Do you need a personal articles insurance policy?

You work hard for the money you spend on items for yourself and those are as important to you as your vehicle and home which is the reason you may want to consider a personal articles insurance policy. This is an additional insurance policy that covers items you value that may not be automatically covered under other insurance policies you may already have in force.

What Does Personal Articles Insurance Cover?

A personal articles insurance policy covers items, such as valuable jewelry, paintings, and other fine art, furs, and collectibles. It can also cover equipment that you have in your possession, including camera equipment, musical instruments, computers and software, silverware, and certain types of sports equipment. It can also provide coverage for medically-related items, such as wheelchairs, walkers, prosthetic devices, hearing aids, and other medical devices.

The best part of personal articles insurance is that it covers your personal items of value whether they are lost, stolen, or damaged at your home or on the road. For example, if you are on vacation and have your camera equipment with you and it is damaged, it will still be covered under your personal articles policy. Another example would be if you have expensive jewelry with you while on vacation and it is stolen, your personal articles policy will cover the loss. Your policy is in effect no matter where you are at the time of the incident, including in another state or country.

Obtain a Policy

To create and obtain a personal articles insurance policy that is tailored to your needs, you need to contact a trusted insurance agent who is experienced in personal articles insurance coverage. At the LG Insurance Group in Marietta, GA, personal articles insurance agents are prepared to assist you in creating the best policy for you and your situation. Call today for an appointment and get your policy started.

Can Small Business Owners Benefit From Umbrella Insurance?

When we talk about umbrella insurance in Marietta, GA, we’re generally talking about million-dollar policies or bigger. For many small business owners, that may seem a bit excessive. Your business might not even be your fulltime job just yet, so some entrepreneurs may wonder why they would want to insure for seven figures a business valued at four or five.

What many of these small business owners fail to recognize, however, is that you’re not just insuring your business, but all of your personal assets, against liability concerns. Liability is where the real risk lies.

If your business burns down, you might be able to replace it from your own personal savings. But liability can easily hit six, seven figures from a single incident. For many small business owners, this is more money than we’re going to be able to cover ourselves anytime soon. Maybe you can replace your equipment, your inventory, but covering a lawsuit may be more than most businesses can handle.

So you have a couple of options: You can either buy excess liability on every policy you carry, or you can buy umbrella insurance to give some additional protection to all of your policies in one go. Umbrella insurance offers protection not only for your business but for your home, auto, boat, and so on. Essentially: If you have a liability policy, umbrella insurance will extend it.

If you are looking to get covered in Marietta, GA, or if you have any questions, don’t hesitate to get in touch with us at LG Insurance Group. You can visit the LG Insurance Group website, visit us at our offices in person, or call us on the phone to see what we can do for you, your business, your home, and your family. Liability costs can quickly spiral out of control, and you want to make sure that you’re covered, come what may.

How Is Home Insurance Value Determined?

When you purchase a new home you typically will purchase home insurance right along with it. While it may depend somewhat on the mortgage you receive and the property you buy, home owner’s insurance will typically come right along with it. But how is your home insurance value determined? This is one of the first questions our staff here at LG Insurance Group addresses. If you live in greater Marietta, GA, our staff here will address this and all other home insurance questions you might have. 

How Is Home Insurance Value Determined

The exact premium is going to vary a bit depending on what you’re looking to accomplish with your insurance and with your insurance provider. There is typically a set value amount paid per dollar your property is worth. However, there are other factors included when it comes to this. What you pay may not be what your friend pays on the other side of town. This is because the insurance provider will need to consider the cost of rebuilding the home (if you have an older home and materials are hard to come by). The age of the home will impact it if there is older wiring and plumbing. Fire protection in the area as well as the claims history will play a role as well. Finally, your personal claims history will also potentially impact your insurance coverage costs. 

All Your Home Insurance Questions Answered

If you are shopping around for new home owner’s insurance, are looking to buy a property, or you’re simply wondering what kind of insurance options are available to you, our staff here at LG Insurance Group is here to assist you with all of your needs. So, if you’re interested and live in greater Marietta, GA, our staff here is just a phone call away. 

Summer Driving Tips

A family road trip in Marietta, GA can be the perfect summer activity but you need to make sure your car is up for the task.

What to Do Before You Go

Before you hit the road, get your car serviced. This includes an oil change, tire rotation, battery check, and tune-up. If you have stuck to a service schedule then your vehicle should be ready to go. Regardless of when you got your car serviced last, you want to double-check some basic safety equipment, such as tires, lights, the cooling system, fluid levels, wiper blades, and air conditioning. Check to make sure your insurance is up to date by speaking with an agent at LG Insurance Group. 

