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. 

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. 

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. 

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.

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. 

Town & Country Insurance offers multiple types of coverage to the Buford, GA community. We strive to make sure that our clients find policies to protect them while they navigate life’s challenges. We look forward to helping you find the coverage that you need.

Why Recreational Insurance Is An Asset

During the summer, many Buford, GA residents enjoy operating different types of recreational vehicles. Whether you are traveling around in an RV, ATV, or another type of off-road vehicle, recreational insurance will cover you. The policy covers any damage to your vehicle if you are involved in a collision. You’re also protected if your recreational vehicle is stolen or vandalized. Liability insurance is important, as there are a lot of risks involved as you operate these vehicles. Liability coverage protects you if your vehicle injures someone or causes damage to someone’s property. You’re also covered if one of your passengers suffers an injury.

The policy also provides coverage to any accessories that you may add to your recreational vehicles such as campers, trailers, and fifth wheels. You will be protected if these items are stolen or damaged. If you have any luxury items or custom parts on your recreational vehicle, you can amend your policy to cover these items if they are damaged.

You can add extra coverage to assist you if you need towing service or another type of emergency assistance. Also, consider the importance of storage coverage. You want to store your recreational vehicle somewhere safe and secure. You can add storage coverage so that your vehicle will be covered if it is damaged due to a fire or natural disaster while in storage.

Town & Country Insurance Will Help You

For more information on recreational insurance, visit our website today!