Umbrella Insurance

Umbrella insurance is not required by law, but it is highly recommended for people with high-net-worth assets or a higher risk of being sued.

Your net worth: If you have significant assets, such as a home, investments, or a business, you are more likely to be a target of a lawsuit. Umbrella insurance can help protect these assets from being seized if you lose a lawsuit. Your exposure to lawsuits: Some people is more likely to be sued than others. For example, doctors, lawyers, and business owners are often exposed to higher levels of risk. If you have a job or hobby that puts you at increased risk of being sued, umbrella insurance may be a good idea. Your budget: Umbrella insurance can be relatively inexpensive, especially if you have a high deductible. However, the cost of coverage will vary depending on your state, your net worth, and the amount of coverage you choose. If you are unsure whether or not umbrella insurance is right for you, give us a call at 678-717-0344, and we can help you assess your individual needs and recommend the right coverage for you.

You and your spouse Any person named on the Policy Declarations Any relative or dependent living with you

Umbrella insurance typically covers a wide range of liabilities, including: Bodily injury and property damage caused by you or your family members Slander and libel Invasion of privacy False arrest and imprisonment Employment practices liability

The cost of umbrella insurance varies depending on a number of factors, including your coverage limit, deductible, and assets. However, it is generally relatively inexpensive. For example, a $1 million umbrella policy typically costs around $200 per year.

Umbrella insurance is especially important for people who have high-net-worth assets, such as a home, business, or investment portfolio. It is also important for people who have a higher risk of being sued, such as professionals, landlords, and parents of teenage drivers.

A coverage limit is the maximum amount of money that your insurance company will pay out in the event of a loss.

There are a few things you can do to prepare for a renters insurance claim: Take an inventory of your belongings and keep it in a safe place. Keep receipts for any major purchases. Know your policy number and how to contact your insurance company.

You can save money on your renters insurance by: Increase your deductible Bundle with other policies, such as car insurance Take advantage of safety features, such as smoke detectors and security systems. Choose Carriage, so that we can shop around and compare quotes from multiple insurance companies!

Renters insurance isn’t legally required. However, a landlord will typically require renters' insurance as a condition of signing a lease. They are allowed to do this, so when you’re filling out a rental application be ready to buy renters insurance if you haven’t already.

Renters insurance is for people who rent their homes, while homeowners insurance is for people who own their homes. Renters insurance covers your personal belongings and provides liability coverage, while homeowners insurance covers your home and its contents, as well as liability coverage.

The average cost of renters insurance in Georgia is $15 a month, and $17 a month in Alabama. However the actual cost of your policy will vary depending on a number of factors including: coverage limit, deductible, age, and credit score. Contact us today at 678-717-0344 to get your free quote or fill out our online quote form for your renters insurance quote

Technically, yes, you can add a roommate to your renters insurance policy. However, it's important to weigh the pros and cons before you do. On the one hand, adding a roommate to your policy can save you money on premiums. That's because you'll be splitting the cost of the policy with your roommate. On the other hand, there are a few risks to consider. First, if you and your roommate have a falling out, it can be difficult to untangle your insurance policies. Second, if your roommate files a claim, it could raise your insurance rates in the future. Overall, it's best to err on the side of caution and get your own renters insurance policy. This way, you'll have full control over your coverage and won't have to worry about your roommate's claims affecting your rates.

The cost of pet insurance depends on a number of factors, including your pet's breed, age, and health history. You can also choose different levels of coverage and deductibles, which will affect your monthly premiums.

Some common exclusions in pet insurance plans include: Pre-existing conditions Cosmetic surgery Experimental treatments Breeding expenses Preventive care (in some plans)

Whether or not pet insurance is worth it depends on your individual circumstances. If you can afford to pay for unexpected veterinary expenses out of pocket, then you may not need pet insurance. However, if you're on a tight budget or you're worried about the cost of unexpected veterinary expenses, then pet insurance can be a valuable investment.

Pet insurance plans vary in terms of what they cover, so it's important to compare different plans before you choose one. Most plans cover accidents and illnesses, but some plans also cover routine care, preventive care, and even prescription medications.

Most pet insurance companies will only insure pets that are at least 6 weeks old and up to 10 years old. However, some companies may offer insurance for older pets.

Yes, you can insure your puppy or kitten. In fact, it's a good idea to start pet insurance as early as possible, while your pet is still young and healthy. This will help ensure that your pet is covered for any accidents or illnesses that may occur in the future.

