When is home insurance needed in Georgia?

In the Commerce, GA area, people that own their homes will benefit a range of different ways. Those that own properties here can benefit from having a consistent and stable place to live, enjoying long-term price appreciation, and a variety of other benefits. If you are going to purchase a home in this area of Georgia, you undoubtedly need to get a home insurance policy as well. There are several situations when having this coverage will be needed for you. 

When Taking Out a Mortgage

One of the most common situations, when you will need to have home insurance, is when you want to take out a mortgage. If you have ever taken out a loan to buy a home, you will find that there are specific insurance requirements. The lender will not only review and approve your policy, but they will also require you to escrow payments to ensure there is not a coverage lapse.

When Looking to Protect Home

Even if you do not have a home loan, you still should get home insurance. Your property is most likely the most valuable asset that you will ever own. Due to this, you should protect it as well as you can. With a full home insurance policy, you can receive the coverage you need to repair or replace your home if needed. 

If you are in the Commerce, GA area, it will continue to be very important for you to protect your home with insurance. To ensure that you are picking the right home insurance policy for your situation, you should call the North Georgia Insurance Center to discuss your needs. If you do call the North Georgia Insurance Center for your insurance needs, they could assess your situation and help you to pick a policy that will offer you the right coverage to meet your needs. 

Do Prefab Homes Require Special Insurance?

Buying a prefab or modular home in Commerce, GA. Here’s the good news: You don’t have any extra hoops to jump through when it comes to home insurance. Every policy sold by companies like North Georgia Insurance Center is especially suited to the home it covers in the first place, and the difference between a home built in 1950 and one built in 2019 is as big a difference as anything you’ll see between a prefabricated home and a conventional home. Your insurer knows what they’re getting themselves into, and you don’t need to go to any specialty provider to get your prefab home covered.

There are some concerns you may have as a prefab homeowner. You may be at a slightly greater risk come storm season, for instance, but with proper maintenance and a solid roof over your head, insurers don’t really see prefab homes as being significantly riskier as an investment in comparison to a conventional home. In fact, your insurer probably won’t even ask if your home is a prefab in the first place.

The big concern in insurance, whether we’re talking commercial, home, or auto, is a liability, and that’s basically identical between prefab and conventional homes. As a homeowner, you have to worry about dog bites, slip-and-fall cases, and assorted injuries and damages.

If you’re looking to get coverage for your home in Commerce, GA, whether it’s prefab, modular, or something else, give North Georgia Insurance Center and see what they can do for you. The whole process is really no different no matter what kind of home you live in, and any insurer that covers conventional homes will cover prefabricated and modular homes.

How much home insurance do I need?

There are a lot of reasons to live in Georgia: friendly faces, moderate temperatures, and natural beauty wherever you turn. Georgia is also popular because of its affordable housing, with prices below the national average. 

Those may be the reasons you chose to buy a home in Commerce GA. Even with all those advantages, you still want to make sure your home is protected. But it can be confusing to decide how much protection you need. 

When you purchase your homeowner’s policy at North Georgia Insurance Center, you have to consider all these:

  • What is the value of the land? 
  • How much is the physical structure of your home worth? 
  • Are there outbuildings, like sheds or detached garages? 
  • Add in both small and large appliances, from your toaster to your stove to your air conditioning unit.
  • Do you have electronics? Keep the receipts and serial numbers in a safe place. 
  • Consider the value of your furniture and treatments, such as rugs and curtains. 
  • Add in personal items like clothing, books, and other items. 
  • Are there other considerations, such as expensive jewelry, artwork, or a boat you store on the property?  If so, speak to your agent about whether you need to add special protections for those.  There are usually limits on how much personal property is covered by your policy. 

Your homeowner’s policy is really a contract, and you should be able to look at it and know what is covered and what isn’t.  Make sure your limits cover you well enough that you can feel secure.

Living in Commerce, GA is wonderful, but things can happen anywhere. If you want to make sure you have the coverage you need, or if you just want to ask questions about your policy, please feel free to call North Georgia Insurance Center today. 

