What is personal articles insurance?

With just over 60,000 residents, Marietta, GA is an ideal place for families and single people who want to embrace the small-town feel. Even with the chaos of the city living far away from the quarters of Marietta, though, there is still the potential for tragedy to strike. You want to make certain that your home is covered as well as the possessions inside in such instances. The agents at LG Insurance Group can help you financially protect your personal possessions with personal articles insurance. 

What is personal articles insurance?

Personal articles insurance is indemnity coverage that provides protection for valuable items that may not be covered under a standard home insurance plan. Jewelry is a prime example of what would fall under personal articles insurance as it generally has high value but is also easily lost or stolen. 

The average home insurance plan may not give the full value for lost or stolen jewelry. A personal articles insurance policy will, however, pay for the value of your most valued possessions up to the policy’s limits. 

How does the insurance plan work?

Individuals who file a claim under personal articles coverage will generally receive compensation based on the tenets of their policy agreement. 

Replacement value under a personal articles plan will give policyholders enough to purchase a new version of the lost or stolen item. Meanwhile, actual cash value pays out according to the market value of the lost or stolen item. 

There are some instances in which an insurance company will establish an “agreed value.” This amount is what an indemnity provider will pay regardless of how much an item’s market value depreciates. 

Call today for a quote!

The agents at LG Insurance Group can help you fully understand personal articles insurance and how coverage can benefit your lifestyle in Marietta, GA. Call today to request a quote!

Who can buy umbrella insurance in Marietta, GA?

If you have ever wondered why liability coverage is included in every policy you buy, you’re probably headed in the right direction. We live in a litigious society where lawsuits can rain on you anytime. If you are a parent to some naughty teenagers or a business owner in Marietta, GA, you may want to seriously consider having more than enough liability coverage. LG Insurance Group recommends buying umbrella insurance to top up on your liability coverages from other policies. So who needs extra liability insurance or umbrella insurance? Read on to find out!

Pet owners of restricted breeds

Home insurance in Marietta, GA does not cover all pets. If you own a risky breed that is not covered in your home insurance, you could benefit from umbrella insurance that offers liability coverage for pet bites and other injuries to other people. The policy can pay medical bills and legal fees if you’re sued for injuries that your pet inflicts on other people.

Take on extreme water sport activities

Boat insurance comes with liability coverage, which may not be enough if you engage in extremely risky water activities. You could get yourself and other people injured, and your liability coverage may not be adequate to cover all the medical expenses, especially if there are multiple people involved.

Parent to young children

You will never know what happens at your home when you leave your children behind until a neighbor calls you reporting that one of your children broke their window. With children, accidents happen everywhere, including school, and you can be sued when your child injures other children or damages their property.

Landlord or Property owner

Landlords and property owners have every reason to carry umbrella insurance. Being a landlord means dealing with unending lawsuits due to property damage or injuries resulting from a fault in the building. Lawsuits can be expensive, and that’s why you need to have enough liability.

Buy umbrella insurance and get the peace of mind you deserve. For more information, quotes, or new policy discussions, be sure to contact LG Insurance Group, and we will be happy to respond.

Who Needs Flood Insurance In Georgia?

If you own a business or home in Georgia, flood insurance is a safety net that you can’t afford to do without. Flood insurance protects your building and its contents from flood damage. While many people make the mistake of assuming that homeowners insurance covers flood damage, they may be in for a rude shock when they find out that typical home insurance plans exclude flood coverage.

The good news is that you can steer clear of insurance confusion when you partner with the right agency. For Marietta, GA residents, you can count on LG Insurance Group for your insurance needs. 

Why you need flood insurance

Because your typical insurance covers don’t cover flood damage, you need flood insurance to protect your building and its content. Flood coverage is sold through the National Flood Insurance Program (NFIP) and has a coverage limit of $250,000 for buildings and $100,000 for the building contents. 

What if my building and the contents exceed the NFIP minimal coverage? Well, private insurance companies offer excess flood protection that covers beyond the NFIP maximum coverage. 

Must I buy flood insurance for my home?

While it’s not mandatory to carry flood insurance in Georgia, it’s highly recommended you purchase one even if your home is in a moderate to low-risk flood area. In fact, according to FEMA, approximately 20 percent of flood insurance claims come from homeowners living outside high-risk flood areas.

