Auto & Home Insurance in Acworth, GA

Georgia Minimum Auto Insurance Requirements

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $25,000 per accident
• Uninsured Motorist Bodily Injury*: $25,000 per person and $50,000 per accident
• Uninsured Motorist Property Damage*: $25,000 with a $250, $500, or $1000 deductible

Auto and Home Insurance Information

What is automobile insurance coverage?

Auto insurance safeguards you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium, and the insurance company agrees to pay your losses as specified in your policy.

Auto insurance provides property, liability and medical protection:

Property coverage pays for damage to or theft of your vehicle.
Liability coverage pays for your legal responsibility to others for physical injury or property damage.
Medical coverage pays for the expense of treating injuries, rehabilitation, and in some cases, lost wages and funeral service expenses.
An auto insurance policy is comprised of six different kinds of protection. Most states require you to buy some, but not all, of these insurance coverages. If you’re financing a car, your lending institution may additionally have requirements.

A lot of auto policies are either for a six-month or annual term. Your insurance provider should notify you when it’s time to renew the policy and pay your premium.

Why do you require car insurance?
It’s genuinely all about safeguarding yourself economically.

If you’re in an accident or your vehicle is stolen, it costs money, often a lot of money, to repair or replace it.
If you or any passengers are hurt in a crash, medical expenses can be costly.
If you or your car is responsible for damage or injury to others, you might be sued for much more than you’re worth.
Not only is having insurance coverage a prudent financial decision, but many states also require you to have at least some coverage.

Questions to consider when talking to one of the Insurance Gurus sales professionals:
As Independent Agents, we are an advocate for finding auto insurance coverage that fulfills your particular needs. Here are a few things to consider as you prepare for the conversation:

Just how much can you afford to pay if you get in an accident? (To keep premiums low, you may wish to have a higher deductible and be willing to pay more for repairs.).
What is the insurance company’s level of service and ability to pay claims?
What discounts are offered? (Ask about good drivers, multiple policy and student discounts.).
What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.).

What is Homeowners insurance?

Homeowners’ insurance coverage offers fiscal protection against catastrophes. A standard policy insures the home itself and the essential things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your household cause to other people. This includes damage caused by household pets.

Damage caused by most emergencies is covered, but there are exceptions. The most considerable are damage caused by floods, earthquakes, and inadequate upkeep. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Why do you require homeowners insurance?

It is all about protecting yourself financially if something unexpected happens to your home or belongings. That is essential given that typically your house is most likely one of your most significant financial commitments.

If your house were destroyed by fire or damaged by a natural disaster, you would need money to repair or replace it.

If a visitor is in your home and gets injured, liability protection and medical coverage help pay costs.

If you are a victim of theft and vandalism, this insurance can compensate you for your loss or pay for repair work.

If you are still paying for your home, your loan provider will require insurance coverage.

It is essential to understand that homeowners insurance is meant to cover unforeseen damage, not routine repairs and maintenance. Ask your representative to discuss what is covered, and be sure to read your policy, so you know exactly what’s included and what is not.

Questions to consider when speaking to one of the Insurance Gurus sales specialists.

Here are a couple of things to discuss with your agent that will affect your decisions.

How much will it cost to reconstruct my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.).

Does the insurance company have a good reputation for customer service? Is it known for paying claims reasonably and promptly?

What are discount rates available? (Ask about multiple policy, security systems, and fire resistance discount rates.).

What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim).