Am I Required to Carry Condo Insurance If I Own a Condo Unit?

One of the questions that we at LG Insurance Group is often asked is whether you are required to carry condo insurance if you own a condo in the greater Marietta, GA area. In most cases, you are required to carry insurance. If you are wondering if you are, there are two key pieces of information that you need to read to determine if you are. Here are the documents you need to read to see if you are legally required to carry condo insurance.

Your Mortgage Documents

If you have a loan out on your condo, odds are, you are required to pay for condo insurance. This helps to cover the lending company’s interest in your home until the loan is paid back. The lender can no longer require you to carry the insurance once your loan is paid back in full.

Your HOA Agreement

While a lender cannot require you to carry condo insurance once your condo is paid off, your condo’s home owner’s association may require it. This is because a toilet leak or dishwasher leak in this type of unit may not only affect you, but it can affect the people living below you. This insurance covers any damage that starts in your unit but may spread to other units. Read your specific HOA agreement or ask the association if they require you to carry this type of insurance even if your condo is paid off.

Even if you are not required to carry condo insurance, there are many benefits to having it. Just like home insurance, it helps protect your residence and belongings from unexpected problems. If you are looking to learn more about condo insurance or looking to obtain a new policy in the greater Marietta, GA area, let LG Insurance Group help. We can answer any question you have or put together a policy for you.

Is Liability Coverage Included In Marietta, GA Home Insurance?

Liability coverage is an important component of home insurance. When you look at policies for your home in Marietta, GA, your goal is to be covered in as many scenarios as possible. At LG Insurance Group, we work with you to get the desired level of coverage – and at an affordable price.

What is liability coverage?

Liability coverage protects against people getting injured inside your home or on your property. If someone hurts themselves walking towards your front door, they could sue – but your liability coverage would take care of the legal fees as well as the settlement. It also protects you in the event one of your family members damages someone else’s property. This includes a baseball through the window or even a toddler spilling juice on an Oriental rug.

How much coverage do you have?

The coverage you have in Marietta, GA depends on the value of your home, the insurance company you choose to work with, and what you decide is necessary. For example, if you do a lot of entertaining where many people will be inside your home, it’s a good idea to increase the level of coverage on your policy.

You will automatically have some liability coverage included in your home insurance policy, regardless of who you are insured with. Your goal is to look at the fine print to see the scenarios where you aren’t protected and then add onto your coverage so you are protected against them. This way, if something does happen, you can file a claim and enjoy peace of mind knowing that the insurance company will cover the majority of the costs.

Contact one of our independent insurance agents at LG Insurance Group today to learn more about how to get sufficient liability coverage in your home insurance policy.

 

How to Get a Boating License in Georgia

In Georgia, you are not actually required to get a boating license, but you will need what’s known as a Boater Education Card. If you own a boat, you’ll need to have it registered as well. The LG Insurance Group in Marietta, GA has details regarding information about your boat, so you can be safe when you go out on the water this summer.

Qualifications for a Boat

If you were born after January 1998, you will need to take the boater safety course in order to operate a watercraft in Georgia. There are a few exemptions.

  • Licensed U.S. Coast Guard
  • Boating on a private lake
  • Non-residents with a completed education course form from the National Association of State Boating Law Administration (NASBLA)

Rules and Regulations for Boaters

Everyone over the age of 12 who wants to operate a water vessel in Georgia must have a Boater Education Card from the Department of Natural Resources (DNR).

There are a few restrictions for those under the age of 12:

  • Cannot operate boats larger than 16 feet
  • Must have adult supervision if the boat is less than 16 feet without a motor or is less than 30 horsepower

For those boaters who are between the ages of 12 and 15:

  • You are authorized to operate boats that are less than 16 feet if:
    • You completed the boater safety course.
    • You are supervised by an adult.

If you are 16 or older:

  • You can operate any watercraft if you have proper identification, AND
  • You have completed the boater safety course

Getting a Boater Education Card

To receive a Boater Education Card, you must participate and pass an approved boater’s safety course. You can take courses with the:

  • U.S. Coast Guard
  • Department of Natural Resources
  • U.S. Power Squadrons
  • An approved online course

In Marietta, GA, the LG Insurance Group has professional agents that can help you navigate your responsibilities as a boater, including maintaining insurance for your boat.

What Type of Auto Insurance Do You Need in Marietta, Georgia?

Throughout the state of Georgia, the minimum type of auto insurance that is necessary to legally operate a motorized vehicle is liability insurance. Protecting yourself while driving is essential to avoid losing your license or being charged with a misdemeanor, which is possible if you are pulled over by police without proper insurance registered to your vehicle. Obtaining insurance can be done with the help of our professional insurance specialists at LG Insurance Group, serving Marietta, GA.

Whether you are prepared to opt for comprehensive and full auto insurance to protect both you and other drivers on the road or if you are looking to get liability insurance to keep from potential lawsuits, we are here to assist through the process. When you have liability insurance, your own vehicle and protection is not granted, but you are able to avoid financial debt if you are involved in an auto accident with other motorists that may have been harmed or have had damage done to their vehicles. We offer a wide range of coverage options that serve Marietta, Georgia, regardless of your current financial situation and what you are able to afford to protect yourself and your vehicle anytime you are on the road. We facilitate the process of obtaining insurance while guaranteeing you are protected in the system after you have registered a vehicle and want to begin driving to avoid potential penalties.

For more information and to get the necessary insurance you need for you and your family in Marietta, GA, get in touch with our agents at LG Insurance Group today to get started immediately.

Spring Cleaning Tips

Now that the winter weather is starting to go away, spring is starting to come out to play. One of the most common things for homeowners to do during this time in Marietta, GA is doing some spring cleaning. Although it doesn’t get too terribly cold here, the spring gives a breath of fresh air that is hard to ignore. If you are wanting to do some spring cleaning this year but are not entirely sure where to start or what to do, be sure to use these tips from LG Insurance Group.

  • Start with dusting everything off. You may be surprised by how much dust can gather after just a few months. make sure you dust everything. Once you are done, you will be able to breathe easier and you can even start opening windows to let the spring air in. 
  • Choose one or two projects. All too often, people think of spring cleaning as a way to get everything on their list done. Usually, this is too much to do for one person, or even one season, so choose one or two projects to focus on. If you find that you have completed both of the projects you set out to do, then go ahead and try to tackle another. Just make sure you do not overwhelm yourself and do not be afraid to ask your friends and family for help on your list. 

Once you have tackled what you want inside your home, you need to make sure that everything is well protected. The best way you can do this is with a great home insurance policy. If you do not already have one, be sure to reach out to LG Insurance Group, serving Marietta, GA, to get a free quote that meets your needs and budget.

Why You Need Higher Auto Liability Limits

When deciding which auto liability limits to select on your auto insurance policy, your premium should be secondary.  Your primary thought in selecting your liability limits should be protecting your assets and yourself from potential legal liability and avoid exposing yourself to costly lawsuits or judgments.  Minimum insurance limits should only be selected if that is truly all you can afford.  Once your budget allows, be sure to increase your limits and also consider purchasing an umbrella policy.  It is not as expensive as you may think and it could save you during a claim!

 

How Your Auto Insurance Policy Stacks Up in Marietta

When you choose one auto insurance policy, you’re not committing yourself forever to that particular type of coverage. On the contrary, auto insurance is fluid because it has to be. When you need an updated policy, it can conform to a new car, new neighborhood or even just new priorities. See how yours stacks up if you live in Marietta, GA. 

Keeping It Real 

Your insurance policy is probably not as inclusive as you think. If you were hit by a driver who cowardly sped off into the distance before you knew what had even happened, you might reach to call your insurance company. But most policies don’t include hit-and-runs. If you chose the bare minimums when it came to your policy and you cause more than $25,000 in property damage in an accident, you’ll be on the hook for the extra money after the limit has been reached. Without knowing these details, people can often feel like they’re more protected than they are. Just because a cop can’t take you to jail because you technically have what you need to be legally on the road, it doesn’t mean that you have enough to keep yourself financially secure. 

LG Insurance Group Can Help You 

It’s our agency’s job to make the people of Marietta, GA more comfortable with their auto insurance, so call us today if you’re feeling like your policy doesn’t quite stack up to where it needs to be. This is the time to get answers to your questions about what’s covered and how it will impact your monthly budget. LG Insurance Group knows that this type of long-term planning is what can save people’s bank accounts when it counts the most. Call us today to find out more!

Adjusting Your Home Insurance

There are plenty of instances in which you might need to alter your home insurance coverage and knowing what they are and what the process entails can make a huge difference in how quickly you can get your coverage changed. For those that live in the Marietta, GA area, the agents with LG Insurance Group can help you through the adjustment process.

There are a wide range of instances in which your home might need to have more or less coverage. The first step of the process is to contact your agent. After contacting your agent you will explain why your home needs either more or less coverage. You will then set up a time for an adjuster to come and work on altering your insurance coverage.

After the adjuster comes you can decide what new coverage you need and get the process rolling. So what might make your needs change? Major renovation is the biggest issue when it comes to needing to change your coverage. Those major renovations will make your home worth more and therefore make it more expensive to build back should something happen to your home. Home depreciation might make for a change in coverage as well.

Still another thing that might necessitate more coverage would be getting something expensive like a large television or jewelry that would need to be covered on your policy. The adjuster is there to document the home and appraise it to determine how much coverage is necessary to rebuild if the home is destroyed. These are all great reasons that your home insurance coverage might need to change.

For those in the Marietta, GA area, the agents with LG Insurance Group can help you determine what changes need to be made to your current policy in order to be fully insured.  

Why You Need an Emergency Kit for Your Home

You never know when something will happen that will leave you stranded in your home with no help available. In Marietta, GA, you need to be prepared for this kind of occurrence by taking steps within your own. LG Insurance Group recommends having a fully stocked emergency kit in your home so you always have enough supplies to last a few days. When making your emergency kit, be sure to include these items:

  • Food. You want to make sure you not only have non-perishable food but also food that you can eat without cooking. You should have enough for three days of food for each person in the home. 
  • Water. Another necessity to have is water. As a rule of thumb, you should have enough water for each person to drink a gallon per day in your home. 
  • Candles, flashlights, and extra batteries. If you lose power, you need to find a way to see around your home in the dark. Make sure you have candles and a way to light them as well as flashlights and extra batteries.
  • Portable cell phone charger. Another thing to worry about is your cell phone. If you lose power, you need to find a way to charge it so you can reach other people once the emergency has passed or if you need immediate help.
  • First aid kit. You can get a stocked one at your local store and you want to make sure you have one of these handy in case of an emergency that involves and injury.

Another great way to protect yourself is to have a great home insurance policy. For more information about home insurance policies, to see if your current policy has any gaps, or to get a free quote for one, be sure to contact LG Insurance Group, serving Marietta, GA. 

Identity Fraud Coverage

Many of us have been victims of identity fraud, or known someone who has.  It is a grueling and time consuming process to try to restore your identity and clean up the mess left behind by the criminal(s).  Identity Recovery or Identity Fraud Expense Coverage is offered by many homeowner’s insurance companies to guide you through the process and reimburse you for many of the expenses you incur along the way.  The infographic below gives additional details regarding Safeco’s optional coverage: