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.

Can Small Business Owners Benefit From Umbrella Insurance?

When we talk about umbrella insurance in Marietta, GA, we’re generally talking about million-dollar policies or bigger. For many small business owners, that may seem a bit excessive. Your business might not even be your fulltime job just yet, so some entrepreneurs may wonder why they would want to insure for seven figures a business valued at four or five.

What many of these small business owners fail to recognize, however, is that you’re not just insuring your business, but all of your personal assets, against liability concerns. Liability is where the real risk lies.

If your business burns down, you might be able to replace it from your own personal savings. But liability can easily hit six, seven figures from a single incident. For many small business owners, this is more money than we’re going to be able to cover ourselves anytime soon. Maybe you can replace your equipment, your inventory, but covering a lawsuit may be more than most businesses can handle.

So you have a couple of options: You can either buy excess liability on every policy you carry, or you can buy umbrella insurance to give some additional protection to all of your policies in one go. Umbrella insurance offers protection not only for your business but for your home, auto, boat, and so on. Essentially: If you have a liability policy, umbrella insurance will extend it.

If you are looking to get covered in Marietta, GA, or if you have any questions, don’t hesitate to get in touch with us at LG Insurance Group. You can visit the LG Insurance Group website, visit us at our offices in person, or call us on the phone to see what we can do for you, your business, your home, and your family. Liability costs can quickly spiral out of control, and you want to make sure that you’re covered, come what may.

Tips to help you recover after floods

The residents of Marietta, GA have to deal with mother nature every once in a while. Depending on where you live, you may not be able to control floods, but you can always prepare and plan your recovery. Floods can be destructive, particularly when they come unannounced.

However, the best way to manage the situation is by learning how to recover and get your life back to normal as fast as possible. LG Insurance Group also recommends buying insurance early to help cover the damages that come with flooding.

Stay safe

The first step into flood recovery is making sure that you, your family, and loved ones are safe. Shut off all electricity and gas around the home until the home is dry. The last thing you would want is a shock hazard after floods. To avoid the risk of injuries, wear protective clothing, and footwear.

Be thorough

When inspecting the house, leave no stone unturned. Be careful with potential hazards such as falling debris. Remove or get rid of anything porous or wet like a mattress, blankets, pillows, and carpets. Dispose of what you feel is damaged. Items such as clothing, furniture, and various equipment can be salvaged by drying or cleaning.

Clean and dry

After floods, cleaning the entire home is critical in disinfecting the structural areas. It is advisable to remove everything from the house for easier cleaning. This also helps give you a clear view of the house and any damage that may need immediate attention like falling walls and damaged wooden floor. After cleaning, the house should be left to dry thoroughly before fixing things back into their places.

While floods are a common natural disaster, one can never be completely prepared. The whole transition can be stressful and emotionally draining. Speaking to a flood insurance agent at LG Insurance Group can help give you emotional support. Feel free to visit us at Marietta, GA today!

Three common misconceptions about RV insurance

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. 

Motorcycle Insurance Requirements

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.

Does Flood Insurance Cover Broken Pipes?

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.

Is RV Insurance Mandatory In Marietta, GA?

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! 

Why Motorcycle Group Riding Needs Formation on the Highway

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.

 

 

 

Does Marietta, GA Boat Insurance Cover My Boat When in Transit?

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:

  • Fire
  • Overturning
  • Explosion
  • Collision 
  • Theft
  • Vandalism

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. 

Is Umbrella Insurance For My Personal or Commercial Life?

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.