Insurance Agency Fort Oglethorpe, GA

A New Year’s Checklist That Benefits Your Insurance Policy

Insurance Agency Fort Oglethorpe, GAThe start of a New Year always energizes us to start off on the right foot. Whether it’s committing to spend more time with family, exercising more or saving money, New Year’s resolutions are common for everyone. But, what about your insurance policy? Is there something you can do at the start of every year to save money or keep yourself fully protected? We share four items to complete.

Actually Complete a Home Inventory Checklist

Sure, this is always easier said than done. But it doesn’t take as long as you may think. Plus, you would regret NOT doing this if you experience a disaster in your home. You can start by taking pictures of each room in your house. Always include your big ticket items like jewelry, art, electronics, antiques, furniture and anything else you highly value. Get into the habit of taking a picture of your receipts for big ticket items. To keep your home inventory list safe, store it on the cloud or save your documents on a zip drive that’s stored safely.

Keep In Touch With Us

Always keep us up-to-date with your life changes. Are you driving less? Did you remodel your home to add value? Did you purchase big ticket items? By keeping us in the loop, we’ll keep your insurance policy updated, make sure you are fully covered and may be able to find additional discounts.

Ask Us Questions

When you use a local insurance agent instead of purchasing insurance online, you get guidance and professional advice. Do you know exactly what your insurance covers? If you want the cheapest insurance plan, you may not realize what risks you’re taking by opting for less coverage. We never want you to be surprised if you have to file a claim and find out you’re not covered. Did you know if your home experiences a flood or an earthquake, you would need a separate policy to be covered? Continuously ask us questions. You should always know what you are and aren’t covered for with your insurance policy.

Always Ask Before Shopping Around

Did your auto insurance increase $300 this year? It’s normal to think you need to shop your insurance elsewhere. However, being a local insurance agent, we have MANY insurance companies to quote from and it may be as simple as asking us to shop around for similar coverage with other companies. Let us do the shopping for you! As an independent insurance agent, we can review your coverage and ensure you have the best company for your current situation.

By following the four topics above can keep you informed and prepared for any unfortunate situation.

Renters Insurance Fort Oglethorpe, GA

All of your Renters Insurance Questions Answered!

Renters Insurance Fort Oglethorpe, GARenters insurance is a great thing to have if you’re not a homeowner. We’ll answer the top questions we get about renters insurance below.

How Much Is Renters Insurance Per Month?

The cost of renters insurance can vary depending on what your coverage limits are and what you want covered. It can also vary because of your credit score or previous loss history. In general, a policy with average limits with clean credit and no loss history will run you about $15-25 a month.

What Is The Best Renters Insurance Policy?

The best renters insurance policy is a policy that provides you the best coverage at a price that you’re comfortable with.

Should I Get Renters Insurance?

Everyone should carry renters insurance if they rent a home or apartment. Renters insurance covers more than just your things. It provides you with a liability insurance policy to protect your assets. Renters insurance will protect you with coverage from theft and fires too.

Is Renters Insurance Worth It?

If you’re a renter, getting a renters insurance policy is always worth it. At less than a dollar a day, it is an affordable insurance policy that protects you and your assets.

What Does Renters Insurance Cover?

Renters insurance covers a variety of things from your personal items like your computer and couch to your clothes. It also provides you with liability protection in the event you are found liable for injuries to others you’re found liable for as well as provides you with temporary living expenses if your home becomes uninhabitable for periods of time.

Can a Landlord Require Renters Insurance?

Yes, landlords can require you to carry a renters insurance policy. Many renters assume their landlord’s insurance policy will cover their personal items in the event of a loss, but that is not true.

Can I Use My Roommate’s Renter’s Insurance Policy?

No, roommates are specifically excluded from renters insurance policies unless they are listed on the policy by name. Roommates are excluded from coverage for personal property, loss of use and liability coverage.

We always recommend a renters insurance policy. If you have questions about your renters insurance or would like to get a renters insurance quote, please contact us.

Liability Insurance Fort Oglethorpe, GA

Hosting a holiday party? 3 things to keep in mind.