Pack an Emergency Roadside Kit

It’s still possible for a well-maintained car to break down so you should have some supplies with you. While a cell phone tops the list, other things you should have to include a flashlight, jumper cables, work gloves, basic repair tools, a first aid kit, and non-perishable food and drinking water.

Safety First

Protecting your family should be on top of the list in Marietta, GA. Be sure that every passenger is wearing his or her seatbelt at all times. If you are traveling with children, make sure they are in an appropriate car seat and that it is installed correctly. Don’t leave children unattended in the vehicle and remember to lock the car when exiting so children don’t get trapped inside.

Stay Alert

A long trip can be taxing so be sure to plan time to stop and get in a stretch. You may even want to consider switching drivers.

Avoid Risky Driving Behaviors

The focus of the driver should be driving and there shouldn’t be any distractions, including cell phone usage, drinking, eating, or using in-vehicle technologies. Obey the posted speed limit and be sure to share the road with other motorists out for their summer fun.

Contact LG Insurance Group to get a quote on auto insurance.

Tips to help you recover after floods

The residents of Marietta, GA have to deal with mother nature every once in a while. Depending on where you live, you may not be able to control floods, but you can always prepare and plan your recovery. Floods can be destructive, particularly when they come unannounced.

However, the best way to manage the situation is by learning how to recover and get your life back to normal as fast as possible. LG Insurance Group also recommends buying insurance early to help cover the damages that come with flooding.

Stay safe

The first step into flood recovery is making sure that you, your family, and loved ones are safe. Shut off all electricity and gas around the home until the home is dry. The last thing you would want is a shock hazard after floods. To avoid the risk of injuries, wear protective clothing, and footwear.

Be thorough

When inspecting the house, leave no stone unturned. Be careful with potential hazards such as falling debris. Remove or get rid of anything porous or wet like a mattress, blankets, pillows, and carpets. Dispose of what you feel is damaged. Items such as clothing, furniture, and various equipment can be salvaged by drying or cleaning.

Clean and dry

After floods, cleaning the entire home is critical in disinfecting the structural areas. It is advisable to remove everything from the house for easier cleaning. This also helps give you a clear view of the house and any damage that may need immediate attention like falling walls and damaged wooden floor. After cleaning, the house should be left to dry thoroughly before fixing things back into their places.

While floods are a common natural disaster, one can never be completely prepared. The whole transition can be stressful and emotionally draining. Speaking to a flood insurance agent at LG Insurance Group can help give you emotional support. Feel free to visit us at Marietta, GA today!

Three common misconceptions about RV insurance

RV insurance is a product we sell at LG Insurance Group that you want to understand well before you purchase. If you’re on the market for RV insurance in Marietta, GA, you should be aware of common misconceptions.

The following are three common misconceptions to be aware of regarding RV insurance.

RV insurance will automatically cover all of your possessions inside your RV.

An RV insurance or a homeowner’s insurance policy isn’t necessarily going to cover items inside your RV. Your RV insurance might cover these items up to a certain amount. However, you should really look into the details. It’s highly likely that you’ll need to purchase additional coverage for your possessions to get them covered up to their full value. 

Regular auto insurance is sufficient for an RV.

Generally speaking, RVs require more liability coverage than automobiles. This is because they are larger and can do more damage. Look up the state requirements for RV coverage in your state. Then, make sure you choose a policy that meets these requirements. 

If you rent an RV, you benefit from the coverage of the company you rent from.

This is something you really need to look into before assuming it’s true. You should definitely have your own insurance coverage for any rental. You could be held liable for any damage that occurs during your rental period even if the company you rent from has insurance on the RV. 

You need to do your research before you buy an RV insurance policy in Marietta, GA. At LG Insurance Group, we’re happy to answer all the questions you have about the products we offer. Get in touch with us and we’ll be happy to help. 

Motorcycle Insurance Requirements

LG Insurance Group Talks Motorcycle Insurance Requirements

The state of Georgia applies the same insurance requirements to motorcycles as to automobiles. Before you get out onto the road, you must prove you have insured the motorcycle.

LG Insurance Group of Marietta, GA wants you to remain safe on the roads of Georgia, so we encourage defensive driving and proper insurance. Georgia instituted the requirements it has to provide you financial protection in case of an accident.

A motorcycle is defined as any two-wheeled vehicle with 50 cubic centimeters or greater motor that can exceed 30 miles per hour on a flat surface. You must insure a motorcycle under state law with a 25/50/25 policy level liability policy.

  • $25,000 per accident for property damage,
  • $50,000 per accident for bodily injury or deaths for all others involved,
  • $25,000 per accident for bodily injury or death for one person.

