Home Insurance Keeps You Covered in Georgia

Your home and possessions are a major investment. Protect your property with the right home insurance coverage to meet your needs. Beyond protecting your home and family from unexpected emergencies, comprehensive homeowner’s insurance is often required by banks and mortgage lenders for at least the value on the mortgage. Beyond that, the right policy gives you something that is priceless: peace of mind.

A homeowner’s policy will help protect you and your loved ones from peril such as fire and theft. It includes your house and may include outbuildings such as garages and fences. It can also cover personal property, like clothing, furniture, and electronics, while at home and traveling. It may cover living expenses if you need temporary housing while your house is being repaired. Your policy may include physical injury and medical expenses for visitors if they are hurt while on your property. You can also get additional coverage for items such as artwork and electronics. And you may wish to explore buying supplemental insurance for extreme weather, including earthquakes, floods, and hurricanes. 

Each client will have an assessment that establishes the correct amount of homeowner’s insurance, taking into account the value of your house, possessions, and the possible risks to protect against. Many experts advise creating a policy that provides sufficient coverage to cover the cost of rebuilding in the event of catastrophic damage. The Sanford Group has highly experienced agents work to protect Ball Ground, GA homeowners by offering a personalized insurance policy based on your needs and lifestyle. We can work with you to provide with the policy that is ideal for your home, and our experienced agents are experts at helping you to receive the best available insurance rates. To find out more about The Sanford Group, serving Ball Ground, GA and the surrounding area, please call or visit us today.

 

Is My Spouse Covered Under My Auto Insurance?

It is pretty common to see a couple share their cars interchangeably. Though, one partner may claim that a specific car is “his or her car,” if the other partner needed to drive it, he or she would without a second thought. But what if something disastrous were to happen? What if there was a bad car accident? Would the person driving be covered under the auto insurance policy?

Is My Spouse Covered Under My Auto Insurance?

First thing is first, call The Sanford Group in Ball Ground, GA to see if your spouse is already listed under your insurance policy. If the answer is yes, then you have nothing to worry about. By listing your partner as a covered driver on your insurance plan, he or she is covered in the event of an accident. If your spouse is not listed, however, and gets caught behind the wheel of your car, trouble may not be far behind. For example, if a husband fails to let his insurance company know that he is married, doesn’t list his wife on the policy, and she gets into an accident, she may be denied coverage citing misrepresentation. Misrepresentation is a type of insurance fraud that says that the policyholder did not give the insurance company all of the information necessary to assess proper risk.

If a wife happened to be driving her husband’s car before he had the chance to add her to the policy and she got into an accident, there are some cases where the accident would be covered. In this scenario, you would likely need to pay for the premiums that you should have been paying as a driver listed on the policy.

Contact The Sanford Group in Ball Ground GA

For more information on adding your spouse to your auto insurance plan, please reach out to The Sanford Group in Ball Ground, GA. They will be able to help you with your request and answer any additional questions you may have.