Anyone in the Augusta, GA area will understand that owning a car is a good investment. With a car, you will be able to get around the city and the rest of Georgia conveniently. Anyone that is going to get a car here will need to get auto insurance as well. There are a few reasons why drivers in this area of Georgia will need to get an auto insurance policy.
Insurance is Required by Law
A key reason you should get auto insurance when you are in this part of the state is to stay in compliance with the law. Those who drive a car on a public road here must carry liability coverage the whole time. This coverage ensures that drivers can pay for damages they could cause, and if you do not have insurance, you could be penalized.
Insurance Protects Car
It would be best if you also got insurance to protect your car. A vehicle is a significant asset that will be among the largest that you will ever own. If you decide to purchase a car, you will want to protect this investment. A full collision and comprehensive plan will give you protection so you can repair or replace the car following various situations that result in a loss.
If you are shopping for an auto insurance plan in the Augusta, GA area, it will help if you speak with Whit Blanchard Insurance Group. There are a lot of choices that need to be made when you are looking for insurance. The Whit Blanchard Insurance Group team can help you evaluate all of your options and compare them to your coverage needs. This will help you choose a plan that works for your situation. Contact our office to get started with a quote.
First-time homebuyers in Augusta, GA are sometimes shocked to learn that their mortgage payment includes much more than just their home price. A typical mortgage payment includes the principal payment on the loan, interest, insurance, and taxes. At Whit Blanchard Insurance Group, we understand that shelling out money for an insurance payment can be difficult; an escrow account is an excellent way to make insurance payments more manageable.
How Escrow Works
Rather than having to pay a large tax or insurance bill at one time, you can include an escrow account as part of your mortgage payment. This is essentially a savings account dedicated solely toward costs associated with owning your home. Because they are worked in as part of your mortgage payment, it’s easier to have the discipline to put this money aside every month.
Each time you make a mortgage payment, a portion of that will go into the escrow account. When it comes time for taxes or insurance to be due, the money comes out of that escrow account.
In many cases, managing an escrow account is simple. Once you have the account set up, you’ll need to do little if anything to maintain it. Your deposits will be made automatically out of each mortgage payment, and your mortgage lender often manages to pay the insurance and tax bills when they are due.
The costs of buying a home can add up, but insurance is definitely not a cost you can avoid. If you’re worried about being able to afford a new home, an escrow account is just one of the many ways to make the cost more manageable. For people buying a home near Augusta, GA, Whit Blanchard Insurance Group is ready to chat about insurance options. Give us a call or stop in today!
Georgia has more than 7 million licensed drivers. What this means is you will likely rarely be alone on the road. Where there are more drivers, there is more danger of accidents. You can’t think about the potential of an accident without considering the type and amount of auto insurance you have and what you may actually need. At Whit Blanchard Insurance Group in Augusta, GA, we have been providing personalized hometown service since 1975.
Basic auto insurance is state-mandated. In Georgia, that amount is 25/50/25. This means that for a single accident, you must have liability insurance for $25,000 per individual, $50,000 per accident, with $25,000 for any property damage that may result. This may sound like a lot of money until you consider what even one day in the hospital can cost. If you have an auto loan or lease, basic insurance will include collision and comprehensive coverage dictated by your lender or lessor.
Basic insurance is enough if you have little or no assets attached in the event of legal action against you. It is enough if you have a vehicle of little or no value. For everyone else, serious thought needs to go into the amount of auto insurance that will protect your assets and the vehicle you count on to get to work every day. Every driver needs to comply with the law, but you want to sleep at night knowing you are protected.
Basic insurance is good for a tiny percentage of the population. Just about everyone else needs more. How much more is something to discuss with your independent insurance agent. In Augusta, GA, the Whit Blanchard Insurance Group has the experience you need to make the right decision. Contact our office for all of your insurance needs.
New home businesses are on the rise. The Small Business Administration estimates that 50% of small businesses are home-based. Home businesses have many attractions, including not needing to pay for a storefront or business location. It also allows for flexibility. Since you already have home insurance, you may think you can get away without commercial insurance, but that would be a mistake. In Augusta, GA, at Whit Blanchard Insurance Group, we have been providing friendly hometown service for 45 years. As independent agents, you can provide choices.
Commercial property insurance
It is tempting not to get a commercial property insurance policy for your home business since you already have home insurance. Don’t give in to the temptation. While your home insurance may give you some limited coverage, it likely won’t be as much as you need to really protect your business.
Commercial auto insurance
If your business owns even one vehicle, you need commercial auto insurance. If you use your personal auto insurance to protect yourself when driving for business, your insurance may not cover you. It is also a good financial idea to keep your personal finances and your business finances totally separate.
Commercial liability insurance
This is one of the most important types of commercial insurance, and home businesses are no exception. As a business, you are vulnerable to legal suits against you. If someone is injured while visiting your business or by a product or service you provide, you may be sued. This involves legal fees and a judgment against you.
Business interruption insurance
If something happens to your home, a tornado, or fire, for example, you will not be able to do business. This insurance will make sure that you still have an income while you rebuild.
