Farm Owners Insurance to cover cattle, tractors, barns, and liability.
Brand:Allstate, Progressive, Farmers
Whether you are a full-time farmer, farm as a hobby, or own a farm worked by someone else, you may have special insurance needs our broad Farmowners policy can cover.
A Farmowners policy protects your home and personal property as well as farm-related property, which can include structures like barns and sheds, equipment, livestock, and tenant-occupied dwellings on your property.
The policy includes liability coverage to protect you in the event someone is hurt or someone else’s property is damaged on your property. Coverage for loss of income due to a covered loss is also available.
To customize your policy to meet your individual needs, you can select from several options:
Replacement Cost Coverage for your residence and personal property
Protection for mobile farm machinery and livestock
Farm and personal liability protection
Identity theft resolution services and expense reimbursement
Church Insurance, protect the church, fellowship buildings, schools. Cover the liability, workers comprehensive coverage and more.
Brand:Allstate, Farmers, GuideOne
Founded in 1947, GuideOne Insurance is one of the leading providers of insurance to churches and churchgoers in the United States.
Other commercial products offered by GuideOne include insurance for private schools and colleges and not-for-profit assisted living facilities. Their Personal Lines products include auto, homeowners, and renters insurance with special benefits for people of all faiths. GuideOne agents also offer life, annuity, and income protection plans for individuals, as well as group employee benefit products for commercial entities.
If you are in need of insurance for your house of worship, GuideOne Insurance is the place for you. GuideOne Insurance specializes in meeting the unique needs of churches, churchgoers, private schools and colleges, and not-for-profit senior living communities.
After more than 60 years of proven performance, GuideOne has developed the expertise and customized coverages to provide customers with superior protection, the most knowledgeable advice, and unparalleled service. Here are a few of the strengths that set GuideOne apart:
One of America’s largest church insurers.
The finest auto and homeowners policies for the activities, travel, and lifestyles of churchgoers.
One of the top five senior living community insurers.
A premier insurer of private schools and colleges.
The industry’s most extensive line-up of safety and security resources – available through the GuideOne Center for Risk Management.
The most comprehensive property and casualty coverages available.
Group life and employee benefits packages.
Guide One is a non-profit organization with the focus on Faith and not share holder profits as with other secular companies.
It is very important for Georgians to carry adequate insurance coverage for their vehicles. To protect yourself properly it is important to understand what coverage you have. Affordable Insurance agents are dedicated to helping Georgia motorists find the lowest quotes for car insurance policies from well known companies they can feel comfortable doing business with.
Georgia Minimum Car Insurance Requirements
Because of the increase in motorists on its roadways and the increased chance of its residents being involved in a collision, Georgia’s minimum car insurance requirements are higher than many other states. The minimum liability coverage is set at 25/50/25 for bodily injury and property damage.
• Bodily Injury Liability- Bodily injury liability covers the medical expenses of the driver and passengers of the other vehicle. If you obtain only the minimum required coverage the insurance company will pay a maximum of $25,000 for a single person and a maximum of $50,000 for all persons for a single incident.
• Property Damage Liability- Property damage liability covers repairs to public and private property such as road signs and homes as well as the other party’s vehicle. Minimum coverage will allow for a maximum payout of $25,000 per incident.
Full Coverage
With the ever-increasing costs of medical expenses and repairs, it is advisable that Georgians obtain better-than-minimum coverage for their vehicles. The state of Georgia also advises its motorists to obtain some type of Comprehensive and Collision coverage to pay for damages to their vehicle if they are found to be the at-fault party or if their vehicle is damaged by acts of nature such as hail or wildlife.
Uninsured Motorist (U/M)
Uninsured/Underinsured motorist protection is also recommended by the state of Georgia because of the chance of other motorists failing to maintain adequate insurance coverage. UM protection will help cover damages to your vehicle if the other motorist does not have adequate insurance protection.
Gap Coverage
Another type of coverage offered by many Georgia car insurance companies is Gap coverage. In the event that your vehicle is totaled in an accident, insurance companies will pay a maximum of the Kelly Blue book Value to the insured party. Unfortunately, this does not always cover the total loan value of the vehicle. Gap coverage helps to fill the gap between the Blue Book value and the actual loan value owed.
Georgians, on average, pay less for their auto insurance premiums than many other states. Independent agencies such as Affordable Insurance Agency wants to help Georgia motorist pay the lowest price possible for their auto insurance policies. Shopping rates for insurance customers puts the pressure on insurance companies to keep their rates as low as possible to earn your business. Affordable Insurance Agency searches our partner companies for cheap car insurance quotes for each of our customers, allowing them to choose the best insurance policy for their vehicles at an affordable price. And getting the quotes is easy. Simply call Affordable Insurance Agency directly to talk to one of our agents today or simply fill out the online quote request located on the home page. Georgia car insurance quotes. It’s quick, it’s easy, and best of all it’s free!