Again, if your home is mortgage-financed by a federal-regulated lender, you must purchase flood insurance if your home is in a high-risk flood area. And even if your property is not within a high-risk flood area, your lender may still need you to purchase flood insurance to cover flood damage until you pay off the mortgage.

Would you like more information about flood insurance? Please get in touch with LG Insurance Group located in Marietta, GA. We shall guide you to get the right flood coverage and even assist you with making claims.

Why should I get RV insurance in Georgia?

In the Marietta, GA area finding a way to explore the rest of Georgia and other parts of the country is a good idea. If you would like to find a fun way to get around this area, purchasing an RV is a good option. RV owners are going to enjoy having a large and safe vehicle while also having a convenient place to sleep and relax when not on the road. Along with buying an RV, you also need to get RV insurance for many reasons. 

RV Insurance is a Requirement

A key reason that you will want to have RV insurance is that it is a requirement. Having a full RV insurance plan with liability coverage is required if you want to be able to drive it legally on a public road in the state of Georgia. Further, if you have a loan outstanding against the RV, you will need to have a full policy with collision and comprehensive protection to comply with your lender.

RV Insurance Gives Great Coverage

You should also get an RV insurance plan as it will give you great coverage. Someone that gets a full RV insurance plan will get the coverage needed to repair and replace their vehicle if it is damaged. Further, you will get a liability insurance plan that offers protection if you ever get into an accident.

Anyone that is shopping for RV insurance should speak with the team at the LG Insurance Group. The insurance professionals at the LG Insurance Group can help people all over the Marietta, GA area evaluate their RV insurance needs. They will be able to answer your questions and give you the support needed to build a quality policy that covers you and ensures you stay in full compliance. 

Motorcycle Insurance Add Ons To Consider

Motorcycle insurance is so much more than simply protecting the motorcycle itself. There are all kinds of additional features and add-ons you need to look into and consider. Some may not apply to how you ride, or the equipment you use, but there will be other options that absolutely will help assist you in improving your ability to maintain peace of mind. So, if you live around Marietta, GA and own a motorcycle, contact the team at LG Insurance Group to learn more about the kinds of motorcycle insurance add ons that might work for you. 

Roadside Assistance

You never know when you might need help. Roadside assistance is there for you should something happen to your bike while out on the road. Whether you blow a tire or are in an accident, roadside assistance is there for you. 

Motorcycle Add Ons

Maybe you’ve added a trailer car to your motorcycle, some storage compartments to the side, installed new features, or have done anything else to upgrade your motorcycle. You’ll want your insurance coverage to protect this. The right kind of motorcycle add-on insurance coverage allows you to tweak your insurance policy in order to cover these bikes add ons. 

Properly Insure Your Motorcycle Today

Insuring your motorcycle is important. Making sure you have the right kind of insurance will give you peace of mind while also saving you money along the way. If you live around Marietta, GA and own your own motorcycle, or if you have been considering the purchase of a new motorcycle, you need insurance coverage that protects you and your bike like a glove. LG Insurance Group wants to help provide you with this coverage. So feel free to give the team a call at your earliest convenience. 

Why do I need boat insurance in Georgia?

Those that are residents of frequent visitors to the state of Georgia know how long and warm the summers can be. For those that want to escape the heat, investing in a boat is a great option. If you are in the Marietta, GA area and want to buy a boat, you also need to get the right insurance for it. There are a few different reasons that you will need to get boat insurance when here. 

Insurance is a Requirement

A common reason people do get boat coverage is that it is a basic requirement for some owners. A lot of boat owners have some insurance obligations that they need to abide by. Anyone that has taken out a loan when they bought their boat will have to carry insurance on it at all times. Further, if you want to use certain local marinas, you may have to meet their insurance requirements.

Insurance Gives Important Coverage

Boat owners should never underestimate the value and benefits that a boat insurance policy can provide. If you choose to obtain this type of coverage, it will give the insurance protection that you need to repair your boat following an accident. Further, boat insurance will offer liability protection, which is very helpful if you are ever sued for liability following an accident that results in damages. 

When you are in the Marietta, GA area and are looking for a boat insurance policy, it would be a good option to call the LG Insurance Group. As you are speaking with LG Insurance Group, you can continue to learn more about the benefits of this type of coverage. The team will be able to answer any of your questions and ensure that you pick the best policy for your situation. 

