Life insurance is a smart investment, especially if you have people who are financially dependent on you. If you are wondering whether you need this type of insurance or not,  Town & Country Insurance serving Buford, GA has prepared the list of categories of people who need it most: 

• Breadwinners. If you are a breadwinner of the family, it means that your family members depend financially on you. Therefore, if you pass away, they may have to deal with financial problems. The best way to protect them and make sure that they are able to have the same financial level of comfort after you pass away is to get life insurance. 
• Business owners.  Life insurance helps to cover business debts. For this reason, every business owner should consider getting it. 
• Stay-at-home parents.  According to the website Salary.com, an average salary of a stay-at-home parent is $178,000. It is a high amount to make up for if a stay-at-home parent passes away. For this reason, stay-at-home parents may need life insurance even more than working parents. 
• Single mothers.  The statistics say that over 40% of babies in the US are born to single mothers. Many of these women do not have anyone who is able to support and help them financially. The best way for them to protect their kids is to get life insurance. 
• Singles with no kids.  Even if you an unmarried single person, you still need life insurance. First of all, because funerals are expensive. And second, there are still people who may need financial help after your death – your parents, siblings, or nephews. 

If you realized that you belong to one of these five categories, it is time to get a life insurance policy. Town & Country Insurance serving Buford, GA and other surrounding towns is ready to answer all your questions and find a policy based on your personal and financial needs. Give us a call today to discuss the options available. 

Like any business, your home enterprise needs protection against unfortunate events that can deplete your business finances. At Town & Country Insurance, we’ll assess your home business and recommend appropriate insurance coverage to protect it from harm. Depending on your Buford, GA home enterprise, you may benefit from one or more of the following commercial insurance options:

Property Coverage

Home insurance is designed to protect your home and personal belongings. This may include your business office setup at home, but not your business equipment or inventory. Commercial property insurance will cover your computer, printer, scanner, filing cabinets, and other equipment your business uses at home. This same coverage will protect any inventory you have stored in your house or garage. 

Liability Coverage

If you receive clients regularly at home for business purposes, you may want commercial liability coverage to protect you against accidents. A slip and fall in your driveway could send a client to the hospital with a broken bone, leaving you responsible to pay his medical costs. Commercial liability covers this expense to protect your business profits. It also protects you against lawsuits if someone sues you for damages. Product liability protects you against injuries caused by a product your business produces or sells.

Business Interruption

Even home businesses can be affected by natural disasters. Business interruption insurance covers the loss of revenue, payroll, and other expenses if your home business has to close temporarily due to disaster damage or loss of power.  

Worker’s Comp

If your home business employs three or more part-time, full time or seasonal workers, you’re required to have worker’s comp insurance in Buford, GA by law. This coverage protects your workers from injuries sustained on the job.

To learn more about commercial insurance coverage for home businesses, contact us at Town & Country Insurance.

If you live in Georgia, you’re accustomed to warm, sunny weather many months of the year. It’s perfect for spending time outside. From outdoor enthusiasts who enjoy the adrenaline rush of riding an ATV to those who prefer sunbathing on a boat, nothing brings peace of mind quite like having insurance. Whether you have an ATV, RV, boat, or another recreational vehicle, purchasing insurance is a worthwhile investment. So why should you choose Town & Country Insurance in Buford, GA as your recreational insurance provider? Read on to find out why!

Industry Experience: Town & Country Insurance has been serving Buford, GA for more than 10 years. The agents at Town & Country Insurance have many years of experience in various sectors of the insurance and sales industries. They are extremely knowledgeable and will thoroughly explain your options to ensure that you get a policy that best suits your lifestyle.

Personal Attention: Town & Country Insurance agents provide superior customer service. They take the time to get to know you and your specific needs. At Town & Country Insurance, you’re not just a client – you’re family. Town & Country Insurance agents take the time to get to know you, so you’re guaranteed a recreational insurance plan that is unique and personal.

Options: Interested in insuring an RV or boat? Want to add a supplemental policy for an off-road vehicle to an existing plan? Town & Country Insurance offers plenty of affordable options for recreational insurance. Choose from plans that protect both you and your property.

To learn more about what’s covered in a recreational insurance policy, contact Town & Country Insurance in Buford, GA today!

Life insurance is an important part of every family’s financial planning, not just those that have young children. If you are in the greater Buford, GA area, the team here at Town & Country Insurance is here to help you find the right life insurance policy to meet your family’s current and future needs. There are many benefits to a life insurance policy in addition to the death benefit.

Important facts to know about life insurance 

In addition to the death benefit, there are other important features that can help all GA families, regardless if they have young children or any children at all. For instance, with the policies that provide cash benefits, there is the ability to access those funds for major life expenses. In fact, life insurance can be a key part of college or retirement planning. Think about having the ability to help your grown children with tuition expenses, providing the down payment for their first home, or taking care of their wedding expenses. These are just a few examples of the way that the cash value of a life insurance policy can provide a benefit to you and your family. 

Of course, it is also important to consider life insurance as a way to provide for a spouse after your death. A death benefit can make the difference between staying in the family home and having to move during an already stressful time.

The team at Town & Country Insurance is here to serve all of your insurance needs, including helping you find the right life insurance policy for your Buford GA area family. Don’t be overwhelmed by all of the options available, we are here to help you find the policy that is right for your needs.

One dream that some people have is to eventually start and open their own business. Those that are in the Buford, GA area should consider starting a company in this town. There are many economic benefits in this area that offer a lot of opportunities. When you are looking to start a company in this area, it is important to fully consider your insurance needs. There are many reasons why someone needs to have commercial insurance when starting a company.

Provides Protection From Liability

One important reason why a business should get commercial insurance is that it can provide protection from liability. There is a lot of liability risk that goes along with owning a business. If you have a customer that gets sick or hurt when using your product or service, you could be deemed liable. A full commercial insurance policy will give you coverage to protect against this risk.

Covers Assets From Losses

Starting any type of company will come with an initial investment. This investment is often used to buy inventory and other assets. These assets are often the building blocks of the company and losing them could be devastating. Since the risk of theft, fire, and other negative situations are always present, you need to protect against them as much as possible. The best way to do this is by getting a full commercial insurance policy. 

Those that need to have commercial insurance in the Buford, GA area should call Town & Country Insurance as soon as they can. When they call Town & Country Insurance for their commercial insurance needs, they will quickly find that the company offers great guidance and support. This will help to ensure that you get into a policy that gives the right level of coverage. 

With so much to see and do in Georgia, an RV road trip is sure to be an unforgettable experience. For stress-free travels, make sure you have adequate RV insurance to protect you against breakdowns and accidents. At Town & Country Insurance in Buford, GA, we’ll ensure you have the right insurance coverage to meet Georgia requirements and your personal travel needs.

Mandatory RV Insurance in Georgia

By law, Georgia requires RV drivers to carry minimum liability insurance to pay for injuries or damage to others in accidents they cause. If you cause an accident that sends another driver to the hospital or totals his car, your liability coverage will help pay for his medical bills and loss of property so you don’t suffer financial loss.   

As RVs can cause a lot of damage in an accident, you’d do well to obtain more than just minimum coverage to protect your assets against serious accidents you may cause.

Additional Coverage

Liability RV insurance is mandatory in Georgia to protect other drivers. Additional coverage in the form of collision, comprehensive or uninsured/underinsured motorist (UM) to protect your vehicle against accidental damage is optional.  

Collision insurance pays for repairs to your RV if you collide into another vehicle or object such as a tree or wall.

Comprehensive insurance covers damage caused by non-collision accidents such as falling objects, hail or striking an animal on the road. If your RV is stolen, comprehensive coverage will compensate you for its current market value.

Uninsured/underinsured motorist coverage helps pay for your medical expenses or RV damage if you’re hit by a driver with insufficient or no insurance coverage, which is more common than people imagine.  

For more information about RV insurance and the protection, it has to offer, call or visit us at Town & Country Insurance in Buford, GA.

Life insurance from Town & Country Insurance in Buford, GA can be an investment in your family’s future. You can’t predict when you’ll pass on. You can, however, prepare for unforeseen events by purchasing a life insurance policy today. Here’s how life insurance can help you prepare for the unexpected.

Financial Security

When the time comes, life benefits can provide your family with financial security to carry on after you’re gone. Life benefits can be used to replace lost income, pay off a mortgage or other debts, cover medical expenses, pay for childcare or cover the cost of your children’s college.

If you’re the primary breadwinner in your family, your unexpected demise could leave your spouse and children in dire straits financially. Life benefits will enable your family to maintain the lifestyle they’re used to until your spouse can make provisions for the future.

