Which Coverages Should I Buy If I live in My RV?

While most people in Commerce, GA, buy RVs for recreational activities, others have a bigger picture in mind—living in the RV. Depending on what you want to do in your home on wheels, buying RV is a topmost priority, and it becomes even more critical if you decide to live in the RV. So which coverages should you focus on that will make you feel more at home? Here are a few suggestions by North Georgia Insurance Center.

Liability protection

Liability coverage is quite critical whether you live in the RV or not. In fact, both home and auto insurance comes with liability coverage. If you are living in the RV, the chances are that you are not the only driver. Your liability coverage protects everyone in the RV, whether you or the other driver is at fault. The coverage can pay for expenses associated with property damage, injuries, and court costs.

Collision coverage

Collision coverage protects you against damage or loss to your RV due to a collision. It pays damage if your RV collides with a stone, tree, or another car.

Comprehensive coverage

Comprehensive coverage offers compensation for damage or loss when your RV gets into an accident other than a collision. This could be theft, fire, vandalism, hail damage, or any other element.

Emergency roadside services

Being out on the roads every day puts you at risk of flat tires, breakdowns, and other accidents. Emergency road service can be a great addition to your RV insurance policy.

Personal property coverage

Living in your RV means keeping all your valuables in the RV. For this reason, you may want to buy enough coverage to protect all your possessions in case of theft or damage. Most insurance companies in Commerce, GA, provide coverage only to property attached to the RV, not what you bring along for your comfort or security. 

There are many more RV insurance coverages to consider when living in your home on wheels. Contact North Georgia Insurance Center for more information, queries, or quotes.

Owning a vehicle in the Commerce, GA area is a necessity to ensure that you are able to get around town. When you are looking for a new one here, it would be a good idea to also carefully consider your insurance needs. Having motorcycle insurance continues to be necessary for all people. There are a few different reasons that you should get motorcycle insurance when you own one in Georgia. 

Insurance Protects Your Motorcycle

A key reason that many people should get insurance is that it will give you protection for your motorcycle. If you do purchase a motorcycle, you will be making a major purchase and investment that you will want to pay off for years to come. When you have insurance coverage, it can give you the protection needed to repair or replace your asset. 

Insurance is Needed to Drive Legally

Additionally, you will want to have motorcycle insurance as it is a requirement for you to drive your motorcycle legally. Those that are going to ride their motorcycle on a public road need to make sure that they follow the state laws regarding insurance. If you do not get the proper motorcycle insurance, you will be in violation of the law in the state of Georgia and you could be penalized.

As you are looking to purchase a motorcycle, getting the right motorcycle insurance is very important. When you are looking for a new motorcycle insurance policy in the Commerce, GA area, it would be a good idea to call the North Georgia Insurance Center. The insurance professionals with the North Georgia Insurance Center understand the complexities that come with picking insurance. They can help you by assessing your situation and giving the support that is needed to pick the right policy that meets your needs. 

Since the passage of the Affordable Care Act, every taxpayer must carry some major medical health insurance. That confuses some individuals because there exist multiple types of medical coverage. Rather than purchasing from an advertisement, you need to know the difference between the insurance types and where to find the insurance coverage that meets the ACA qualifications. This blog explains the difference between hospitalization and preventative health care policies as well as pharmaceutical/prescription plans, so you can visit North Georgia Insurance Center of Commerce, GA to obtain the insurance coverage you need.

Major medical health insurance refers to Medicare and Medicaid health insurance plans for individuals, medical coverage for families, employer-provided health insurance policy, subsidy-purchased plans, and catastrophic medical plans. These all cover a broad range of costly medical issues that typically require hospitalization.
Some types of medical insurance do not qualify as major medical health policies, including gap insurance, which consists of critical illness, accident, and telemedicine policies, as well as short-term health policies. Pharmaceutical plans and preventative care, also called wellness plans, do not qualify.

You can compare plans in the health insurance marketplace, or you can meet with your insurance agent. You can only add insurance during open enrollment or if you qualify for a special enrollment period. The latter occurs due to a major change in your way of life, such as losing a spouse whose work provided insurance coverage or losing your job.

During open enrollment periods, you cannot get denied coverage due to a pre-existing condition. This ensure that every individual can obtain proper insurance. You will still get a choice between using a Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), Point of Service (POS), High Deductible Health Plan (HDHP). You can use a short-term health insurance plan if you miss open enrollment, so you have coverage until the next open enrollment period.

Contact North Georgia Insurance Center of Commerce, GA for more information on health insurance and help to determine which best meets your needs.

Whole Life Policies

There are many benefits that come with a whole life insurance policy. When you’re looking for a life insurance policy, call us at North Georgia Insurance Center in Commerce, GA to talk about what you may need from your policy.

