LG Insurance Group answers 6 FAQ about flood insurance

Floods are unpredictable. It doesn’t matter where you live. If enough rain falls fast enough, you’re at risk.

Luckily, LG Insurance Group can help. In addition to writing policies, the Marietta, GA agency also answers six common questions about flood insurance.

What does flood insurance cover?

As the name implies, flood insurance covers damage caused by rising water. This applies to the building itself and any possessions inside.

Is flood insurance required?

Flood insurance is required only if you live in a high-risk area and currently have a government-backed mortgage. However, it’s always recommended. In fact, FEMA reports that residents in low or moderate flood zones are five times more likely to experience a flood than a fire in their home.

Are floods covered by homeowners insurance?

No. Floods are often excluded from typical homeowners policies.

Does flood insurance only apply to homeowners?

Flood insurance is just as important if you rent. Although the leasing company has its own policy, this covers the exterior of the building and the structure alone. For coverage of any belongings inside, personal flood insurance is necessary.

How much does flood insurance cost?

Prices vary depending on location, the type of coverage needed, and the property’s flood risk. If you live in a lower risk area, you may qualify for a less expensive, preferred policy.

Where can I buy flood insurance?

The government provides the National Flood Insurance Program. These policies are sold through local, private companies and are federally supported.

Reach out to an agent serving Marietta, GA

LG Insurance Group can’t prevent floods from occurring, but they can ensure you’re protected. Located in Marietta, GA, their agents are waiting to find the right policy for you. Call today.

Do Georgia RV owners need RV insurance?

People that live in the Marietta, GA area and want a way to explore their surroundings should consider investing in their own RV. If you want to buy an RV in this area, you also need to make sure that you are getting proper insurance protection. This type of protection continues to be a necessity for various reasons. 

Coverage is Needed to Meet Legal Standards

A reason that you will need to have RV insurance in Georgia is so you can meet the legal standards and requirements. An RV owner in this state will need to comply with the same laws as any other motorist when it comes to insurance coverage. This means that they will need to have at least a minimum level of liability insurance coverage. Without it, you will be out of compliance with state laws.

Comply with Lender Standards

Buying an RV will always require a big upfront investment. Due to this, taking out a loan to finance the purchase continues to be very common. If you want to get an RV with a loan, you do need to follow your lender’s requirements in terms of insurance protection. In many cases, this will mean you need a full insurance plan with comprehensive and collision support. 

When you are going to buy an RV in the Marietta, GA area, you will find that there are various options to consider for insurance. Due to this, you should always make sure that you speak with a team that you can trust. The team with the LG Insurance Group is always a great place to start your search. LG Insurance Group offers you guidance and support as you build a new plan. They can then help you pick a policy that will give the right coverage. 

Motorcycle Insurance: Coverage and Customization Options

Motorcycles allow you to feel relaxed and give you a feeling of excitement and freedom. However, similar to standard automobiles, motorcycles need to be covered by insurance. In fact, most states require a minimum amount of insurance if you are driving it on the road. If you plan to own a motorcycle in Marietta, GA, it can help to work with an agent at LG Insurance Group to ensure you understand the different motorcycle insurance coverage options.

What Does Motorcycle Insurance Cover?

Liability coverage will protect bikers in the event they are in a collision they are deemed at fault for. This policy will pay for property damage, bodily injuries, as well as legal fees if sued—all up to the set limit of the policy.

Comprehensive coverage will protect bikers in the event of a non-collision event that is not their fault, such as weather damage, fire, vandalism, and theft. This coverage will sometimes even cover accessories if they are stolen, but you will want to check with your agent to ensure your policy extends to the accessories before assuming.

What Motorcycle Insurance Customization Options Are There?

There are some insurance policies that will cover the full replacement of the bike in the event it is totaled. Some motorcyclists like to add an injury policy, which will cover extended medical care costs. Then, of course, there is underinsured/uninsured motorist protection to protect motorcyclists when involved in an accident with someone else who does not have the proper insurance.

Since bikers like to add aftermarket parts of their motorcycles, such as custom exhaust, you may want to consider checking into an additional policy to cover these items in the event they are lost or damaged.

With the proper motorcycle insurance, you can rest easy as you enjoy the wind in your hair knowing you are sufficiently protected. For years, LG Insurance Group has been helping Marietta, GA residents like you obtain the motorcycle insurance they need. Contact us today to schedule an appointment.

