Comprehensive Home Insurance Policy Options in Georgia

There are many different types of home insurance policies, and coverage levels can vary from basic to comprehensive in nature. If you are considering the purchase of a new home, it is important to understand all of your insurance policy options before deciding which is right for you. At The Sanford Group, we provide the guidance necessary to help you determine which home insurance policy best suits your needs. If you are in the greater Ball Ground, GA area and are in need of a home insurance policy, contact us today! We can make sure that you and your family have an adequate level of protection in place.

From Basic to Comprehensive, and Everything In Between

If you are just starting out, you may not need a lot of coverage, especially if you are single. However, as the years go by and you start your family and begin to acquire valuable items, your home policy needs will change. There are insurance policies that can provide repair and replacement of all of your items, and others that provide a more modest level of protection. We recommend that our clients review their insurance policies each year to make sure that their coverage is growing with you. If you are looking to buy your first home, or just want to ensure that your current coverage is adequate, your professional agent can review all of your options with you. Now is the time to make sure that the necessary coverage is in place.

Want to learn more about your home insurance options in the greater Ball Ground, GA area? Contact The Sanford Group today and we will review the available options with you and help you determine which level of coverage is appropriate to protect the needs of you and your family.

2 Ways a DUI Affects Insurance Rates

It’s never a wise decision to drink alcohol and get behind the wheel of a car. Not only are you putting yourself at risk of getting hurt, but you also run the risk of hurting someone else. There are numerous accidents involving drinking and driving each year in the US that are fatal. And the thing about it is, these accidents are completely preventable. If you don’t drink and drive, you are much less likely to cause an accident. Here at The Sanford Group serving Ball Ground, GA, we are all about your safety and we put together a helpful go-to guide to help you understand how a DUI affects insurance rates. 

You Will Lose Your License

In the state of Georgia, DUI conviction punishments are harsh. Not only will you face a fine of $300 to $1,000, but you could possibly have to spend up to one year behind bars. You will also have your license suspended for up to one year. You may or may not be able to receive a hardship license for work purposes. And to top it off, you will have to complete at least 40 hours of community service. 

Your Rates Will Increase

There is rarely ever a time that your insurance rate won’t increase if you are convicted of a DUI in the state of Georgia, and even worse, this increase tends to stick around for anywhere from three to five years. Going to traffic school for a DUI will not generally have any type of impact on your premium, meaning it won’t lower it.

If you would like to learn more about the ways a DUI affects auto insurance in Ball Ground, GA, call The Sanford Group now.