Coverage guides, local risk tips, and insurance market updates from our independent agents.
Georgia homeowners who have not updated their dwelling coverage since 2020 are likely underinsured. Construction costs rose 35 to 45 percent. Here is how to check your coverage and what to do about it.
Read moreGeneral liability insurance covers bodily injury, property damage, and advertising injury claims against your Georgia business. Here is exactly what it covers, what it misses, and how much you actually need.
Read moreCherokee, Forsyth, Gwinnett, and north Fulton County each have distinct insurance market dynamics. Carrier appetite, hail exposure, and fire protection ratings all affect pricing differently across North Atlanta.
Read moreProfessional liability insurance covers financial losses your clients claim were caused by your services or advice. General liability does not cover this. Here is who needs it, how claims-made policies work, and what it costs in Georgia.
Read moreA personal umbrella policy adds $1 million or more above your home and auto limits for $150 to $300 per year in Georgia. Most families with assets to protect should have one. Here is how it works and who needs it.
Read moreThree common gaps in Georgia homeowners policies: dwelling limits, wind/hail deductibles, and flood.
Read morePersonal auto policies exclude business use. If employees drive for your Georgia business, you need commercial auto coverage. Here is when it applies, what hired and non-owned auto covers, and which carriers are competitive.
Read moreYour declarations page is the one-page summary of everything your insurance policy covers. Here is what is on it, where to find it, and why your agent needs it to help you.
Read moreHeavy rain plus aging Atlanta sewer infrastructure means basement and main-floor backups are common. Standard homeowners excludes them. The fix is a $40 to $80 per year endorsement.
Read moreWhen a roof or appliance is destroyed, actual cash value pays the depreciated value, often half the cost to replace. Replacement cost pays the full amount. The premium difference is small.
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