Support for Aging Parents

In today’s economy, it’s often difficult for seniors to make ends meet after retirement. Your support could be crucial to your parent’s daily living. If you were to unexpectedly pass on, life benefits can continue that support after you’re gone. Your parents can use these benefits to help pay the bills, cover medical costs, start a new business or supplement their retirement.  

Fund a Business Venture

If you’ve started a business with a partner, life benefits can help your partner continue the venture upon your untimely demise. Life benefits can help replace the income you would have invested in the business to help keep your dream alive.

You never know when a fatal accident or illness will result in your unexpected demise. That’s why it’s important to prepare in advance. To learn more about the benefits of purchasing a life insurance policy, contact Town & Country Insurance in Buford, GA.

Business owners in the greater Buford, GA area can rely on the professional agents at Town & Country Insurance to help them meet all of their commercial insurance needs. We understand that it can sometimes be tricky to navigate the world of commercial insurance. There are a lot of options and it isn’t always clear exactly what the appropriate coverage may be. This is especially true when it comes to employees using their own vehicles for company business. Our agents are here to review the relevant information with you today.

What You Need to Know About Employees’ Vehicle Use

Most insurance policies operate on an "excess" basis when it comes to non-owned vehicles. This means that if your employee is involved in an accident, in their own vehicle, while on company business, their insurance will provide the primary coverage. Anything covered that is in excess of their policy is then the responsibility of the company. You can avoid this problem by requiring your employees to carry an appropriate level of coverage on their own policy. It also makes sense to have an enforced policy in place that stipulates who is and is not permitted to drive their personal vehicle for work-related tasks. We also recommend that if your business model calls for the use of employee-owned vehicles that you consider an umbrella policy to cover the increased liability exposure. 

If you are a business owner in the greater Buford, GA area and want to make sure that you have the commercial insurance coverage you need, give us a call. The team at Town & Country Insurance is here to help you find the commercial insurance policy that is right for your needs. Call or stop by today!

Recreation is something that we can all benefit from greatly but not many people know what recreational insurance is. For the most part, this type of policy is going to be geared toward those vehicles and recreational vehicles that are used to recreate. For those in the Buford, GA area, the agents with Town & Country Insurance can help you to find the right recreational policy for you.

Recreational insurance or recreational vehicle insurance is something that anyone that vacations frequently or that has recreational vehicles can benefit from greatly. This can mean off-road vehicles, boats, ATVs, and even RVs in some cases. This is a supplemental policy that can be added to your already existing policies and that can help to greatly improve your overall insurance coverage. A recreational policy can cover property damage, medical payments, personal injury, bodily injury and more.

This type of policy is not required but it can make a big difference in the way that you are covered should something happen when you are out enjoying your recreational vehicles. You can get this type of coverage to help keep your recreational vehicles covered without having to take out a full policy for each recreational vehicle. If you are considering this type of coverage, you should take the time to talk with an agent about what it covers, about what it can do for you, and about how you might benefit from this type of coverage.

Not all policy holders are going to need a full recreational policy and may be able to cover their vehicles on other policies but it is at the very least a good thing to consider. For those in the Buford, GA area, the agents with Town & Country Insurance can help you to get your policy straight.

If you have loved ones to care for, or who you would like to provide financial security for in the event of your unexpected passing, you can protect them with a life insurance policy. However, you may be wondering if you can purchase more than one life insurance policy to give them extra protection.

Purchasing More Than One Life Insurance Policy

If you are interested in providing additional coverage for a loved one, you may, in fact, choose to get an additional policy. You can purchase as many policies as you would like, but make sure that you understand the limitations of the policy before you make a purchase. Not all life insurance providers and policies are identical, so it is important to work with a licensed insurance agent to help you navigate the process. They can outline your needs and suggest options that work for your situation.

Purchasing Life Insurance

The process of finding life insurance can be tricky. You will want to have the help of an experienced agent who knows how to figures out how much life insurance you need as well as help you submit the necessary documentation. They will also be able to handle a claim if the need arises. If you are a resident living in or around the Buford, GA area, you can depend on the life insurance agents at Town & Country Insurance to give you the one on one service you need to protect your loved ones in the future. 

Searching for life insurance doesn’t have to be a challenge. With the assistance of the agents at Town & Country Insurance, serving the residents of Buford, GA, you can get the coverage you need without all of the obstacles.