What is personal articles insurance?

With just over 60,000 residents, Marietta, GA is an ideal place for families and single people who want to embrace the small-town feel. Even with the chaos of the city living far away from the quarters of Marietta, though, there is still the potential for tragedy to strike. You want to make certain that your home is covered as well as the possessions inside in such instances. The agents at LG Insurance Group can help you financially protect your personal possessions with personal articles insurance. 

What is personal articles insurance?

Personal articles insurance is indemnity coverage that provides protection for valuable items that may not be covered under a standard home insurance plan. Jewelry is a prime example of what would fall under personal articles insurance as it generally has high value but is also easily lost or stolen. 

The average home insurance plan may not give the full value for lost or stolen jewelry. A personal articles insurance policy will, however, pay for the value of your most valued possessions up to the policy’s limits. 

How does the insurance plan work?

Individuals who file a claim under personal articles coverage will generally receive compensation based on the tenets of their policy agreement. 

Replacement value under a personal articles plan will give policyholders enough to purchase a new version of the lost or stolen item. Meanwhile, actual cash value pays out according to the market value of the lost or stolen item. 

There are some instances in which an insurance company will establish an “agreed value.” This amount is what an indemnity provider will pay regardless of how much an item’s market value depreciates. 

Call today for a quote!

The agents at LG Insurance Group can help you fully understand personal articles insurance and how coverage can benefit your lifestyle in Marietta, GA. Call today to request a quote!

Who can buy umbrella insurance in Marietta, GA?

If you have ever wondered why liability coverage is included in every policy you buy, you’re probably headed in the right direction. We live in a litigious society where lawsuits can rain on you anytime. If you are a parent to some naughty teenagers or a business owner in Marietta, GA, you may want to seriously consider having more than enough liability coverage. LG Insurance Group recommends buying umbrella insurance to top up on your liability coverages from other policies. So who needs extra liability insurance or umbrella insurance? Read on to find out!

Pet owners of restricted breeds

Home insurance in Marietta, GA does not cover all pets. If you own a risky breed that is not covered in your home insurance, you could benefit from umbrella insurance that offers liability coverage for pet bites and other injuries to other people. The policy can pay medical bills and legal fees if you’re sued for injuries that your pet inflicts on other people.

Take on extreme water sport activities

Boat insurance comes with liability coverage, which may not be enough if you engage in extremely risky water activities. You could get yourself and other people injured, and your liability coverage may not be adequate to cover all the medical expenses, especially if there are multiple people involved.

Parent to young children

You will never know what happens at your home when you leave your children behind until a neighbor calls you reporting that one of your children broke their window. With children, accidents happen everywhere, including school, and you can be sued when your child injures other children or damages their property.

Landlord or Property owner

Landlords and property owners have every reason to carry umbrella insurance. Being a landlord means dealing with unending lawsuits due to property damage or injuries resulting from a fault in the building. Lawsuits can be expensive, and that’s why you need to have enough liability.

Buy umbrella insurance and get the peace of mind you deserve. For more information, quotes, or new policy discussions, be sure to contact LG Insurance Group, and we will be happy to respond.

3 Uncommon Things to Look Out for with Your Home Insurance

Understanding Your Home Insurance

Your homeowner’s insurance may have some uncommon elements to it that you may not be aware of. Some situations that are covered for damages are usually not considered until they happen and it is discovered homeowners cover it. Your pets may damage a neighbors property or you need to relocate a wedding from your home to another location. These situations may be included in your policy. Speaking with a qualified agent is one way to get a better understanding of what is covered in your policy.

The agents at LG Insurance Group of Marietta, GA have years of experience helping people understand their homeowner’s insurance to get the most out of their policies. We can and answer your questions about uncommon things in your homeowner’s insurance.

Uncommon Things in Your Homeowners Insurance

  • Unauthorized Use of Credit Cards – Some homeowner’s policies will reimburse you for a certain amount if someone uses their debit or credit card without permission. Many people find this as a surprising addition to their policy.
  • Incidents Involving Pets – If your dog bites someone or damages property, your homeowner’s insurance may pay for hospital bills and expenses. Be sure to check with your provider and agent about coverage.
  • Loss of Use – This may apply if you have to relocate an event that was to be held at your property. The cost of relocating may be able to be claimed.

Expert Insurance in Georgia

Contact us at LG Insurance Group of Marietta, GA for a hassle-free quote on quality homeowners insurance. Our agents are happy to answer your questions and get a policy that works for you. We look forward to seeing you at the LG Insurance Group.

How to stay safe when RVing

Rving comes with extreme freedom and an exciting lifestyle with unbeatable means of travel. It’s your home on wheels that keeps you relaxed with a homely feel even when you’re thousands of miles away from your physical home in Marietta, GA. If you’re planning to buy an RV or already have one in your garage, safety is what takes you out and brings you back. At LG Insurance Group, we recommend learning special safety precautions to ensure that your dream lifestyle doesn’t turn into a nightmare.

