The Pros and Cons of Accident Forgiveness Auto Insurance

When you are looking to purchase auto insurance, you may take the time to learn what perks or benefits an auto insurance policy offers. One of the newest perks that some plans are offering is auto accident forgiveness. This means that the insurer will not automatically raise your rates due to your first accident, regardless of whether it is your fault or not. Here are a few of the pros and cons of accident forgiveness auto insurance.

The Pros

The biggest benefit is that you do not have to worry about your auto insurance rates rising because you are involved in a car accident. This can be a huge weight lifted off of your shoulders, as statistically, everyone will be in at least one accident during their lifetime, and when this happens your auto insurance rates go up. This prevents this from happening to you.

The Cons

The biggest con to auto accident forgiveness is that ultimately, everyone’s insurance premiums increase a tiny bit to offset the increase that is normally only given to those who have accidents. As such, everyone is paying for the accident, instead of just the individual who caused the accident. If you are on a tight budget, you may not want the tiny increase in insurance rates to protect you against a what-if situation.

If you are are considering purchasing a new auto insurance policy, The Sanford Group, serving the greater Ball Ground, GA area, can help you determine if auto accident forgiveness is ideal for your needs. From there, they can help you find a plan that has or does not have this feature. Give them a call today for an estimate or to discuss your insurance needs more.

Caring for Your Historic Home in Ball Ground, GA

The historic architecture of Ball Ground, GA is a unique part of the area’s small town charm. Historic buildings such as residential houses, commercial and industrial buildings, as well as historic landmarks can be found in the Ball Ground GA historic district. The styles are typical of the late 1800s until the mid-1900’s and are referred to as Folk Victorian or Ranch styles.  

What Makes a Ball Ground GA Home Historic?

There are three steps used to determine if a home is considered historic. These include:

Step 1: Gathering information about the property such as maps, plans, photographs, a written description.  

Step 2:  Taking that information and comparing and contrasting it to other properties in the area.  

Step 3:  Applying certain criteria to the property.  

Caring for Your Historic GA Home

If you want to remodel or renovate your historic home in Georgia, you are typically free to do what you want with your historic property as long as Federal money is not attached to it.  However, it is advised that before a property owner begins a project on their historic home in GA, they should contact the State Historic Preservation Office to make sure there are no laws impeding such actions.  

At The Sanford Group, we know all about insuring historic homes in Ball Ground GA. To speak with a reputable agent who serves the area, give us a call at 678-454-0661 and a friendly member of our team will help you find a new home owner’s insurance policy that’s just right for your historic home in GA. The Sanford Group is committed to excellence and customer satisfaction.