Protect Your Vacation Fun with RV Insurance

Do you own an RV? Are your summer months filled with good times traveling around? Is it insured? Contact the LG Insurance Group, serving the area in and around Marietta, GA, to get the protection you need for your RV.

RV insurance is protection if you cause damage or injuries to others. It will also cover the repair cost of your vehicle if a covered incident happens. Various coverage will differ based on how you use your RV – as a full-time residence or for recreation.

Coverage will also vary based on how the RV is operated. If driving a motor home, you will need separate liability to remain on the road. If you are pulling a travel trailer, you do not need separate liability insurance because it is covered by your auto insurance policy while towing it.

So, what insurance should you have on your RV? You are only required to have standard liability insurance for the protection of others, in addition to personal injury protection, or PIP, if you live in a no-fault state.

Your homeowner’s insurance policy may cover the personal property stored inside your RV, such as clothing, kitchen supplies, jewelry, or firearms. But it will not cover loss or damage to the RV itself. On the other hand, car insurance policies will cover the trailer, not personal property.

RV insurance will cover theft, depending on the type of coverage you have. If you have comprehensive coverage, theft of the RV and all internal components that were initially part of the RV at purchase, such as folding beds and cabinets, will be covered.

Don’t allow your summer fun to be compromised. Purchase RV insurance to have peace of mind knowing you are protected. Contact the LG Insurance Group today for a free, no-obligation quote.

Do I need to have a motorcycle insurance plan?

Owning a motorcycle can be a good option if you live in the Marietta, GA area. When you live in this part of Georgia, owning a motorcycle will give you a fun and efficient way to get around. If you choose to purchase this type of vehicle, you also need to get the right insurance. A full motorcycle insurance policy will provide various forms of support and coverage that will make it a good investment. 

Coverage for the Motorcycle

One of the reasons to get a motorcycle insurance policy is so you can protect the asset. A motorcycle can cost a lot to purchase and maintain. Due to this, you will want to know you are doing all that you can to protect this asset. If you can invest in a motorcycle insurance policy, it will give you the coverage needed to replace or repair it if you incur a loss.

Ensure Compliance

You also need to have a motorcycle insurance plan so you can ensure insurance compliance. Anyone who purchases a vehicle in Georgia must have liability coverage, which extends to motorcycle owners. Further, if you have taken out a loan when buying a motorcycle, you need coverage to repair or replace it. With a full insurance plan, you will have this support.  

If you move to the Marietta, GA area, it would always be a good idea to obtain a motorcycle insurance policy. Those that do live here and need motorcycle insurance should call the team with the LG Insurance Group. Various choices need to be made when looking for this insurance, and the LG Insurance Group will provide valuable support. This will help ensure you have a motorcycle insurance plan that protects you and keep you in good standing with obligations. 

Are repairs covered by your boat insurance policy?

The team at LG Insurance Group is here to help Marietta, GA area boat owners with their insurance needs. If you have questions about what type of policy is right for your needs, we can provide the information you need. Our team is here to answer your questions today. Call or stop by!

A comprehensive boat policy is the way to go.

There can be a lot of questions about boat insurance and what coverage each policy provides. Every policy can be different, so it’s essential to do some research before selecting one. If you want to ensure that items such as repairs are covered, it can make sense to go with a comprehensive policy.

Many basic boat policies provide limited coverage outside of liability. In some cases, there is very little protection when it comes to boat repairs. If you have a comprehensive boat insurance policy, it is much more likely that repairs needed due to a covered event will be included in your policy.

Please don’t wait until it’s too late to find out that you don’t have the coverage you want and need. Take the time to review your policy to see any gaps in coverage carefully. Sitting down with a local agent is a great way to ensure that your policy is what you want.  

Find out more today!

Marietta, GA area boat owners can turn to the LG Insurance Group team for all their boat insurance questions and concerns. If you want to ensure you have the protection you need, we are here to help. Contact our office today and learn more about the comprehensive boat insurance options available in our area. 

High Value & Personal Articles Insurance

Have you been gifted a precious family heirloom or a batch of gadgets during occasions like Christmas? It’s imperative to know that the standard home insurance, in most cases, does not safeguard these expensive and precious items against impending calamities like theft. These high-value items include jewelry, electronics, antiques, silverware, and sporting equipment.

Are you a seasoned collector or just a starter in Marietta, GA? Please get in touch with us at LG Insurance Group today, and our agents will provide you with the necessary information to ensure that your high-value articles are safe.

What Are High-Value and Personal Articles Insurance?

When you procure home insurance from reputable insurance, part of the policy is responsible for safeguarding the personal belongings you have stored in your dwelling. Unfortunately, this coverage is a percentage of your homeowners’ insurance value, encompassing exclusions and deductibles, particularly when high value and personal articles like jewelry are involved.

A valuable insurance policy covers high-value and personal articles such as art, antiques, jewelry, collectibles, guns, wine, and spirits, among others, against calamities like theft, whose value is not included in standard personal property insurance.

What Do High-Value and Personal Articles Insurance Cover?