Inspect Your RV Before Leaving

Never start driving your RV before conducting a mechanical inspection. It is one of the simplest ways to stay safe and avoid accidents that would lead to the loss of lives. Have a checklist of what you must check and do before you leave and when you get to the campsite. Simple routine inspections such as brakes, engines, door locks, mirrors and other essential things can go a long way towards saving lives.

Research or Study the Route You Will, be Driving a Day Before Your Journey

In your everyday commute, you don’t think much about the place you will be diving because you are used to the same roads. You know where sharp corners are, where dangerous bends are and where the potholes are located. However, when it comes to foreign roads, you don’t know what is ahead, so you do your due diligence to find out and learn what to expect.

Invest Heavily in Road Assistance and Liability Coverages

Despite all the preparations, things still happen. Remember, not all drivers are as careful as you are.  Wildlife on the roads, flat tires and engine troubles can get you into danger, and the worst part of it is when you have no clue who to call to get help. LG Insurance Group recommends adding roadside assistance to your RV insurance policy.

Buy RV Insurance in Marietta, GA

Don’t forget to check and update your RV insurance. If you are unsure how to go about RV insurance, our experts at LG Insurance Group can help you find a policy that fits your RVing needs. Call us today.

Who Needs Flood Insurance In Georgia?

If you own a business or home in Georgia, flood insurance is a safety net that you can’t afford to do without. Flood insurance protects your building and its contents from flood damage. While many people make the mistake of assuming that homeowners insurance covers flood damage, they may be in for a rude shock when they find out that typical home insurance plans exclude flood coverage.

The good news is that you can steer clear of insurance confusion when you partner with the right agency. For Marietta, GA residents, you can count on LG Insurance Group for your insurance needs. 

Why you need flood insurance

Because your typical insurance covers don’t cover flood damage, you need flood insurance to protect your building and its content. Flood coverage is sold through the National Flood Insurance Program (NFIP) and has a coverage limit of $250,000 for buildings and $100,000 for the building contents. 

What if my building and the contents exceed the NFIP minimal coverage? Well, private insurance companies offer excess flood protection that covers beyond the NFIP maximum coverage. 

Must I buy flood insurance for my home?

While it’s not mandatory to carry flood insurance in Georgia, it’s highly recommended you purchase one even if your home is in a moderate to low-risk flood area. In fact, according to FEMA, approximately 20 percent of flood insurance claims come from homeowners living outside high-risk flood areas.

Again, if your home is mortgage-financed by a federal-regulated lender, you must purchase flood insurance if your home is in a high-risk flood area. And even if your property is not within a high-risk flood area, your lender may still need you to purchase flood insurance to cover flood damage until you pay off the mortgage.

Would you like more information about flood insurance? Please get in touch with LG Insurance Group located in Marietta, GA. We shall guide you to get the right flood coverage and even assist you with making claims.

Why should I get RV insurance in Georgia?

In the Marietta, GA area finding a way to explore the rest of Georgia and other parts of the country is a good idea. If you would like to find a fun way to get around this area, purchasing an RV is a good option. RV owners are going to enjoy having a large and safe vehicle while also having a convenient place to sleep and relax when not on the road. Along with buying an RV, you also need to get RV insurance for many reasons. 

RV Insurance is a Requirement

A key reason that you will want to have RV insurance is that it is a requirement. Having a full RV insurance plan with liability coverage is required if you want to be able to drive it legally on a public road in the state of Georgia. Further, if you have a loan outstanding against the RV, you will need to have a full policy with collision and comprehensive protection to comply with your lender.

RV Insurance Gives Great Coverage

You should also get an RV insurance plan as it will give you great coverage. Someone that gets a full RV insurance plan will get the coverage needed to repair and replace their vehicle if it is damaged. Further, you will get a liability insurance plan that offers protection if you ever get into an accident.

Anyone that is shopping for RV insurance should speak with the team at the LG Insurance Group. The insurance professionals at the LG Insurance Group can help people all over the Marietta, GA area evaluate their RV insurance needs. They will be able to answer your questions and give you the support needed to build a quality policy that covers you and ensures you stay in full compliance. 

Motorcycle Insurance Add Ons To Consider

Motorcycle insurance is so much more than simply protecting the motorcycle itself. There are all kinds of additional features and add-ons you need to look into and consider. Some may not apply to how you ride, or the equipment you use, but there will be other options that absolutely will help assist you in improving your ability to maintain peace of mind. So, if you live around Marietta, GA and own a motorcycle, contact the team at LG Insurance Group to learn more about the kinds of motorcycle insurance add ons that might work for you. 

Roadside Assistance

You never know when you might need help. Roadside assistance is there for you should something happen to your bike while out on the road. Whether you blow a tire or are in an accident, roadside assistance is there for you. 