A Look At Some Common Misconceptions Regarding Flood Insurance

 Based in Marietta, GA, LG Insurance Group offers residents multiple types of insurance coverage. We are committed to helping our clients find policies that align with their individual needs. We have positive working relationships with multiple carriers, which allow us to provide our clients with multiple options.

Common Misconceptions Regarding Flood Insurance

As a Marietta GA resident, consider the benefits of flood insurance. Southern Weather is often unpredictable at times. During cases of severe weather, flood insurance provides you with peace of mind. The policy covers your physical property, as well as your personal items if they suffer damages caused by a flood. While you are researching policies, avoid some of these common flood insurance misconceptions.

Perhaps you have heard that the best time to search for coverage is before an impending storm. This is incorrect. Keep in mind that you’ll likely have to deal with a waiting period before your policy starts. If you are searching for coverage the same week that a storm is heading into the area, you’ll likely be left unprotected if your personal items are damaged. Consider looking for coverage during another part of the year when the weather is more stable.

You may have heard that flood insurance isn’t necessary depending on the area that you live in. Flood insurance is an asset regardless of what area in Georgia that you stay in. A natural disaster may occur at any moment in the South, which is why you need protection.

Another common misconception regarding flood insurance is that you can use your homeowners’ policy to cover any flood based damages to your property. This is incorrect. The only way to fully cover all of your belongings is through having a traditional flood insurance policy.

LG Insurance Group Will Help You Prepare For Emergencies 

Visit our website to learn more information about flood insurance.

Is motorcycle insurance needed in Georgia?

In the Marietta, GA area, owning a motorcycle can be a great option. When you are an owner of a motorcycle, you will be able to enjoy the warm Georgia weather and also have a fun way to get around town. While a motorcycle can be fun to drive, it is also a responsibility that requires certain forms of protection. If you are an owner of a motorcycle in this state, you are bound to need to have a motorcycle insurance policy.

Insurance is a State Requirement

One reason that you will need to get motorcycle insurance is that it could be a state requirement. If you intend to use the motorcycle on a public road, you will be required to carry liability insurance. With this coverage, you will have the financial resources to pay for damages if you cause an accident. Those that do not have this coverage could be penalized. 

Insurance Required to Protect Asset

You may also need to have insurance for your motorcycle if you want to make sure that your motorcycle is covered and protected. Buying a motorcycle will always come with a big investment that you will want to protect as well as possible. If you get a full motorcycle insurance policy it can give you protection if your motorcycle is stolen or damaged in an accident.

There are a lot of reasons why you may need to get coverage for your motorcycle. If you are in the Marietta, GA area and are looking for insurance, you should speak with the team at the LG Insurance Group. When you speak with the LG Insurance Group, you can receive the guidance needed to understand your options. This can help you choose a policy that will protect you and your asset. 

Is Boat Insurance Required in Georgia?

With the temperatures heating up in Georgia, many residents are flocking to the waterways with their watercraft as a way to cool down and have fun. Although boat insurance is not required in Georgia, it is common sense to have it given the large investment that is made when purchasing a boat. Similar to buying a car, where you purchase insurance to protect yourself if there’s an accident, the same rule applies for a boat. Not only does boat insurance protect your property, but with nearly half of all boating accidents resulting in injury, it can protect your financial assets if you are found liable. You can be the world’s safest boater, but there are always going to be other people on the waterways that do not have insurance and if you are in an accident with one of them you’ll have to cover the cost of the damage to your boat.

Boat insurance protects you from a variety of accidents and natural risks such as sinking, fire, theft, storms, and collision. While the boat property covered can vary from policy to policy, the majority will cover key components of the boat to include anchors, safety equipment, motors, and the hull. When choosing a policy, be sure to ask whether it offers replacement cost coverage or actual cash value. Replacement cost will cover the expense of repairing the boat to its original condition whereas actual cash value takes into account depreciation. 

In conclusion, boat insurance may not be required by the state of Georgia; however, purchasing coverage is an inexpensive way to protect your new boat and your assets in the event of an accident. When it comes to choosing a policy, it’s always a good idea to shop around and at the LG Insurance Group in Marietta, GA we’ll work closely with you to find a policy that works within your budget and meets all your needs.

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.