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.

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. 

 

 

 

 

 

How Home Renovations Affect Home Insurance

Summer is a great time to renovate your Georgia home, making it a more comfortable, functional abode for your family. Before tackling home improvements, however, talk to your insurance agent from The Sanford Group in Ball Ground, GA about how renovations will affect your home insurance coverage. Here are a few ways major renovations could affect your policy.   

Raise Property Value  

Major renovations such as a kitchen remodel or adding a back patio for BBQs can raise the value of your property. If the new value of your home exceeds the limits of the dwelling coverage on your current policy, you’ll need to extend these limits to protect your investment. This requires an update to your policy. Ideally, your dwelling insurance should cover the cost of rebuilding your home if it suffers a total loss in a covered peril. Anything less could result in your paying the difference out-of-pocket.

Raise Home Insurance Costs

Home renovations need to be added to your insurance policy to be protected along with the rest of your home. Some renovations can increase your home insurance costs. Renovations that add more livable space to your property, i.e. new patio, new bathroom, home office, need insurance protection against damage, theft or liability risks, increasing insurance costs. If you invest in new goods for your renovations such as new appliances, electronics, etc., these also need protection, increasing the cost of your personal property coverage.

Reduce Home Insurance Costs

On the flip side, some renovations such as upgrading your electrical, HVAC or plumbing systems, could reduce your home insurance costs as they reduce your risks of damage due to accidental fire or water leakage. Safety features such as a new security system could also reduce your home insurance rates.

To learn more about home insurance options, coverage and costs, contact The Sanford Group in Ball Ground, GA.  

Some common home owner endorcements you may want to add to your policy

Home insurance is not one size fits all. Every home and homeowner is different and has different needs when it comes to their coverage. If you live in the Ball Ground, GA area you can feel confident talking to the agents at The Sanford Group. They are independent agents which means they can offer you a variety of options from different companies. They can custom fit your policy to your property.

Valuables

Typically, the personal property coverage on a home insurance policy has limits not only on the total amount but also on individual categories. If the jewelry limit is $1500 and your engagement ring is valued at $3000, you would only get the listed limit. You should add a jewelry rider if this is the case or perhaps a scheduled personal property coverage which would cover additional higher value items beyond just jewelry such as art, antiques, oriental rugs and collectibles.

Electronics

With all the electronics that most people have these days, it is important to make sure that you are adequately covered. Check the amount that your policy covers and if you need more, you can add a rider. It is better to be safe than sorry.

Flood

While most homeowners who need flood insurance purchase it through National Flood Insurance Protection, a few private insurance companies do offer flood coverage as a rider. One benefit of the private coverage is that it gives you loss of use coverage so that you can afford to stay somewhere else while your home is being repaired.

Sewer back up

What could be worse than having your sewer back up into your home? Nothing. It can be a broken or blocked pipe or a failure of your septic system but no matter what the reason, you need to check your policy for this coverage and if it is missing, add an endorsement.

Getting the right coverage from your home insurance is vital. Give the office of The Sanford Group of Ball Ground, GA a call and come in to talk to one of their agents. Your peace of mind depends on it.

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.

 

What to Expect if Your Home Owner’s Insurance Lapses

Home owner’s insurance is one of the most important expenses you have each year. In many cases, it is against the law not to have insurance on your home. However, for various reasons, people do sometimes let their policy lapse. This can happen for a number of reasons, but it is important for you to understand the consequences of a lapsed home owner’s insurance policy. 

Why Does Home Owner’s Insurance Lapse?

Your insurance can lapse for a few reasons. Most commonly insurance lapses because someone simply does not pay their premiums on time. Another reason, though, could be that physical changes took place to the property causing it to no longer qualify for coverage. These types of changes are often associated with the safety of the home. The other most common reason is that you allowed the policy to expire without getting a new one. You must renew your policy before the expiration date. 

What Will Happen If My Insurance Lapses?

The most critical thing which happens is that your home will not be covered in the case of an incident. So if damage occurs to the home during the lapse the repairs will come out of your own pocket. In the event of major damage such as a fire, or flood or storm damage this could be financially disastrous to your family. Also, in the event that someone is injured on your property, you are the liable party. 

Another critical thing that happens when you allow your insurance to lapse, is that in the future your rates will be significantly higher than normal. This is because once you have allowed policy to lapse you are then viewed as an insurance risk. It may also be difficult to secure a new policy. 