Home Insurance And The Bread And Breakfast

The bed and breakfast industry is a consistent and thriving entity that keeps the ability for some to vacation at an accessible level. Many tourists enjoy seeing the country from the view of a beautifully kept inn or bed-and-breakfast. If you are new to the concept of a bed-and-breakfast it simply entails a homeowner providing lodging and food for a guest for a fee. Typically time spent at a bed-and-breakfast will be less expensive than a commercial hotel stay. If you’re planning to enter this arena there are a lot of liability issues that you should consider. Maybe you have a spare bedroom or you and your partner are recent empty-nesters and you are wondering how to combine your innate pull towards expansive hospitality and the need for some extra income. 

It’s important to understand that your home insurance policy is meant for protecting your property and liability as it pertains to you and your family. While there are provisions for accidents that may occur to others, a home insurance policy is not designed for the extensive liability that may be incurred while running a bed and breakfast. Come and speak with one of our agents today to understand the parameters of your home insurance policy.

If you are looking for insurance services in  Commerce, GA come into the offices of North Georgia Insurance Center.  Our address is 1490 S. Broad Street Commerce, GA  30529. If you’re in the market for auto insurance, life insurance, health insurance, motorcycle insurance or recreational vehicle (RV) insurance we’re here to help you understand your policy and get the very best service and care. Don’t leave a liability untended. Call or stop in today.

Protecting Your Georgia Home from Weather-Related Damage with Home Insurance

Georgia residents are all too familiar with crazy weather patterns and having their lives in a state of upheaval due to Mother Nature. A comprehensive home insurance policy can provide the protection you need to lessen the impact that weather-related damage has on the lives of you and your family. The team of professional agents at North Georgia Insurance Center is here to help you meet all of the insurance needs of our clients in the greater Commerce, GA area in the most streamlined manner possible. 

Don’t Let the Weather Cause Unnecessary Upheaval in Your Life!

No one can control the weather, that is for sure, but we can all plan for the unexpected and be ready for whatever Mother Nature sends our way. Weather-related damage can cause your family to be displaced and can also damage or destroy your belongings. If this isn’t bad enough, imagine trying to navigate the insurance claim process when you and your family are living out of suitcases and have no idea when or if you will be able to return home! Working with a professional agent when securing your home insurance has the added benefit of having an advocate on your side in the event that a natural disaster or extreme weather can cause. Professional agents are able to guide you through the claims process and help keep any headaches to a minimum while also ensuring that you receive the benefits provided by your home insurance policy. Now is the perfect time to review your policy and make sure it is complete!

Is it time to increase the level of protection that your current home insurance policy provides? Contact North Georgia Insurance Center today to schedule an appointment with our team of agents that are proud to serve the greater Commerce, GA area.

Do You Need to Change Your Home Insurance If Your Home is For Sale and You Aren’t Living There?

In a perfect world, you would sell your current home before moving on and purchasing or renting a different home. However, we don’t live in a perfect world. You may need to move to care for an ill family member or for a job change and your home may not have yet sold. Or you may have found the home of your dreams and purchased it and moved before your home sold. Either way, you may have an empty house that is for sale. When this happens, we at North Georgia Insurance Center, serving the greater Commerce, GA area, are often asked if there are any changes that you need to make to your home insurance policy. Here is what you need to know. 

If you are no longer residing in the home and no longer have belongings inside, you may be able to make changes to your home insurance policy. These changes include stating that you have no personal property inside and waiving your right to replacement housing in the event your home becomes unusable due to a catastrophic loss or event. All in all, this may help you to save some money on your insurance policy. However, it is important to note that you are not legally required to make changes to your policy and many people do not. If your home is priced right, it will likely sell quickly, leaving it alone for only a brief period of time. Most people don’t like to change their insurance for this shortened period of time. 

If you are looking for a new home insurance policy or considering making changes to an existing one, visit North Georgia Insurance Center, serving the greater Commerce, GA area. We can help you decide what changes, if any, need to be to your home insurance policy. Contact us today to get started. 

What to Expect When Filing a Homeowners Insurance Claim

One of the questions that we at North Georgia Insurance Center are frequently asked is what can someone expect when filing a homeowners insurance claim in the greater Commerce, GA area. Here are a few of the things that you can expect if you should ever have to file a homeowners insurance claim. 

The Initial Phone Call

When you need to file a homeowners insurance claim, the first thing that you will need to do is phone your insurance company. During this initial phone call, you will be asked to provide basic information, such as your name, policy number and the type of damage that exists. The insurance agent will likely ask you how the damage occurred as well. 

