Protecting Your Personal Belongings with Recreational Insurance

Posted on by agentinsure

Vacations, outdoor explorations, and recreational activities are meant to be fun. However, many things can happen in the blink of an eye when you are out and about in Buford, GA. Town & Country Insurance explores recreational insurance, what kind of belongings it covers, and why you need it. 

What is Recreational Insurance? 

Recreational insurance provides coverage for a range of personal effects, vehicles, equipment, and activities that enable you to indulge in outdoor activities safely. It includes insurance for motorhomes, travel trailers, boats, ATVs, snowmobiles, and other adventure vehicles.

What Should Recreational Insurance Cover? 

When obtaining recreational insurance, it is important to understand what items it covers fully. After all, you want to ensure everything you value is protected. A good recreational insurance policy should cover your vehicles, including the trailer or RV you may have, as well as belongings such as equipment, accessories, and any personal items that you bring on your trip. This can include outdoor gear, electronics, jewelry, and other valuable items.

Why Do You Need Recreational Insurance? 

You need recreational insurance to help you recover financial losses in accidents, theft, or other unexpected events. Whether it’s damage to your recreational vehicle or theft of personal belongings, the insurance will help cover the cost of repairs or replacements. Furthermore, it can provide liability coverage if someone else is injured or their property is damaged during the use of your recreational vehicle or the moving of your belongings.

Reach Out To Us

By getting the right recreational insurance policy in the Buford, GA community, you can protect your belongings and enjoy your time knowing you are protected. So, don’t hesitate – contact Town & Country Insurance to get the best coverage for your needs.

Do I have to get my spouse’s permission to get them a life insurance policy?

Posted on by agentinsure

Losing a loved one can be one of the most difficult challenges in Buford GA. However, ensuring that your family is financially taken care of can go a long way in easing the burden during this difficult time. But what happens when you want a life insurance policy for your spouse?

Do you need their permission to do so? 

The answer is no. Consent from your spouse is not required to take out a life insurance policy from Town & Country Insurance. However, it’s important to note that if you decide to take out a policy, you must have an insurable interest in their life. This means that you will suffer a financial loss in the event of the death of your spouse.

You might consider getting life insurance for your spouse for several reasons. For example, if you depend on two incomes to maintain your household, the death of your spouse could put you in a financial bind. Additionally, it can help cover funeral and burial costs and outstanding debts and provide income for your family while they adjust to life without your spouse’s income.

When determining the amount of coverage needed for a life insurance policy for your spouse, consider factors such as their income and their contribution to household expenses. Also, consider any debts your spouse may have, such as mortgages, loans, or credit card balances.  

Reach Out To Us

Your spouse’s consent is not required to take out a life insurance policy on their life, provided you have an insurable interest. If you are near Buford, GA, contact Town & Country Insurance for answers to all your questions about life insurance.

Georgia Commercial Insurance: The Basics

Posted on by agentinsure

Are you a business owner in the Peach State looking for the right insurance coverage? Town & Country Insurance in Buford, GA is here to help you navigate the complex world of commercial insurance. With tailored policies designed to safeguard your business, the agency’s experts are ready to guide you in finding the perfect coverage for your unique needs.

Commercial insurance is crucial for protecting your business assets, employees, and financial well-being. We offer comprehensive insurance solutions to businesses of all sizes and types.

Here are the basics of Georgia commercial insurance to help you make informed decisions:

General Liability Insurance:

This essential coverage protects your business from financial losses resulting from third-party bodily injury, property damage, or personal and advertising injury claims. It is a foundational policy for businesses of all sizes.

Property Insurance:

Protect your physical assets, such as buildings, equipment, and inventory, from damage caused by fire, theft, and other covered perils. This policy is a must-have for businesses with substantial investments in physical assets.

Workers’ Compensation Insurance:

In Georgia, businesses with three or more employees are required to carry workers’ compensation insurance. This policy covers medical expenses and lost wages for employees injured on the job, while also providing employers with protection against potential lawsuits.

Commercial Auto Insurance:

If your business owns, leases, or uses vehicles for work-related purposes, commercial auto insurance is necessary. This coverage protects against liability and physical damage resulting from accidents involving your business vehicles.

Business Owners Policy (BOP):

A BOP combines general liability, property insurance, and business interruption coverage into one convenient package. It is an excellent option for small to medium-sized businesses looking for comprehensive protection.

We Are Here To Help!

As a business owner, understanding your commercial insurance needs is crucial for long-term success. Contact Town & Country Insurance to discuss your specific requirements and find the best coverage for your enterprise in Buford, GA. For more information, reach out to our knowledgeable team today.

Are There Items Not Covered by Home Insurance?

Posted on by agentinsure

Yes. Termite, insect, and rodent damage is not covered by insurance. Rot, mold, and mildew aren’t covered, either. These are the results of negligence in not properly maintaining the house. If damage stems from ordinary wear and tear on the house, then it won’t be covered by home insurance. What else isn’t covered? Town & Country Insurance in Buford, GA will tell you all about it.

What Isn’t Typically Covered Under Home Insurance?

