Atlanta Flood Insurance: Is This Something You Have for Your Home?

atlanta flood insurance

You may not live near a large body of water being in Atlanta. On the other hand, you still need to make sure you have flood insurance. Even if you are a long way from the Georgia coast, a severe storm can easily put an inch of water on the floor of your house. And, if that is the case, then the entire foundation of your home could be damaged. Therefore, you need to have flood insurance.

But is this something that is usually included in your home insurance coverage?

Read moreAtlanta Flood Insurance: Is This Something You Have for Your Home?

High Value Insurance Policies Offer Greater Protection for Atlanta Homes

Insuring High-Value Homes in Atlanta

Most homeowners are not comfortable taking the risk of a fire or severe weather damaging their home, so they purchase Atlanta home insurance to protect their investment. If you own a high-value home, you need a more robust policy to make sure you receive reimbursement for damage when you need it the most.

Read moreHigh Value Insurance Policies Offer Greater Protection for Atlanta Homes

How To Prepare for a Home Insurance Inspection

atlanta home insurance inspection

If you have recently purchased a new home and are in need of Home Insurance, one of the first questions that you need to answer is how much insurance you require. Usually, people target home insurance based on the amount of money they recently paid for their new home. On the other hand, this policy is not going to be adequate. Their home is likely going to increase in value in the future, meaning that their current policy might not provide enough protection to rebuild the home in the event of a disaster. Furthermore, individuals also have to make sure home insurance protects the belongings inside the home in addition to the home itself. On the other hand, homeowners can also request a home inspection from their insurance company to determine the right value of the home and how much Atlanta insurance they require.

What Are the Benefits of a Home Insurance Inspection?

There are a few significant benefits of a home insurance inspection. These include:

  • A home insurance inspection can help homeowners identify risks that could lead to property damage or safety issues, allowing homeowners to address them and prevent claims from being filed
  • A home insurance inspection can help homeowners identify areas of their home that might qualify for a discount on their home insurance premiums 
  • Finally, a home insurance inspection will make sure that people get the right amount of home insurance for their home

Therefore, it is important for homeowners to prepare adequately for an upcoming home inspection for Atlanta insurance.

Preparing for a Home Insurance Inspection

It is important for all homeowners to make sure they are ready for an upcoming home inspection. Some of the most important points to keep in mind include:

  • Homeowners need to make sure they have proper documentation showing the correct square footage of their property
  • If there is any interior design work that has been done (or will be done in the future), homeowners should prepare documentation regarding the costs of these renovations 
  • Because homeowners can get discounts on their home insurance premiums for a security system, homeowners should provide documentation regarding their alarm system and other security features
  • Homeowners should also provide information regarding water damage prevention systems, such as water sensors, as these could also help homeowners qualify for a discount on their home insurance premiums
  • If there are any updates that have taken place to the plumbing, electrical system, Windows, heating, or roof recently, documentation of these should be provided as well

Homeowners should also make sure that their house is tidy. The living environment should be free of fire hazards and possible trip hazards must be removed. Also, make sure the staircases have guardrails. These safety measures can help homeowners save money on their home insurance costs.

Conduct a Home Insurance Inspection To Get the Right Policy

These are a few of the most important points that homeowners need to keep in mind when they are getting ready for a home insurance inspection. It is critical for homeowners to make sure they get enough home insurance coverage without paying for something they do not need. Contact our team at AtlantaInsurance.com today to learn more about how we can help you!

Tips for Buying Home Insurance in Atlanta

atlanta home insurance

Your home and belongings are valuable, and protecting them with insurance makes it possible for you to repair the damage, replace needed items, and get on with your life in the event of a disaster.

However, not all forms of insurance are created equal. Read on to get to know the primary home insurance options to ensure you’re buying the policy that best suits your needs.

“Basic Form” Coverage

“Basic Form” coverage is typically the most affordable form of home insurance; however, as the name implies, it’s also very limited. Any type of disaster or event that is not specifically listed in your coverage isn’t covered by your insurance policy.

There are two main forms of basic coverage. These are HO1 and HO2. An HO2 insurance policy offers more protection than HO1 coverage; even so, it doesn’t cover your belongings or medical bills incurred by yourself or others in the event of an accident or disaster.

“Open Peril” Policies

An open peril policy covers all types of disasters and mishaps unless these disasters and mishaps are specifically excluded from your policy.  This form of coverage is in order if you want full protection for your home, grounds, and belongings.

