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.

Which RV coverages should I consider when going out for vacation?

RVs were creatively designed for vacations. They are the perfect additions for your tours and trips in Marietta, GA where there are plenty of destinations to visit.  However, these homes on wheels come with critical financial responsibilities such as maintenance, insurance, and storage. At LG Insurance Group, we are all about helping you safeguard your investments, and that’s why we recommend having adequate RV insurance when out for vacation. So which coverages should you consider?

Roadside assistance

Travelling comes with many unforeseen mishaps that could happen in the middle of the road. That’s why most RV insurance companies include roadside assistance in case you get stuck in a remote area where there are no people to help.  This coverage helps provide emergency services such as towing and fixing your RV if it is a mechanical problem.

Property damage and bodily injury liability

It is almost impossible to go out on vacation without adequate liability. Whether you are using a travel trailer or a motorhome, you need liability coverage just in case you cause an accident, and other people get injured.

Personal effects coverage

RVs have enough storage spaces to keep your personal belongings and make you feel at home. For this reason, you may want to protect your valuable possessions by purchasing separate coverage for them. Most RV insurance policies in Marietta, GA cover your possessions, but it may not be adequate to cover and replace everything you own in case they are damaged or stolen.

Vacation liability

When out on vacation, you need comprehensive liability coverage to cover other aspects of your finances, such as hotels, parks, and airline tickets. If a trip is canceled due to weather, vacation liability can help you get your money refunded. The coverages also provide additional cover in case of accidents that occur where you are camping.

For more information about RV coverages, feel free to contact us at LG Insurance Group today.

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.

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.

How Is Home Insurance Value Determined?

When you purchase a new home you typically will purchase home insurance right along with it. While it may depend somewhat on the mortgage you receive and the property you buy, home owner’s insurance will typically come right along with it. But how is your home insurance value determined? This is one of the first questions our staff here at LG Insurance Group addresses. If you live in greater Marietta, GA, our staff here will address this and all other home insurance questions you might have. 

How Is Home Insurance Value Determined

The exact premium is going to vary a bit depending on what you’re looking to accomplish with your insurance and with your insurance provider. There is typically a set value amount paid per dollar your property is worth. However, there are other factors included when it comes to this. What you pay may not be what your friend pays on the other side of town. This is because the insurance provider will need to consider the cost of rebuilding the home (if you have an older home and materials are hard to come by). The age of the home will impact it if there is older wiring and plumbing. Fire protection in the area as well as the claims history will play a role as well. Finally, your personal claims history will also potentially impact your insurance coverage costs. 

All Your Home Insurance Questions Answered

If you are shopping around for new home owner’s insurance, are looking to buy a property, or you’re simply wondering what kind of insurance options are available to you, our staff here at LG Insurance Group is here to assist you with all of your needs. So, if you’re interested and live in greater Marietta, GA, our staff here is just a phone call away. 

Summer Driving Tips

A family road trip in Marietta, GA can be the perfect summer activity but you need to make sure your car is up for the task.

What to Do Before You Go

Before you hit the road, get your car serviced. This includes an oil change, tire rotation, battery check, and tune-up. If you have stuck to a service schedule then your vehicle should be ready to go. Regardless of when you got your car serviced last, you want to double-check some basic safety equipment, such as tires, lights, the cooling system, fluid levels, wiper blades, and air conditioning. Check to make sure your insurance is up to date by speaking with an agent at LG Insurance Group. 

Pack an Emergency Roadside Kit

It’s still possible for a well-maintained car to break down so you should have some supplies with you. While a cell phone tops the list, other things you should have to include a flashlight, jumper cables, work gloves, basic repair tools, a first aid kit, and non-perishable food and drinking water.

Safety First

Protecting your family should be on top of the list in Marietta, GA. Be sure that every passenger is wearing his or her seatbelt at all times. If you are traveling with children, make sure they are in an appropriate car seat and that it is installed correctly. Don’t leave children unattended in the vehicle and remember to lock the car when exiting so children don’t get trapped inside.

Stay Alert

A long trip can be taxing so be sure to plan time to stop and get in a stretch. You may even want to consider switching drivers.

Avoid Risky Driving Behaviors

The focus of the driver should be driving and there shouldn’t be any distractions, including cell phone usage, drinking, eating, or using in-vehicle technologies. Obey the posted speed limit and be sure to share the road with other motorists out for their summer fun.

Contact LG Insurance Group to get a quote on auto insurance.