Contact Whit Blanchard Insurance Group in Augusta, GA to discuss your commercial insurance needs.
Anyone that is in the Augusta, GA area should consider purchasing a home. Those that are property owners here will enjoy having a consistent and stable place to live while also benefiting from property appreciation over time. If you are going to purchase a home here, you also need to get insurance for it. Several tips should be followed that can help you choose a new home insurance policy.
One tip that should be followed when you want to choose a new home insurance policy is to consider your requirements. Most people who are going to purchase a home will have requirements set by either their mortgage lender or a home association. It is important that you carefully consider what your requirements are and then pick a policy accordingly.
Consider Other Needs
Even if your lender is not required to have coverage, you should still get a policy that meets your needs. Various factors should be considered, including coverage limits, whether you need to protect some valuable personal assets, and if you have unique liability risks. Based on these personalized considerations, you may want to modify your insurance policy to ensure that you are properly protected at all times.
If you need to choose a new home insurance policy for your Augusta, GA area home, you should call Whit Blanchard Insurance Group. The Whit Blanchard Insurance Group team understands the risks and needs that homeowners have when it comes to insurance. The team can help you better evaluate your needs and ensure that you can pick a policy that will provide you with the right coverage for your situation.
In the Augusta, GA area, getting around town and enjoying all of the local amenities will usually require having a car. When you are looking to purchase a car here, you need to make sure that you also spend time choosing a proper insurance policy. When you have insurance for your vehicle, you can benefit in several different ways that make it a great investment to have.
Insurance Will Ensure Compliance
One of the advantages of having an auto insurance policy is ensuring you remain in proper compliance. Anyone that owns a car will need to have insurance to comply with the state’s legal requirements. At the same time, this insurance policy will help you comply with any lender requirements if you get collision and comprehensive protection. This could help you stay in good standing with your lender and the state.
Insurance Provides Right Coverage
Even if you are not required by anyone to carry insurance, you should still get an auto insurance policy as it provides important protection. If you are shopping for an auto insurance policy, you will find that your coverage is beneficial. This could ensure you can pay for any damages you cause in an accident and even repair or replace your vehicle if necessary.
Choosing an auto insurance policy in the Augusta, GA area is a big decision. To ensure that your policy is protecting you as well as possible, you should call the team at Whit Blanchard Insurance Group. When you call the team at Whit Blanchard Insurance Group, you can learn a lot more about how insurance will benefit you and your asset. The team here will take a personalized approach to help you build and select a new policy.
Anyone that wants to own a business should consider operating in the Augusta, GA area. This area of the state offers a lot of opportunities and has a robust local economy. When you are looking to start a business here, you should get a commercial insurance policy as it can protect your inventory and employees. Several benefits come with this insurance coverage.
Protection for Company Assets
One of the advantages of a commercial insurance policy is that it can protect your business assets. Starting any company will always come with the need to invest in business assets. If these are damaged or stolen, it could be an enormous financial setback for you. Due to this, you should get a commercial insurance policy that provides the necessary protection.
Gives Liability Protection
Another advantage of this form of insurance is that it provides you with liability protection. When you sell a product or service, you will always be taking on liability risk. If you are sued and found liable for an accident, it could be very damaging to your organization. Due to this, you should get a commercial insurance policy to protect you and your company from this risk adequately.
When you are shopping for commercial insurance in the Augusta, GA area, it is imperative to work with someone you can trust. Picking a commercial insurance policy is a huge decision and can be quite complicated. The team at Whit Blanchard Insurance Group can help to make it easier for you. When you call Whit Blanchard Insurance Group, the insurance team will be able to answer any questions that you have and make sure that it is adequately covered with a policy that mitigates your business risks.
When we buy home insurance policies, we do so with the hope that we will never have to make a claim. That is why many people in Augusta, GA do not know how to file a home insurance claim. While filing a claim is never a wish, knowing how to do it correctly helps you save time, recover, and settle down faster. That is why at Whit Blanchard Insurance Group, we emphasize learning the home insurance claiming process to help you stay prepared in case of a disaster. Here are three tips to help you prepare for a claim.
Learn your home insurance coverage
The best way to prepare for a home insurance claim is by understanding what is covered, what is not covered, and the premium limits. Go through your home insurance policy and learn what is excluded to avoid filing for damage or loss that is not covered. If you feel you need to include more coverages, you can discuss this with your insurance provider.
Prepare a home inventory.
If you bought your home insurance a few years ago, the chances are that you have purchased several other items in the house which may not be included in your home insurance policy. You can create a home inventory and include all the new items you bought to ensure they are covered in case of a loss. You can keep receipts, photos, or even record a video of your entire home and everything inside it. If you are planning to do or already did a major renovation, you should notify your insurance company immediately.
Hire a private adjuster to evaluate your home
While insurance companies have their own public adjusters, it is always a good idea to hire a private one who can also help handle the claiming process to its fulfilments. They can be fundamentally important in case you are dealing with a considerable loss.
For all your home insurance needs, Whit Blanchard Insurance Group is here to help. Call or visit us in Augusta, GA today!