Insurance

What Types of Vehicles Are Covered By Recreational Insurance?

Posted on by agentinsure

Recreational vehicles offer a gateway to adventure but also come with risks that standard auto insurance may not fully cover. At Town & Country Insurance in Buford, GA, we assist outdoor enthusiasts in protecting their investments with the right recreational insurance. But what exactly falls under this type of coverage? The variety of vehicles that qualify might surprise you.

RVs and Motorhomes

Whether you own a compact camper van or a fully equipped Class A motorhome, recreational insurance is crucial. These vehicles serve as living spaces, necessitating coverage for both auto-related incidents and personal belongings inside. A comprehensive policy ensures you’re protected both on and off the road.

ATVs and UTVs

All-terrain vehicles (ATVs) and utility task vehicles (UTVs) are designed for adventure, but they also come with risks. Accidents on trails or private property can lead to expensive damages and medical expenses. Specialized insurance helps cover liability, collisions, and even theft.

Boats and Personal Watercraft

From speedboats to jet skis, watercraft require their own unique insurance policies. Standard home or auto insurance rarely extends to boats, leaving owners vulnerable to accidents, weather damage, and liability claims. Recreational insurance ensures that a fun day on the water doesn’t turn into a financial burden.

Motorcycles and Dirt Bikes

Motorcycles and dirt bikes need proper coverage, whether cruising highways or tackling off-road trails. Policies can include liability, collision, and comprehensive protection, giving riders peace of mind no matter where their journey takes them.

If you own any of these recreational vehicles, having the right insurance is key to protecting your investment. Town & Country Insurance, serving the greater Buford, GA region, can help you find the perfect policy for your needs. Contact us today to learn more!

What is the Difference Between Product Liability and Excess Liability in Commercial Insurance?

Posted on by agentinsure

When constructing your commercial insurance policy, it’s important to understand the different types of policies and their impact on your business. Two types that often confuse business owners are product liability and excess liability.

Understanding Product Liability

If you’re a business that sells products, there may be instances when your products malfunction or don’t perform as intended. In some cases, depending on the product and material, this could cause property damage and make you liable. This is where product liability comes into play, providing financial coverage for replacing damaged property or bodily injury. This policy only pays out claims related to product defects.

What is Excess Liability?

Opting for excess liability coverage provides additional financial coverage in cases where you’ve been found liable. This policy isn’t limited to product defects but could also be used when services aren’t properly rendered and cause harm to a customer. Essentially, it extends the primary liability coverage found in the main commercial insurance policy. This policy acts as a secondary layer when the first policy is exhausted.

Which Policy Do I Need?

If you own a business that manufactures and sells products, including both policies in your commercial insurance coverage is crucial. They provide various levels of financial protection that ultimately safeguard the business’s assets and prevent you from making difficult decisions regarding your business and its future. These are investments for you as the owner, your employees who depend on the income, and your customers who rely on your products.

If you’re a business owner in the surrounding counties of Buford, GA, contact us today for more information. Our Town & Country Insurance agents are here to assist you with your personalized commercial insurance quote.

What Types of Recreational Vehicles Are You Legally Required to Insure in the State of Georgia?

Posted on by agentinsure

For many in Georgia, exploring the great outdoors is a favorite pastime. Ensuring you have the right insurance for your recreational vehicles (RVs) is crucial. At Town & Country Insurance, serving the greater Buford, GA region, we aim to inform you about the types of RVs requiring insurance in our state.

Motorhomes and RVs

In Georgia, motorhome owners are legally required to carry insurance. This is because motorhomes are considered motor vehicles, much like cars. The state mandates minimum liability coverage to protect you and others in the event of an accident.

Travel Trailers

Unlike motorhomes, travel trailers are not self-propelled and generally do not require insurance by Georgia law. However, insuring them is still a smart choice to protect against theft, damage, or liability issues while towing.

ATVs and Dirt Bikes

All-terrain vehicles (ATVs) and dirt bikes are popular for off-road adventures. While insurance is not required for operation on private lands, it is advisable to have insurance to cover potential accidents or damages if you plan to ride them on public roads or properties.

Boats and Personal Watercraft

Insurance for boats and personal watercraft is required by Georgia law if you are financing them. Even if not required, having coverage can protect you from liability and damage while enjoying time on the water.

Stay Protected on Your Adventures

Understanding insurance requirements for your recreational vehicles can save you from unexpected financial burdens. To ensure you have the right coverage, reach out to Town & Country Insurance, serving the area in and around Buford, GA. Our team is here to help you navigate your options and keep you protected on all your adventures.

Purchasing Life Insurance for Your Children

Posted on by agentinsure

At Town & Country Insurance, we prioritize your family’s safety and financial security in Buford, GA. Today, we explore a topic that might seem uncomfortable for most parents, yet it’s one that needs careful consideration – procuring life insurance for their children.