Yes, we recommend obtaining an estimate before filing a claim. Once you have your estimate, give us a call to discuss your options. We’ll also look at your policy with you to see if your estimate is above your deductible. Visit our Claims page to learn more

The out-of-pocket costs can depend on many factors but here is a general answer: If you did not cause the accident, the driver who did — and his or her insurance company — is typically responsible to pay for any resulting damages or injury. However, if the at-fault driver has no insurance or is underinsured, you may be left holding the bill. Ask your insurance rep what you can do to ensure your policy will protect you in this situation, such as adding collision or uninsured/underinsured motorist coverage. If you are at fault for an accident, your insurance typically provides coverage for repairs, medical, legal and other related expenses up to your policy limits once you pay your deductibles. For example, let’s say your car is damaged in a covered accident you caused, you have collision coverage with a policy limit of up to $10,000 and your deductible is $2,000. If the cost to repair your car is $1,500, you will pay the entire $1,500 since it is less than your deductible. If the cost to repair your car is $8,000, you will pay your deductible of $2,000 and your insurer will pay the remaining $6,000. If the cost to repair your car is $12,000, you will pay $4,000 (your deductible, plus the $2,000 above your policy limit) and your insurer will pay $8,000.

Each claim is different, and many things affect how long it takes to settle. You can help your claims advocate keep your claim moving by providing all the necessary details and documentation.

Some of the factors that can affect your car insurance rates include: Your driving record: Drivers with a clean driving record typically pay lower rates than those with accidents or traffic tickets on their record. Your age: Younger drivers typically pay higher rates than older drivers. The type of car you drive: More expensive cars and cars that are more likely to be stolen or vandalized typically have higher rates. Your location: Drivers in urban areas typically pay higher rates than those in rural areas.

Most carriers have mobile apps where you can request your ID cards. To find out if your carrier has a mobile app, simply search for it on Google. Once you install the app, you will need to create an account or log in with your existing customer login. Once you are logged in, you will be able to request your ID cards. You can also send your request to us at info@yourcarriageinsurance.com

"Full coverage is layman’s term for insurance coverage above the minimum requirements. AKA liability protection, uninsured/underinsured motorist, collision, and comprehensive coverages. Full coverage is a misnomer because it means different things to different people. It does not offer complete protection from all occurrences. So it is important to have meaningful discussion with your agent; to avoid any gaps in protection either perceived or missed (but needed and available)."

An auto insurance deductible is what you pay “out of pocket” on a claim before your insurance covers the rest. Collision, comprehensive, uninsured motorist, and personal injury protection coverages all typically have a car insurance deductible. You typically have a choice between a low and high deductible. A low deductible means a higher insurance rate, whereas a high deductible means a lower insurance rate. Here’s something you should keep in mind when choosing coverages and deductibles. Higher deductible = Lower car insurance rate and higher out of pocket costs. Lower deductible = Higher car insurance rate and lower out of pocket costs.

Car insurance is a financial contract between you and an insurance company. In exchange for a premium, the insurance company agrees to pay for certain losses or damages that occur to your car, or that you cause to others, in an accident.

Extended Home Coverage is often described as additional coverage over and above the Dwelling Limit. This coverage will pay additional amounts; if your dwelling coverage amount is not sufficient to replace your home after a total loss. For example, Inflation has raised the rebuilding cost of your home to $425,000 but you only have $400,000 in Dwelling Coverage, the extended coverage will pay the additional $20,000 cost to rebuild. *This coverage generally comes in the following purchase options: 25% of Dwelling, 50% of Dwelling, and with some companies Guaranteed Replacement Cost. *

Homeowners insurance policies can vary – however, most policies are based off a standard form and cover two important areas: liability and property. At a minimum, homeowners insurance usually covers damages caused by the following: Fire of lightning Windstorm/hail Explosions Vehicles Smoke Theft or vandalism Falling Objects Freezing of a plumbing, heating, air conditioning or other such household system

Homeowners insurance typically does not cover flooding, earthquakes, or other natural disasters. It also does not cover certain types of damage, such as wear and tear, pests, and mold. You may need to purchase additional coverage for these things.

There are a number of things you can do to lower your homeowners insurance rates, such as: - Shopping around for quotes from multiple insurance companies (which is what we are here to help you with!) - Raising your deductible - Bundling your homeowners insurance with other policies, such as auto insurance - Installing security features in your home, such as a burglar alarm or fire alarm - Making improvements to your home that can reduce damage from covered perils, such as strengthening your roof or installing storm shutters

Finding insurance coverage can be difficult for certain dog breeds, as insurance companies often refuse to cover "vicious" breeds, or charge higher premiums for them, due to the large number of dog bite claims. This includes but is not limited to: Pitbulls, Rottweilers, Akitas, Wolf Hybrids, Chows, Bull/Staffordshire Terriers, and more. If you have one of these breeds or any questions about your liability coverage, please call us at 678-717-0344

First and foremost is ensure that you and your family are safe, and then, call the police. Once the police arrive to your home they will complete a report – this report is required when you file the claim and will help the process go faster. It is also helpful to have a list of lost/damaged items with their estimated values.

