Author: agentinsure

Which types of vehicles are covered by RV insurance?

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There are many types of RVs, so determining which vehicles are covered by RV insurance can be confusing, but the explanation is simpler than you might think. If you have questions about RV insurance and whether your vehicle needs it, contact the LG Insurance Group team serving the Marietta, GA, area to get your questions answered.

RV Types and Insurance

RV insurance covers four types of RVs: Class A, Class B, Class C, and Towable RVs.

Class A RVs

Class A RVs are high-end models built on commercial truck or bus chassis. They can be so large and luxurious that they resemble houses on wheels. The largest sleeps eight people, and amenities often include a full kitchen, bathroom with showers, washer/dryer, and a full-screen TV.

Class B RVs 

Class B RVs are built on full-size van frames. Due to their smaller size, they typically have a small galley with a burner, a small refrigerator, a bathroom, and sleeping space for one or two people.

Class C RVs 

Class C RVs come on small truck chassis and typically have sleeping space over the cab. They vary widely in their amenities, ranging from near-luxury to modest.

Towable RVs 

Trucks with a fifth-wheel attachment pull towable RVs. Towable RVs can be as large and luxurious as a Class A RV or much more modest. Towable RV insurance covers only the RV, which is not motorized, while the truck’s insurance handles the liability and other insurance needs.

RV Insurance from the LG Insurance Group

Our team at LG Insurance Group, serving Marietta, GA, looks forward to addressing your RV or other insurance needs. Call us at 678-671-8480 today, or stop by to see us to ensure you get the coverage you need for your RV.

Does my motorcycle insurance cover out-of-state or out-of-country travel?

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Embarking on Your Motorcycle Road Trips with Adequate Insurance

Marietta, GA, is excellent for motorcycle rides, but occasionally, the desire to take on a national road trip may beckon. Meticulous planning is necessary to ensure a successful trip. Regardless of whether your journey takes you to sunny California or sunny Florida, your Georgia motorcycle insurance from LG Insurance Group safeguards your ride.

Traveling Internationally with Your Motorcycle

An extension of your insurance policy becomes necessary if your adventure transcends national borders. Such changes are crucial due to the specific coverage requirements of the countries you hope to visit. To maintain compliance with these countries’ laws ‒ for example, in Canada or Mexico ‒ you must secure adequate coverage. If you habitually ride into these countries, ensure that your international policy coverage remains consistently in force.

This form of coverage is in the insurance industry referred to as "Green Card" insurance or international motorcycle insurance. Considering a road race, rally, or other motorcycle event across the border may necessitate purchasing an extreme sports policy inclusive of motorcycle coverage.

Other Legal Requirements for Riding Internationally

Before you venture out for an international motorcycle expedition, you must secure an international driver’s license with a motorcycle endorsement. Most AAA offices offer this service as long as you possess a valid U.S. driver’s license. Any necessary queries and clarifications regarding your motorcycle ride across international borders can be addressed by LG Insurance Group. Insurance covers policyholders in Georgia and other U.S. states, with additional coverage necessary for road trips to Canada, Mexico, or other countries.

Things That Might Void a Boat Insurance Policy and Avoiding Them

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Boat insurance is generally a necessity, and it protects you from issues like damage from weather, fire, wrecks, and things cropping up out of the water. There are several things owners can do to make their boat policy ineffective. Our team at LG Insurance Group in Marietta, GA explains.

Intentional Damage

Some owners do nefarious things to their watercraft in an attempt to make a fraudulent insurance claim for a quick cash grab. If the company suspects or confirms that the policyholder has intentionally wrecked, set the boat on fire, sunk it, etc., they will not pay out on the policy. They will likely cancel it altogether.

Operating Your Watercraft While Under the Influence of Drugs or Alcohol

It’s tempting to want to imbibe certain vices while enjoying a day on the boat with friends, but it’s a huge no-no that can invalidate your insurance policy. Exceeding the boat’s maximum person or weight capacity can also null and void the boater’s insurance policies. These violations endanger passengers and those around the vessel, which is irresponsible.

Things That Can Result in Lapsed or Voided Policies

Certain situations that can result in either of these outcomes vary. Most often, lack of paying on time and missing multiple payments are the culprits of boat insurance lapses and subsequent policy voiding. The company will likely cancel your policy if you provide false information on your application or a claim.

Secure Boat Insurance Through LG Insurance Group in Marietta, GA

If you’re a boat owner, we can help you understand your personalized boat insurance policy to protect you, your passengers, and your watercraft. Our locally owned and operated agency covers residents across Georgia and Tennessee with boat insurance and other types of policies.

What is the main advantage of carrying a flood insurance policy?

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Those living in the Marietta, GA area will find owning property is an excellent long-term option and decision. As you shop for a home, you must take the right amount of time and assess your insurance needs. Your insurance needs could often extend to carrying a full flood insurance policy. Various important advantages come when you do have a full flood plan. 

Protect Against Flood Damage

An important reason to have a flood insurance policy is so you can protect yourself against flood damage. If rising floodwaters ever damage your home, the cost to repair and remediate it will add up quickly. Unfortunately, it is common for a home insurance plan to exclude coverage for this risk. Because of this, getting a flood insurance policy will ensure you have support if your home is affected by a flood. 

Comply with your Obligations

Having a flood insurance policy is also helpful to ensure you can comply with any obligations. If you take out a mortgage, you will have specific insurance requirements. If your home is in a flood zone, this can include a requirement that you maintain a flood insurance policy and have payments escrowed. Even if your home is not in a flood zone when you buy it, your requirements could change if it is reclassified. 

You need to shop for a flood insurance policy. If you are in the Marietta, GA, area, our team can help you learn about the benefits. It would be very smart to begin this process and search by calling our professionals at the LG Insurance Group. When you call the LG Insurance Group, you will get the guidance and support necessary to build a new policy. 

Six Things You Should Have in Your RV for Emergencies in Marietta, GA

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Emergencies can occur anytime in Marietta, GA, or anywhere else. If you use or live in an RV, it’s especially important that you have the things you need to deal with an emergency should one arise. At the LG Insurance Group, we believe you should have a plan of action for some of the more common types of emergencies, but here are some items you should have on hand that can help in most emergencies.

1. First Aid Kit

Your first aid kit will help you treat any minor injuries until you can find proper care. Your kit should have bandages, gauze, antiseptic, pain relievers, and other basics that facilitate cleaning and bandaging wounds or mitigating illness. Also, include any personal medications or items unique to you and those in the RV.

2. Fire Extinguisher

If a fire breaks out, you’ll want something that can quickly contain it. Please have at least one fire extinguisher and ensure everyone knows how to use it.

3. Emergency Radio and Communication Device

Keep a radio that can receive broadcasts and alerts. If possible, use a radio with additional features, such as solar power, a flashlight, or anything else that adds to its usefulness in an emergency. Also, keep a two-way radio, cell phone, or satellite phone.

4. Emergency Roadside Assistance Kit

Have a kit for dealing with common mechanical issues. For example, keep tow straps, jumper cables, a tire inflator, a spare tire, flares, and other roadside assistance tools.

5. Survival Kit

This kit can consist of things you may need to survive, such as non-perishable food, water, blankets, matches, a compass, flashlights, batteries, a map, and other items you may need if you’re stranded somewhere. Also, keep a basic toolkit with commonly used tools.

6. RV Insurance

After an emergency, you’ll want to make sure you have the coverage necessary to repair or replace anything you lost or lost access to. In addition, you’ll have to consider the damage to the RV itself and, more importantly, any injuries sustained because of the emergency.

For all these emergency items, you can usually find pre-built kits. For your RV insurance needs in Marietta, GA, contact us, the LG Insurance Group, to learn more.

A Quick Look at the History of Motorcycles

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Motorcycles have been around for a long time and remain popular today. Riding a bike can be exhilarating and a good way to get around town. Many bikes also feature excellent fuel economy. However, if you’re going to operate a motorcycle, it’s crucial to take out a motorcycle insurance plan. Are you interested in the history of motorcycles? We’ve got you covered. Want to know more about motorbike plans? Feel free to contact the LG Insurance Group, serving Marietta, GA. 

A Brief History of the Motorcycle

The first motorcycle was a three-wheel model, and it was built by Edward Butler in the United Kingdom in 1884. The bike featured only one cylinder and, by today’s standards, was quite primitive. This bike hit the road a few years before cars.

In Germany, Gottlieb Daimler and Wilhelm Maybach launched their first motorcycle in 1885. During this period, countless other models were dreamed up and built. Still, it’d take a few more years for motorcycles to hit the mainstream.

In 1894, Hildebrand & Wolfmüller launched the first production motorcycle. In the United States, the first production motorcycle was the Orient-Aster, built by Charles Metz in 1898. Harley-Davidson began offering motorcycles in 1903. When World War I broke out several years later, motorcycles proved to be crucial for various duties and were often used by messengers.

We don’t know who took out the first motorcycle insurance plan. The first auto insurance plan debuted in 1897, and insurance policies for motorized vehicles quickly became popular. These days, the United States alone is home to nearly 10 million motorcycles. Now, electric motorcycles and other innovations are beginning to reshape the industry.

Need to take out a motorcycle insurance plan? Contact the LG Insurance Group, which serves Marietta, GA, and other areas nearby.

The Different Types of Boat Insurance Policies

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If you are a new boat owner in Marietta, GA, you may be tempted to add a rider to your homeowner’s policy to provide insurance coverage for your recent purchase. While such coverage is adequate for some vessels, for others, it is not, as the rider may not cover specific marine hazards. LG Insurance Group can help you determine what coverage you need to safeguard your new boat.

Boat or Yacht Insurance?

The size of your watercraft will determine which type you buy. Boat insurance is generally for vessels 26 feet and smaller. Recreational items like jet skis and other types of watercraft also fall into this category. Yacht insurance is for vessels 27 feet and larger, even if you don’t own a multi-deck watercraft. Yacht insurance usually provides broader and more specialized coverage than boat insurance, as larger vessels face more hazards and unique exposures.

Actual Cash vs. Agreed Value

Boat insurance policies are similar to those for autos in that you’ll have liability, collision, and comprehensive coverages. Yet one of the most essential parts of your policy involves how you want to insure your boat in case of damage. Actual cash and agreed-upon value are the two most common ways to provide reimbursement if a claim occurs. For agreed-upon value, you and your insurance company determine an amount for your boat if a total loss occurs. This amount will remain constant for the life of the policy. Actual cash value policies cost less upfront and can provide substantial savings, especially as the vessel ages. The insurer will pay up to your boat’s actual cash value when declared a partial or total loss.

LG Insurance Group, serving Marietta, GA, can help you determine the best policy and add-on coverages to fit your needs.

What Does Personal Articles Insurance Cover?

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LG Insurance Group is proud to offer the residents in and around the Marietta, GA, area top-quality insurance they can count on to provide protection. If you have valuable personal items, consider a personal articles Insurance policy. We encourage you to contact us to learn more about this type of insurance or any other insurance products we offer.

Personal Articles Insurance 

If you have valuable personal belongings, you want to insure them against theft, fire, or any other loss. You’ll want to purchase a personal articles insurance policy. Examples of items typically covered by this policy include expensive jewelry for coats, art, or designer bags. If you own high-value personal items, you’ll want to take a thorough inventory, produce receipts or verification related to their value, and work with one of our insurance agents to secure the right level of coverage.

If you would like to learn more about selecting the right policy, our agents can help. They can carefully assess the value of your personal items requiring coverage. They then match you with policy options that provide the most protection for your specific situation.

Once a policy is selected, we work with you to submit the documentation of proof of value and assist with obtaining the policy quickly. We can also help you with any claims submissions or changes to the policy during its lifetime. Our goal is to provide services that make ensuring the things you care about quick and easy.

Find Out More 

Contact LG Insurance Group to schedule a consultation with one of our knowledgeable Insurance agents. You can call or stop by our office and get answers to questions or find out more details about any of the products or services we offer in and around Marietta, GA, at our location.

The Difference Between an Umbrella Policy and Liability Coverage

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When it comes to insurance, there are two types of coverage that can be confusing: excess liability and umbrella insurance. They both offer extra protection, but they work differently. Let’s break down the key differences between them to help you understand which one might be right for you.

  1. Excess Liability Insurance

Excess liability insurance is like a backup plan for your existing insurance. It kicks in only after your regular policy’s limits are used up. It’s meant to give you extra coverage for specific situations, such as accidents or injuries. However, it doesn’t provide new types of coverage on its own and must be connected to your primary policy.

  1. Umbrella Insurance

Umbrella insurance is more comprehensive. It not only supplements your regular policies but also offers extra coverage for a wide range of risks. It can protect you from various liabilities like personal injuries, lawsuits, and accidents. It can be bought as a standalone policy, separate from your primary coverage.

Which One to Choose?

If you just want to boost your coverage for certain risks, excess liability insurance could be enough. But if you need broader protection across different areas, especially if you have a lot to protect, umbrella insurance might be the better choice.

Excess liability and umbrella coverage both provide extra protection, but they work differently. Excess liability extends your existing coverage, while umbrella insurance offers comprehensive protection across various policies. To decide which one is best for you, consider your risks and assets, and talk to your insurance agent, like LG Insurance Group, to make an informed choice. Having the right coverage ensures you’re prepared for unexpected events and gives you peace of mind.

Do You Need Home Insurance if Your Home is Owned Outright?

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If you finance or own your home, you must have home insurance to protect you against various risks. If you finance your home, you are required to have home insurance. However, if you paid your home off, you still need coverage to protect against losses. If you need excellent home insurance products, you can find them at LG Insurance Group. We serve the residents in and around the Marietta, GA, area. 

Home Insurance Coverage 

Your home insurance protects you from losses associated with covered risks such as fire and structural damage from storms. However, you may only be required to have home coverage if you own your home partially and there is no financing. Even so, you risk paying for repairs or replacement out of pocket without insurance. It would be best if you kept insurance in place to protect you and your family against hardships resulting from risks. 

Our team of experts can assess your current solutions and provide solutions that work for your specific needs. We can provide you with a summary of your needs and then offer insurance products with the best protection. 

Find Out More

If you would like to find out more about home insurance and how it can offer a blanket of protection, please call or stop by LG Insurance Group, serving Marietta, GA. Our team is knowledgeable and ready to provide assistance and information to help you make the right choice. Don’t own your home without insurance to prevent losses that can create financial hardship. Get protection that you can rely on to keep you safe all year.