How Jetski Insurance Can Protect an Owner in Georgia

If you live in the Woodstock, GA area, there will be plenty of opportunities to enjoy a nice hot summer day outside and on the water. If you enjoy being outside and enjoying recreational activities, getting a jetski could be a great option. If you are looking to purchase a jet ski, you should look into getting jet ski insurance. While this might not be the first thing that you think about when buying one, but jetski insurance can protect an owner in several different ways.

Gives You Protection for Liability

When you are going to buy and use a jet ski, you will get to have a lot of fun out of it. However, there is always a small risk that you could make a mistake and be at fault in an accident. If this was to cause property damage or bodily harm to another person, you could end up being held liable. When you have jet ski insurance, you will receive coverage for these situations.

Protects Your Property

While it is important to have liability coverage for your jetski, you also want to make sure that it is protected in the event of damage, theft, vandalism, or another situation that could cost you money for repair or replacement. When you have a jetski insurance policy, you will receive coverage for all of these risks and situations. This could end up saving you a lot of money. 

If you are looking to get jet ski insurance in the Woodstock, GA area, getting advice from a professional is very important. One company that can provide you with great advice for all of your insurance needs is Peter Laczko Insurance Inc. The insurance team at Peter Laczko Insurance Inc. will help you to build and choose a policy that will give you great coverage for all of your jet ski insurance needs. 

Make Your Home Sparkle for the Holidays

With the holidays fast approaching, now’s the time to start sprucing up your home to receive holiday guests. A sparkling clean home will make a good impression on family and friends when they come over for festive occasions. Here are a few tips from The Sanford Group on how you can make your Ball Ground, GA home shine for the holidays.

Light Up Your Entry Way –  A welcoming entryway will make guests feel at home. Christmas lights around the entryway and a beautiful wreath on your door will add holiday cheer to your home and set the stage for festivities to come.    

Make Your Kitchen Shine – As the kitchen is a popular hub for family gatherings, take time to clean and organize this area from top to bottom. An attractive, orderly kitchen makes an inspiring place to gather for cooking, munching on snacks or socializing with friends and family.  

Ready Restrooms – Deep clean your bathrooms and test drains and toilets to make sure these fixtures are working properly. Place tissue boxes, toilet paper and paper towels where they can be easily found by guests when needed.     

Declutter – Declutter living spaces to beautify your home and make room for guests to socialize. Wash curtains and windows and professionally clean the carpet. Place scented holiday candles in key locations to give your home a refreshing aroma.      

Decorate with Flair – Put up a tree and colorful decorations throughout your home to give it that festive touch. Holiday décor sets the mood for festive occasions and adds warmth and charm to a home environment.   

When planning holiday events, don’t neglect to review your home insurance to make sure you’re fully protected against holiday accidents. For greater insight into how home insurance can keep you safe this holiday season, contact The Sanford Group in Ball Ground, GA.

Six Questions To Ask When Choosing Your Auto Insurance Deductible

Choosing your auto insurance policy deductible is a very personal decision that depends on a variety of unique factors, including your personal comfort and the risk level you are willing to face. While The Sanford Group can provide you with the information you need to make an informed decision, it ultimately rests on you to weigh your options and determine the best deductible for you and your family. Here are six questions to help you choose your Ball Ground, GA auto insurance deductibles. 

What Is the Value of My Vehicle? 

Your vehicle’s value makes a lot of difference in what deductible will make sense. Less expensive cars cost less to insure. The more expensive your vehicle is, the pricier it is to insure. Opting for a higher deductible on a high-value vehicle makes sense because the annual premium savings can be significant. 

Do I Have an Emergency Fund? 

You need to consider your bank balance when weighing your deductible options. Can you afford to pay a larger deductible out-of-pocket in the event of a claim? A smaller deductible will result in higher annual premiums, so if you do have an emergency fund it would be wise to raise your deductible as high as you feel comfortable with. 

How Much Do Different Deductibles Cost? 

Every situation is different, but the general rule is that if you’re going to go with a low premium make sure you can recoup the higher cost within three years.  

What Is My Risk of Having A Claim? 

No matter how skilled you are as a driver, everyone has some driver risk. If the possibility of you submitting a claim is high, a low deductible may be the better choice. However, the savings could be substantial if you are a high-risk driver and you opt for a high deductible. 

Is a Vanishing Deductible a Good Option? 

While they’re becoming a popular option, whether vanishing deductibles are a good one for you varies. You do have to pay an extra annual premium for a vanishing deductible, but it might be a smart choice if paying a deductible would devastate you financially. 

Should I Choose a Different Deductible for Different Coverage? 

Yes. Collision coverage is more expensive so it’s smart to go with a higher deductible for that coverage, whereas a lower deductible makes sense for Comprehensive, which is typically cheaper. 

Need Guidance on Deductibles? 

