filling out our online quote form or giving us a call today.


10 tips to prepare your car for another Atlanta winter

It's important to get your car ready for the winter weather.

It's important to get your car ready for the winter weather.

Okay, it’s true that Atlanta isn’t the coldest or most severe climate in the country as far as winters go. However, our winters can still get pretty cold. We even occasionally see snow! (Or, well, flurries.) Anyways, the point is that when a “winter weather event” swoops in, it can happen with little warning. That’s why it’s important to take steps now to get your vehicle ready for the winter. Check out these ten steps to get your car all set for the cold.

Preparing your car for the winter

1. Take your car to the mechanic.

Yes, going to the mechanic might not be your favorite thing to do. But they’re the pros, and they can check the following things:

  • The battery
  • The antifreeze
  • The thermostat
  • The brakes (Kind of important, right?)
  • The heating system (So you don’t turn into a popsicle while you’re on the road)
  • The defroster (Since having a clear windshield is helpful for driving)

So, get a trustworthy, reputable mechanic to give your car a quick check-up. The cold weather can do weird things to a vehicle, and you can hit the road with more confidence knowing your car is (hopefully) ready to take it.

2. Make sure your tires have the proper tread depth.

If your tires look like they’ve seen better days, it might be time for new ones. Your tire tread depth needs to be at a safe level so that the tire can grip the road properly (which is especially important in winter, when it rains a lot.) Bald tires plus winter does not equal a safe ride.

3. Check your tire pressure.

Winter weather can wreak havoc on your tire pressure. It can actually cause the pressure to drop, meaning that you might need to add a little bit of air. Make sure to keep an eye on your tire pressure and pay attention to your tire pressure light.

4. Check the car’s lights.

Do a check of your vehicle’s lights. That means headlights, taillights, brake lights, hazard lights…Basically, just check all the lights and make sure they work and no bulbs are out. All of your lights need to be fully functional so that other drivers can see you. You’ve probably noticed that Daylight Saving Time and winter means it’s getting darker a lot earlier these days. You’ll probably need your headlights more in the winter, and you’ll need other drivers to be able to see you.

5. Think about your windshield wiper fluid and wiper blades.

You can also consider swapping your windshield wiper fluid for on that’s specially designed for winter and its freezing temperatures. (Normal wiper fluid can actually freeze when the temperature takes a nosedive.)

6. Consider your wiper blades.

Yes, it might not snow too often in Atlanta, but we do get frost and ice. You might want to think about switching your wiper blades for winter ones that are made to combat snow and ice. Being stuck with snow, frost, or ice on your windshield can make for a frazzled morning if you’re trying to defrost your car and you’re running late for work.

7. Check your windshield washing system.

It’s really not fun to drive with a dirty, grimy windshield that you can’t see through very well, especially when the sun hits it just right and plays tricks on your visibility and eyes. Make sure your windshield washing system is ready to go so that you can clear off your windshield if needed.

8. Pack an emergency kit for your car.

Just in case you get stuck somewhere or your car breaks down, it’s a good idea to have an “emergency kit” packed and loaded in the truck. Include items like:

  • Blankets
  • Extra clothes and sweaters
  • Nonperishable snacks
  • Water
  • Flashlights and batteries
  • A first aid kit
  • A snow/ice scraper (Yes, this is a useful item to have even in Atlanta.)

9. And don’t forget to clean the car off before you drive.

If there ever is snow or ice and it coats your car in white powder, make sure to take the time to brush it off and clean off the car. Clear the windshield, the hood, the roof, your headlights, and your taillights. It might be cold and it might take a little while, but it’s safer to plan to spend those few extra minutes than to have your visibility obstructed.

10. Check your auto insurance.

Okay, okay, we don’t want to sound pessimistic…but if you do have a little snafu with the car, it’s important to know what your Atlanta car insurance will cover. Check your limits of car insurance and your coverages so you know how your insurance will protect you. What are your limits of liability insurance? Do you have collision and comprehensive coverage? What’s your deductible? Are you prepared for what the winter could bring?

Another winter is upon us, which means that it’s time to make sure that your car is ready for the cold weather and the possibility of snow. Yes, even in the South it’s important to make sure your car is winter-ready and safe for the entire season.

Looking for car insurance quotes? We can help. Our agents are here to help you get multiple quotes for Atlanta car insurance so you can look at different coverage options and prices. Get started with your quotes by filling out our online form or giving us a call today.