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.
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.
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.
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.
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!
Have you driven behind a group of motorcycles on the highway and noticed their unique formation? In many cases, most drivers do not pick up on the pattern unless they are a bike rider themselves, then they understand what they see before them. At LG Insurance Group, we want our customers to be aware of these group formations and how they protect bikers on the highway, whether they are traveling through Marietta, GA or other parts of the state.
Knowing the route.
Before the group ride begins, the organizer of the ride will meet with all riders to go over the route they will be pursuing and review the hand signals needed for other drivers on the highway. Having unaware bikers on the highway can be a danger for collisions or accidents.
How many bikers are in group formation?
To keep bikers and other drivers on the highway safe, the group formation will often be split into groups of six or seven for larger groups. This allows the groups to travel cohesively, give each other space to slow down and accommodate the remaining traffic. Groups of 10 or more can cause traffic to back up, and cause the bikers to drive too close, risking a potential accident.
Include a tail rider.
At the end of each group that is riding, there should be a tail rider that stays approximately two car lengths behind the rest of the group. This is to notify traffic riding behind the group of any approaching turns or stops that the group is planning to make on the route.
Call us today.
If you are a biker living in or around Marietta, GA, contact our agents at LG Insurance Group today for more information about motorcycle insurance.
Living in Marietta, GA, you have easy access to several fantastic lakes and other waterways to explore. Whether you enjoy fishing, skiing, or simply exploring the water, boats are a wonderful thing to have — but it’s important to keep your investment protected with boat insurance.
Boat insurance, such as that offered by LG Insurance Group, offers comprehensive coverage so that should an accident happen, you won’t be liable for thousands of dollars. But before you by a boat insurance plan, it’s important to understand what all is covered. One question our agents often get is whether or not their boat will be covered out of the water. Here’s a look at that answer:
Does Marietta GA Boat Insurance Cover My Boat When in Transit?
Generally, yes. When you add physical damage coverage, then you will be protected should your boat be damaged both in transit over the water and on land. Examples of physical damage that would be included in such a policy includes:
It is important to note, however, if you are on the water and are having your boat transported by a towing company like Seaboat and your boat is physically damaged due to their negligence, then their insurance will payout.
Learn More About the Different Types of Boat Coverage By Contacting LG Insurance Group
There are a lot of different types of coverage that our insurance agency offers when it comes to watercraft. For example, with hurricane season upon us, it’s important to note that there is a separate type of coverage for emergency removal should a hurricane head towards Marietta, GA. Learn more about that coverage and other boat insurance policies by contacting one of our agents today.
Going on vacation is supposed to be fun and exciting. Your vacation can become very unpleasant if you have your belongings stolen. Agents at the LG Insurance Group serve residents who live in Marietta, GA. They can offer you sound advice on how to protect your valuables while you are on vacation. They can even offer you a policy to help cover the cost of an item’s loss if it’s damaged or stolen.
Don’t Take Your Valuables With You
The best way to protect yourself from having your valuables stolen is to not take them with you. While there are items that you may need to take on your trip, there are ways you can secure them. One of the best ways is to have them locked in your hotel’s safe while you’re away. Most hotel rooms have small safes in each room, but for your bigger items, you may need to leave them at the front desk.
Another way to protect your valuables is to have them personalized. Have your name and phone number engraved on them. You can also put a GPS tile on each item so that it can be easily tracked. While this won’t work for small items, it can be a lifesaver for larger items like laptops and cameras.
Call the agents of LG Insurance Group if you are a resident of Marietta, GA and plan on going on a vacation soon. Let them provide you with valuable tips on how to not only protect your valuables but yourself as well. Set up an appointment today and get the answers you need before you leave!
Residents of Marietta, GA You Don’t Have To Split Yourselves In Two
The professionals at LG Insurance Group like to put an end to the mystery that surrounds umbrella insurance. People don’t know when to carry an umbrella despite the predictions for rain. Similarly, folks don’t know when to carry umbrella insurance. That’s why we are here.
The fact is that many people ascribe umbrella insurance to commercial business enterprise only. That is a mistake. Umbrella insurance is for both your professional and your personal life. The main reason it’s linked to the commercial enterprise is because of the amounts of money that are involved. Umbrella insurance is generally attached to a standard insurance policy. The umbrella is opened when you’re standard insurance payout is not adequate to cover a claim that has been lodged wherein you are responsible. Umbrella insurance will cover the amounts that are over your standard insurance limit.
Due to the huge amounts of money that can be involved people feel that either you have to be rich to need umbrella insurance or you have to be a profitable business owner.
Umbrella insurance can help in any situation where your standard insurance payout amounts are inadequate. This necessity varies and should be discussed with a professional agent.
Why Wait Any Longer Than You Have To
We gratefully serve the entire state of Georgia. Located in scenic Marietta, GA. Contact us today to learn more about how umbrella insurance can protect many facets of business life and personal life. The telephone number is 678-671-8480. Call today to ask about any of our insurance products. We also write auto, home, and life insurance policies.
Are you looking for your dream home in the Marietta, GA area? Use these tips from LG Insurance Group to ensure you make the right buying decision.
- Take a look at the neighborhood. Are there good schools, restaurants, grocery stores, and other resources in the area? Even if the house itself is perfect, living in a neighborhood that doesn’t support your lifestyle is a recipe for long-term frustration.
- Note the condition of the houses around your potential property. Are they well-kept? Are there yards full of debris? The condition of your neighbors’ homes impacts the value of your own. Choose an area that won’t make it difficult to sell in the future.
- Have an expert check out the house before you buy. Hidden damage in the sewer systems, roof, or plumbing could end up costing more to repair than it’s worth. Unless you’re absolutely sure you know how to spot potential problems, bring along a trusted guide to evaluate the home’s structural integrity.
- Think about your daily commute. Is the neighborhood you’re looking at worth the extra drive time? Even if the price is significantly cheaper than other areas of town, you could find yourself spending more on gas and vehicle maintenance, which can quickly cancel out any savings.
- What are your future plans? If you’re thinking about expanding your family or taking up a new hobby that requires a lot of space, make sure your new home is in an area that won’t prohibit these activities. Talk to the representatives with your homeowner’s association before buying to ensure your future plans won’t be derailed by their regulations.
Finding the right home can be a chore. However, getting insurance for your new home is simple. Contact the experts at LG Insurance Group for more information on protecting your new home in the Marietta, GA area.