Author: agentinsure

Do You Need Home Insurance if Your Home is Owned Outright?

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If you finance or own your home, you must have home insurance to protect you against various risks. If you finance your home, you are required to have home insurance. However, if you paid your home off, you still need coverage to protect against losses. If you need excellent home insurance products, you can find them at LG Insurance Group. We serve the residents in and around the Marietta, GA, area. 

Home Insurance Coverage 

Your home insurance protects you from losses associated with covered risks such as fire and structural damage from storms. However, you may only be required to have home coverage if you own your home partially and there is no financing. Even so, you risk paying for repairs or replacement out of pocket without insurance. It would be best if you kept insurance in place to protect you and your family against hardships resulting from risks. 

Our team of experts can assess your current solutions and provide solutions that work for your specific needs. We can provide you with a summary of your needs and then offer insurance products with the best protection. 

Find Out More

If you would like to find out more about home insurance and how it can offer a blanket of protection, please call or stop by LG Insurance Group, serving Marietta, GA. Our team is knowledgeable and ready to provide assistance and information to help you make the right choice. Don’t own your home without insurance to prevent losses that can create financial hardship. Get protection that you can rely on to keep you safe all year. 

Lesser Known Ways to Prepare Your Car for a Road Trip

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Before heading out on a lengthy road trip, it is recommended that you get an oil change, have your fluids checked, inspect your tires, and have your belts and hoses inspected. This can help minimize your chances of being in an accident or encountering car problems. Here at LG Insurance Group, serving the greater Marietta, GA area, we want to help keep you safe when traveling this summer. Here are a few lesser-known ways to prepare your car for a road trip. 

Have Your Battery Tested

Before hitting the road, always have your battery tested. This helps to ensure that your battery has a reasonable charging capacity and is in good shape. If your battery indicates it has a low charging capacity, you should replace it before your road trip. 

Check Your Lights and Signals

Another thing that you should do before a road trip is to check your lights and signals. You want to ensure all of your lights and signals work, and if they don’t, you want to replace the bulbs so they function correctly. 

Ensure Your Spare Tire Is In Good Shape

Lastly, you should always check the condition of your spare tire before going on a lengthy road trip. You want to ensure the spare tire is properly inflated and in good, usable condition. 

If you are planning on going on a road trip this summer, you are not alone. Millions of people are expected to travel via automobile during the summer months. Preparing your car is one of the things you can do, as is ensuring you have automobile coverage that protects you and your vehicle. Here at LG Insurance Group, serving the Marietta, GA area, we can help you with all your auto insurance needs. Call or email us to learn more. 

Four rules to follow when you purchase flood insurance

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Choosing flood insurance coverage is a crucial decision you’ll make as a homeowner. If you’re in the market for flood insurance for your home in Marietta, GA, we can provide you with insurance at LG Insurance Group. 

Here are four essential rules to follow when purchasing flood insurance for your Georgia home. 

Get quotes from a few flood insurance providers.

You can contact different insurance providers and request policy quotes as part of doing your flood insurance research. With numerous quotes, you can compare different premium amounts and policy offerings. This will make it easier for you to make the best possible choice regarding your flood insurance coverage. 

Understand what the flood risk is in your area.

You should know your flood zone and how likely flood damage is in your area. This can help you evaluate the different quotes you can get and determine what a competitive flood insurance premium is in your area. 

Consider updates you can make that protect your home from flood damage

Numerous home improvement projects can minimize your home’s risk for flood damage. For example, you can have a sump pump installed or grade your lawn in such a way that water is less likely to flow toward your home. 

Making such updates protects you from flood damage and can bring down your flood insurance premiums costs. 

Try to get enough coverage to cover your home’s total value

You want your flood insurance to fully compensate you for your home’s value if your home is destroyed in a flood. That’s why you should get full coverage for your property if possible.  

Following these rules will give you more confidence in your flood insurance selection. When you’re looking for policy quotes, visit our website or call us at LG Insurance Group. We’re here to provide quality flood insurance to homeowners in Marietta, GA. 

