What You Need to Know About Life Insurance Riders

When it comes to life insurance, there are a lot of different riders that you can add to your policy. But what are they, and what do they mean to you? This post will break down some common riders and explain what they cover. Read on to learn more.

1. Accelerated Death Benefit Rider

Some people refer to it as a "living benefit." It’s a rider that allows you to use some death benefits before your passing. This can be useful if you or your loved one is suffering from a terminal illness and needs access to medical funds right away.

2. Guaranteed Insurability Rider

If you want to increase your life insurance coverage at some point in the future, this rider ensures that you will be able to do so without having to undergo a medical exam.

3. Waiver of Premium Rider

If you become disabled and cannot work, this rider will waive your life insurance premiums. This can be a valuable benefit if you’re worried about losing your ability to pay for life insurance while you’re unable to work.

4. Accidental Death Benefit Rider

This rider provides additional benefits if you pass away due to an accident. It can be a good option if you want extra protection against accidents and other unexpected events.

Get Life Insurance in Commerce, GA 

As you can see, there are many different life insurance riders that you can add to your policy. Which ones are right for you will depend on your individual needs and circumstances. If you’re unsure which riders you need, North Georgia Insurance Center can help. We’ll work with you to understand your needs and find the right coverage. Give us a call today.

When Should I Update my Home Insurance?

Your life isn’t constant, and so is your home insurance. As time passes, the current situation changes, and you will find the coverage that was sufficient today isn’t sufficient tomorrow. At North Georgia Insurance Center, we usually advise our Commerce, GA clients to review their home insurance at least once a year. But what triggers indicate you should give your home insurance a second look? Let’s look at the reasons you should update your home insurance.

Welcoming a pet into your home

Bringing a pet into your home is exciting, but some pets raise the risk of liability claims for your home. A pet that can harm others can cause untold financial problems when it causes injury to others. Since pet bites can be costly, review your home liability coverage to cushion yourself.

Changes in local building costs

There is a reason we tell clients to consider the "replacement cost value" when insuring their homes. This value means that you will be compensated for the actual value of your home when it’s damaged. So, when a peril means your dwelling has to be built from the ground up, you won’t incur numerous out-of-pocket costs. But the only way to ensure this reality is by taking into account the changes in local building costs and making the necessary adjustments with your insurer.

Significant renovations

Have you remodeled your home? You need to sit with your insurer to make the changes to your policy. Significant renovations mean that the value of your home increases and the same should be reflected in your policy.

Your home insurance partner

Sometimes, figuring out when to adjust your home insurance can be challenging. However, you can simplify the process by partnering with a knowledgeable insurance agent. So, if you are in Commerce, GA, or the surrounding area, please consider North Georgia Insurance Center for all your home insurance needs.

Choosing the Right Auto Insurance for You: Factors to Consider

Auto insurance is an important aspect of responsible car ownership. It’s vital for protecting you from the financial consequences of accidents, theft, or other damage. When insuring your car, it is important to be aware of the types of coverage available to you to make the best decision for yourself and your finances. There are a lot of factors you need to consider when making this decision. Here are some of the most important.

1. Type of Coverage

The first thing you should do is decide exactly what type of coverage you want. The major categories are liability, collision, comprehensive, and medical payments. Liability covers the damage you do to other people; it does not cover your car. Collision and comprehensive cover physical damage to your vehicle. Collision covers damage from a collision with another object, and comprehensive covers non-collision damages such as theft, vandalism, or certain weather events. Insurance can also cover medical payments to you and other people involved in the accident if they are hurt.

2. Budget

Of course, you should also consider how much coverage you can afford. If you get in an accident and are held liable for all of the damage to the other car along with the medical bills of everyone involved, it could easily exceed tens or even hundreds of thousands of dollars. Without adequate insurance, that could quickly become a financial disaster for you.

3. Optional Coverage

When considering your coverage options, keep in mind that you can customize it with optional items like roadside assistance and rental reimbursement. These costs typically come out to only a few extra dollars per month, but they provide valuable added protection.

4. Your Vehicle

Of course, your vehicle should be one of the most important things to consider when choosing insurance because you want it to be covered. The type and value of your car will impact the cost of your insurance policy, so you should know exactly what kind and how much it is worth before buying a policy.

There are a lot of important factors to consider when buying auto insurance. With this information, you should be able to make the best decision for your finances and needs. Call North Georgia Insurance Center today for all your auto insurance needs in Commerce, GA.

Why Does RV Insurance Matter?

RV owners in Commerce, GA, bumps on all manner of unanticipated eventualities on the road, just like car owners. Therefore, anyone with a recreational vehicle should comprehend the importance of acquiring RV insurance from North Georgia Insurance Center. Your RV is an enormous investment that warrants optimal protection from a well-rounded insurance policy.

Want to invest in RV insurance? You are on the right track. Here are reasons why you should invest in RV insurance.

It’s mandatory

In Georgia, you must purchase RV insurance to operate your vehicle legally. The state requires you to include liability coverage in your RV insurance to cover third-party injuries and property damages. Additionally, if you purchase your RV with a loan, the lender might require you to buy RV insurance until you clear the outstanding arrears.