Motorcycle Add Ons

Maybe you’ve added a trailer car to your motorcycle, some storage compartments to the side, installed new features, or have done anything else to upgrade your motorcycle. You’ll want your insurance coverage to protect this. The right kind of motorcycle add-on insurance coverage allows you to tweak your insurance policy in order to cover these bikes add ons. 

Properly Insure Your Motorcycle Today

Insuring your motorcycle is important. Making sure you have the right kind of insurance will give you peace of mind while also saving you money along the way. If you live around Marietta, GA and own your own motorcycle, or if you have been considering the purchase of a new motorcycle, you need insurance coverage that protects you and your bike like a glove. LG Insurance Group wants to help provide you with this coverage. So feel free to give the team a call at your earliest convenience. 

Why do I need boat insurance in Georgia?

Those that are residents of frequent visitors to the state of Georgia know how long and warm the summers can be. For those that want to escape the heat, investing in a boat is a great option. If you are in the Marietta, GA area and want to buy a boat, you also need to get the right insurance for it. There are a few different reasons that you will need to get boat insurance when here. 

Insurance is a Requirement

A common reason people do get boat coverage is that it is a basic requirement for some owners. A lot of boat owners have some insurance obligations that they need to abide by. Anyone that has taken out a loan when they bought their boat will have to carry insurance on it at all times. Further, if you want to use certain local marinas, you may have to meet their insurance requirements.

Insurance Gives Important Coverage

Boat owners should never underestimate the value and benefits that a boat insurance policy can provide. If you choose to obtain this type of coverage, it will give the insurance protection that you need to repair your boat following an accident. Further, boat insurance will offer liability protection, which is very helpful if you are ever sued for liability following an accident that results in damages. 

When you are in the Marietta, GA area and are looking for a boat insurance policy, it would be a good option to call the LG Insurance Group. As you are speaking with LG Insurance Group, you can continue to learn more about the benefits of this type of coverage. The team will be able to answer any of your questions and ensure that you pick the best policy for your situation. 

A Look At Some Common Misconceptions Regarding Flood Insurance

 Based in Marietta, GA, LG Insurance Group offers residents multiple types of insurance coverage. We are committed to helping our clients find policies that align with their individual needs. We have positive working relationships with multiple carriers, which allow us to provide our clients with multiple options.

Common Misconceptions Regarding Flood Insurance

As a Marietta GA resident, consider the benefits of flood insurance. Southern Weather is often unpredictable at times. During cases of severe weather, flood insurance provides you with peace of mind. The policy covers your physical property, as well as your personal items if they suffer damages caused by a flood. While you are researching policies, avoid some of these common flood insurance misconceptions.

Perhaps you have heard that the best time to search for coverage is before an impending storm. This is incorrect. Keep in mind that you’ll likely have to deal with a waiting period before your policy starts. If you are searching for coverage the same week that a storm is heading into the area, you’ll likely be left unprotected if your personal items are damaged. Consider looking for coverage during another part of the year when the weather is more stable.

You may have heard that flood insurance isn’t necessary depending on the area that you live in. Flood insurance is an asset regardless of what area in Georgia that you stay in. A natural disaster may occur at any moment in the South, which is why you need protection.

Another common misconception regarding flood insurance is that you can use your homeowners’ policy to cover any flood based damages to your property. This is incorrect. The only way to fully cover all of your belongings is through having a traditional flood insurance policy.

LG Insurance Group Will Help You Prepare For Emergencies 

Visit our website to learn more information about flood insurance.

Which RV coverages should I consider when going out for vacation?

RVs were creatively designed for vacations. They are the perfect additions for your tours and trips in Marietta, GA where there are plenty of destinations to visit.  However, these homes on wheels come with critical financial responsibilities such as maintenance, insurance, and storage. At LG Insurance Group, we are all about helping you safeguard your investments, and that’s why we recommend having adequate RV insurance when out for vacation. So which coverages should you consider?

Roadside assistance

Travelling comes with many unforeseen mishaps that could happen in the middle of the road. That’s why most RV insurance companies include roadside assistance in case you get stuck in a remote area where there are no people to help.  This coverage helps provide emergency services such as towing and fixing your RV if it is a mechanical problem.

Property damage and bodily injury liability

It is almost impossible to go out on vacation without adequate liability. Whether you are using a travel trailer or a motorhome, you need liability coverage just in case you cause an accident, and other people get injured.

Personal effects coverage

RVs have enough storage spaces to keep your personal belongings and make you feel at home. For this reason, you may want to protect your valuable possessions by purchasing separate coverage for them. Most RV insurance policies in Marietta, GA cover your possessions, but it may not be adequate to cover and replace everything you own in case they are damaged or stolen.

Vacation liability

When out on vacation, you need comprehensive liability coverage to cover other aspects of your finances, such as hotels, parks, and airline tickets. If a trip is canceled due to weather, vacation liability can help you get your money refunded. The coverages also provide additional cover in case of accidents that occur where you are camping.

For more information about RV coverages, feel free to contact us at LG Insurance Group today.