Liability Insurance Fort Oglethorpe, GAThere are many factors that go into hosting a great holiday party. Whether it’s prepping your family’s homemade, traditional recipes, cleaning your home for guests or decorating for the perfect holiday festivity, hosting a party is a lot of work! At the same time, it can be fun & your guests may look forward to your party for weeks. While we wish parties could be all fun and games, there are some risks you should be aware of.

Alcohol

We all know and understand the risks of drinking too much alcohol. However, when you are the host of a party and serving alcohol, you could be liable if someone leaves your home after drinking too much and gets into a car accident. As a host, be aware of how much your guests are drinking and ensure they have a safe ride home. Even if that means calling a taxi or Uber for them.

Tripping Hazards

There are many ways a guest could trip and fall inside or outside your home. You can be liable and a home insurance claim may need to be placed if a guest is injured on your property. Here are a few things to consider to avoid a tripping hazard.

  • Have a clear walkway path from your driveway to front door. Ensure there are no extension cords, cracks in the sidewalk or an icy path where your guest could fall.
  • Clear toys, decorations or other objects from the hallways or stair case in your home.
  • Ensure your rugs aren’t bunched where a guest could trip.

Distracted Cooking

Did you know cooking is the number #1 reason for home fires? It’s easy to get distracted when you’re hosting a party and trying to cook your meal at the same time. However, don’t allow yourself to multi-task or leave the kitchen while heating elements are running. Other things to consider:

  • Know where your fire extinguisher is located in your home.
  • If a grease or oven caught fire, would you know what to do? For a grease fire, don’t throw water on it, but instead, smother it. For an oven fire, keep the door closed and turn off the oven.
  • If you like to deep fry turkeys, keep it at least 10 feet away from your home.

Holiday parties give lasting memories for not only the host, but the guests as well. However, being prepared is crucial to protect yourself from liability. For questions about your home or liability insurance, contact our agency!

Fall Home Maintenance Tips in North Georgia

Five Things To Do For Fall Maintenance For Your Home

Fall Home Maintenance Tips in North GeorgiaWith winter season approaching, now is the time to do a few simple tasks around your home. Not only can this prevent damage from occurring, but it can help keep your home exterior clean. Instead of giving you a long laundry list of things to check off, we go over the five most important.

Is My Home Safe?

This is simple question to ask yourself every spring and fall.

  • Do you have one smoke detector on each floor of your home? Do I need to change the batteries?
  • Do I own a fire extinguisher? If so, is it up to date?
  • Where is my first aid/at home emergency kit? Do I need to make any changes?
  • Can our family be okay if there is a major event like an earthquake, flood, tornado or other natural disaster?

Am I Protecting My Home From Water Damage?

Water damage can be a root cause of home problems. Sometimes they can be covered by your home insurance, but other times they are not. Regardless if they are covered, they are a terrible to deal with. Here are a few areas to check to lower your risk of water damage in your home.

  • Check your gutters & downspouts

Once most of your leaves have fallen from your trees, simply look for debris that could be collecting in your gutters. If you see leaves collecting, remove them in order to prevent clogged gutters. If your gutters are clogged during a rainstorm, it could cause damage to your roof or siding. Also, check if your gutters are damaged & are still attached to your home. Lastly, check your downspouts. Ensure they are draining properly instead of being clogged and pooling water near your home.

  • Check your roof

Loose or missing shingles on your roof can increase your risk for water damage. Make sure your shingles are in good condition before that winter storm hits. If you have a home with a flat roof, ensure it doesn’t have any buildup of leaves. When in doubt, refer out. If you aren’t sure what to look for, ask a professional.

  • Are exposed pipes still insulated?

Check the exposed pipes around your home to ensure the insulation isn’t ripped or torn. Uninsulated garages are very important to check. Many people assume it is “inside” but uninsulated garages can get as cold as the outdoor temperatures. Check there for pipes that need to be insulated.

Is Air Escaping My Home?

Check door and window seals for signs of deterioration. Use weather stripping or caulking around windows and doors to help keep warm air in and cold air out. You’ll also lower your energy bill. On another note, if air can get into your home, water can too.