When Should You Insure Your Child?

Life insurance is essential for children from birth until they become adults. At adulthood, they may opt to convert the policy and bear the premium costs themselves. While some schools provide insurance via group programs, it’s incumbent on parents or guardians to purchase a policy that covers the child before they commence school. Such a policy should ideally be maintained until the child turns 18.

Affordable Coverage

Life insurance premiums are age-dependent. Children’s life insurance policies attract the lowest premiums since the probability of their death is minimal. But the question arises: why invest in life coverage for them?

Benefits of Life Insurance

Life insurance offers various protection layers, contingent on the type of policy you purchase. Buying a life insurance policy with a cash value account for your child can cover unexpected funeral costs via the death benefit. In addition, the cash value account can also function as a financial reserve in case your child falls ill or suffers an injury.

A cash value account operates like a savings account, typically offering high interest. Each premium payment contributes a portion to this savings account. Once the account matures, borrowing against it is allowed. If your child requires funds for medical treatment, this account provides it, even if other forms of insurance do not cover the treatment.

Ensure Your Child’s Future Today

Contact Town & Country Insurance today to investigate the myriad life insurance options available to Buford, GA, residents. Life insurance provides financial flexibility that can secure your child’s future and relieve the financial stress in the event of their unfortunate demise.

Commercial Insurance: Protection for Owners and Their Companies

Posted on by agentinsure

The Importance of Commercial Insurance for Business Owners

Being a business owner comes with its share of risks, regardless of whether you’re a recognizable name or featured on the Forbes’ list of top 100 businesses. All businesses are potential targets for would-be criminals and are susceptible to risks like fires, flooding, and storm damage. These are some of the reasons why business owners in and around the greater Buford, GA area rely on the professional and friendly team at Town & Country Insurance for their commercial insurance needs.

Providing Protection for Business Owners and Their Enterprises

For many businesses, the company represents a significant or sole source of income. Essentially, the business is their livelihood. Consequently, commercial insurance often serves to protect the business owner and their family and safeguard the business itself. After all, for small businesses, they can often be one and the same.

Commercial insurance benefits businesses of all sizes, from safeguarding a family-owned business to saving sizeable costs for larger corporations. A professional and experienced agent can conduct a business audit, assisting business owners in determining the protection they need for their enterprises and often offering much more.

Meeting Commercial Insurance Needs for Businesses in Buford, GA Area

If you’re a business owner in the Buford, GA, area seeking commercial insurance or have questions about it, we at Town & Country Insurance can assist. Our professional team can fulfill the needs of small, midsize, and large businesses. Contact us today to learn more about the protection your business deserves and schedule an appointment with Town & Country Insurance.

Who needs to have a recreational insurance plan when they are in Georgia?

Posted on by agentinsure

Living in the Buford, GA area presents an excellent opportunity to invest in a recreational toy or asset. Owning one allows you to have fun and enjoy the wonderful outdoors in the area. However, it’s also essential to consider your insurance needs for these assets. There are numerous situations when you’ll need to have a recreational insurance plan in this area.

When Trying to Protect Asset

A common situation requiring a recreational insurance plan arises when you are trying to protect your assets. If you plan to invest in a recreational asset, you must ensure it is adequately covered with insurance. A recreational insurance plan provides support if you suffer a loss due to theft or damage.

Liability Mitigation

Owners of recreational assets also need to consider their liability risks. If you cause an accident, you’ll be responsible for covering any related damages. Maintaining a recreational insurance plan provides the coverage needed to mitigate this risk effectively. This can offer peace of mind and substantial financial protection.

If you are planning to purchase a recreational asset and live in the Buford, GA, area, it’s important that you properly insure it as well. A great way to protect your assets is to contact the Town & Country Insurance team. Our dedicated professionals will provide guidance to build a suitable plan to protect your assets.

The Benefits of Term Life Insurance

Posted on by agentinsure

Term life insurance is a straightforward and affordable way to provide financial security for your loved ones. Understanding the benefits of this type of insurance can help you make an informed decision about your family’s financial security in the event of a tragic passing.

Affordability

One of the most appealing aspects of term life insurance is how affordable it is. Compared with whole life insurance, term policies typically have lower premiums. This makes them accessible for families with lower incomes and a good choice for Buford, GA residents who want coverage at lower rates.

With term life, budget needn’t prevent you from securing the life insurance that your family should have.

Flexibility

Term life insurance is known for its flexibility. You can choose the term length that best suits your family’s protection needs—such as 10, 20, or 30 years. This flexibility makes it easier to align your coverage with the timing of specific financial obligations, such as a mortgage or your children’s education. 

Contact our agents at Town & Country Insurance for help determining how long you should get term life coverage.

