What is the Benefit of Getting Home Insurance in Ball Ground?

Buying a home can be a great long-term financial decision for people all over the Ball Ground, GA area as it provides a variety of benefits. At the same time, it is a very major asset that you need to properly cover with insurance. There are many benefits that come when you get a home insurance policy for your Ball Ground home. 

Protects Your Valuable Asset

One of the main reasons to get a home insurance policy on your Ball Ground property is because it will protect your very valuable. Your home is going to be the most valuable asset that you will ever own. Due to this, you should protect it as well as you possibly can. A great way to do this is by getting a quality home insurance policy that protects against many different risks.

Gives Protection for Liability

Property owners also need to think about the increased risk of liability that they have once they own a property. Since you own an asset that has equity, you have more to lose. Due to this, you need to make sure that your are properly covered for liability insurance. When you have a home insurance policy, it is going to include liability insurance that will ensure you have protection in the event you are found liable for an accident in your home. 

There are plenty of benefits that come when you get home insurance for your property in Ball Ground, GA. When you are going to buy a home or are evaluating your home insurance needs, you should call The Sanford Group. The insurance professionals at The Sanford Group can help you to better determine the right type and level of coverage that you need for your home insurance coverage. 

Is Auto Insurance in Georgia Really a Necessity?

For people all over the Ball Ground, GA area, driving a car is a basic necessity in order to get around town and to work. Along with this, all people in this area need to carefully think about their auto insurance needs. There are several reasons why auto insurance is a necessity for people in this area.

Required by Law

One reason why having auto insurance in Ball Ground, GA is a requirement is that it is actually required by law. The state of Georgia requires that all drivers have insurance at all times when they are on the road. To comply with this legal requirement, you are going to need to have at least the minimum level of liability auto insurance at all times. Otherwise, you could face stiff penalization.

Lender Requirements

Additionally, any auto lender is going to require that you carry auto insurance at all times. On top of the minimum liability insurance, you will also need to carry collision and comprehensive insurance. This will cover you for virtually any situation that could cause a loss including auto accident damage, theft, or fire damage. The lender will require this to make sure that their collateral is covered. 

As you are shopping for auto insurance, it is important to work with a company that has your back and a lot of experience. The Sanford Group is a great company to contact when you start the process of buying a car and shopping for auto insurance. When you contact the team at The Sanford Group, they will be able to help you find a policy that is right for your situation and covers you as well as possible. This will ensure that you have peace of mind and are in compliance with all regulations. 

Borrowing Against a Life Insurance Policy

There is something that every young adult can do that will help them out later in life when they get older. They can get a life insurance policy that builds up cash value over time. If you think life insurance is only protection that helps other people after you are dead, you are wrong. Consider getting whole life insurance that builds cash value the longer you own it. Talk over the options with your agent at The Sanford Group, serving Ball Ground, GA and the surrounding area.

Building Cash Value

Life insurance with increasing cash value over time is like a treasure you build up for yourself. It can be very helpful to have this when you need it. You can borrow against the cash value at a very low-interest rate. There is no credit check and the paperwork is very simple because you have the cash value as collateral. 

By borrowing on the policy, you do not disturb the life insurance coverage, which continues. Also, the money you get is a loan and not income so it is tax-free. If you make a simple plan to get life insurance and have the premiums automatically paid, you can buy it and forget about it. Then, it will do its thing over time and be there if you need it. 

Benefit from the Incremental Process

Have you ever watched ants? They are tiny, yet strong. They can move a gigantic piece of something by breaking it down into tiny pieces and then marching along in a line one-by-one until the whole thing is moved. Put a big pile of sugar and watch them go to work. Go away for a while and when you come back it all will be gone. This is the incremental process.

The same thing happens when you buy life insurance that builds cash value, especially if you are a young adult. It slowly, but incrementally, builds up cash value, which is like having a secret pile of sugar to enjoy.

Contact your agent at The Sanford Group in Ball Ground, GA to get a quote for life insurance and start putting the incremental process to work for your benefit.

Four questions to ask before you purchase commercial insurance

Commercial insurance is essential for business owners because it protects their livelihood.

It’s important that business owners put adequate research into selecting a commercial insurance policy. At The Sanford Group, we’re here to answer any questions that Ball Ground, GA business owners have regarding their commercial insurance. 

The following are four important questions to ask when you’re looking for the right commercial insurance coverage for your company’s needs: 

Which types of commercial insurance does my company need?

There are numerous types of commercial insurance to consider. These include commercial vehicle insurance, general liability insurance, professional liability insurance, and worker’s compensation insurance.

You should know what all the various types of commercial insurance are and determine which you need for your company.   

How much are my company’s assets worth?

Once you figure out which types of insurance you need, you also need to put thought into what your coverage limits should be. When determining your coverage limits, you should evaluate your company’s worth.

Ideally, you’ll want your commercial insurance to be able to compensate you for the entire value of all your company’s assets. This way, you’re not at risk of losing your company’s assets in the event of a severe accident. 

What are the coverage limits available to me?

You need to evaluate available coverage limits and the associated premium costs of selecting them for your policy. To determine the best coverage limits, you should figure out what your company’s possible liabilities are and how much your company could face in terms of expenses in the event of an accident. 

How much will coverage cost?

You need to factor the costs of your commercial insurance into your company’s budget. Make sure that your premiums will be affordable to your company and won’t cut into your company’s bottom line too much. 

If you’d like to discuss the available commercial insurance policies we have at The Sanford Group, get in touch with us. We’re happy to provide commercial insurance to Ball Ground, GA business owners. 

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.