Town & Country Insurance

How You Know You Have Quality Home Insurance

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Home insurance is complicated enough that it often scares people away from asking the questions that will ensure they get the most from it. With all the forms, clauses, and jargon, it’s easy to see why so many don’t have enough coverage for their homes. So what makes for quality home insurance in Buford, GA? Here are some of the things to consider before you decide you have a realistic policy that will be of use to you. 

The True Value Within

Your home isn’t just where you live; it’s where you hold most of your assets. From the expensive garden you planted last year to the collectible toys that recently became popular on auction websites, there’s a lot to consider when it comes to evaluating your home. If a policy only offers the bare minimum of coverage, you may end up wondering how you ended up losing so much after a natural disaster or an unexpected act of vandalism. Town & Country Insurance knows these events are traumatic enough, so you don’t need to add any extra stress on top of them by not getting the financial help you need. 

Here for You 

Town & Country Insurance wants the people of Dacula, Braselton, and Buford, GA to stay protected, no matter what may come their way. We can help you decide the best ways to take care of your things, and we can also explain it in a way that is easy for you to understand. It’s our job to find out what’s important to you, whether that’s your guitars, dishes, or jewelry. Once we know what makes your home a home, we can get you set up with a policy that will cover you. Give us a call to find out more about our rates, policies, and more! Try our online rating tool for quotes on home and auto insurance.

 

Does Commercial Insurance Cover Vandalism?

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Commercial insurance helps to protect your business in a variety of ways. One of the questions we are often asked at Town & Country Insurance, serving the greater Buford, GA area, is whether vandalism is covered under a commercial insurance policy or not. Here is some information you need to know about this topic.

Vandalism is covered under your commercial insurance plan. For example, if you have commercial insurance property coverage, and someone throws a rock through your store front window, the insurance company would pay to replace the window, minus your deductible. Likewise, if someone breaks into your store and smashes your computer equipment, that would be covered as well.

However, the catch to vandalism is your deductible. Most commercial insurance policies have fairly high deductibles. As such, if someone spray painted the side of your building, your deductible may be more than buying a can of paint and painting over the graffiti in question yourself. Before filing a claim for vandalism, you should take the time to find out how much it will cost to repair the damage yourself and then compare that amount to your deductible. If they are close, you may be better off by not filing an insurance claim and just paying out of pocket to fix or rectify the damage yourself.

Do you have questions about your existing commercial insurance policy or are you looking to obtain a new one in the greater Buford, GA area? Then let Town & Country Insurance help. Give us a call today and let us discuss your insurance needs with you, answer any questions you have, and put together the perfect policy for you.

Possible Penalties for Driving Without Auto Insurance in the State of Georgia

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Any driver in the state of Georgia is required to have an active auto insurance policy at all times, or the driver could be faced with serious penalties. Anyone who drives without auto insurance in the state of Georgia could be charged with up to $185 in fines and could spend up to a year in jail. If you decide to drive uninsured, you could face certain consequences that could result in the suspension of your driver’s license and your vehicle’s registration.

Georgia’s Minimum Auto Insurance Requirements

If you live in Georgia, you’re required to carry liability insurance for your vehicle so that any injuries and damages related to an accident for which you’re at fault can be covered. You’ll also need to carry proof that you have a policy in place. Your vehicle must have a minimum amount for each of the following types of liability coverage:

•    A minimum per person for bodily injury coverage and a minimum for multiple people who have been involved in an accident.
•    A minimum in liability coverage for every accident that involves property damage.

Be sure to speak to an agent at Town & Country Insurance if you live in Buford, GA. We can help you find the coverage you need, and we’ll make sure it complies with Georgia State Law.

What You Could Face for Driving Without Auto Insurance

In addition to paying a fine and spending up to a year in jail, you could have your driver’s license and registration suspended. This can negatively affect your driving record. If your auto insurance policy has been terminated, you have 30 days to send an electronic notification to the Georgia Department of Driver Services (DDS). If you fail to send it in within that specified period, you could be faced with certain penalties.

What you could face will depend on the circumstances of your case, but you could pay a fee that could fall anywhere between $85 and $185. If you’re not able to provide adequate proof that you have an auto insurance policy, your vehicle’s registration could be suspended, and you could be faced with jail time of up to one year. The fee and time in which your driver’s license and registration can be reinstated will depend on the number of subsequent offenses, so be sure you have an active auto policy at all times. Otherwise, you could face serious consequences later on.

If you live in Buford, GA, feel free to get in touch with Town & Country Insurance Group. Our experts have a thorough understanding of Georgia’s auto insurance requirements. If you need a policy that complies with state standards, be sure to contact someone at our office. We would be happy to speak with you!

Comprensive Vs. Collision Insurance. Do You Have Enough For Your Car?

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Auto insurance is broken into two different types: comprehensive and collision. These two types are actually complimentary forms that protect the insured from paying totally out of pocket when an accident happens. Here are definitions of each one:

1. Comprehensive Insurance:  This type of coverage applies when something happens to the car other than a collision. For example, when damage is caused by fire, vandalism, theft, falling objects natural disasters, animals or glass damage like a cracked windshield. Some car collectors that store cars but don’t drive them will carry comprehensive coverage on them.

2.  Collision Insurance:  This type of coverage applies when a covered car runs into or collides with another car, an object other than a car or if the road driven on is hazardous, ie: a large pothole. It does not cover damage to the other vehicles. Liability insurance is what covers the other vehicle and is required by law in most states, including Georgia.

The difference between a car’s comprehensive and collision insurance is the damage they cover. The easiest way to remember is that comprehensive insurance covers drivers against damages caused to the car outside of their control and collision insurance covers drivers when they are in an accident with another vehicle or object.

Most insurance companies conveniently offer both comprehensive and collision insurance together as a package. Both types can include a deductible or the amount of money the insurer must pay to get the damage fixed. Going one step further, if there is a loan on the car, the bank will require both comprehensive and collision coverage and proof of insurance.

Contact Town & Country Insurance, Buford, GA for more information about comprehensive and collision insurance and what coverage is best for you.