The amount of homeowners insurance you need will depend on the value of your home and belongings. You should also consider the risks you face, such as whether you live in an area that is prone to natural disasters. A good rule of thumb is to insure your home for its replacement value.

A homeowners insurance deductible is the amount that you will pay out-of-pocket before your insurance coverage kicks in. This amount depends on your dwelling deductible and other factors.

Yes, many people combine a large term life insurance policy with a small permanent life insurance policy to achieve different financial goals.

Read your policy for this information. It should have a table of cash values that should provide the answer. Call us at 678-717-0344 if you are still not sue of the cash value amount.

Life insurance can provide a number of benefits, including: Financial security for loved ones: Life insurance can help to replace the income that a policyholder would have provided if they were to die prematurely. This can help to ensure that the policyholder's loved ones can maintain their financial stability after the policyholder's death. Peace of mind: Life insurance can provide peace of mind knowing that your loved ones will be financially taken care of after you are gone. Tax advantages: The death benefit from life insurance is generally tax-free, meaning that your beneficiaries will receive the full amount of the benefit without having to pay any taxes on it.

Everyone has different life insurance needs. Some people may only need enough coverage to cover their final expenses, while others may need enough coverage to replace their income and provide for their loved ones. We can help you determine the right amount of life insurance coverage for you. We will consider your individual needs and goals, such as your age, income, expenses, debts, and family situation.

Yes, you can borrow money against your life insurance policy, but only if you have a permanent life insurance policy. Term life insurance policies do not build cash value, so you cannot borrow against them. Policy holders are required to repay this loan including interest, and any outstanding balances owed at the time of death will be deducted from the death benefit. Term life insurance policies, on the other hand, do not have a loan option available, because they do not accrue cash value. This is why these types of policies are commonly referred to as “Death Benefit Only” policies.

Yes, it is possible to get life insurance if you have health problems. However, you may pay a higher premium or have more difficulty qualifying for coverage. Some companies may also offer you a graded death benefit, which means that your beneficiaries will receive a lower death benefit if you die within a certain period of time after the policy is issued.

Yes, your employer's life insurance coverage is typically 1x-2x your base income. However, this is often not enough to cover your mortgage, final expenses, and one year of income replacement. It is important to have additional life insurance coverage on top of your employer-sponsored coverage. This will help to ensure that your loved ones are financially protected in the event of your death. Additionally, when you retire or leave your company, you will not be able to take your employer-sponsored life insurance coverage with you. Therefore, it is important to have your own life insurance policy that you can keep even after you leave your job.

Not all life insurance policies require a physical exam, but those with high death benefits usually do. This physical is typically performed in your home by a paramedic or licensed health care worker. Most exams consist of a height and weight check, blood and urine samples, and an EKG. You will also need to answer questions relating to your medical history. In some cases, additional documentation such as a credit history and driving record may be required.

There are a few ways you can save money when buying life insurance. Typically, purchasing young to lock in the lowest rates could help you save money, so you don’t end up paying higher premiums in the future.

Yes, you can deduct your business insurance premiums on your taxes. Business insurance premiums are considered a business expense.

The types of business insurance you need will depend on the specific risks faced by your business. For example, if you own a retail store, you will need general liability insurance to protect you from claims of bodily injury or property damage to customers. If you have employees, you will need workers' compensation insurance to protect you from claims of work-related injuries or illnesses.

Business insurance is a type of insurance that protects businesses from financial losses caused by a variety of risks, including property damage, liability claims, and business interruption.

The amount of business insurance you need will depend on the size of your business, the industry you are in, and the value of your assets. You should work with an insurance agent to determine the right amount of coverage for your needs.

There are many different types of business insurance available, including: General liability insurance Commercial property insurance Business interruption insurance Workers' compensation insurance Commercial auto insurance Professional liability insurance Business owners package (BOP) Not sure which kind your business needs? Get in touch with us at 678-717-0344 and one of our insurance advisors will be more than happy to assist!

The cost of business insurance will vary depending on the type of coverage you need and the amount of coverage you purchase. However, business insurance is typically a relatively small investment compared to the potential financial losses that a business could face if it is uninsured.