HO3 and HO5 insurance policies are both open peril policies. HO3 is perhaps the most popular option on the market as it’s reasonably priced and offers ample coverage for your home, other structures on the property, personal liability, medical payments to third parties, and more. However, an HO3 policy isn’t comprehensive. If you want total coverage, you’ll find that an HO5 policy is your best bet. An HO5 insurance policy covers literally everything; what’s more, it will compensate damaged belongings at replacement value, which means you’re covered for the current cost of buying a replacement item no matter how much the original item cost.

Specialized Insurance Options

There are also several specialized forms of coverage you’ll want to know about. These are:

  • Renter’s insurance. Renter’s insurance, or HO4 home insurance policies, are designed for those who rent rather than own their own home. Renter’s insurance covers your belongings and the cost of having to stay at a hotel if the home is damaged due to a natural disaster or some other unforeseen event. Renter’s insurance also provides personal liability coverage.
  • Condo insurance, or HO6 policies, are specifically made to meet the needs of condo owners. An HO6 policy covers all your belongings plus the ceiling, walls, and floors in your condo.
  • Mobile Home insurance, also known as HO7 insurance, covers mobile homes, manufactured homes, and trailers. You can buy either a basic or open perils policy.
  • Older home insurance, aka HO8 policies, are designed for homes that are over 40 years old. This form of coverage is similar to HO3 insurance but takes into account that an older home may not meet the same structural standards as a relatively new home.

As an Atlanta homeowner, you’ll find that there is no one form of insurance that is inherently better than all others. Rather, you’ll need to consider your personal circumstances, budget, location of your home, the value of your personal belongings, and other factors to determine which form of insurance is right for you personally. However, bear in mind that buying home insurance isn’t a one-time decision. You’ll want to evaluate your policy every year to ensure it still meets your needs. Changes in lifestyle, home structure, and the purchase of new belongings may require you to either update your policy or buy a new one altogether.

Atlanta Insurance offers a wide range of home insurance options at various price points to suit your needs and budget. Get in touch with us today to learn more about your options or to get the coverage you need at the best possible price.

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Celebrating Thanksgiving 2020 during COVID-19

Thanksgiving 2020

Thanksgiving 2020

This year has been a ride – online school for the kids, remote work for the grown-ups, quarantine. All of us have been struggling to find a bit of normalcy in all of the chaos that has been swirling around us. One way you might want to keep things normal is celebrating Thanksgiving 2020 with your family as you normally would. But how can you celebrate in a COVID-safe way? We’ll go over some of the CDC’s low and moderate risk activities … as well as some activities that you probably should avoid, as they’re high-risk. 

Read moreCelebrating Thanksgiving 2020 during COVID-19

4 reasons to get an Atlanta home insurance quote

Get Atlanta home insurance quote

Get Atlanta home insurance quote

Yes, we know. Getting home insurance quotes might not sound like the most thrilling thing in the world. You might be dreading the prospect of reaching out to an insurance agency for a home insurance quote because it seems overwhelming and time-consuming. But that’s just the reason why our team is committed to making insurance easy. There are plenty of reasons why you should get an Atlanta home insurance quote – we’ll go over a few of them. 

4 reasons to get an Atlanta home insurance quote. 

1. Your insurance situation could have changed. 

It’s a good idea to get insurance quotes because your home insurance situation could have changed since the last time you got quotes. And that means you might have different options than you did in the past. You never know – it doesn’t hurt to explore the different choices that are out there. Just like with any big purchase, you want to do your research and see what’s available to you. And it’s also really important to make sure that your insurance still suits your needs. 

2. You could save money on your home insurance. 

If you get a home insurance quote, you might be able to get a better rate. If you never take the time to explore the options that are out there, you might never know if you could save money. Who doesn’t like paying less for their insurance? (Yes that’s a rhetorical question, because the answer is no one.) Insurance is something that’s important and necessary, but that doesn’t mean you have to shell out a small fortune to pay for it. 

3. You can consider bundling. 

You can also consider bundling your home and auto insurance. (That’s pretty much when you get multiple lines of coverage from the same insurance company.) Not only is it convenient to have just one insurance company to deal with, but a lot of insurance companies offer a discount to people who bundle their home insurance and auto insurance. If you’re already getting quotes for your home insurance, why not find out about bundling your home and auto? You could get some great savings. 

4. Getting quotes is easy when you work with our team. 

Like we mentioned earlier, our team makes getting home insurance quotes as easy as possible. That way you don’t have to stress about it. Here’s how our process works:

You let us know that you’re looking for home insurance quotes. First you have to let us know that you need home insurance. We have an online quote form, but you can call us or message us, too. 

We’ll chat with you about your insurance. We’ll have a quick talk with you about your insurance situation. 