Protects your personal belongings

You can safeguard your personal property like clothing and sporting gear inside your motorhome with splendid RV insurance.

Protect you against liabilities

When you are at fault for accidents, you could face liability claims that could be expensive when you finance them out of pocket. Luckily, if you have liability insurance on your RV, it cushions you from paying such expenses from your pocket.

It covers your RV’s physical damage

RVs are very costly to purchase to the extent of costing as much as your apartment. Buying comprehensive and collision coverages repair or restore your RV after it’s damaged through an accident or peril like fire.

Covers medical expenses

Buying medical payments (MedPay) coverage assists you in settling medical costs for you and your passengers when you suffer injuries after a road accident.

RV insurance in Commerce, GA

Are you seeking RV insurance in Commerce, GA? Don’t hesitate to speak with our North Georgia Insurance Center agents, who have a wealth of experience designing customizable RV insurance that meets your unique needs. Contact us today, and you won’t regret it.

4 Tips While Buying Motorcycle Insurance in Georgia

Are you about to purchase a two-wheeler in Georgia? You understand that you must buy motorcycle insurance to operate your bike legally in the state. But do you know the things to consider before deciding to buy motorcycle insurance? If you don’t have a clue, don’t stress out. North Georgia Insurance Center is here to guide Commerce, GA bikers on tips and tricks when buying motorcycle insurance.

Don’t just get basic motorcycle insurance

While buying the minimum motorcycle insurance may seem like a cost-saving strategy, things can turn out ugly when involved in a significant accident. The basic insurance may not be enough to cover your medical costs and liability expenses if you are held responsible for the accident.

Don’t rely on the person at fault to pay

Most people usually expect the person at fault for the accident to pay for injuries and damages they cause. Unfortunately, there are many motorists out there riding or driving without insurance — and for those with insurance, it’s insufficient. But I will just sue for damages? Yes, you can do that, but if the person files for insolvency, you won’t recover any money from them.

The surest way to cover yourself against the fault of others is by investing in uninsured/underinsured motorist insurance.

Compare several insurance quotes

By going online or using a trusted insurance agent, compare different quotes from different insurance companies to make an informed decision based on price, features, exclusions, etc.

Get a knowledgeable insurance agent

An insurance agent advises you on insurance matters, and thus you don’t want to buy motorcycle insurance through an agent who doesn’t know their stuff.

The list above isn’t exhaustive. For more tips, please be sure to contact North Georgia Insurance Center or pass by our Commerce, GA offices to get more information on motorcycle insurance.

Georgia Health Insurance – What You Need To Know About Health Insurance

Health Insurance is a necessity that we all need to ensure that we are covered under any circumstance or health issue.  For years, the option of health insurance was only relegated to those that were employed with a company large enough to afford a group plan with a large health insurance company.  This is perfectly adequate for most of us in the workforce and most of you reading this probably have coverage under one of these plans.  Looking at adding a health insurance plan?  North Georgia Insurance Center in Commerce, GA has options for you.

But what about the other folks out there?  Specifically, the self-employed?  You can’t get one of these group plans if you’re working for yourself.  Another group to consider is those that are retired from the workforce and are not yet able to apply for Medicare.  That second group is growing at an astronomical rate in the last few years.  You also have to consider people working for a small mom-and-pop type business whose owners simply can’t afford to offer any kind of benefits.  What are the options available for these groups for health insurance?

Health Marketplace

The state of Georgia has health insurance plans that can be accessed through the Federal HealhCare.Gov site.  Georgia is part of the Federal healthcare exchange marketplace which has individual insurance coverages and plans for review and purchase.  Although the marketplace website is run by the Federal Government, the purchases and services for Georgia are conducted and monitored by the state of Georgia.

To Learn More

If you would like to learn more about health insurance coverages in Georgia, please contact North Georgia Insurance Center in Commerce, GA today!

How Whole Life Insurance Works

There are different kinds of life insurance, and whole life is one of them. It is preferred by many people who need life insurance because of the way it works and what it can do for them. If you need life insurance and are interested in whole life, you can call us at North Georgia Insurance Center in Commerce, GA to find out more. 

Your Whole Life

Whole life is so named because it can last for your whole life. Once you get this coverage, it doesn’t matter how old you get or what happens with your health- it will stay in effect. You have to continue to pay the premiums in order to keep it, but if you do pay them, the company can’t cancel your policy. This provides good peace of mind for many people who don’t want to try to reapply when they get older and/or have health problems. You lock your rates in and won’t have to worry about the price changing. 

Cash to Borrow

Another big benefit of whole life policies is that they will build a cash value over the years. After you have had the policy for a few years, it will begin to accumulate a cash value that you will be able to borrow against. This is another aspect that gives you peace of mind. If you have a serious financial emergency, you will be able to borrow the cash value of the policy and pay it back like a regular loan. If you should die before the loan has been completed paid off, the death benefit will just be that much less. 