Identity Theft

When we think of home insurance, we think of catastrophes like fire, floods, and earthquakes. What we don’t think of is identity theft. No insurance covers that.  

Dangerous Dog Breeds

Depending on how certain breeds of dogs are raised (with love or with anger,) they either cuddle or bite. For instance, we’ve had pitties that thought they were lap dogs, but they frighten everyone else. Forget home insurance if you have a “dangerous” dog.

Home-Based Businesses

Running a daycare or running a puppy training program in your home could result in damage to the home. While toddlers and puppies are fun and cuddly, they also chew on the oddest things. Don’t expect home insurance to help.

Nuclear Hazards

Nor do we think of nuclear hazards in connection with home insurance. There’s a nuclear power plant near dozens of major cities. If something happened to the inner workings of the plant, it could mean an explosion. It would mean radiation. Unfortunately, your house won’t be covered. 

War

We’ve all seen the pictures on the news of war in the Middle East and other areas. The houses are shot up, on fire, or just demolished. If war should land on our shores, home insurance would disappear.

Give Us A Call

Town & Country Insurance in Buford, GA knows what is and isn’t covered by home insurance. Drop by today or call to discuss it with our insurance professionals.

Three misconceptions about recreational insurance

Posted on by agentinsure

If you own a recreational vehicle, it’s definitely a good idea to purchase an insurance policy that will cover the liabilities and expenses you face. Recreational vehicle owners in Buford, GA can purchase their recreational insurance from Town & Country Insurance.

The following are three misconceptions about recreational insurance:

Recreational insurance isn’t really necessary for those who don’t use their RV very much.

It doesn’t matter how infrequently you use your recreational vehicle. You still need to make sure that you’re carrying recreational insurance whenever you’re out on public roads. 

Recreational insurance is almost definitely going to be a necessity for you regardless of how infrequently you use your RV. 

Those who have home insurance don’t need recreational insurance.

Unfortunately, you cannot rely on your home insurance policy to cover all your recreational insurance needs.

Home insurance may offer you limited coverage when your recreational vehicle is being stored on your property. However, home insurance won’t cover your recreational vehicle when you’re out on the roads. 

Recreational insurance policies are all very similar. 

It’s important to carefully consider recreational insurance policy offerings. Not all recreational insurance policies are the same. There are a lot of differences in terms of what types of coverage and how much coverage individual recreational insurance policies offer. 

Give Us A Call

At Town & Country Insurance, we’re here to help RV owners in Buford, GA to get the insurance coverage that they need. If you are on the market for recreational insurance and would like to get a quote, we’re here to come to your assistance. Contact us today so that you can learn more about our recreational vehicle insurance offerings. 

Common Life Insurance Terms

Posted on by agentinsure

The laws in Buford, GA do not compel a person to purchase life insurance, but this tool is one way to help ensure your survivors are less impacted financially by your passing. Your knowledgeable Town & Country Insurance agent can help you further in discussing your options. It’s important to understand some of the more common life insurance terms when shopping for a policy that is right for you.

Common Life Insurance Terms

Beneficiary 

This refers to those whom you name on your policy to receive a payment upon your death. This can be any person you choose and does not have to be a blood relative. It can also be a charity, a trust you create, or an estate. 

Death Benefit

The death benefit is the agreed-upon amount of money that a beneficiary will receive when you pass away. Your account must be in good standing with premiums paid up to date. 

Annuity

This is an option to take the death benefit in the form of payment that is allocated in installments that occur over time and provides a predictable source of income. 

Rating

A rating is an additional amount that is added to an otherwise standard policy because you are determined to be of greater risk than average. This can be due to health or because of a particularly hazardous occupation. 

Policy Loan

This is a provision of whole and universal life policies wherein the insured can borrow against the accumulated premiums. This amount will be subtracted from the death benefit if there is an outstanding balance when the borrower dies. 

Town & Country Insurance is Here to Assist You

We specialize in providing individualized insurance products and services to meet your needs, and we invite you to reach out online or by phone to schedule an appointment. We serve clients in the Buford, GA area. 

Avoid These Mistakes When Buying Auto Insurance

Posted on by agentinsure

If you’re in the market for a new car, buying auto insurance is one of the decisions you’ll need to make. After all, this is a legal requirement in Buford, GA. But when this is your first time buying auto insurance, you can make mistakes that will impact you negatively down the line. This doesn’t have to be your experience.  We at Town & Country Insurance are here to explain some common auto insurance mistakes you should avoid.

Common Auto Insurance Mistakes to Avoid

Not Doing Basic Research

Shopping for an auto insurance policy is like shopping for any other product or service. This is particularly important when purchasing insurance online. Research the company you want to partner with to be confident you’re choosing the right insurance provider.

Not Knowing Which Coverage Options You Need

There are different types of auto insurance coverage options. They include liability coverage, comprehensive, collision, medical payments, and uninsured/ underinsured coverage. Each option offers you a different type of protection. Let us help you understand what each policy entails before deciding which one is right for you.