We’ll get your quotes. The next thing that happens is we’ll go get some home insurance quotes for you. We want to help you find the best fit for your insurance. 

We’ll answer any questions that you have. We get that insurance is complicated, so we’ll answer any questions you might have about your coverage. We’ll go over your quotes with you. 

We’ll be here to help. Our team will be here to take care of any questions or concerns you might have about your coverage. You can reach out any time and we’d be happy to address any issues that you might encounter. 

Get Atlanta home insurance quotes.

So, those are four reasons to get an Atlanta home insurance quote. It’s important to look into different options if you have gotten quotes for a while. You could stand to save some money, and you might decide to bundle your home and auto insurance if that’s the right choice for you. And our team is really good at making insurance easy. Get started with your quotes by filling out our online form, giving us a call, or messaging us. 

Keeping your spirits up during COVID-19 times

COVID-19 a

COVID-19 a

We’ve, of course, been dealing with COVID-19 for a long time, and it has been difficult. It is a very easy thing to get frustrated and downcast during this time when everything feels upside-down and we don’t know when it’s going to end. Everyone is feeling overwhelmed. We could all use a boost and a reminder to stay positive. Here are a few things that could help raise your spirits.

Keeping your spirits up during COVID-19

1. Having family time.

Maybe at the beginning of quarantine you spent a lot of time with family. But now, perhaps, everyone’s gone their separate ways. The kids have online school, the grown-ups have work (maybe work from home, but still – work). Yeah, life is busy and there’s a lot of juggling, but try to schedule in family time. Play games, have movie night, take the time to have meals together. Yes, everyone needs alone time, but it’s also important to have some companionship and to relax and have fun together. Pick a fun family activity.

2. Communicate with people.

Humans are social beings. We need to have social interactions and spend time with each other. It can help you feel like things are slightly more normal. So, wear a mask so you can chat with your neighbors or plan safe, socially distanced get-togethers with friends. Or use technology like video chats and Zoom to stay in touch with people. Just try to set up some sort of social time in a way that’s COVID-safe. You can really give yourself a boost just by having a nice chat. It can help you feel less isolated.

COVID-19 b

3. Take care of yourself.

It’s also really important to take care of yourself. You might feel like you’ve got a ton on your plate, and maybe you’ve been putting yourself at the bottom of your priority list. The kids have online school, you’ve got work, then there’s just the every day tasks to keep the house running. (Cooking, laundry, cleaning, going to the store in COVID-19 times.) But you’ve got to take some time for you. If you take some time to do the things you enjoy and/or self-care, you’ll be better able to care for your family and handle the day-to-day demands of life. You need to be sure that you’re being good to yourself and taking care of you, too.

4. Remember that people are still doing good things for each other.

In times of great struggle, there are people who will step up to the plate. There are still good people who want to help each other and want to alleviate the struggles happening to others. Just knowing that there are still good things happening can be a real morale boost.

5. Figure out what activities are calming to you.

You can also do some experimenting to find out what helps you feel relaxed and calm. Maybe you enjoy going for walks. Or maybe you like to paint or doodle or bake. The point is try to find something that takes your mind off things and gives you some peace. That way you can have some time to relax and have time away from the things that are stressful or overwhelming.

6. Save money on your insurance.

Here’s something that can help you lift your spirits – saving money. The present times have put a lot of financial strain on people, and you’re probably keeping a very close eye on your bank account. Insurance is one of those things that you might not want to think about – we get it. But we want to help you save money on the coverages you need, whether that’s home insurance, auto insurance, or renters insurance. Our goal is to make insurance easy and stress-free so that you can look at different options and see what savings could be out there for you.

It’s really important to find ways to keep your spirits up during this COVID-19 time. You can incorporate family time into your schedule, and you can try to have some more communication with people (in a safe, socially-distanced way). Don’t forget to take care of yourself during this time. Find out what sort of things help you relax. This has been a tough year, so take some time to figure out what can help you through it.

Get home insurance quotes.

As we mentioned above, we would be happy to help you save money on your home insurance or on your auto insurance. You can get in touch with our team by filling out our online form, giving us a call, or messaging us on LiveChat. Then we can help you with your Atlanta home insurance quotes and help you on that mission to save money.

Source:

https://www.forbes.com/sites/jeffbevis/2020/09/30/4-ways-to-stay-positive-in-trying-times/#30c2ded46b12

Tips to stay safe for Halloween 2020 during COVID-19

Halloween 2020b

Halloween 2020b

It’s definitely been a difficult, stressful year, and COVID-19 has led to many things being cancelled. And with Halloween coming up, you might be worried about how to celebrate the holiday and have fun safely during the pandemic. You might be wondering whether you even want to do anything celebrate. There are a few things to keep in mind about Halloween during coronavirus. Here are some tips for Halloween 2020.