Keeping Your Life Insurance Policy in Place

One of the main benefits of having a whole life policy is that the policy will continue for the rest of your life. If you keep paying the premiums, you keep the coverage indefinitely. This allows you to lock in one rate for your premiums instead of paying more and more with each term of the coverage. Other types of insurance get more expensive as the insured gets older.

Building Cash Value

These policies build up a cash value over time. As you pay the premiums, your coverage build value that can be used if it’s needed. When you have a cash value built up in your policy, you can borrow against that amount. This allows you to take care of a big financial need with little notice if one comes up. Once the money is borrowed, the death benefit of the policy is lowered by the amount that was borrowed. These policies can also be exchanged for annuities. This allows the insured to get regular payments sent to them instead of keeping the death benefit of the policy. 

Getting Whole Life Insurance

If you are interested in the financial benefits of a whole life policy, call us at North Georgia Insurance Center in Commerce, GA to make an appointment to talk with an agent. Your agent can go over the different types of insurance and help you assess which one might be best for you and your family. 

Approximately 9 million American families own some sort of RV. Of that number, only about 1 million live in their RVs full-time. That means nearly 8 million RV owners may have too much RV insurance. After all, if your RV is in storage for 6 to 8 months of the year, should you be paying for year-round coverage? 

North Georgia Insurance Center is here to help you find out how to find the right RV insurance.

Year-Round RV Insurance

If you’re like most proud RV owners around Commerce, GA, you take three or four trips a year, typically in the spring and summer. The rest of the time your RV is either in a storage facility or on your own property. You may be paying for full coverage even in the off-season. 

Unless something really strange happens, your RV should be safe from all those dangers present on the highways of America. 

But that doesn’t mean that you shouldn’t have any insurance. While you may not get into a fender bender in your stationary RV, other things could happen that insurance can cover. So, what’s your alternative to year-round RV insurance?

Storage-Only RV Insurance

Your best bet for coverage during the off-season, storage-only RV insurance is worth looking into. Essentially, it’s designed to provide coverage for those things that may happen to your RV while it’s in storage. 

In some cases, premiums can decrease depending on where your storage unit is located. If you keep your RV at your home, you may be able to find very affordable coverage, depending on where you live. 

To find out more about storage-only coverage for your RV, contact North Georgia Insurance Center in Commerce, GA, today!

Motorcycles are no small investment. If you’re thinking of buying a bike in Commerce, GA, you’d do well to take your time and get it right. These tips by North Georgia Insurance Center can help you make wise decisions in the motorcycle you buy.

Review Bike Types  

Motorcycles come in all sizes, types and styles. By reviewing the different types of bikes available in the Commerce, GA area, you can get a better idea of what to buy. When deciding on a bike for you, consider how, when and where you’ll be using your motorcycle so you can match your purchase to your lifestyle.

Research Your Options  

Once you’ve decided on a bike type, research your options for bike shops, brands, and prices online. This can help narrow your search for the bike of your dreams. If you have biker friends, enlist their help in recommending a bike for you. Better yet, take them with you for their personal input when you’re ready to buy.

Try Your Bike for Comfort and Size

Try your bike to make sure you’re comfortable with its height, weight, and seat shape and size. New riders may prefer a bike with a low seat that enables them to touch the ground when stopping. A bike with a smaller engine and reduced power will also be safer for novice riders.

Stay Within Your Budget

Your first motorcycle shouldn’t break the bank. Set a budget for your purchase and stick within that budget. You can always upgrade to a more costly model, if you want, after gaining greater experience on the road.

Include Motorcycle Insurance in Your Budget

Motorcycle coverage is a must to protect you, others, and your newly acquired investment against theft or damage in an accident. Call or visit North Georgia Insurance Center for help in selecting the motorcycle insurance you need. 

Health insurance is an important investment you make in both your health as well as your finances. In order to make the best decisions concerning health insurance, you need to be informed. Here at North Georgia Insurance Center serving Commerce, GA, we look forward to educating our clients on these important insurance topics. Keep reading to learn what you need to know about health insurance before open enrollment. 

Enrollment Dates Matter 

Every state in the US now has open enrollment dates. These are the only time frames in which you can enroll in health insurance coverage. In Georgia, the open enrollment dates run from November 1st through December 15th. Before or beyond these dates you cannot enroll in a health insurance plan. If you miss the date you may be required to wait an entire year before enrolling. However, there are certain exceptions to this rule for individuals who have experienced a variety of life changes during the year. You will need to speak with an insurance representative to learn about these exceptions. 

Coverage Levels Matter

Most health insurance plans will divide their policies according to metal levels or coverage levels. Each level represents a different type of coverage. You will need to spend some time getting acquainted with these levels so that you can make the best choice for your health coverage. Different people will have different needs in health coverage. Understanding these levels will ensure that you are sufficiently covered without paying for coverages you don’t need. 

