Month: January 2023

Why do I need boat insurance in Marietta?

Posted on by agentinsure

Those in the Marietta, GA area will likely know the weather is hot during the long summer months. Fortunately, there are a lot of local lakes and waterways that offer a chance to stay cool and have fun. When you live here and want to enjoy the area as much as possible, getting your own boat is a good idea. Along with this, you need to have insurance for it. A boat policy is necessary for various reasons.

Protect Against Risk of Damage

A primary reason someone will want to have coverage for their boat is that it can protect against the risk of damage. If you buy a boat, you will want to use it for a long time. When you have boat coverage, it will offer the support you need to replace or repair it if the boat is stolen or damaged in an accident. 

Offset Liability Risks

You also should consider insurance for your boat as it can help to offset your liability risks. If you choose to operate a watercraft, there is a chance that you could cause an accident. When this occurs, you will want financial resources to cover the damage. If you are not insured with a boat policy, you must pay for repairs out of your own pocket. 

Having boat insurance is always essential if you own a watercraft in the Marietta, GA area. If you want to start looking for this coverage here, it could be wise to begin your search by calling the LG Insurance Group. The professionals with the LG Insurance Group know the value of this coverage and can help you create a plan that will meet your needs. 

Flood Insurance: Do You Need it?

Posted on by Linda Grissett

Flooding can happen anywhere, and it’s important to be prepared. While properties located in high-risk flood zones are more likely to experience flooding, it can also occur in areas that are not considered high-risk. Even if you are not in a high-risk flood zone, there are other factors that can increase the likelihood of flooding such as nearby bodies of water, heavy rainfall, and poor drainage. Additionally, if you live in an area that has a history of flooding, it may be a good idea to get flood insurance even if you are not in a high-risk flood zone.

It’s important to note that standard homeowners insurance does not cover flood damage. If your home is damaged or destroyed by a flood, you will need to have flood insurance in order to receive financial assistance to repair or rebuild your home.

When determining whether or not you need flood insurance, it’s a good idea to speak with an insurance agent who can provide you with more information about the specific risks associated with your property. They can help you understand the different types of flood insurance that are available, and help you make an informed decision about whether or not to purchase flood insurance.

Keep in mind that if you have a mortgage on your property, your lender may require that you have flood insurance. Even if you own your home outright, it’s still a good idea to consider purchasing flood insurance as a precaution. It’s better to be safe than sorry when it comes to protecting your home and your family from the financial devastation that can result from flooding.

In conclusion, flooding can happen anywhere and it’s important to be prepared. Even if you are not in a high-risk flood zone, you may still want to consider purchasing flood insurance as a precaution. If you have any doubts or concerns about whether or not you should get flood insurance, contact LG Insurance Group and we can provide you with more information about the specific risks associated with your property and help you make an informed decision.