Speak to an Expert About Protecting Your Possessions with Home Insurance

Are you in the process of shopping around for home insurance? Whether you only just purchased a house or have been in your own home for many years, it is important that you know how to get the right kind of coverage for your property and your beloved possessions. Read on for tips on how to get the ideal home insurance policy from an agency such as The Sanford Group which serves the Ball Ground, GA area.

Acquire Extra Insurance 

It is crucial you what is and is not covered when it comes to your standard home insurance policy. Find out which of your possessions require that you have insurance riders so you are not caught by surprise when disaster strikes. 

Though the big ticket items like jewelry, collectibles, silverware, antiques, and artwork are included in a standard policy, coverage is only up to a certain amount. An item that is valued at several thousands of dollars can be a major loss for you and your family. Tack on an insurance rider to cover the rest of the amount. You may want to hire the services of an appraiser to be certain of the actual value of these items before you complete your initial insurance paperwork. 

Consider a Home Insurance Floater

Do you need a home insurance floater? This is a type of coverage which protects moveable items, no matter where they are located in the world. It is mainly used for the sake of protection against theft and accidental damage of high-value items like equipment and collectibles. They have higher limits in place for those items which are more vulnerable to becoming damaged, stolen or lost. 

Choose the right home insurance for your needs by speaking to a reputable agent at The Sanford Group. Serving the greater Ball Ground, GA region, we have been a strong force in the insurance field. Reach out to us for assistance today.

Types of Auto Insurance

There are many types of auto insurance available today. Deciding what kind you need can be a little overwhelming.

How do you know what type, or types, of coverage you need?  Do you know what types of insurance are required in Ball Ground, GA? Once you know the answers to these questions, you’ll also want to look for ways to save money while still maintaining the appropriate coverage for your auto as required by law.

Five Type of Auto Insurance

Here are the five types of auto coverage available to you.

1.  Liability Insurance

Liability insurance is a type of auto insurance that will cover you if you are in an accident that is determined to be your fault. 

This type of insurance covers the costs of repairs to the property that was damaged during the accident, as well as the medical bills for any injuries that were caused by the accident.  Your state will typically have a minimum requirement for the amount of liability insurance that you must have.

However, when it comes to liability insurance, it is advisable to have more than the minimum required. The extra coverage offers you the protection you need if you are ever at fault in an accident. This extra coverage could keep you from having to pay out of pocket.

2. Collision Coverage

Another type of auto insurance is collision. Collision coverage pays for repairs to your car if you are in an accident. If the car is totaled, collision coverage will actually give you the value of your car, so you can purchase another vehicle. If you have a newer model, this coverage can be extremely valuable.

Lien holders often require this type of coverage. 

3. Comprehensive Coverage

Comprehensive coverage will cover your car if something happens to it that is unrelated to an auto accident. This can include things like weather damage and theft.

4. Personal Injury Protection

Another type of auto insurance that you hear a lot about is PIP. This is ‘Personal Injury Protection’. 

Personal injury protection is definitely a ‘must have’ when it comes to auto insurance.  Since the costs of an auto accident can add up quickly, you want to make sure you are protected.  With PIP coverage, medical bills and partial wages lost (both yours and any passengers) will be covered, no matter which party is at fault. 

In Minnesota, the minimums for PIP are $30,000 per covered person, $60,000 per accident in liability coverage.

5. Uninsured or Underinsured Motorist Protection

Finally, you can add uninsured or underinsured motorist protection to your current policy.  While it is the law to have auto insurance, not everyone follows the rules. If you get into an accident with someone who has no insurance, uninsured motorist coverage will protect you. 

Additionally, the coverage requirements in some states are very low; if you were to get into an accident with an ‘underinsured’ motorist, this coverage would protect you, as well.

This means if you get into an accident, and the other party does not have the insurance to pay for the damage, you will be covered. 

This is typically a very inexpensive type of coverage and should definitely be added to your policy. It can save you a great deal of time, money and stress. 

Have questions about car insurance? Contact The Sanford Group in Ball Ground, GA today.