Can a boat insurance plan be helpful in Georgia?

In the Marietta, GA area, owning a boat can be a great idea. Those that are boat owners here can have a lot of great times while enjoying all of the local waterways. When you are a boat owner in this state, you need to make sure you get the right insurance coverage for your boat. A proper boat insurance plan is helpful in several ways. 

Coverage Protects your Boat

A reason you need to have boat coverage is to protect your boat. Those that invest in a boat are going to want to enjoy it for a long time. The best way to ensure this happens is by getting proper insurance for it. If you invest in a boat insurance plan, your coverage will include a provision that will provide protection if the boat is stolen, vandalized, or damaged in some type of accident.

Liability Risk Protection

You will also find that a boat insurance plan is helpful as it will give you liability risk support. When operating any type of boat, there is a chance you will cause an accident. If this happens, it will be up to you to cover damages. With a boat insurance plan, you are going to have the support needed to cover the damages that you caused. 

It continues to be important for any boat owner in the Marietta, GA area to get the right insurance for their watercraft. If you are evaluating all of your options here, calling LG Insurance Group to discuss your needs is always a good idea. There are plenty of decisions to make when picking insurance and LG Insurance Group can make it easier. The team here is able to do this by carefully assessing your needs and options and helping you build a customized plan. 

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.

3 Uncommon Things to Look Out for with Your Home Insurance

Understanding Your Home Insurance

Your homeowner’s insurance may have some uncommon elements to it that you may not be aware of. Some situations that are covered for damages are usually not considered until they happen and it is discovered homeowners cover it. Your pets may damage a neighbors property or you need to relocate a wedding from your home to another location. These situations may be included in your policy. Speaking with a qualified agent is one way to get a better understanding of what is covered in your policy.

The agents at LG Insurance Group of Marietta, GA have years of experience helping people understand their homeowner’s insurance to get the most out of their policies. We can and answer your questions about uncommon things in your homeowner’s insurance.

Uncommon Things in Your Homeowners Insurance

  • Unauthorized Use of Credit Cards – Some homeowner’s policies will reimburse you for a certain amount if someone uses their debit or credit card without permission. Many people find this as a surprising addition to their policy.
  • Incidents Involving Pets – If your dog bites someone or damages property, your homeowner’s insurance may pay for hospital bills and expenses. Be sure to check with your provider and agent about coverage.
  • Loss of Use – This may apply if you have to relocate an event that was to be held at your property. The cost of relocating may be able to be claimed.

Expert Insurance in Georgia

Contact us at LG Insurance Group of Marietta, GA for a hassle-free quote on quality homeowners insurance. Our agents are happy to answer your questions and get a policy that works for you. We look forward to seeing you at the LG Insurance Group.

How to stay safe when RVing

Rving comes with extreme freedom and an exciting lifestyle with unbeatable means of travel. It’s your home on wheels that keeps you relaxed with a homely feel even when you’re thousands of miles away from your physical home in Marietta, GA. If you’re planning to buy an RV or already have one in your garage, safety is what takes you out and brings you back. At LG Insurance Group, we recommend learning special safety precautions to ensure that your dream lifestyle doesn’t turn into a nightmare.

Inspect Your RV Before Leaving

Never start driving your RV before conducting a mechanical inspection. It is one of the simplest ways to stay safe and avoid accidents that would lead to the loss of lives. Have a checklist of what you must check and do before you leave and when you get to the campsite. Simple routine inspections such as brakes, engines, door locks, mirrors and other essential things can go a long way towards saving lives.

Research or Study the Route You Will, be Driving a Day Before Your Journey

In your everyday commute, you don’t think much about the place you will be diving because you are used to the same roads. You know where sharp corners are, where dangerous bends are and where the potholes are located. However, when it comes to foreign roads, you don’t know what is ahead, so you do your due diligence to find out and learn what to expect.

Invest Heavily in Road Assistance and Liability Coverages

Despite all the preparations, things still happen. Remember, not all drivers are as careful as you are.  Wildlife on the roads, flat tires and engine troubles can get you into danger, and the worst part of it is when you have no clue who to call to get help. LG Insurance Group recommends adding roadside assistance to your RV insurance policy.

Buy RV Insurance in Marietta, GA

Don’t forget to check and update your RV insurance. If you are unsure how to go about RV insurance, our experts at LG Insurance Group can help you find a policy that fits your RVing needs. Call us today.

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.