High-value articles that are covered by this type of insurance include a range of coverage but are not limited to:

  • Worldwide coverage: This protects the jewelry you and your family have inherited, irrespective of where you travel globally.
  • All-risk coverage: This coverage covers an expansive list of risks but doesn’t have any deductibles. These policies impose few limitations, but they are considered more accommodative than personal property insurance.
  • Mysterious disappearance coverage: There are instances when your high-value article can get lost without any knowledge or detection. This policy covers your items when they get misplaced, lost, or stolen.
  • Blanket or scheduled items: It provides a platform in which all your items are protected in one collection but bears a few limitations. There is also a choice of selecting scheduled items and ensuring that each collection is covered separately.
  • Breakage or damage: It provides coverage for your items when they suffer breakage or damage from smoke or fire.

Do you own high-value and personal articles in Marietta, GA, seeking their protection from impending calamities? Please call or visit us at LG Insurance Group today and get more information on safeguarding your high-value and personal articles with reliable coverage.

How Much Umbrella Insurance Should I Carry?

If you’ve ever faced someone suing your business "for everything you’ve got," you know they do not have to win for the case to devastate you. At LG Insurance Group of Marietta, GA, we know that your homeowners’, auto, or business policies may not provide all the coverage you need for a high-value business, even if you carry the maximum protection available in that category.

What Is Umbrella Insurance?

Umbrella insurance provides additional liability protection. For example, when the value of your assets exceeds policy limits, an umbrella policy shields you from damage claims.

What Does Umbrella Insurance Cover?

Having umbrella insurance offers peace of mind by covering the difference between the total available protection in your other policies and the full value of all your assets, including your reputation. The typical policy costs $300 per $1 million. For example, a single accidental death lawsuit could cost several million dollars because Georgia allows the surviving spouse, children, or parents to sue for the tangible and intangible value of the dead person’s life. If you carry the Georgia state minimum auto policy, you would still owe everything above the $50,000/$25.000 limit.

Do Umbrella Policies Have Exceptions and Exclusions? 

Yes. Umbrella policies do not cover damages to you or your property, nor do they pay for intentional or criminal acts, 

How Do I Document My Assets?

Receipts, Bills of Sale, Titles, and Deeds help document your assets. When possible, engrave or etch items with your two-letter state abbreviation, followed by your driver’s license or state ID number. For example, if you live in Mississippi, use MS123456. If engraving might reduce the item’s value, use photos or videos instead.

Call our LG Insurance Group agents at (678)-671-8480, email us, or stop by our Marietta, GA office for a free review of your insurance. 

How Home Insurance Protects You

When people own a home, there are a lot of important responsibilities that are needed to take care of it. One of these is to get a home insurance policy on the home and to keep it for as long as you own it. If you are buying a home or already own one and need a home insurance policy, call us now at LG Insurance Group in Marietta, GA.

Coverage for the House

Part of the coverage you get from home insurance is coverage for the actual structure. This coverage can pay for repairs or rebuilding after an incident causes damage. These repairs can be costly, so it’s vital to have house coverage. Don’t risk something happening to your home that you can’t afford to repair. 

Protection for Items Inside

Another form of protection you get from these policies is protection for your items inside the house. This protection can be just as valuable as the protection for your house. When all the items you have in your home are added up, the amount it would cost to replace them all is considerable. This protection is highly valuable in case a covered incident ruins your items. 

Liability Protection

When you have home insurance, it also protects you in case of an accident that happens on your property. It can be expensive to pay for the medical bills that result, but it may be required of you. When you have home insurance, it will pay those medical bills and other expenses that you may be liable for. 

Get Your Home Covered

It’s never a good idea to go without home insurance. Contact us at LG Insurance Group in Marietta, GA if you need a policy for your home.

Is Basic Auto Insurance Sufficient?

Most motorists know that car insurance is a worthy investment that can save you when things get tricky. However, most are likely to stick to the state-required car insurance to save money. While this might look like a well-thought-out saving plan, you will regret it when faced with a significant accident.

So, should I stick to basic auto insurance? LG Insurance Group of Marietta, GA explains why it’s risky to go this path.

Why minimum auto insurance is never enough

To expound on why basic car insurance is never enough, let’s look at the auto insurance requirements for Georgia. Motorists are required to have a car insurance policy that satisfies the following requirements:

  • Bodily injury liability of at least $25,000/$50,000
  • Property damage liability with a minimum of $25,000
  • Uninsured motorist property damage of at least $25,000 with certain deductibles

When you look at these insurance limits, you might think they are enough, but you will find they are inadequate when faced with a significant auto accident. For instance, assume you are responsible for an accident that causes property damage of $20,000 and bodily injury of $100,000 to multiple persons. Your state-required liability insurance will cover these liability claims up to $75,000. As for the balance of $45,000, you will cover it from your pocket unless you have enough liability coverage to foot the entire third-party bill. See why basic insurance is never a good idea? It can easily land you in a financial mess.

What we tell our clients

Since basic insurance is never enough, we usually advise our clients to increase the coverage limits. For motorists who want super-high liability coverage, we recommend considering umbrella insurance.

Secondly, we advise our clients to consider other insurance policies. Examples include:

  • Collision coverage
  • Comprehensive coverage
  • Personal injury protection (PIP)
  • Roadside assistance, and so on

Want a sound car insurance policy in Marietta, GA? Please get in touch with LG Insurance Group for a quote.

Common Flood Insurance Exclusions

Since flood damage isn’t covered by home insurance, most homeowners in Marietta, GA invest in flood insurance to ensure they are protected when the worst strikes. While flood insurance from LG Insurance Group covers your building and its contents, it has exclusions like other coverages. In light of this, typical flood insurance doesn’t cover the below risks:

Sewer backup

When the sewer lines are blocked or malfunctioning, causing flooding in your house, flood insurance won’t cover the damage unless the cause of the sewer backup is flooding. Similarly, flood insurance won’t cover in-house flooding. For instance, if broken pipes cause flooding in your house, the resulting damage will be covered by home insurance.

Earth movement

Any damage caused by earth movement won’t be covered by flood insurance, even if floods cause the movement. For such damage, you have to use your earth movement coverage.

Mold

Typical flood insurance may cover mold damage resulting from floods. However, flood insurance doesn’t cover any moisture-related mold not caused by flooding.

Detached properties

Apart from the garage, any detached structure is usually excluded from your flood insurance policy. So, home insurance doesn’t cover patios, fences, yards, lawns, and other outdoor properties.

Movable properties

A typical flood insurance policy doesn’t cover your vehicle and other movable properties. Check your auto insurance policy to see whether it covers flooding.

Additional living expenses

Should floods make your house unlivable, typical flood insurance won’t cover the additional living expenses you incur as your home is undergoing repairs. Typically, home insurance covers "loss of use" but excludes floods.

Learn more about flood insurance

Need more insights about flood insurance? If you are in Marietta, GA, or the surrounding area, you can never go wrong with LG Insurance Group. Contact us to learn more about flood insurance. We will help you secure affordable coverage, too.

 

RV Insurance: What You Need to Know

When it comes to recreational vehicles, there are a lot of things to take into consideration. Insurance is one of them. Here we will outline what you need to know about RV insurance so that you can make the best decision for your needs.

1. There are Different Types of Coverage to Choose From

When it comes to your recreational vehicle, you will want to ensure that you have the proper coverage. There are different types of RV insurance that people usually choose from.

Liability: This is one of the most important policy options to choose from. This option can provide coverage for damages you cause to other people’s property if it’s the result of an accident caused by you.

Medical Payments: Medical payments coverage can pay for the cost of injuries to yourself or others in your RV at the time of an accident.

Uninsured/Underinsured Motorist: This coverage can cover expenses for injuries to you or others in your RV due to an accident caused by another person who does not have liability insurance.  

Comprehensive: If your RV is vandalized or damaged by causes other than a collision, you will be covered with Comprehensive coverage. Even damage caused by animals can be covered in some policies.

Collision: With this type of policy, your RV will be covered for losses resulting from a collision with another vehicle or object.

2. Your RV Needs to Be Covered for Specific Situations

Your RV should be covered for circumstances that you deem to be very important. For example, if you have pets or equipment in your RV, this needs to be considered when it comes to the types of coverage you need.

3. You Should Read Your Policy Thoroughly

Your RV insurance policy has a lot of details about your coverage. This information is important to understand to know what types of damages are included if you need to file a claim. So, it would be best if you took the time to read through your contract carefully.

You need to ensure that you have the proper insurance coverage for your RV. This will ensure that you are protected if something happens with your vehicle. Contact LG Insurance Group in Marietta, GA, for more information.

Is it time to Update Your Motorcycle Insurance?

Let’s be honest. Renewing your motorcycle insurance is always a hurried affair from the moment you get the notification that your policy is about to expire. Your mind is always focused on renewing the policy without looking at the substance. Does your policy address all your current insurance needs?

At LG Insurance Group, we usually advise our Marietta, GA clients to update their bike insurance every year. However, sometimes you don’t have to wait for a year to lapse to update your insurance. If the following occurs, don’t hesitate to talk to your insurer to make the necessary adjustments.

Change of location

If you move to a new location, don’t forget to inform your insurance agent. Your location is one of the factors many insurance companies use to compute your premium, so it’s essential you inform your insurer when your address changes.

Change of bike use

You have always used your bike to run personal errands. But because the economy is taking a toll on your finances, you want to make a few extra bikes using your two-wheeler. You now want to deliver pizza and run other commercial errands with your bike.

Your new line of thought is creative, but you need to inform your insurer that you are using your two-wheeler for commercial purposes.

Selling your bike

Whether you are getting rid of your bike or upgrading to a bigger, better bike, you must inform your insurance agent. The good thing is that you can transfer your old policy to your new policy, and just top up the premium instead of getting a new policy altogether.  

Motorcycle insurance in Marietta, GA 

Still not sure when you should update your motorcycle insurance? Not a problem. If you get in touch with LG Insurance Group, we will advise you on instances you should review your motorcycle insurance policy.