For many people of older age, turning 20 seems like it was so long ago. And the truth is, turning 20 means you’re still fairly young. It also means you’re an adult and you need to take essential steps to set yourself up for a future that brings you peace of mind. From securing employment to going to college to investing in life insurance, there are several things you can do when you turn 20 that will help you obtain a peaceful future. Here at Town & Country Insurance, we’d like to provide you with a few reasons to make these critical decisions. 

Going to College

There has been a lot of debate lately regarding the cost and opportunity of going to college. For some people in Buford, GA, the cost of attending college and the available job opportunities doesn’t make financial sense. For others, though, going to college is the smartest move to make, especially for those going into the healthcare field. If you are thinking about going to college, it is imperative that you compare the cost of college and your expected salary once you graduate. 

Securing Employment

Whether you go to college or not, it’s a good idea to have a job when you’re 20. If you’re in college, then you may want to get a part-time job so you can have enough time and attention to direct toward your studies. Still yet, having a job while you’re young is an excellent way to gain valuable real-world working experience. 

Investing in Life Insurance

The younger you are, the cheaper life insurance is going to be. This is why all young people should purchase a policy as soon as possible. Not only does it help secure low premiums, but it also helps you sleep well at night knowing you are going to protect the financial future of your soon-to-be spouse and children. 

To learn more about the advantages of investing in life insurance, contact Town & Country Insurance serving the Buford, GA area. 

Most business owners know that they need insurance coverage for protection due to fire, theft, injury, and liability. However, whether you are a small Buford, GA business or a large corporation, you need to protect yourself from cybersecurity breaches, too. Statistics show that after having their computer system hacked, 50 percent of small companies go out of business. One of the main reasons is because they don’t have data breaches and cyber liability insurance coverage. Keeping your business safe from criminal hacking is key. Here’s what you need to know about cyber liability from Town & Country Insurance.  

Small businesses are a favorite target

While big data breaches get all the headlines, 43 percent of all cyber-attacks happen to small firms, according to Small Business Trends. 

Restoring your reputation is costly

A firm’s reputation drops after a data breach. Your customers may become wary. It is estimated with firms that have been hacked, they lose up to a third of their customer base, on average. It may take a lot of money and years of confidence-building to rebuild your reputation.  

Cybersecurity liability isn’t just about hacking

You could be held liable for any cost that involves loss of data, such as data breached on a customer’s stolen, or lost, laptop or smartphone.  

What Does Cyber Liability Insurance Cover? 

In addition to protection from business losses due to loss of data, extortion, disruption of activity, and computer fraud, a basic cyber liability insurance policy typically covers costs relating to: 

• Repairing affected computer systems 
• Notifying authorities and victims who may be affected by a breach of data 
• Defense against regulatory penalties and fines 
• Victims losses due to identity theft 
• Rebuilding your reputation 
• Lawsuits and class action suits claiming breach damages 
• Liability for copyright infringement or malicious falsehoods a hacker may insert 

If your business relies on networked technology, you need data breach insurance and cyber liability insurance. Town & Country Insurance has the experience and expertise to help you protect yourself from cyber crimes. If you live in Buford, GA, call us today to find out more about how we can tailor a policy to meet your specific needs. 

There are many facets to recreational insurance coverage. Whether you live in your RV fulltime or use it mostly for road trips, insurance is a must to protect your interests. At Town & Country Insurance, we recognize the importance of getting the right insurance coverage for your vehicle. Here are some of the most important features that RV insurance has to offer.   

Liability Protection  

RV liability coverage is mandatory in Georgia, with minimum requirements being $25,000 per person for both bodily injury and property damage. If you travel frequently around Buford, GA or beyond, you should consider getting more than just minimum liability coverage. Extra liability coverage will protect your assets if you’re found liable for an accident that causes serious injuries or property damage to other motorists.

Protection for Your Vehicle

At the same time, you need protection for your own investment, especially if you’re still paying off your vehicle. Collision coverage will help pay for damages to your RV if you crash into another vehicle. This will greatly reduce the amount of money you spend out of pocket. With replacement coverage, your insurer will cover the cost of replacing your RV if it’s totaled in a crash.

If you travel a lot, you should consider comprehensive coverage as it protects you against theft and damages caused by inclement weather. You may also want uninsured motorist insurance in case you’re hit by someone who has insufficient coverage or no insurance coverage at all. You don’t want to be left footing the bill for accidents caused by others.

RV Insurance Costs

When choosing RV insurance, consider the value, age, and condition of your vehicle as well as how your RV is used. By being selective in your coverage, you can get adequate protection without straining your budget. For quality insurance protection at affordable costs, contact Town & Country Insurance in Buford, GA.

Like most types of insurance, life insurance comes with many different choices depending on your specific circumstances. This is good news because it allows a person to customize their policy however they like, but it can also be confusing to be presented with so many choices (not to mention the insurance jargon that comes with all those choices.) Two major types of insurance include permanent and term insurance, and they each come with specific benefits. Town & Country Insurance wants the people of Buford, GA to learn more about when to choose one over the other. 

Insurance with a Deadline 

You can think of term insurance as having a specific deadline based on the policyholder’s wishes. The most common way it’s used is to provide for minors until they come of age. So if you have three children, you might want to set your life insurance to expire when the youngest turns 21. This way, you know they’ll be taken care of if something happens to you. If you would prefer to have a policy for your spouse or your children no matter what, then you should choose permanent insurance instead. 

Finding Help 

Term life insurance tends to be a lot more affordable than permanent insurance, but permanent insurance also offers a savings component that term insurance doesn’t. In other words, if you happen to hit a financial emergency, then you can borrow against your permanent life insurance policy. Calling Town & Country Insurance is an excellent way to sort out which policy is right for you. If you live in Buford, GA, give us a call today to find out more about how policies can be personally tailored to fit your specific needs, no matter what your financial or dependent situation happens to be. 

When you own a business, it is imperative that you also have an excellent commercial insurance policy in place as well. However, not all commercial insurance policies are created equally. In fact, they are all created differently based on the type of business you have and what kind of coverage you need. Here at Town & Country Insurance, serving Buford, GA, we know that you need to be careful when buying commercial insurance. Use these tips to make sure you get everything you need in your policy. 

• Be detailed regarding the work you do – When you are talking to an agent, you want to make sure that they know what you do. This will help them develop a policy that meets your needs. Going into detail is the only way to make sure you get what you need. 
• Think through your employment policies – Commercial insurance should also take into account your employees and the liability that comes with them. Not only do you want to make sure that you protect your employees but also your business from your employees. The right commercial insurance policy is the perfect way to do both of these things as long as the policy has been crafted in a way that works both ways. 

As you can see, there are many different things to take into account when you are getting a commercial insurance policy. Even if you do not want to go through these steps, it is essential to get everything you need in one policy. Having the right agent on your side is imperative. If you are interested in getting commercial insurance for your business, be sure to reach out to Town & Country Insurance, serving Buford, GA, to speak with an agent and learn how to get started.

Many residents of the greater Buford, GA area are outdoor enthusiasts, and when the weather is nice, you can often find them on the water or out in the woods. If you have a recreational vehicle such as an ATV or jetski, having adequate insurance coverage is often a smart idea. Town & Country Insurance is here to help you meet those needs and help you rest easy knowing that you have adequate coverage of your toy vehicle. An insurance policy that covers children and underage operators is often beneficial if your kids are using these vehicles.

Coverage for Theft, Damage, and Liability

Certain toy vehicles require registration and insurance coverage while others do not. For example, if you do not take your ATV on the road but simply use it as a trail vehicle, it may not be required under Georgia law to be registered or insured. However, Town & Country Insurance recommends that their clients in the Buford, GA area carry insurance for all of their vehicles whether they are used on the road or not. 

Liability protection is the most compelling reason to carry insurance for your recreational vehicle, especially those that are used by children. If your child or one of their friends are injured while on the vehicle, or if they cause damage to another person’s property, you can be held responsible for damages. Our professional insurance agents are knowledgeable about the policies that include coverage to keep you protected from any such situation.