Read moreTips to stay safe for Halloween 2020 during COVID-19

Alternatives for a safe Halloween during COVID-19

Halloween 2020 (c)

Halloween 2020 (c)

This year has been different than, well, pretty much any year in memory – and that’s an understatement. And with Halloween only weeks away, there are a lot of questions and concerns about how to celebrate the holiday safely. Usually Halloween is a joyous time filled with laughter and, true, shrieking. While there is indeed a pandemic happening, that doesn’t mean that you have to completely ignore Halloween. The CDC has a lot of suggestions about how to celebrate and have fun, and they even have it broken down by the level of risk each activity presents. Here are a few options for making this Halloween during COVID-19 fun and safe.

Tips for safety for Halloween during COVID-19.

Here are a few activities that the CDC classifies as low-risk:

1. Pumpkin carving.

Carving pumpkins is a classic fall or Halloween activity. And pumpkins can still be a part of Halloween during COVID-19. You can carve up some pumpkins with your family at home, or you can set up an outdoor carving session with some neighbors or friends (keeping every one at a safe distance from each other, of course). Then you can display the jack-o-lanterns for people to see!

2. Scavenger hunt.

You can have a nice, fun Halloween that involves some exercise and fresh air by creating a list of Halloween or fall-related things for the kids to check off as you go for a walk. (And, you know, you can get the kids to burn off some energy as they go around and search for the items on the list.)

3. Candy hunt.

You can also stash candy around the house and have a “candy hunt” at home. Hey, you’ve got to make the kids work for it, right? So, let the kids have some fun, tear the house apart a bit, and search for some Halloween treats. They might be bummed because they can’t go trick-or-treating, but at least you can console them with their candy-hunt! (And that still gives you the opportunity to take some fun pictures.)

4. Having a video-call costume show.

You don’t have to completely eschew costumes this year. You can use video calls to do a costume fashion show. There’s a lot of ways you can let the kids show off the great costumes they picked out.

Halloween during COVID-19

5. Having Halloween movie night.

You can also arrange to have a Halloween movie night. That can help everyone get in the spirit of the holiday. So, fix up some fun snacks, choose some Halloween movies, and settle in. (And don’t forget the candy, of course!) That’s a safe way to do Halloween during COVID-19.

Moderate risk.

There are other activities to celebrate Halloween during COVID-19 that the CDC says are “moderate risk”. You have to take stock of the risk that your plans have – be aware of the community spread in your area. If the numbers aren’t great, you might want to reconsider going out and stay in instead. And if you’ll be doing activities with any other families, ask what precautions have been taken leading up to the event and what precautions will be taken at the event.

6. “One-way” trick-or-treat.

Now, you might be wondering how you can still give out candy to adorable trick-or-treaters. You can set up what the CDC calls “one way” trick-or-treating by creating a station for goodie bags at the end of the driveway. You can set the goodie bags apart from each other so people can stay distanced. Just be sure to wash your hands properly before you make the goodie bags. There are a few other creative suggestions for handing our candy, like creating a “candy slide” out of cardboard or making a spiderweb you can attach the goodie bags to.

One more thing – it’s really, really important not to give out candy if you’re sick. You might just sit this Halloween out. (And even if you’re healthy, don’t forget to wear a protective mask.)

7. Having a small outdoor costume party.

You can arrange a small, reasonable outdoor costume party. Just be sure to adhere to relevant guidelines for safety. That means masks and social distancing. It’s really important to keep everything safe and to take appropriate precautions. Remember, the Halloween costume mask you want to wear doesn’t take the place of a protective cloth mask, according to the CDC. A costume mask isn’t going to cut it unless it has two or more layers of breathable fabric that covers your nose and your mouth and doesn’t have any gaps. Oh, and the CDC also cautions against placing a costume mask over a protective mask because that makes it hard to breathe. You can just use a protective cloth mask that is Halloween-themed.

(And here’s an arts and craft activity – why not decorate Halloween protective masks with the kids? You can really make them fun!)

8. Going to an outdoor haunted forest.

If you’re into the whole “haunted house” thing, there’s an alternative that’s more COVID-19 safe. You can consider an outdoor haunted forest where people can only travel in one direction. There should also be mandatory mask-wearing and social distancing so people will be six feet apart. But keep in mind that if you think things are going to get scary and there will be screaming, the distance has to be increased. That can help reduce the risk of viruses spreading.