Did I Replace My Furnace Filter?

To keep your furnace running efficiently, you need to replace the filter often. Some filters may need to be changed every month.

Are Rodents Nesting In My Home?

Rodents tend to nest in your crawlspace, attic and even in your walls. Walk the perimeter of your home & any access points in your garage to make sure you do not have any cracks or holes for rodents to enter. Also, check your vents along your foundation for holes or deterioration. As the weather gets colder, rodents are always looking for a warmer place to live.

Also, remember rodents love a food source. If you are storing food or bird seed in your garage, make sure it’s properly stored in a sealed container.

While preventative maintenance can get easily get pushed on the back burner when life gets busy, it’s still important to make the time to do it.

If you have questions about your home or condo insurance, call Gary Thacker Insurance. We can provide you with an insurance quote or go over your current policy.

Saving Money on Car Insurance in Georgia and Tennessee

How To Save Money on Car Insurance

How To Save Money on Car Insurance in Tennessee and Georgia

Saving Money on Car Insurance in Georgia and TennesseeFor years we have all been flooded with auto insurance commercials talking about various discounts offered in the insurance industry for auto insurance. There are the standard ones: multi-policy, multi-vehicle, etc., but there may be some other discounts that drivers are not aware of. We have compiled some of the additional insurance discounts offered by various insurance companies. Could you be saving money with these discounts? Be sure to ask your local insurance agent about special discounts that may apply to your specific situation.  These discounts vary by state, so it is best left to a local agent to let you know which ones apply.

Possible Auto insurance discounts in Tennessee or Georgia:

  • Multi-policy: Bundling multiple polices like auto, home and boat with the same insurance carrier can save you some money.
  • Good or distant student: If your student keeps their grades above certain level (as designated by the insurer) they may be eligible for a good student discount. The insurance carrier will need proof, typically sending a transcript will suffice. If your student is attending college at a distant (typically more than 500 miles from home, but that varies by carrier) you may be eligible for a discount on the vehicle since it may not be driven as much.
  • Education level: Like an extension of the good student discount, drivers who hold advanced degrees, like a bachelor’s degree, may qualify for a discount.
  • Defensive Driver: Taking a carrier approved defensive driving course could earn you a discount on your auto insurance policy. Check with your insurance agent, as this type of discount may be limited to certain age groups.
  • Multi-vehicle: Like a multi-policy discount, insuring multiple vehicles with the same carrier may earn you a small discount.
  • Green vehicle: If you drive an electric or hybrid vehicle, you may be eligible for a discount. Ask your agent to see if your vehicle qualifies.
  • Anti-theft: Vehicles with anti-theft systems statically tend to be stolen less often, thus a lower risk. You may be entitled to a small discount if your vehicle meets the criteria.
  • Anti-lock brakes: The anti-lock brake feature is standard on almost all new vehicles. Check with your insurance agent to see if your carrier provides a discount for anti-lock brakes.
  • Safe driver (accident free): Many major insurance carriers will award safe driving discounts to drivers who have been accident free for a number of years. The criteria varies between insurance carriers.
  • Military: Active and veteran military members are often eligible for discounted auto insurance. Ask your insurance agent to see if you qualify.
  • Early quote/signing: If you are looking to change insurance carriers or upgrade your auto insurance, getting a quote (and signing up) before your current policy has expired may get you a discount. You may need to get a quote within a certain number of days prior to your policy expiration, so check with your agent.
  • Paid-in-full: You’ll see the discount reflected in the price when you are presented with your options for paying your auto insurance policy. Paying off the policy in full will cost you a little less than paying every month.
  • Paperless: Don’t want to get a paper statement? Great, you get a discount. Most major insurance carriers offer discounts for customers who choose to do automatic billing and receive emails rather than paper statements.
  • Loyalty: Sticking with your insurance carrier for three or more years could earn you a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!

If you have questions about your home, auto or commercial insurance, call the insurance agents at Gary Thacker Insurance. We have years of insurance experience and can help you insure everything from your home to your auto or business insurance. We live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.