Five Ways Home Insurance Pays Off

When you live in Ball Ground, GA, it’s important to do everything you can in order to protect your home. Home insurance pays off in a variety of ways. Although you don’t want to spend money on premiums, it’s a good investment. Insurance agents at The Sanford Group can help you get a good policy in place.

Get Faster Repairs

Home insurance pays off when you can get faster repairs. Should something happen your home, you can file a claim and know that the insurance company will take care of at least the majority of the expenses.

Ensure Replacements are Made

Replacements aren’t faster when you can file a home insurance claim, as well. Otherwise, you might have to wait until you have enough money to make the replacements on your own. In some instances, you may not get around to making the replacements because of them being cost prohibitive.

Avoid Legal Fees

Home insurance provides liability coverage. Should someone gets injured on your property or you injure someone else’s property, a lawsuit could easily take place. Home insurance takes care of the legal fees so that you don’t encounter these on your own.

Always Have a Home

Unfortunately, there have been instances where homeowners in Ball Ground, GA become homeless because they chose not to get a home insurance policy. Although it’s required when you have a mortgage, some people choose to drop the coverage once their mortgage is paid off. This is why it’s a bad idea. You always want to have a home to live in and a policy will ensure this happens.

Enjoy Peace of Mind

There’s a lot to be said about peace of mind. When you have a policy, you get to live life to the fullest knowing that your home is always taken care of.

Find out more about getting a good deal on home insurance premiums by contacting The Sanford Group today.

What is the Difference Between Liability, Physical Damage, and Uninsured Motorist Insurance?

If you live in Ball Ground, GA you may have wondered about the different auto insurance options. The Sanford Group can help you shop for the best insurance for your needs by explaining the differences between auto insurance options.

Liability Insurance

Every motorist on the road is required by law to have liability insurance. This type of insurance pays for damages that you might cause to another vehicle and the medical problems that someone might face if you caused an accident with them.  Liability insurance will not pay for your own vehicle repairs if you cause an accident. It only pays for the other party’s damages. You will have to pay for repairs to your vehicle out of your own pocket. In general, liability insurance is less expensive than full coverage.

Physical Damage Insurance or Full Coverage

There are two types of insurance that may fall under what many people consider "full coverage." The first type covers losses due to fire, theft, or vandalism of your vehicle. This type of insurance is sometimes called comprehensive Insurance, or "other than collision" insurance. The other type of insurance is called "collision" insurance, which pays for repairs to your vehicle if you have an accident, even if you were at fault. Most of the time, if you have had to borrow money to buy the vehicle, the lender will require you to carry physical damage insurance, even though state law doesn’t require this type of coverage. Physical damage insurance is usually more expensive than liability insurance.

Uninsured Motorist Coverage

While everyone is supposed to have insurance when they get out on the road, not everyone follows this law. Uninsured motorist coverage will pay for damages to your vehicle if an uninsured motorist causes an accident. Not all policies include this so check with your agent to be sure of your coverage.

If you have questions about your insurance coverage, check with an agent at the Sanford Group, serving Ball Ground, GA and the surrounding area.