9. Visiting a pumpkin patch.

You can visit a pumpkin patch where people have to use hand sanitizer, wearing a mask is mandatory, and people need to social distance. That way you can enjoy some fall fun while also staying safe. Just remember that you need to take appropriate precautions.

10. Doing an outdoor movie night.

You can also try an outdoor Halloween movie night with local family friends. Keep people six feet apart, have masks, and have the hand sanitizers. Again, increase the distance between people if there’s going to be screaming involved.

High-risk.

Now, the CDC classifies the following activities as high-risk. That means you should probably avoid them.

  • Traditional trick-or-treat
  • Trunk-or-treat where people congregate in a parking lot and hand out candy from their cars
  • Indoor haunted houses where people will be crowded together and where they’ll likely be screaming
  • Hayrides or tractor rides where you’ll be with people who aren’t in your household
  • Drinking, which can impair judgement

(And you probably shouldn’t go to a rural fall festival not in the community if you’re in an area with a lot of community spread.)

The coronavirus doesn’t have to make Halloween a no-go. There are alternative activities you can do that will allow you to both have Halloween fun and stay safe. The CDC has suggestions for what activities are low, moderate, and high risk. Depending on your family and your comfort level, you can choose how you want to celebrate Halloween.

Get home insurance quotes.

You also need to have the proper home insurance to protect yourself from the risks you face. Our team can help you with that. You can get in touch with our team by filling out our online form, giving us a call, or messaging us. We love helping people save money on their coverage and we love making insurance easy.

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Tips for deciding about your kids going back to school

Kids going back to school

Kids going back to school

There is a lot of fear and wariness going on today with the pandemic. One major concern or decision that many metro-Atlanta families are facing is whether to send the kids back to school or keep them in virtual school. School districts have created plans for re-opening, some of which involve “phases” or “stages”. But there is a lot that goes into making this decision, and it might feel like it’s a huge weight on your shoulders. Fortunately, the CDC has plenty of tools, considerations, and resources to help you make the decision about sending your kids back to school. We’ll go over some things you need to consider and some resources the CDC has available.

Considerations for sending your kids back to school.

When it comes to sending your kids back to school, you need to consider what’s best for your family and your situation. Different factors can come into play, such as health concerns, work considerations, and the schooling itself. This situation is stressful and there are a ton of different things you’re juggling. You might also be thinking about things like services your school offers, childcare, and even your kids’ extracurriculars.

What it comes down to is weighing the pros and cons of sending your kids back to school. Think about the benefits of in-school learning and the services the school offers versus the risk of COVID. (A major factor to consider is whether your child or anything in your family is at increased risk of COVID-19.) What does the spread look like in your community, what do the numbers look like? It might feel impossible to weigh these things against each other, but you can look at the CDC’s resources. They have tools that can help gauge your family’s risk and choose between remote learning, in-person learning, or hybrid-style learning (if you have the option to choose). It can help you prepare for your school year. So that might be a tool to help you navigate this difficult decision.

Tips for reviewing your school’s plan.

If your child’s school has communicated their plan for re-opening with you, there are a few questions you can ask to evaluate the plan and the measures the school will take.

  • What measures or procedures will be in place to reduce the spread of COVID? Will there be measures like social distancing, frequent hand washing, and masks?
  • Will the school environment be kept healthy and clean with appropriate ventilation, cleaning, and disinfecting?
  • What operational procedures will be in place? Will schedules be staggered? Are groups going to be kept small?
  • What is the plan or procedure for when someone is sick?

Now, we’ve mentioned that the CDC has a tool to help you evaluate your situation and the pros and cons of your child going back to school. Their tool can help you take stock of your family’s needs and evaluate your comfort level with your child or children going to in-person school. It’s set up with boxes that you can check off to say whether you answer Agree, Disagree, or Unsure about different questions. When you pick the box that most closely suits how you feel. If you realize that there are a lot of Unsure or Disagree boxes checked, you might want to open up a conversation with your school, your family doctor, or your employer. (And it can even help you pinpoint the specific concerns you want to talk about.)

The pandemic led to a lot of changes, and it’s not easy to juggle working from home, childcare, and online learning. Schools starting to reopen presents yet another dilemma. If your school is opening back up for in-person learning, it might be tough to decide what to do. Of course, you have to evaluate your own situation and your family’s needs – the CDC tool we mentioned is just one way to do that.

Get home insurance quotes.

If you are looking for Atlanta home insurance, we can help. We like to make insurance easy, and we also like to help homeowners save money on the insurance they need. You can get started with your quotes by filling out our online form, giving us a call, or messaging us on LiveChat. We’d be happy to help with your insurance needs.