If you have questions about deductibles, we have answers. Call the Ball Ground, GA insurance experts at The Sanford Group today! 

Do I need commercial auto insurance if my business only uses a few cars?

If your small business in Ball Ground, GA uses any automobiles for work-related purposes, you will need a commercial auto insurance policy. If the vehicle is in an accident, your claim could be denied if your insurance company found out that the automobile was being used for business purposes at the time. Your business could end up being responsible for paying for the damages.

At The Sanford Group, we can help you find the right kind of coverage for your needs. Here are some examples of times when you would need a commercial auto insurance policy:

  • If your business uses a vehicle to pick up or deliver goods, supplies, food, or even messages
  • If a vehicle is used as a taxi
  • When the vehicle is owned or leased by the business or registered to the business
  • If any of your employees use your vehicle for work-related purposes
  • When your business rents or leases a vehicle to someone else
  • If your vehicle has equipment permanently installed, such as ladder racks or toolboxes, that are used in the business
  • If your vehicle is equipped with other kinds of equipment used for your business
  • Or if you have any vehicles that have a gross weight of over 10,000 pounds, such as trucks or utility vehicles, or if the vehicles have a weighted load capacity of at least 2,000 pounds

Just like with a personal auto insurance policy, you will then have options about what kind of coverage you want. Liability coverage, collision coverage, and uninsured/underinsured motorists are just a few examples. If you want to speak about a policy to protect your Ball Ground, GA business, please call The Sanford Group today.

Times in Life When You Should Increase Your Life Insurance.

Live moves fast. There is a saying "the days are long but the years are short", and at The Sanford Group we will see our customers go from just starting out and purchasing their first car insurance policy to adding a home insurance, and then life insurance. Each change typically indicates a big change in the client’s life and it is interesting to see advancement through life from an insurance perspective. There are some milestones in life that go by that cause the need for an inspection of your current insurance policies. We want to help you stay protected, come what may. We serve clients in and around Ball Ground, GA.

Times When You Should Increase Your Life Insurance Policy

  • Tying the Knot. When you get married it is a good idea to purchase a life insurance policy to protect your spouse from additional stress if something happens. Even unmarried people should have a basic policy to cover funeral costs. 
  • Buying a Home. A home loan typically takes many years to pay off. Do not saddle your loved ones with figuring out how to take over mortgage payments in order to keep your asset, buy a life insurance policy with the specific purpose of covering the loan in the event of the worst. 
  • Having a Baby, or Another Dependent. Whether you are expecting a bundle of joy, taking on the children of a family member temporarily, or allowing your aging parents to move in, you will want to protect them from financial ruin in the case of your death with a policy that will cover the home and give them time to figure out their next steps in life.

Contact us at The Sanford Group if you want to learn more about life insurance or upgrade your current policy. We proudly serve Ball Ground, GA.

When is Mold Damage Covered by Homeowners Insurance

Mold can come as a shock if you are not expecting it.  What is more startling is finding out that your homeowner’s insurance may or may not pay for the damage. Here is what you need to know about situations behind mold cleanup and insurance coverage in Ball Ground, GA.

Covered Peril

Covered peril is a term that is uncommon to most homeowners. In an insurance policy, peril refers to a specific risk that is caused by a flood, windstorm, fire or other natural elements. Most mold cleanup and remediation is covered by your homeowner’s insurance policy when mold is caused quickly by peril. 

Additional Mold Coverage

A homeowner that discovers a patch of mold from a leaky pipe behind a wall is not likely to be able to file an insurance claim.  However, if this type of hidden damage is a concern, check with your insurance agent about additional mold coverage. An insurance company, like The Sanford Group, will be able to provide estimates and help you weigh the pros and cons of additional mold coverage. 

Should Mold be a Concern

Mold should always be taken seriously. However, the amount of mold and the reason for its presence should dictate whether an insurance claim should be filed. For example, the weather in Ball Ground, GA can get very hot. Condensation may form around windows from humidity and cause mold to grow. By fixing the leaks and cleaning the small spots of mold yourself, you can save money and still have peace of mind.

Mold coverage by an insurance company, like The Sanford Group that serves Ball Ground, GA, should only be considered when catastrophic events create a danger to property and health. 

 

 

 

 

 

What do I do if my car was the only one involved in an accident?

Being in an accident is stressful and can be frightening. Many people panic, which can lead to making a decision which isn’t the best.

Drivers in Ball Ground, GA should call 911 after an accident so an officer can come help out at the scene. The law enforcement officer is required to file an accident report if the physical damage exceeds $500 or if anyone has been injured or died as a result of the accident.

If you were the only one in an accident, the same basic rules apply. Sometimes you are the only one injured and only your vehicle was damaged.   Single car crashes happen for a variety of reasons, including:

  • Bad weather, especially when visibility is poor.
  • Poorly placed or missing road signs.
  • Driver inattention or fatigue.
  • Bad driving by other drivers.
  • Mechanical problems with your vehicle.

