There are many important forms of insurance coverage that someone in the Buford, GA area needs to have. One important form of coverage to get is life insurance, which provides financial protection to those that depend on you and your income. When you are looking for this insurance, there are many different options available. The two most common options are whole and term life, which have various benefits that should be considered when trying to figure which option is ideal for you.

Whole Life Coverage

One option to consider getting is whole life insurance. When you get a whole life policy, the coverage will remain in place for as long as you want it. A key advantage of this type of coverage is that some of your payments will go into an account that can continue to grow with interest. In the future, you will have the opportunity to liquidate this account. 

Term Life Coverage

Another option that you will have is to get a term life policy. If you do get term life, it will offer you coverage for a specific period of time. These policies are ideal for those that would like the most amount of coverage for the lowest premium payment. While there is not an investment advantage with term life, the lower payments can help you get the most coverage possible.

It is important that everyone in the Buford, GA area continue to assess their life insurance needs. If you are looking for a life insurance policy here, calling Town & Country Insurance would be a good option. The insurance team at Town & Country Insurance can help you understand your insurance options and pick a policy that will give you appropriate coverage and peace of mind. 

Recreational insurance is the glue that holds all things together when you are enjoying an off-road trip with your family in Buford, GA. This type of indemnity plan pays for damages to RVs as well as ATVs and other off-road vehicles. The amount of recreational insurance you need is a discussion you should have with a professional at Town & Country Insurance. Read on to learn about the benefits of purchasing this type of insurance plan. 

Who needs recreational insurance?

Contrary to some beliefs, recreational insurance is not just for those who own motorhomes. A good recreational indemnity policy is also useful for ATV lovers who enjoy using their vehicles for tricks. You need a good policy to pay for repairs or total loss in addition to covering your medical bills should one of your stunts go awry. 

How much recreational insurance should you buy?

There is no set amount of recreational insurance you should buy. Your premiums will largely depend on your lifestyle preferences and budget. 

Those who enjoy extreme sports may consider higher premiums for maximum protection. Meanwhile, those who occasionally enjoy an off-road trip may purchase a plan with lower premiums. 

Your budget is also a determining factor in the debate over how much recreational insurance to buy. Those with thousands to spare may purchase a plan with higher premiums even if they only travel once per year. On the other hand, individuals with limited budgets may choose a more economical plan that provides just enough coverage. 

Whatever you do, insure!

There is little worse than facing the reality of no insurance after you have damaged your ATV or RV. The only way to prevent such a tragedy from being your reality in Buford, GA is to purchase an indemnity plan before you take off-road trips with the family. 

The agents at Town & Country Insurance can help you create the recreational insurance plan that fits your needs. Call them today for a quote.

When you are starting your business, you are so excited about getting things together that purchasing commercial insurance may be the last thing you think about. However, having a commercial insurance policy should be one of the things to have on your to-do list. You worked so hard in starting your company, so don’t let the unthinkable, like natural disasters or lawsuits, destroy what you’ve worked so hard for. 

Having said that, you should know that there are many types of commercial insurance coverage available. Nevertheless, the following are the basics of commercial insurance: 

1. Liability Insurance

Also referred to as errors and omissions (E&O) insurance, this insurance protects against negligence claims from harm resulting from performance failure or mistakes. 

2. Property Insurance

This insurance covers property that you lease or own in case of theft, storm, or fire. Earthquakes and floods, however, are usually not covered. 

3. Home-based Insurance

This type of insurance is unique and does not operate like commercial property insurance. So, hiring a reliable insurance agent can assist you if you have a home-based business. 

4. Worker Compensation Insurance

This insurance coverage should be added when you hire your first employee. With this coverage, your employees will have a disability, medical, and death benefits if the employees have work-related injuries or died as a result of work. 

5. Vehicle Insurance

It is important to ensure your company vehicles are covered as well. 

6. Property Liability Insurance

If you are selling products to the public, it is vital to have product liability insurance. There are tons of stories throughout the history of various companies getting sued due to damage claims from customers using your product. In many of these cases, companies lost the lawsuit.  

7. Business Interruption Insurance

When it comes to pandemics or catastrophes, company operations may stop. And as a result, they won’t be able to gain profit, pay employees, and pay for bills. Thus, this insurance coverage is very important. 

Conclusion

When it comes to commercial insurance, these commercial insurance coverages are the foundation. However, in some cases, more coverage may be needed.

For more information about commercial insurance, contact Town & Country Insurance. Located in Buford, GA, Town & Country Insurance has been serving Buford GA and surrounding areas since January 2010. They are also partnered with multiple insurance carriers. Contact them today!

