Author: agentinsure

Are There Items Not Covered by Home Insurance?

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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

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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

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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

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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?

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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

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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?

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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.

4 myths about life insurance

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While many financial experts advocate for parents to have life insurance, very few people want to talk about death. But that’s not the only reason why people are still reluctant to buy life insurance in Buford, GA.

There are many misconceptions about the policy that leave buyers more confused than before. Life insurance is also complex to understand, and you may end up purchasing or making the wrong choices if you’re not adequately informed. Here are four common myths about life insurance.

1. It’s expensive

The main reason why many people don’t buy life insurance is that they believe it’s too expensive. Young people think they cannot afford it, given that they may have to pay for very many months. Life insurance is cheapest when young and expensive when old, and that’s why Town & Country Insurance recommends buying life insurance when you’re younger because your rates won’t change.

2. If you’re young and healthy, you don’t need insurance

Unless you plan not to have a family and have enough money for your burial, life insurance can be used for various financial reasons, not just a family. Your life insurance needs keep changing as you grow older. And the older you get, the more expensive it gets.

3. You can buy insurance whenever you want

It’s not always the case. If you have been diagnosed with a terminal illness and have a few weeks to live, it may be too late to buy life insurance. Similarly, some insurance companies don’t sell insurance to seniors above the age of 90.

4. If you’re single, you don’t need life insurance

People buy life insurance for different reasons. If you plan to be single the rest of your life, you have parents who could use your financial support, your business that you started and want it to grow years after you pass away, or even a charity organization you want to help.

To get more helpful information about life insurance in Buford, GA, feel free to contact Town & Country Insurance.

Do Buford property owners need home insurance?

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The Buford, GA area continues to be a great place for people to live and move to. If you are interested in this area of Georgia, you should consider purchasing a home when you move in. Those that do buy a home here can benefit in several ways. Along with buying a home, you also need to carefully consider your insurance needs. There are a few reasons why property owners here need this coverage. 

Insurance Provides Important Coverage

The reason that most people need to get a home insurance plan is that it gives great coverage and protection. If you are going to purchase a home here it is important that you get the protection that could be used to repair it if there is damage. Further, a home insurance plan will give you coverage for personal liability risk, which will be helpful if there is an accident in your home that results in injuries to a guest.

Insurance is Required by Lenders

Taking out a mortgage is a good way to finance your home purchase. Those that do decide to buy a home with a mortgage will have specific insurance requirements set by their lender. They will likely have to review and approve your policy while also requiring you to escrow payments each month. 

There are always going to be plenty of reasons for those that are in the Buford, GA area to get a home insurance plan. If you are considering getting this insurance here, it would be helpful to call Town & Country Insurance. The insurance team with Town & Country Insurance can help you determine your insurance needs and build a plan accordingly. This will give comfort that your home is protected and you are in compliance with all insurance obligations. 

Do I need to get commercial insurance in Georgia?

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If you are in the Buford, GA area you may find that it can be a great place to start and grow a company. If you would like to start a company in this area of the state, a great way to protect it would be by getting a commercial insurance plan. A business owner here will need to get a commercial insurance plan for a few different reasons. 

Insurance Protects Solvency of Business

One important reason to get a commercial insurance plan when you are in Georgia is that it could protect the future solvency of your business. When you have a commercial insurance plan, it will protect all of the assets of your business and can offset commercial liability risk. This will ultimately prove to be a very important form of protection that could keep you solvent in some difficult situations. 

Insurance is a Requirement for Many

You will also need to get a commercial insurance plan because it is a requirement for a lot of business owners. Depending on your situation, you may need to raise money through a loan or through an equity investment. If this is the case, the bank or investor will want to know that their investment is protected. A great way that they can do this is by requiring you to maintain commercial insurance coverage. 

If you are a business owner in the Buford, GA area and need to evaluate your insurance options, it would be a good idea to call Town & Country Insurance. The insurance professionals that are with Town & Country Insurance can offer you great guidance and support. They are able to help you evaluate all of your options, which can help to ensure you are able to build a quality policy that meets your needs.