Your Budget Matters

Fitting a health insurance plan into your budget will be a crucial part of your financial planning for the year. Taking time to truly understand what you are paying for and how it will impact your budget can save you from any financial surprises down the road. 

If you would like to learn more about health insurance, please contact our staff today at North Georgia Insurance Center serving Commerce, GA. 

Life insurance is not a luxury – it is a good investment and necessity today. It is a guarantee of financial protection for your beloved ones if you pass away. North Georgia Insurance Center in Commerce, GA prepared a list of main types of people, whose lifestyle requires them to have life insurance: 

Married People

Many married people mistakenly believe that they do not need to spend money on life insurance unless they have children. However, if one of the spouses suddenly dies,  the other one will face serious financial hardship by being unable to pay off all the debts, including credit card balances, mortgage, car loans, and others. In addition, there are also funeral expenses that are not cheap and need to be covered as well. 

Breadwinners

If your family members depend on your income, it is extremely important to get life insurance to protect them.  After your death, they will be eligible for income replacement that will cover all the necessary expenses and give them financial stability, at least for a while. 

Business Owners

Life insurance can be used to pay off estate taxes, business debts if you have any, and fund a buy-sell agreement. Life insurance even allows you, as a business owner, to fund a retirement plan for your employees. 

Single Mothers

You should think about the future of your kids, especially if you a single mom, and your child depends on you completely. If you are not around anymore, life insurance will provide your children with a safe financial net and stability after your death. 

Retired people

If you are retired and your kids are already grown independent people, you might think you do not need life insurance. It is a mistake. You still need it in order to protect your heirs from paying off high estate tax and make sure that your spouse can still afford the same good lifestyle you had lived before.

If you are shopping for life insurance and have any questions, North Georgia Insurance Center in Commerce, GA will be more than happy to assist you. Call us today for more information and a consultation.

An RV can be an incredible asset to own. You can stay close to your Commerce, GA home, or you can travel all around the country and still have some of the comforts of home. They are extremely popular among retirees and families who travel with children.

As the warmer months approach, RV owners are gearing up for vacations and road trips. While you are getting your oil changed and stocking the cabinets in preparation, there is one more thing you need to do: Update your insurance policy. North Georgia Insurance Center can help you make these updates so you can relax on your trip.

First, there is a chance that you dropped your insurance while it was parked for the winter. If that is the case, you will need to reinstate your policy to drive legally. Whether you are reinstating or just updating, you need to check your coverage:

• Do you have at least the minimum amount of coverage required to drive your RV?
• If you encounter damage due to theft, vandalism, acts of nature, debris, or impact with animals, can you afford to cover the repairs? If not, you should consider adding comprehensive and collision.
• Can you afford any repairs for damages due to an uninsured motorist out of pocket? If the answer is no, consider adding uninsured motorist coverage.
• Have you upgraded your RV in any way that might either get you a discount for safety features or require you to increase your coverage due to increased value?
• Do you need to add any new drivers to your policy that will be taking turns behind the wheel?

Some additional coverages to consider are:

• Roadside assistance in case of a mechanical or electrical breakdown that makes you need a tow
• Total loss replacement that can cover the cost of a brand new RV if yours is totaled

There are many types of coverages to protect your RV, and North Georgia Insurance Center can help you find the perfect coverage for you. If you are a Commerce, GA resident, be sure you give us a call or stop by!

The state of Georgia has over 200,000 registered motorcycles. With a mild climate and growing industries, it has an ever-increasing number of motorcycle owners. The residents of Georgia are required by law to have liability insurance to ride a motorcycle. An accident where you at at-fault, your liability coverage is used towards paying for the expense of the other party’s injuries or damages. Depending on the policy, you will have limits for the maximum coverage amount, which is the ceiling of what will be covered by your insurance provider. Although the minimum policy limits might high, you can be paying out-of-pocket for damages and medical bills especially if the other party is at fault but doesn’t have sufficient insurance coverage. That is why is advised to have a consultation with an insurance agent to see if you can get a policy with higher limits.

The collision coverage protects your motorcycle in most accident situations. Comprehensive insurance covers other items such as theft, vandalism, fire, water and other acts of God. You don’t want to be paying completely out-of-pocket for such unfortunate but common incidents.

In the state of Georgia, eye protection is required unless you have windscreen attached. A helmet is mandatory for all riders and passengers. Only one mirror is required although it is recommended to have one on each side. A headlight and muffler are also required.

You can contact North Georgia Insurance Center at Commerce, GA to get the best rates and customer service for your needs. The highly trained agents will guide you with the policy best suited to your specific needs. You can visit the website of North Georgia Insurance Center at Commerce, GA, for more information and contact details. Don’t take any chances, get in touch right away.