Life insurance is a smart investment, especially if you have people who are financially dependent on you. If you are wondering whether you need this type of insurance or not,  Town & Country Insurance serving Buford, GA has prepared the list of categories of people who need it most: 

• Breadwinners. If you are a breadwinner of the family, it means that your family members depend financially on you. Therefore, if you pass away, they may have to deal with financial problems. The best way to protect them and make sure that they are able to have the same financial level of comfort after you pass away is to get life insurance. 
• Business owners.  Life insurance helps to cover business debts. For this reason, every business owner should consider getting it. 
• Stay-at-home parents.  According to the website Salary.com, an average salary of a stay-at-home parent is $178,000. It is a high amount to make up for if a stay-at-home parent passes away. For this reason, stay-at-home parents may need life insurance even more than working parents. 
• Single mothers.  The statistics say that over 40% of babies in the US are born to single mothers. Many of these women do not have anyone who is able to support and help them financially. The best way for them to protect their kids is to get life insurance. 
• Singles with no kids.  Even if you an unmarried single person, you still need life insurance. First of all, because funerals are expensive. And second, there are still people who may need financial help after your death – your parents, siblings, or nephews. 

If you realized that you belong to one of these five categories, it is time to get a life insurance policy. Town & Country Insurance serving Buford, GA and other surrounding towns is ready to answer all your questions and find a policy based on your personal and financial needs. Give us a call today to discuss the options available. 

Like any business, your home enterprise needs protection against unfortunate events that can deplete your business finances. At Town & Country Insurance, we’ll assess your home business and recommend appropriate insurance coverage to protect it from harm. Depending on your Buford, GA home enterprise, you may benefit from one or more of the following commercial insurance options:

Property Coverage

Home insurance is designed to protect your home and personal belongings. This may include your business office setup at home, but not your business equipment or inventory. Commercial property insurance will cover your computer, printer, scanner, filing cabinets, and other equipment your business uses at home. This same coverage will protect any inventory you have stored in your house or garage. 

Liability Coverage

If you receive clients regularly at home for business purposes, you may want commercial liability coverage to protect you against accidents. A slip and fall in your driveway could send a client to the hospital with a broken bone, leaving you responsible to pay his medical costs. Commercial liability covers this expense to protect your business profits. It also protects you against lawsuits if someone sues you for damages. Product liability protects you against injuries caused by a product your business produces or sells.

Business Interruption

Even home businesses can be affected by natural disasters. Business interruption insurance covers the loss of revenue, payroll, and other expenses if your home business has to close temporarily due to disaster damage or loss of power.  

Worker’s Comp

If your home business employs three or more part-time, full time or seasonal workers, you’re required to have worker’s comp insurance in Buford, GA by law. This coverage protects your workers from injuries sustained on the job.

To learn more about commercial insurance coverage for home businesses, contact us at Town & Country Insurance.

If you live in Georgia, you’re accustomed to warm, sunny weather many months of the year. It’s perfect for spending time outside. From outdoor enthusiasts who enjoy the adrenaline rush of riding an ATV to those who prefer sunbathing on a boat, nothing brings peace of mind quite like having insurance. Whether you have an ATV, RV, boat, or another recreational vehicle, purchasing insurance is a worthwhile investment. So why should you choose Town & Country Insurance in Buford, GA as your recreational insurance provider? Read on to find out why!

Industry Experience: Town & Country Insurance has been serving Buford, GA for more than 10 years. The agents at Town & Country Insurance have many years of experience in various sectors of the insurance and sales industries. They are extremely knowledgeable and will thoroughly explain your options to ensure that you get a policy that best suits your lifestyle.

Personal Attention: Town & Country Insurance agents provide superior customer service. They take the time to get to know you and your specific needs. At Town & Country Insurance, you’re not just a client – you’re family. Town & Country Insurance agents take the time to get to know you, so you’re guaranteed a recreational insurance plan that is unique and personal.

Options: Interested in insuring an RV or boat? Want to add a supplemental policy for an off-road vehicle to an existing plan? Town & Country Insurance offers plenty of affordable options for recreational insurance. Choose from plans that protect both you and your property.

To learn more about what’s covered in a recreational insurance policy, contact Town & Country Insurance in Buford, GA today!

Life insurance is an important part of every family’s financial planning, not just those that have young children. If you are in the greater Buford, GA area, the team here at Town & Country Insurance is here to help you find the right life insurance policy to meet your family’s current and future needs. There are many benefits to a life insurance policy in addition to the death benefit.

Important facts to know about life insurance 

In addition to the death benefit, there are other important features that can help all GA families, regardless if they have young children or any children at all. For instance, with the policies that provide cash benefits, there is the ability to access those funds for major life expenses. In fact, life insurance can be a key part of college or retirement planning. Think about having the ability to help your grown children with tuition expenses, providing the down payment for their first home, or taking care of their wedding expenses. These are just a few examples of the way that the cash value of a life insurance policy can provide a benefit to you and your family. 

Of course, it is also important to consider life insurance as a way to provide for a spouse after your death. A death benefit can make the difference between staying in the family home and having to move during an already stressful time.

The team at Town & Country Insurance is here to serve all of your insurance needs, including helping you find the right life insurance policy for your Buford GA area family. Don’t be overwhelmed by all of the options available, we are here to help you find the policy that is right for your needs.