If you would like to talk to an insurance representative about home owner’s insurance please call our friendly staff at The Sanford Group in Ball Ground, GA. 

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.

Why You Need to Review Your Home Insurance Yearly

Reviewing your home insurance policy on a yearly basis in Ball Ground, GA should be done just like with getting a physical or going to the dentist. Changes in the real estate market can affect your policy, so it’s important to review it each year.

The first reason could be changes to your situation.Your policy should be up to date and there are a number of factors that can determine your risk. Have you put a new addition on your house? If so, it could change the overall value of the property, and increasing your coverage could be a small amount upfront that saves you thousands if you need to repair your home. It’s important that you update your information if you move, so you don’t miss any important information from your agency.

When you review yearly, you may discover some discounts. It’s a good idea to speak when an agent at the Sanford Group to see what discounts you can get. It may be as simple as bundling your home and auto policies.

On the other hand, you may not see discounts because your premiums are going up, and a review of your insurance can tell you why that is. Many people have their annual premium set up to either deduct from their banking account or mortgage account. Sometimes there is a reason for the premium going up, which you wouldn’t know about unless you are doing a yearly review of your insurance.

Insurance companies are also coming up with new services and products, in order to stand out. You may qualify for some of these new services and be able to save some money in the long run, but you wouldn’t know about them unless you review your policy and talk with your agent.

Contact The Sanford Group serving Ball Ground, GA to get a quote on home insurance.

Home Insurance Trends to Watch in 2018

Your home is probably the most valuable asset that you will own in your entire life. A standard homeowners’ insurance policy insures not only your home structure but also your personal belongings and liability in Ball Ground, GA. The Sanford Group homeowners’ insurance covers a wide variety of disasters which provides the much-needed peace of mind. There are lots of trends in the home insurance industry that are shaping how homeowners purchase home insurance and how they file claims. Digital transformation is revolutionizing every industry in the modern world, and the insurance sector hasn’t been left behind. Here are some of the home insurance trends to look out for in 2018.

Easier and Faster Claims Process

In the past, when an incident occurred, the homeowners in Ball Ground, GA had to preserve everything as there were and begin the agonizing process of reaching their insurance agents. However, with the introduction of mobile technology, everything is fast-changing.  The claim process is becoming easier and faster. You can just take photographs of the damage and send them to your agent. We expect this to become a common home insurance claim procedure in 2018.

Introduction of the Self-Service Dashboards

There is always a unique beauty in every dashboard. We have seen the dashboards in grocery stores and restaurants, and the trend is expected to shit to home insurance in 2018. The Millennials who are beginning to buy homes want to get everything done as quickly as possible with just a click of the button. It will make a lot of sense to them if they can file a claim or get an instant quote just by the click of a button.

Insurance as a Service (IaaS)

This is another trend that will become tremendous in 2018. Insurance as a Service allows homeowners to insure their expensive household items such as cameras, selectively when they are only in use. This should see the home insurance premium come down since not everything covered by the policy is insured wholesomely.

Do you want to learn more about the home insurance? Call The Sanford Group today for more information.

 

The Sanford Group Is Here to Help Meet Your Home Insurance Needs

Home insurance, whether you rent or own, is an important piece of coverage that everyone should have in their portfolio. If you are in the greater Ball Ground, GA area, The Sanford Group is here to work with you to determine the best policies and coverage levels for your needs. Our agents are here to review your home and possession value with you and provide information on the best policies and coverage levels to suit your requirements. The Sanford Group has close ties to the Ball Ground community, and we treat our clients like they are our neighbors. The Sanford Group is an independent agency and offers home insurance from multiple carriers, not just one.

In the event that you experience a catastrophic event with your home, your dedicated agent will walk you through the claims process and make sure that you have all of the assistance and information that you need. Damage to one’s home is already stressful and having to navigate the sometimes confusing claims process in just one way that we can help. Our agents will conduct a full inventory of your belongings and advise you on any items that could possibly be above policy value limits. There are additional riders available for artwork, jewelry, electronics and other high-value items that exceed the home policy value limits.

The community of Ball Ground, GA is always known to lend a helpful hand in the event of an emergency, and The Sanford Group stands by our clients in the same way. Give the team at The Sanford Group a call today to learn more about how home insurance can provide the coverage that you need, or review your current policy to ensure that it is still the best fit.