It is strongly advised that you have comprehensive coverage in place prior to your child’s use of an ATV or other recreational vehicles. Please call us today to review your insurance needs and to learn about the possible solutions.

Life insurance is something that many people are confused by. This is because there are a lot of different types of policies available for purchase and a lot of people do not know if they need it or how much to purchase. This guide from Town & Country Insurance, serving Buford, GA, can help you get a basic understanding of life insurance. 

• Life insurance is a benefit for the ones you leave behind. You will not benefit from life insurance at any point in your life in most cases. However, it is a great way to help take care of the people that you love if you are no longer around. It is also a great way to pay any of your existing debts so that your family does not have to do it for you. 
• You get to choose how much life insurance you want. You can choose to purchase a set amount of life insurance when you are choosing your policy. Because of this, it is recommended that you get only the amount you will need for your specific goals after death. 
• There are different types of life insurance. The two main types that are purchased today include term and whole life insurance. Term life insurance is a policy that is in place for a set number of years and then expires. Whole life insurance is a bit more expensive, but once you pay it off, it is in place for your entire life.

There is still a lot more to learn about life insurance, but this guide should have helped you gain a better understanding of how it works and the options you have available to you. For more information or to get a quote for your life insurance policy, be sure to contact Town & Country Insurance, serving Buford, GA, today. 

It’s important to review your commercial insurance coverage at least once a year and there are also some scenarios when it’s necessary to review coverage more frequently. The agents at Town & Country Insurance in Buford, GA suggest that this is the best way to understand the terms of your policy and update them when needed.

It’s also important to review your policy after a loss. Many businesses find out they were not covered for something after a tragic event took place. Also, anytime your business goes through massive changes, it’s important to review coverage.

Besides once a year, it is recommended that you review coverage when these instances occur:

• When revenue changes
• Property changes and when new property is acquired
• Added employees
• Changes to products
• Company vehicles are added

Liability coverage will need to be adjusted as your businesses begin to have a higher revenue stream. The size of your company will determine if you need to update workers comp insurance as well. It’s important to know the difference in numbers of employees so when your Georgia company surpasses the limit of employees, you can update your insurance to follow suit. If you do add company vehicles, the need for insurance will be based on who is driving and what the vehicle is used for.

If you are selling your product to customers, your product liability insurance will need to be updated any time there are significant changes to your products.

It’s important to review coverage for a number of reasons. You may be overpaying for coverage you aren’t using or you might discover that you are underinsured. While reviewing your coverage, you may find mistakes with the policy. Not only can mistakes cost you more money, but they also could become a major issue if you are trying to use coverage that you thought you had. Once you review coverage, you may also be able to get a different rate that is better than before.

To review your commercial insurance coverage, contact Town & Country Insurance, serving Buford, GA. Our agents can answer your commercial insurance questions.

If you’re considering calling Town & Country Insurance in Buford, GA to get your bicycle covered, here’s what you need to know:

It’s Not Legally a Requisite

If you own a motorboat, a jet ski, or a dune buggy, you are required by law in Georgia to get it insured. Not so much with a bicycle. The laws about recreational insurance generally revolve around motor vehicles. This means that you don’t need insurance, legally speaking, for a kayak, a skateboard, canoe, or anything else powered by your arms and legs, and that includes a bicycle. The question of whether to insure your bicycle comes down to a personal choice rather than a legal obligation.

But It’s Not a Bad Idea

All it takes to steal a bicycle is a pair of bolt cutters. You can take the front wheel inside with you when you stop at the country store on your weekend ride, but that’s not going to stop someone from throwing it into the back of their truck and replacing the wheel sometime later. If you’re just using a cheap old bike you picked up from a thrift store to get around, then insuring it might be more trouble than it’s worth. If you’re a serious cyclist, there’s no reason not to consider getting a policy on your bike. Some sellers and manufacturers offer warranties, but these are limited in a number of ways, and typically run out in a few years.

The question simply comes down to the extent to which you care about your bicycle. If you’re serious about cycling, then there’s no reason not to call Town & Country Insurance and see what kind of bicycle coverage you can get in Buford, GA.