If you call 911, an officer will come and help you assess the situation. You may not realize you are hurt, but you are probably shaken up.  It may also be difficult on your own to find the information for the property owner if there is damage. The Sanford Group can help you if you want to learn more about filing accident reports.

If you have an accident report in Ball Ground, GA, the other party cannot use it as evidence against you. Georgia specifically disallows this kind of evidence, so a report filed with the Department of Transportation or resulting actions were taken by the Department of Driver Services cannot be used in court to prove a case against you.

Accident laws can seem confusing, and you don’t want to do the wrong thing and pay for it later. Please call  The Sanford Group if you have any questions or if you want a free quote on a new policy.

Does Life Insurance Cover Funeral Expenses?

Life insurance will cover a funeral, but "funeral insurance" is not one specific type of policy. There are actually a number of ways to get covered in Ball Ground, GA:

  • Naming a funeral director as beneficiary. A funeral director can be named as a beneficiary on a policy or as sole beneficiary of a smaller policy. This will allow for the insurance to go directly to covering funeral expenses.
  • Making arrangements with a family member. When laying out who will receive what in a life insurance policy, many will choose to enlist a family member to plan the funeral, with the understanding that the extra money they are receiving through the policy is expressly for that purpose. It is important to select a trusted family member for this option. Final arrangements can be difficult to enforce given that the policy holder has passed on.
  • Pre-need contracts. It is possible to sign a contract with a funeral home so that the final expenses, including burial plot, casket, and other funeral expenses are pre-arranged. In this instance it will be to the beneficiaries to pay these expenses from the policy when the time comes.

There are a number of options for paying for a funeral with a life insurance policy, and it ultimately comes down to the arrangements that the policy holder is comfortable making with their insurer, funeral director and family.

If you’d like to learn more and arrange a plan that works for you, get in touch with The Sanford Group. We can help to arrange the right plan to provide you with the peace of mind you want when buying life insurance.

How Commercial Insurance Can Protect Your Assets

Commercial insurance safeguards your business from major financial losses. Whether you own a building or lease office space, commercial coverage protects your physical assets. This can give you peace of mind in case the unexpected happens. It also protects your personal assets by covering circumstances outside your control.

Commercial insurance plans vary depending on your industry and where you live. However, insurance companies categorize coverage by the asset or event covered, so it’s relatively easy to find the coverage you need for your Ball Ground, GA business. However, agents at The Sanford Group can help you find the best policy for your situation.

Kinds of Items and Events Covered

Commercial insurance protects the future of your business. Basic policies cove losses from fires to explosions, as well as theft and vandalism. Depending on the risks in your area, different events may appear in your policy, including:

  • Building
  • Signage
  • Inventory
  • Furniture and equipment
  • Landscaping
  • Other assets

The exact items covered depend on your concerns and major risks to your business. For example, you can cover a fleet of company cars and get coverage to pay for unintentional damage to customer’s homes.

When you shop around for commercial insurance, keep the unique need of your business in mind. Before you call your insurance agent, make a list of everything you want to be insured. That is helpful when you come in to get a quote.

Call the Sanford Group with your questions on commercial insurance. Feel free to set up an appointment for a free quote or to sign up for a commercial insurance policy. You worked hard to get your Ball Ground, GA business off the ground and you show up every day to keep things running smoothly, let us help you protect your life’s works.

Getting Auto Insurance for Your New Car

It is exciting to think about getting a new car. Before you rush off to the dealership, take a moment to consider the auto insurance as well. It will be helpful for your monthly budget to know the total amount you need for the car payments plus the insurance premiums. Depending on the type of vehicle you are considering, these amounts may differ significantly.

Why Getting Auto Insurance from a Car Dealership is Not a Good Idea

The main goal of the salesperson at a car dealership is to sell you a car and then add on as many extras as possible. A dealership is not permitted to let a vehicle that they sell drive off the lot without it being covered by auto insurance.

That does not mean that the auto insurance offered by a car dealership is a good one or that it is priced well. In fact, the dealership is likely to get a commission/kickback for placing the insurance with certain underwriters. This may add to the price for the insurance.

On top of the questionable quality issues, buying auto insurance through a dealer is not the same as having personal attention from an agent at The Sanford Group, serving Ball Ground GA and the surrounding communities. It is a better idea to make direct contact with an agent who can serve your needs and will be able to help you in the future if something comes up

Get Auto Insurance Lined Up In Advance

By calling your agent before you make the car purchase, your application information can be entered into the system and ready to go. Then, all you need to do is call the agent from the auto dealership and fax the agent a copy of the purchase agreement with the VIN number, year, make, model, and the purchase price to get auto insurance coverage.

Get a quote for new auto insurance by calling 678-454-0661 to speak with an agent at The Sanford Group in Ball Ground, GA or if you prefer, you may use the convenient online form.