Lying on Your Car Insurance Application

It’s never a good idea to lie on your car insurance application. Most people fail to disclose how they plan to use their vehicles or refuse to add young drivers to their policies. You may be trying to avoid additional expenses by lying, only for things to backfire when your car is involved in an accident. Be honest so that your policy can protect you adequately.

Forgetting to Update Your Insurance Policy

Forgetting isn’t the same as lying, but it’s also a mistake some policyholders make. For instance, some people forget to add their kids to their existing policy. If any change happens in your life and it impacts your policy, make sure you update it.

We Are Here To Help!

At Town & Country Insurance, we want to ensure you don’t make these mistakes. Our Buford, GA agents are ready to guide you and answer any questions you may have. Call us today.

Should I get a commercial insurance plan in Georgia?

Posted on by agentinsure

People that live in the Buford, GA area and dream of starting their own business will find that the area has a lot to offer. Those that are in this area of the state and would like to start a business will also notice there are various business risks that need to be mitigated. One great way that this can be done is by getting a commercial insurance policy.

You should get this coverage for a few reasons:

Protect Your Business

The first reason that you should get a commercial coverage policy in this area of Georgia is that it can help to protect your business. A business owner is going to take on some risks on a regular basis. This can include risks associated with having core assets stolen or damaged and liability risks. A proper commercial plan will give you the coverage needed to mitigate these risks. 

Ensures Compliance with Requirements

You also need to get a commercial insurance plan to ensure that you are in full compliance with your requirements. Anyone that would like to run their own business will be required to get coverage to comply with any requirements set in loan agreements, commercial leases, or other contracts. If you do not maintain this coverage, you could face various penalties in the future.

Contact Us Today

As you are looking to insure your property in the Buford, GA area, it would be wise to call Town & Country Insurance. There are a lot of great reasons to speak with Town & Country Insurance as the company understands the importance of this insurance. The team can also provide you with the ongoing support you need to build an appropriate plan. This can help to ensure that you remain properly protected and in compliance with all insurance requirements. 

Ready to Buy a Home? Don’t Forget About Homeowners Insurance

Posted on by agentinsure

Homeowners insurance is one of those things you know you need, but it’s easy to forget about when you’re buying a new home. However, homeowners insurance is an important part of protecting your investment, and it’s important to ensure that you have the right coverage in place before you move in. Town & Country Insurance in Buford, GA can help you navigate this vital coverage. 

Here are a few reasons why you shouldn’t forget about homeowners insurance when buying a new home:

1. It Can Help You Avoid Out-of-Pocket Expenses

If you don’t have homeowners insurance and your home is damaged, you’ll be responsible for paying for repairs or replacement yourself. This can be a very expensive proposition, especially if extensive damage has been done. Homeowners insurance can help you avoid having to pay out of pocket for repairs or replacement, as it can cover the cost of these things up to your policy limits.

2. It Can Give You Peace of Mind

Knowing that you have homeowners insurance can give you peace of mind in knowing your home is protected. This can be especially important if you have experienced an event that has damaged your home in the past. Having insurance can help you feel more secure in your investment and give you peace of mind knowing that you’re covered.

3. It’s Required by Most Mortgage Lenders

If you’re financing your home with a mortgage, your lender will likely require you to have homeowners insurance in place. This is because the lender wants to ensure that their investment is protected in case of damage to the home. If you don’t have insurance, you may be putting your loan at risk.

Get Homeowners Insurance Today

As you can see, there are many good reasons to ensure you have homeowners insurance when purchasing a new home. Town & Country Insurance in Buford, GA can help you find the right coverage for your needs and budget. Don’t wait until it’s too late. Call us today and let us help you protect your investment.

When Should I Think About Adding to My Homeowners Insurance Coverage?

Posted on by agentinsure

Having homeowners insurance for your Buford, GA home is very important. It means that you have covered against the possible uncertainties. However, just like any other insurance policy, homeowners’ plans are limited to some instances. In such situations, you need to consider adding to your existing plan. Town & Country Insurance gives some tips on when to add to your home insurance plan.

New Home Improvements

Many people consider home improvement after every five years. If you happen to improve your house with some new additions, you need to add to your existing home insurance policy. This will help you to cover the new additions that you have made to your property. 

After Buying Artworks and Antiques

Most of the standard homeowners’ insurance will not cover artwork and antiques. These are high-value items that most insurance companies will not be willing to replace or repair. However, you need to cover them as well with a new insurance policy. The only way you can do this is by adding a new insurance policy. 

Jewelry Additions

Basic home insurance does not cover more than $1,000 of jewelry. If you have bought some new jewelry, there is no doubt that it will not cover by your homeowners’ insurance. Get addition to protect your new valuable items.

Furniture Upgrades

Furniture is covered by homeowners insurance. However, when you have some improvement on some of your furniture, you need to notify your insurance company so that you can adjust your coverage limit. However, you can consider adding your homeowners’ insurance to cater to the upgraded value of your furniture. 

Consult Insurance Professionals

Adding your homeowners’ insurance is very complex. That is why you need consultancy services from insurance professions. Town & Country Insurance is your one-stop insurance company in Buford, GA. Consult us today for tips on when you need to add to your existing home insurance.