Since Georgia does not require personal injury protection, the state minimum insurance only protects you from liability for damage you cause to another person’s vehicle. Although the state does not require it, you do need additional insurance to protect yourself from medical injury costs above the other guy’s insurance or when the other driver does not have insurance.

Obtaining comprehensive and collision policies make sense to protect yourself and your investment. These two policies protect your vehicle against damages.

You need to ride with proof of insurance. Don’t leave home without it. You will incur fines and potentially license suspension if you do not have insurance and get stopped on Georgia roads.

Get the motorcycle insurance, you need today. Contact LG Insurance Group of Marietta, GA for help getting the coverage you need.

Do Jet Ski Owners Need Boat Insurance?

If you are planning to enjoy water activities on a jet ski, you will need to learn more about the available insurance options to protect you and the others who may be out on the water too. Jet skis pose a higher risk of accidents, which is why having insurance in place is crucial.

Jet Ski Insurance

If you currently own or plan to own a jet ski, you will need to obtain special recreational insurance. Regular boat insurance isn’t designed for jet skis. Recreational insurance covers several different types of craft ranging from four-wheelers to wave runners and jet skis. Before settling on a policy, you should work with an insurance agent to find a policy that is reliable and fits your needs. You want to make sure that you have adequate coverage to help prevent losses as a result of a covered event so you can enjoy your time on the water without having to worry.

Finding A Policy

Start your search for the right insurance with the assistance of a skilled insurance agent. If you are living near the Marietta, GA area, you can turn to LG Insurance Group to help you make sense of which types of insurance you need, and what level of coverage is necessary to protect you. They can work closely with customers to help find the right policy, submit documentation, and even help with a claim. 

There are risks when you are on a jet ski, which is why having the right protection is important. Those who live around the Marietta, GA area should call or stop by LG Insurance Group to speak with an agent today. 

Does Flood Insurance Cover Broken Pipes?

You own a home in Marietta, GA. That’s great! Do you have flood insurance? Atlanta may not get it as bad as Florida, but storms do hit, and floods do happen. If you’re looking to get a good flood policy, you probably have a few questions. One we’ve seen here at LG Insurance Group is whether or not flood insurance covers burst pipes. Here’s the short answer.

What Is the Source of Water?

When it comes to flooding, there are usually two sources: piped water and external water. Now, every policy is unique, so you always need to check for exceptions in your own agreement. That said, here are the usual rules. Flood insurance covers flood damage that comes from rising, external water. Mostly, it refers to natural flooding, but it never includes water from a burst pipe.

If you have flooding or water damage from a burst pipe, that’s usually outlined in the homeowner’s policy. How that damage is covered will depend on the policy, but it’s where you want to look first.

Initial vs Resulting Damage

Even if you do have coverage for a broken pipe, it can get a little more complicated. Many policies distinguish between initial and resulting damage. Typically, the policy is designed to cover immediate water damage from the flooding. This can include draining the water, treating to prevent mold and replacing drywall. It usually will not include repairing or replacing the damaged plumbing. That is usually considered a routine maintenance and is the responsibility of the homeowner.

Even in Marietta, GA, the risk of water damage can get complicated. If you want to make sure you have the right coverage for all of the risks, talk to your representative with LG Insurance Group.

Is RVĀ Insurance Mandatory In Marietta, GA?

Marietta, GA residents who find themselves wondering if RV insurance is required in Georgia will typically meet with LG Insurance Group to learn more. As a bare minimum, there is a certain level of coverage that is required. The same level of liability insurance that would be purchased for a more typical motor vehicle is required.

From there, the insurance that is going to be purchased will depend on the vehicle itself. Finding the policy that meets the requirements and then some is not always as easy as it looks. A Marietta, GA RV owner must make sure that they are purchasing the insurance policy that is best for their class.

A Class A RV will always require a higher amount of insurance than a Class B or Class C vehicle. The rates for those who plan to utilize their RV for commercial purposes are also going to be much higher, so be sure to bear this in mind.

From there, it is important to know what the insurance plan is actually going to cover. If the RV is less than five years old, the motorist may qualify for a total loss replacement plan. In these instances, the RV owner’s vehicle can be replaced by a vehicle of equal value.

Comprehensive coverage is also key, as it provides the RV owner with the chance to cover any losses or damages that take place. Even when the RV is not actually in use, the motorist is covered for any external damages that occur. This includes theft, vandalism, fire, and other weather-related issues.

Roadside assistance and towing is also important. This ensures that the RV can be tended to any time this sort of assistance is needed, at no additional cost to the motorist.

In the meantime, those who are looking to learn more about the RV insurance coverage that their vehicle requires are urged to visit the LG Insurance Group website today….so that they can find out everything that they need to know!