An In-Person Inspection

After you have filed a claim, your case will be passed on to an adjuster. Typically, the adjuster will arrange for an in-person inspection of the damage done to your home. This typically takes a couple of days at least. During this time, the person the insurance company sends out will note what caused the damaged and what they value the costs to be to repair the damage. 

Negotiating the Settlement

Once your claim is accepted, you can begin negotiating a settlement. It is best to have a few quotes from contractors on hand to help you negotiate a fair settlement. However, be sure to deduct your deductible from the quoted price. In some cases, the insurance inspector values the repair work low and in other cases, they value it fairly. Having quotes on hand helps you to show that they valued the repairs too low if that is the case. Once the settlement amount is negotiated, you will be sent a check to begin the repair process. 

Having the right insurance limits in place is key in case you ever have to file a homeowners insurance claim. If you are not sure if your insurance rates are ideal for you, or if are looking for a new policy that increases your limits, contact North Georgia Insurance Center, serving the greater Commerce, GA area today. 

DIY Home Security Basics

Increasing your home’s security is an excellent way to improve your peace of mind and to take a swipe at your home insurance costs. You don’t have to fork over thousands to a security agency either if you take advantage of these DIY home security tools. If these tips don’t fulfill your need for home security, the North Georgia Insurance Center in Commerce, GA can help you find more ideas to protect your family and your property.

Doors, Windows, and Locks

Few things can beat a physical barrier for preventing criminals from accessing your home. If your locks are easily defeated, then even the most robust system of alarms and cameras won’t stop the thieves from finding something to steal. Check the integrity of the frames, replace damaged components, and upgrade to thicker and sturdier materials. Add a dead bolt to each door and add a lock to any window without one.

Alarms

An audible alarm that triggers when a door, window, or another opening is breached draws attention to your home, which is the last thing a criminal wants. Although, it may be harder or more expensive to configure your entry alarms to contact law enforcement automatically.

Lighting and Landscaping

While burglars can strike in the broad light of day, visibility always plays a significant role in how they decide to strike. Motion-sensing flood lights will spook many would-be criminals, and removing tall brush near doors and windows eliminates the opportunity for them to work on breaking your locks in the shadows.

Security Cameras

For DIY home security, the most promising technology available is the modern surveillance camera. A few cameras can keep eyes on the perimeter of most home lots for $200 to $1,000 depending on the quality of the camera selected. Upper-end models connect wirelessly, have night-vision to stay viable around the clock, record audio and video in high-quality formats, and can be remotely viewed through computer applications.

Reach out to us for any questions on home insurance. Visit our North Georgia Insurance Center in Commerce, GA or give us a call to learn how to start your home insurance policy today.

Unexpected Places Mold Might Grow in Your Home

Mold growth can be sneaky, especially when you live where there is a higher humidity level, as the Commerce, GA area. For mold to grow, it only requires a little food and water, and it will flourish.  It’s not a surprise to find mold growing in the basement or behind baseboards or drywall after a flood, but there are some unexpected and hard to detect areas it can grow.  Check these unusual places for mold in your home.

  • Refrigerator drip pans are one place easy to forget because it’s out of sight.  Food and moisture collect in the drip pan and creates a perfect environment for mold.
  • The gasket around front-loading washing machine doors creates another perfect mold-growing environment. There is lint to eat, and the gasket often stays wet.
  • Window sashes and seals, where dust and dirt collect and add some condensation and mold will grow.
  • The brick crevices of the chimney collect dirt, debris, and water where mold can flourish. 
  • Places where dishes are stacked, such as grouted tile.  The grout and cracks will stay wet, especially if dishes are washed daily, and create a nice mold-growing environment.  This may not be visible until it’s grown out of control.
  • Air conditioners trap pollen and dust, good food for mold, and moisture from the air and mold can grow in the AC drain pans and ducts.
  • The rubber seal around your dishwasher is another mold-growing culprit to watch.

North Georgia Insurance Center

The North Georgia Insurance Center provides home insurance to the Commerce, GA area.  Our agents are fair and held to the highest ethical practices.  We approach your home insurance needs as if they were our own. Contact a North Georgia Insurance Center agent to review your homeowner insurance needs.