The Importance of Carrying RV Insurance Even When Your RV Is Not Being Used

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One of the biggest misconceptions that we at LG Insurance Group, an insurance company providing RV insurance in the Marietta, GA area, have heard is that you do not need RV insurance if you are not using your RV. As such, many people drop coverage on their RV when they do not plan to travel for prolonged periods, such as during the winter. However, carrying RV insurance year-round can be beneficial even if your RV is being stored. Here are a couple of the reasons why. 

RV Insurance May Protect Your RV When It Is Being Stored

RV insurance coverage helps protect you in case your RV is damaged while being stored. If a tree limb falls on the RV, someone vandalizes the RV, or the RV floods, your RV insurance policy may help to cover the cost of the damage done to the RV. Issues can arise, even when your RV is being stored. 

RV Insurance Allows You to Travel When You Want

Another reason why you should carry RV insurance is so that you can use your RV at all times. You may not be planning a trip anytime soon, but you never know what could happen. The weather may be perfect, and you may want to take a quick trip. Having RV insurance ensures you can always operate and move your RV. 

If you do not have insurance coverage on your RV, are looking to purchase a new RV, or are interested in a new RV insurance policy, the insurance agents at LG Insurance Group, serving the greater Marietta, GA region, would love to help you get the perfect RV insurance policy. Reach out to us today to learn more.

Does Motorcycle Insurance Cover Other Riders?

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Before you let someone borrow your motorcycle in Marietta, GA, know how your policy works and what is covered. Understanding the details of your motorcycle insurance plan from LG Insurance Group can help ensure that you are adequately protected if an accident occurs while someone else is riding your bike.

What Is Covered Under Motorcycle Insurance? 

The primary purpose of motorcycle insurance is to provide financial protection in the event of an accident or other mishap. Generally speaking, your policy will cover the costs associated with these situations if you are injured while riding your bike or if your motorcycle is damaged due to an accident, theft, or vandalism. However, the coverage may change depending on various factors when it comes to other riders—particularly those who don’t have their own policy. 

In most cases, motorcycle policies will cover other riders who have permission from the owner (you) to operate the bike. This might include family members or close friends who only occasionally ride the bike for recreational purposes. However, some insurers may require additional coverage for another rider to be protected; it all depends on the terms and conditions of your particular policy. Additionally, it’s important to note that anyone operating a motorbike without permission from the owner could still be held liable for damages resulting from an accident—even if they don’t have an insurance policy. 

When deciding whether or not to add another rider to your motorcycle insurance policy in Marietta, GA, it pays to do your homework first. Contact LG Insurance Group today for more information about adding another rider and related questions regarding motorcycle insurance policies! They will happily answer any questions about insuring another driver on your bike!

Why do I need boat insurance in Marietta?

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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. 

Top three reasons to get flood insurance

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If you live in an area prone to flooding, getting flood insurance is a good idea. Below are just a few of the top reasons why you should consider getting this critical type of coverage:

1. Flooding can happen anywhere: Even though certain areas are more susceptible to flooding than others, no region is immune from this type of disaster. If your home or property is located near water – such as a river, lake, ocean, or even a low-lying area – there’s always a chance that you may experience flooding at some point.

2. Flooding can cause severe and long-lasting damage: Floodwaters have the potential to cause significant structural damage to buildings and other structures. In addition, standing water can ruin personal property and belongings – even if the flood occurs relatively quickly.

3. Coverage for flooding is not included in standard homeowners insurance policies: Many homeowners mistakenly believe that their existing home insurance policy will cover them for losses caused by flooding. However, this type of coverage is typically only provided under separate policies with specialized carriers specializing in flood coverage. If you live in an area at high risk for flooding, it’s essential to ensure that this aspect of your insurance portfolio is adequately covered.

In conclusion, whether or not you live in a high-risk flood zone, getting flood insurance is a wise decision that can help protect your property. If you have any questions about whether flood insurance is a good option for you, call the LG Insurance Group today. We proudly serve the Marietta, GA area. 

Protect Your Vacation Fun with RV Insurance

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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?

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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?

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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.