Whether it is your first home or a veteran homeowner, understanding home insurance is critical for protecting your investment.
Here are 7 things you need to know:
1. Get a clue report.
“It’s important for new homebuyers to think of insurance as part of the home search process and to look at obtaining coverage for the home as far in advance of closing as possible,” says Mary Bonelli, a spokeswoman for the Ohio Insurance Institute.
Besides getting a home inspection from a Georgia licensed inspector, request a copy of a C.L.U.E. report. A Comprehensive Loss Underwriting Exchange–is a database that gives insurers access to information on claims that have been filed against the property in the last five years. As a prospective buyer, you can’t get a report from the company, but you can ask the homeowner, who can ask LexisNexis, for a copy. A growing number of buyers are requiring sellers to provide a copy of the report as a contingency for a purchase offer. The loss history will reveal problems that could make insuring the home difficult or expensive. Ask an Affordable Insurance agent about the home’s insurability and for an estimate of the premium.
2. What a Georgia home insurance policy doescover.
A standard Georgia home insurance policy covers the home and your belongings, as well as your liability for any injuries or property damage you, your family members or pets may cause others. It also provides additional living expenses in case you can’t live in the home while it’s being repaired after an insured disaster.
Policies are fairly standard among states. Here are the basic types of home insurance in most states:
• HO-1, a bare-bones home insurance policy that protects against an average of 10 perils.
• HO-2, a broad home insurance policy that covers the house and contents against an average of 16 disasters.
• HO-3, the most popular and broadest home insurance policy. It covers against all perils except those specifically excluded (earthquake, flood, nuclear accident, neglect, war, government action [such as seizure of the property], power failure, building code laws [it would not cover the cost to bring your house up to code, for instance], losses from faulty construction materials, defective maintenance, and faulty zoning.).
• HO-6, a home insurance policy for condo’s and co-op owners. The policy provides coverage for liability, personal property and structural parts of the building you own.
• HO-8, a home insurance policy designed for older homes whose replacement cost far exceeds the property’s value. The policy usually reimburses you for actual value–replacement cost minus depreciation. Georgia has plenty of older homes whose values have depreciated may not qualify for replacement cost coverage.
You need to understand the difference between actual cash value and replacement cost coverage. Actual cash value coverage pays for the cost of replacement, minus depreciation. If your five-year-old car was destroyed, the payout under actual cash value coverage would equal the autos value, considering its age. Replacement cost coverage would pay for buying a brand new auto.
3. What home insurance doesn’t cover.
Standard Georgia home insurance policies don’t cover floods or earthquakes. You must purchase separate policies to get coverage for those disasters. Your lender will require you to buy insurance through the National Flood Insurance Program available through Affordable Insurance Agency if you live in a flood-prone area. Also, in some coastal areas,Georgia home insurance policies exclude damage from wind; homeowners there need a separate windstorm insurance policy to cover wind damage. Earthquake insurance is optional, but recommended in many areas throughout the state of Georgia when the home may be near a fault line.
4. The limits.
Standard Georgia insurance policies put dollar limits on valuables, such as jewelry, furs, fine art, and antiques. You may need to buy a “floater” or endorsement to provide extra coverage.
Always complete an inventory of your personal belongings, working closely with your agent and asking lots of questions to make sure you have enough coverage. I recommend using a recording device to take video of all items in the attic, closets and other areas in case of a loss for proof.
Always consider purchasing additional liability coverage through an umbrella policy if your home has a pool, spa, golf cart, or atv due to exposure.
5. Insure the cost to rebuild, not the market value.
After the housing market imploded in 2008, more than 25 percent of Georgia home owners mistakenly thought they should reduce their home insurance because market values had dropped.
Insure your home for the cost to rebuild it, not its market value. The rebuilding cost doesn’t include the value of land. That amount could be more or less the market value, depending on labor and materials costs.
6. The benefits of shopping with Affordable Insurance.
Shop several companies at one time by calling our Independent Agency. We not only find who provides the best coverage at the best price, but also represent the insurance companies that have strong financial ratings.
7. You need to update.
Review your home insurance needs with your Affordable Insurance agent every year. Home owners who add bedrooms, bathrooms and amenities is a great example. Unfortunately, if the insurance policy is not upgraded, and the home is destroyed, the policy will not cover the beautiful home additions. It only provides coverage for the modest house since his policy was not upgraded.