Simplicity

Term life insurance policies are simple to understand. They provide a guaranteed death benefit if the policyholder passes away from a covered cause, and coverage applies for a specific period.

Peace of Mind

Ultimately, term life insurance’s primary benefit is its peace of mind. Knowing that your loved ones will have financial support in the event of your unexpected passing can relieve a great deal of stress and uncertainty.

Protect Your Family Today

If you’re in Buford, GA, reach out to us at Town & Country Insurance for help finding life insurance. We can help you understand your options and choose a term life insurance plan that suits your family’s situation well.

Three Optional Types of Commercial Insurance

Posted on by agentinsure

There are some types of commercial insurance, such as commercial auto insurance, that are required for businesses. However, several types are optional. These are often important types of commercial insurance that a company needs to have the proper protection. There are many types of insurance. The kind you get depends on what you sell and how you sell it. When you need commercial insurance, call us at Town & Country Insurance in Buford, GA.

Premises Liability 

If you have a storefront for your business, the public will enter your premises. This can open you up to a lot of liability if someone has an accident there. There are countless ways that people can get injured on any premises, even if you don’t have dangerous things to sell. Someone can easily slip and fall and have a costly injury from it. This insurance covers your liability.  

Product Liability 

If you sell a physical product, there are countless ways the item can hurt people. No matter what the product is, you need to have product liability insurance. This covers the costs that can be associated with a customer being injured by a product. This can also keep people from suing you if this does happen. Instead, they would sue your insurance company. 

Cyber Insurance 

If you use computers in your business, especially if you collect customer data, you could be liable if there is a data breach. This can be a costly problem to solve. With cyber insurance, those costs can be covered by your insurance company instead of by your business. 

Get Commercial Coverage

When you have a business, it will need certain types of protection. When you need commercial insurance policies, call us at Town & Country Insurance in Buford, GA. 

Getting Your Recreational Vehicles Ready for Spring

Posted on by agentinsure

At Town & Country Insurance, we see firsthand all the effort our neighbors put into winterizing their RVs, ATVs, dune buggies, and other recreational vehicles. According to Camping World, most RV owners neglect preparing their vehicles for spring. That may extend to smaller vehicles like ATVs and dune buggies, too, so we put together this blog of tips for getting your recreational cars ready for spring use in and around Buford, GA.

Test Safety Features Before Use

After sitting parked for months, your RV needs its safety mechanisms examined and tested before you hit the road. Test each alarm or detector for proper function and test their batteries. If you find a dead or dying battery in your fire alarm, smoke detector, carbon monoxide detector, or LP gas detector, replace it immediately. Examine your fire extinguisher, too.

Run a Check of All Major Systems

On RVs and smaller vehicles, test the electrical systems and tires. Examine the propane or butane system on the RV, including its seals. Check for leaks before putting the system to use.

Inspect the battery connections and fluid levels on every vehicle, then charge the battery. Run a diagnostic on your RV generator and check its air filter. Replace a dirty filter.

Water and Waste Tanks

Your RV’s water and waste tanks need a new anode rod. Repressurize your system using a hose or a full water tank and water pump. Flush out all the winter antifreeze by running the faucets and shower. Flush the toilet to clean it out.

Getting Ready to Hit the Road

Clean and detail the exterior and interior of the RV or other recreational vehicles. Start your spring use of your recreational vehicles the right way. Contact Town & Country Insurance, serving Buford, GA, for RV insurance to protect your financial security while you enjoy your RV and other recreational toys.

Because Everyone Needs Life Insurance Sooner or Later

Posted on by agentinsure

Life insurance isn’t something people might need, like auto or home insurance, it is a resource all of us will need at some point. From understanding how life insurance can benefit your life and family to learning about what options work best for your life, Town & Country Insurance helps people from all over the Buford, GA area with all their life insurance needs.

Because Everyone Needs Life Insurance Sooner or Later

Most of us don’t spend much time thinking about end-of-life preparation or planning. The good news is, we also shouldn’t have to, but that doesn’t mean it is a concern we should ignore either.

With the right partner in life insurance and life insurance plans, people don’t have to worry about concerns like burial costs and other end-of-life expenses. The key is to figure out what type of plan meets your needs and have a professional partner to help with all your life insurance concerns.

How to Choose the Right Life Insurance Plan

How much is enough? How much is too much? How do you expect the needs of you and your family to change over the years? These are questions and considerations that the professional, experienced, and friendly agents at Town & Country Insurance can help you figure out and answer.

If you live in or around the Buford, GA area and have questions about life insurance or are shopping for life insurance plans, we invite you to visit us for all your life insurance needs. Contact us to learn how we can help and get the life insurance plans that fit your life and needs today with your local agents at Town & Country Insurance.