Whole Life Insurance Policies

If you need life insurance and like the benefits of getting a whole life policy, call us today at North Georgia Insurance Center in Commerce, GA.

Is Home Insurance A Must In Georgia?

Commerce, GA is a mesmerizing location to reside in. Regardless of where you purchase your home from in Commerce, GA it’s worthwhile to protect this massive investment with prolific home insurance. Our homes are a destined haven of comfort; therefore, they need a shield from imminent perils like hail or theft. With impending disasters in Commerce, GA substantial financial constraints can crop up without proper home insurance when unfortunate events strike. Discover how North Georgia Insurance Center can help you safeguard your investment and personal assets by contacting our charismatic insurance specialists to secure splendid home insurance.

Is home insurance a must in Georgia?

Home insurance is not legally required by law in Georgia. However, if you finance buying or rebuilding your home using a mortgage, your lender might require homeowners insurance coverage. Nonetheless, it’s paramount to consider the available home coverage options to get guaranteed protection for your dwelling and loved ones: They include:

Additional living expense (ALE): Have you imagined what could happen when your home becomes uninhabitable because of being ravaged by a covered calamity? This form of policy will cater to additional expenses such as hotel bills and accommodation accrued as you were residing elsewhere temporarily as your house was get repaired or rebuilt.

Dwelling coverage: It shields your house and the attached structures. They include walls, floors, and plumbing systems, from prevailing damage against vandalism, fire, and theft.

Medical payments: It helps to pay for the costs of injuries your guest sustains while residing on your premises. For resistance, if a visitor trips and falls on your apartment and requires medical attention, this coverage comes in and settles the impending costs.

Content coverage: It protects your belongings such as electronics, furniture, sporting gear and clothing against covered incertitude.

Personal liability coverage: It caters to legal fees if a third party sues you for injuries propagated while residing on your property. This form of coverage extends protection even if you or your family is traveling elsewhere. In addition, this coverage extends protection to cater to damages such as lost income, legal expenses and court costs.

Do you want to establish benefits you can accrue by having solidified home insurance in Commerce, GA? Please call or visit us at North Georgia Insurance Center to prevent your family and loved ones from being relegated to homelessness and from impeding perils by getting more information about home insurance.

What auto insurance is required in Georgia?

Having to live without a vehicle would be hard for most people. Unless you live in an urban area with great public transport, you count on your vehicle to go about the activities of daily life. When you own a vehicle, you are required to carry the auto insurance mandated by the state where you live and, like most other states, Georgia requires auto insurance. In Commerce, GA, North Georgia Insurance Center has been providing reliable and accurate insurance quotes for more than 40 years. 

In Georgia, the required auto insurance is 25/50/25. This means that for one person injured in an auto accident where you are at fault, the coverage is $25,000. The total for all people injured in any given accident is $50,000. An additional $25,000 is required for property damage. This is an okay amount of coverage, but depending on your financial position in life, it may not be enough to protect you. 

If you have an auto loan or are leasing a vehicle, you will be required to carry insurance to protect the vehicle. This requires collision and comprehensive coverage. 

Collision coverage protects your vehicle from damage in an accident where you are the at-fault driver, where you are the victim of a hit and run, or in an accident where no other driver is involved. 

Comprehensive coverage covers all those unexpected things that can happen to your vehicles such as theft and vandalism. It also protects against weather events that can damage your vehicles such as hail or strong winds and limbs from trees. Additionally, if a deer runs into or in front of your vehicle, you are covered. One of the most popular coverage is the glass coverage which has no deductible. 

Contact North Georgia Insurance Center in Commerce, GA if you have auto insurance needs or questions. 

How Traveling Abroad Impacts Your RV Insurance Coverage

North Georgia Insurance Center provides coverage to the Commerce, GA community. We take the time to listen to our clients and help them find the policies that they are looking for. We work with several carriers throughout the South. We look forward to helping you find the coverage that you are looking for.

How Traveling Abroad Impacts Your RV Insurance Coverage

Your RV is one of your most valuable assets. Perhaps it serves different purposes. Maybe you use your vehicle to go camping. Other times, you may use your vehicle to enjoy a vacation. Regardless of your usage, RV insurance can protect your asset as you travel around Commerce, GA and beyond. Collision coverage protects your asset if it suffers damages. You can opt for a comprehensive policy that covers your vehicle if it is stolen or damaged by severe weather. All of your personal belongings inside the RV are also covered. Liability coverage is important, as you will be protected if you accidentally damage someone’s property or cause bodily harm.

If you are planning to travel abroad in your RV, there are some things to consider. The rules and procedures for handling an accident are likely different. Before heading to Canada, you may need to alter your liability coverage. In some cases, your domestic policy may not be valid, and you’ll need to look at short-term foreign insurance options. Consider contacting the U.S. State Department before you leave the country. Generally, comprehensive coverage is recommended when traveling abroad so that you are protected if an emergency situation happens.

North Georgia Insurance Center Will Help You Protect Your Assets

Visit our website to learn more information about RV Insurance.