When in doubt about your home insurance coverage, check your policy and talk to your agent. It’s better to address questions now than to get caught short after the damage has been done. Please call with any questions you may have regarding your Georgia Insurance Policy at (706)297-0009
Builders Risk coverage protect the structure while being built along with materials and offers liability protection.
Brand:Allstate, Progressive, Infinity, Mercury
Builders Risk Insurance
Builders Risk from Affordable Insurance Agency protects you from damage to your project while it is being built.
As you may know, managing your Builders Risk Insurance can get complicated. So Affordable Insurance Agency has partnered with several “A” rated companies that make the process simpler, easier to use and even saves you money.
Affordable Insurance knows you’re busy. So we’ve created a way for you to get the Builders Risk insurance you need by filling out our easy to use fillable form which only takes a few minutes of your time and may save you money.
Every project is different. So our Builders Risk insurance products are remarkably flexible, enabling you to get just the coverage your project requires at a low price.
Costs are critical. So we offer highly competitive rates—along with our quality protection and outstanding service.
Relying on Affordable Insurance for Builders Risk insurance that covers your needs:
Building materials owned by contractor and others
Foundations
Temporary structures like scaffolding
Paving, fencing and outdoor fixtures
Lawn, trees and plants installed by builder
Debris removal and pollutant cleanup
Profit
Additional coverage is available for tools & equipment, terrorism, blanket model home contents and more
Product Details
Availability:
Georgia, South Carolina
Business types:
Residential general contractors
Remodelers
Developers
Light commercial general contractors
Product Features:
Some products are completely web-based – you can manage your account online any time
Annual Policy with pro-rata cancellation for second and subsequent years
Special credits available for large contractors
Easy-to-use online tools save time and money
Exceptional customer service
Fast, friendly and efficient claims management staff
Financial stability – Affordable Insurance has partnered with companies that are “A” Rated “Excellent” by A.M. Best Company, a leading independent insurance rating organization
Financing is available for large accounts
Low premium
Low down payments on financed accounts
Affordable Insurance is located in Toccoa, Georgia and services Georgia & South Carolina. For any questions please call 706-297-0009
Liability — Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory.
Under BI/PD, your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you’re sued after an accident, your insurance company will pay for a lawyer to defend you.
Liability limits generally appear as three numbers, for example, 25/50/25 or 100/300/100. The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maximum that would be paid out for bodily injury per claim and the third number represents the maximum amount your insurance company is obligated to pay for property damage you cause.
Collision — When you buy collision coverage, your insurance company pays for damages if your vehicle collides with another vehicle or object. Collision coverage involves a deductible amount you select when you purchase your policy. This amount is what you are required to pay before your insurance company starts picking up the tab. Remember, the deductible amount is the amount you need to pay in the event of a claim.
Comprehensive — Comprehensive covers damage caused by events other than a car collision — such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. And if your car is stolen, it will cover the cost of a rental, subject to a daily limit. Like collision coverage, a deductible usually applies.
Medical Coverage — Depending on the state in which you live, you may have available to you Medical Payments coverage or Personal Injury Protection (PIP) coverage. While these both work differently, they provide coverage for medical care provided to you as a result of a car accident.
An independent Affordable insurance agent from our home offices located in Toccoa, Georgia and Royston, Georgia can help you determine the price, coverage and service that best meets your needs.
Do you travel with your dog or cat when RVing? Is your pet more than a companion? Is he or she a member of your family? You’re not alone. Most of the 8 million RVers, according to the Recreational Vehicle Industry Association, bring pets along on trips.
If this includes you, great news! Pet injury coverage from Progressive protects your furry four-legged friends in the event of an accident.
In the past, RV insurance policies cover the people … but not the pets … inside RVs. Not any more. Progressive offers free pet injury coverage with collision and comprehensive coverage and pays up to $500 if your dog or cat is hurt or dies because of a crash, fire or flood.
“RVing is more fun when the entire family, including pets, is along for the ride,” said Cathy Pelfrey of Progressive. “This coverage gives pet owners something no other RV insurer offers – peace of mind from knowing that their dogs and cats are protected, too.”
Progressive was the first insurer to introduce pet injury protection to its car insurance customers.
General Liability Insurance can cover multiple diffent situations. Depending on the type of risk there may be different exclusions so it is important to have an agent of experience ensure you are protected.
Life Insurance has many different types. Affordable Insurance has listed these different types to help clarify any questions.
Brand:Allstate, Progressive, Woodman of the World
Term Life: stated benefit upon the death of the policy owner, provided that the death occurs within a specific time period.
Whole Life:without cash build-up (usually cheaper), pays a stated amount upon death of the insured. With cash build-up pays a stated amount upon death of the insured. It also accumulates a cash value that the policyholder can withdraw or borrow against.
