lunes, 25 de septiembre de 2017

5 Questions to ask before choosing your Auto Insurance

After taking driving lessons and passing your driving test, you've reached the next stage when you finally have your own car. Before you can drive on the road, auto insurance is top of your to-do list. But looking for an auto insurance company can be a hard topic if you haven't done it before and aren't sure what to look for. Your coverage should reflect your needs, priorities and budget. You’ll want to evaluate how you use your car, what risks you face and what options you want from an insurer before you compare policies and insurers.

To help you on your quest to find the best auto insurance, at GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross,  we give you five questions to find out which car insurance is right for you:

1. What type of Car do you drive?

Insurers have a lot of data, and they know in precise detail what types of cars, makes and models are more or less likely to incur claims. A flashy sports car with a powerful engine may be more likely to be stolen and cost a lot for body work than a mid-sized sedan and your insurance will be priced accordingly. By the same token, you may receive discounts if your car has the latest safety features and a good safety record.

2. What is your risk assessment?

The insurance rate you're offered is based on several factors that comprise how much of a "risk" you pose to the company that is, how likely it is that you'll be making a claim. The more of a risk you pose, the higher your rate will be. Companies use data such as your age, sex, driving record, criminal record, credit rating, where you live and where you park to determine your risk. 

3. Who else will be Driving the Car?

Generally, your car insurance will cover other occasional drivers. However, if other drivers live with you and use your car whether a spouse, a teen driver or a housemate, they should be listed on your policy.

4. What are your Legal Obligations?

Nearly every state requires that you carry minimum liability coverage for your car. At the very least, you need to make sure your policy complies with state mandates. However, the levels of required coverage are generally pretty low. To be safe, you’ll probably want additional liability coverage and keep in mind, if you are involved in a serious accident, you may be sued for a large sum of money.

5. Is your Car Financed or Leased?

If you still owe money on your car or have to return it in good condition when a lease expires, you’ll likely be required to insure the car for its full value and even for any gap between what you owe and the car’s market value. Collision and comprehensive will cover damage to your car up to its value and supplemental gap insurance will cover the rest.

Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we can help you choose the coverage that's right for your needs.

For more Information contact us: (706) 884-5006 or (770) 969-5666

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lunes, 18 de septiembre de 2017

Is a Hurricane covered by Homeowners Insurance?

If you live in an area that is susceptible to hurricanes, you likely have certain emergency plans in place. But to know what type of insurance you may need to provide coverage for the kinds of damages a hurricane can cause, you should analyze the area where you live, the types of damages your home may suffer, the limitations that your policy may have in place and the amount of coverage you want to have. 

At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we show you some things to consider when it comes to hurricanes and insurance owners:

1. Hurricane damage caused by wind: 

Wind is typically among the perils covered by a standard homeowners insurance policy. However, some policies partially or completely exclude wind-related damage. It's important to read your home insurance policy or contact your insurance agent to learn if and how your home's structure, as well as your belongings, may be covered against a hurricane's winds.

Be sure to review the amount of coverage you have in place and make any necessary adjustments to help ensure your limits are in line with the potential cost of repairing or rebuilding your home.

2. Hurricane damage caused by flood:

Private homeowners insurance policies typically do not cover flood damage. That exclusion also pertains to flooding brought on by or as a result of a hurricane. You may be able to purchase a separate flood insurance policy through the National Flood Insurance Program to help cover such damage.

However, if a hurricane's wind damages your roof, and rain gets in as a result, you may find that homeowners insurance offers some protection if your policy includes coverage for wind.

Remember that a Home insurance policy may help protect your wallet, your House and even offer peace of mind. Contact us for more Information, At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross we can help you to find the best Renters or Homeowners Insurance!For more Information contact us: (706) 884-5006 or (770) 969-5666

Please visit us:

lunes, 11 de septiembre de 2017

4 Ways to Prepare for a Hurricane

Hurricanes are not only a concern for those whose homes are in the path of one, but for relatives and friends who may worry about those in the storm’s path, and getting your family and your home ready for hurricane season isn’t as easy as just closing the door and taking off. 

But whether it’s because we downplay the risks of a hurricane, we haven’t experienced a hurricane before, or we have simply become overwhelmed at the thought, some of us may tend to put those preparations off, waiting until the skies cloud up and weather warnings are deployed. Preparedness is essential for dealing with the physical challenges of hurricane season, and it will help you and your family keep peace of mind.

At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we give you four tips to make sure you and your family are protected if your home is threatened by a hurricane:

1. Ensure that your house insurance is up to date: Hurricane season is not the time to buy flood insurance since it's either unavailable or expensive. Most regular home insurance does not include flood coverage in the policy, so you'll have to buy this separately. Just in case the hurricane does do major damage to your home, this will ensure that you’ll be ready and able to rebuild once it’s all over.

2. Buy enough food and water to last a few days: Canned food is the only kind acceptable for an event such as a hurricane; check the expiration dates to make sure the food is fresh. Always have these supplies on hand so that you can respond whenever an emergency arises.

- Water, one gallon per person per day (three-day minimum)
- Food, a three-day supply of no-cook foods
- Flashlights, with extra batteries
- Hand-crank or battery-powered radio, with extra batteries
- NOAA weather radio
- First-aid kit
- Cell phone charger, inverter or solar charger
- Supply of plywood, for temporary storm shutters
- Fill up the bathtub if you decide to stay home. An average bathtub full of water holds enough water for about three days. It also makes it possible to flush the toilet using a bucket.
- There is a lot of water in the hot water heater of your home. An average 150-liter water heater has enough water to keep a single person alive for a month. See here for details.

3. Make an Emergency plan: 

- Develop an evacuation plan: Identify a location where family will meet within your neighborhood, and a second one immediately outside of it, the agency says. Contact local officials to identify community evacuation routes, and then do a test run.
- Create a family communication plan: Designate an out-of-area contact that household members can each notify when they’re safe. Program this contact and other emergency numbers into cellphones, and create a paper version to keep handy.
- Make special plans for special needs: (Older family members, those with disabilities, infants, pets, etc.)

4. Make plans to better fortify your home: 
There are affordable methods and products that can help minimize hurricane damage, including:

- Bracing garage doors
- Installing storm shutters on windows and sliding glass doors 
- Applying wood adhesive where the roof deck and rafters intersect
- Applying a peel-and-stick water barrier to roof deck joints

Remember that a Home insurance policy may help protect your wallet, your House and even offer peace of mind. Contact us for more Information, At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross we can help you to find the best Renters or Homeowners Insurance!For more Information contact us: (706) 884-5006 or (770) 969-5666

Please visit us: