Monday, October 26, 2015
The weather in the southeastern part of the U.S. can be unpredictable, and because of this, Georgia has seen an increase in disaster declarations in recent years. As a result, homeowners have noticed a hike in their Decatur, GA insurance policies. Your home is likely your largest financial investment, and having quality insurance is crucial in protecting it. Today, it's more important than ever to ensure you have a quality plan that gives you the biggest bang for your buck, and there are a few tips to follow when evaluating your options.
Saturday, October 24, 2015
There are two types of coverages for car insurance in Decatur GA, liability and physical damage. Liability coverage is mandatory in the state of Georgia, whereas, physical damage is optional. Although physical damage is not a requirement, most lending institutions, such as banks and finance companies require full coverage if there is an outstanding loan. Insurance carriers offer two kinds of physical damage coverages, comprehensive and collision. The comprehensive policy is probably advantageous for the insured because it covers robbery, vandalism, and fire damages. Collision policy compensates the insured for at fault accidents or accidents caused by uninsured motorists.
Thursday, October 22, 2015
A rising trend in some high-end houses is home automation, or sometimes called “smart-homes”. Home automation is similar to having a single remote device (in this case a tablet) that controls some technologies in the house. With home automation, it is possible to control the thermostat, the door locks, or even the lights with just a few swipes in your touchscreen while seated comfortably in front of the television. The comfort and ease that it provides makes home-automation a sought after technology to those who can afford it, but how exactly does this affect your home insurance policy?
Monday, October 19, 2015
Driving a customized car is like flying to Europe in a first-class seat with the fanciest meal imaginable. For the car owner, there’s a unique thrill to having a set of wheels that nobody else does—a car that was made especially to suit certain needs and preferences. On the onlooker’s part, a customized car is a source of admiration and even envy, but what do insurance companies like Focus Insurance Group think of customized cars, and how does some customization affect your auto insurance policy?
Sunday, August 9, 2015
As a homeowner, protecting your home from the elements should be at the top of your priorities, and getting home insurance gives you assurance that your home will remain standing in the future, despite damage that may be caused by natural calamities. Though home insurance remains to be among the most common types of policies that people get, it’s also among the least understood. Among the aspects that confuse most homeowners are misconceptions about the policies’ coverage, as they tend to believe that their policies will basically cover any damage their homes or belongings sustain. To avoid any further confusion, learn more about the common misconceptions surrounding home insurance so that you can get the best policy to protect your home.
Friday, August 7, 2015
People drive cars every day. What most of them don't consider is what happens when they get into an accident. A car accident can be a devastating financial loss. For one, you’ll most likely got injured and will need medical help. Also, you'll probably need to get your car repaired or have to buy a completely new one. Thankfully, auto insurance from Decatur, GA companies like Focus Insurance Group can help you out. However, signing up for coverage doesn't exactly ensure that you’ll get your money's worth on your monthly premiums. Here are few tips on how get the best bang for your buck. Go For a Big Umbrella First of all, when looking for car insurance, it's best to go with the one that protects you most. Different insurance plans give different coverage. For example, a lot of insurance plans cover paying for your medical bills as a driver, however, they do not extend this to your passengers.
Friday, July 10, 2015
"Buying a home for you and your loved ones is always a win-win, as long as it’s located in a community you feel comfortable in. Safety concerns, however, may rear their heads before long, and may force you to invest in the likes of home security systems. An article in the security info website SafeEssentials says that can be a good thing when it comes to your insurance. Dovetailing a home security system with adequate home insurance coverage may be a potent combination for residents of Decatur, GA. A look at the seat of DeKalb County’s peace and order situation identified five very safe neighborhoods – three neighborhoods, on the other hand, were marked with high incidences of criminal activity. When your home has not been cased for potential break-ins but you are nevertheless committed to safeguarding it, take up your options with an insurer such as the Focus Insurance Group. "
Wednesday, July 8, 2015
Many businesses need at least one vehicle ready for select employees to use on official duties. When you buy a small fleet of them, it remains important to have them all under some sort of insurance coverage. An article on DMV.org stresses that insuring the company vehicle requires hefty preparation. A look at various businesses in and around Decatur, GA, will reveal that they have vehicles with wraps identifying their parent firms. It can be, say, a general contractor or even a lock services company. If you only bought one vehicle for your company operations but want to maximize its value for the business, an auto insurance company like the Focus Insurance Group can have the options you need.
Tuesday, June 16, 2015
Sadly though, some ancestral homes are not as well cared for as they should, and are left neglected, and in need of serious repairs. A big storm comes and tears once again at the weakening structure. Should one family wait for the next storm that brings the house down to its knees, along with its precious objects and heirlooms? Sometimes, all that an ancestral house needs is good, proper maintenance and attention, as any house would require, and because of the high value of things contained inside it, it will need a suitable high-value home insurance in Decatur, GA If you have begun to appreciate the sentimental worth of the home that had been passed down to you, you must acknowledge as well its value in the market when you have managed to keep sentiment, structure, and amenities intact and updated. All repairs and restorations should be addressed timely to avoid allowing the deterioration of your high value home.
Monday, June 15, 2015
There are many controllable factors that can affect your auto insurance in Decatur, GA. You can opt for a higher deductible, for instance, to reduce your premium rates. You can also buy car coverage from your home insurer or life insurance provider to get discounted packages. Of course, there’s also the part of the equation where new circumstances would hike up your auto insurance rates; one of which is adding a teenager to the policy. Some insurers would even track this development, and know when your child is old enough to drive. This prompts your insurer to automatically add the child to your account, which would raise the insurance premiums.
Friday, May 15, 2015
It seems like every aspect of your life has to be insured nowadays, including your home, health, property, pet, and even travel. However, various insurance policies can be quite overwhelming, particularly for first-time payers. Other than health and life insurance, home insurance is also crucial since most valuable items and property of an individual are commonly located inside it. According to the Insurance Information Institute (III), a homeowner’s insurance policy covers four essential types: the structure of your house, all of your personal belongings, additional living expenses (ALE) and liability protection. Most insurance policies exclude earthquake, flood, and depreciation because these are already part of another insurance application.
Thursday, May 14, 2015
When talking about auto insurance, most states would not necessarily require car owners to have one. When it comes to Georgia, however, their case becomes unique because the state does require auto insurance for Decatur, GA vehicle owners. Specifically, liability insurance is needed to help cover for any injuries or damages the owner may have caused in a car accident. In addition to that, proof of the insurance is needed when registering a car. Generally speaking, most car owners would need a minimum amount of liability coverage and personal injury protection coverage. As mentioned earlier, liability covers for damage done to other people, objects, and cars as caused by the owner’s car. On the other hand, personal injury protection, or PIP, covers medical expenses and lost wages, but the latter is only present in some cases.
Thursday, April 2, 2015
Billionaire Yuri Milner is one of a select few who call themselves owners of what’s considered to be real estate’s elite: a $100 million home. His 25,000 square-foot Silicon Valley abode once broke the record for the highest-priced single-family home sale in the U.S., and believe it or not, Milner’s residence isn’t the only one. A hilltop estate in Woodside, California once fetched for a staggering $117.5 million, along with financier Gary Winnick’s Casa Encantada Bel Air mansion which reportedly cost a whopping $225 million. There is a grain of truth, however, to be taken with such real estate purchases: ultra-high-end homes like Milner’s can’t be all yours for the asking price alone.
Wednesday, April 1, 2015
Know the term “one size fits all” in fashion? Well, that doesn’t ring true for car insurance, period. A reliable auto insurance for Decatur, GA car owners should really be a no-brainer, but the complex process of selecting a good coverage still manages to confuse many owners, especially inexperienced ones. When it comes to choosing a car insurance policy, you should exert a significant amount of effort in learning and understanding the details (particularly if you’re not familiar with the trend in GA), and you should be patient to avoid ending up over- or underinsured.
Sunday, March 8, 2015
In times of natural disasters, Decatur residents will naturally seek protection in their own homes. One’s own house serve as the first line of defense against calamities, therefore home owners must be prepared to expect the worst in the aftermath of such tragedies. Policy insurance in Decatur, GA homes would definitely come in handy in covering the costs of property damage caused by a calamity.
Friday, March 6, 2015
There is a surprising number of myths about automobile insurance. How it came into popular circulation is anybody’s guess, but these beliefs may cause car owners to become complacent and choose a plan based on unverified information. It is vital for auto policy holders to debunk these myths and figure out the facts and legalities. Decatur, GA auto insurance experts can help set the story straight.
Saturday, February 14, 2015
People who have somehow achieved a great deal of financial security through their hard work may have ideas about spending their money on a house that looks like it was featured in MTV Cribs. The massive investment such properties entail requires ample insurance not only for the house itself but also for the home’s contents and for various other issues. Writer Cassie Damewood says as much about a number of celebrity homes, in an article for entertainment site The Richest. These celebrities had to spend a princely sum to insure their properties and anything within them.
Thursday, February 12, 2015
Returning to your parked car and seeing key streaks and graffiti all over it can be one of the most infuriating experiences of your life as a car owner. Naturally, you’d call the police and have the car repaired. If you’ve had the good sense to insure your vehicle, you can file a claim. If not, then you need to get one, now. An About.com article states that vandalism is a challenging insurance claim to file – but yes, if you have a comprehensive auto insurance coverage, vandalism is part of it. Aside from graffiti and car keying, broken windows and smashed headlights/side mirrors are among the common acts of vandalism.
Friday, January 9, 2015
Your application for insurance may also be affected by your insurance score. This is separate from your credit score, although credit companies and insurers will tell you that your insurance score is based on data from your credit report. Your insurance score reflects insurers’ projection of your likelihood to file for a claim. The higher your insurance score, the less likely you are to file a claim, and the lower your premium is expected to be. All these factors show just how difficult it could get to find the right policy for your needs, and how important it is to work with a Decatur, GA insurance company like Focus Insurance Group, which prides itself in having a friendly staff who can patiently guide their clients in making the right insurance policy choice.
Wednesday, January 7, 2015
Business auto insurance still holds a number of unique features such as employer protection. In the event of an accident, the employer could be held accountable for the employee’s mistakes. While the employee is covered by his personal auto insurance, the employer isn’t. In the worst-case scenario, the business may end up billing its own employee for the damages. In this regard, Decatur, GA auto insurance companies like Focus Insurance Group recommend getting business auto insurance for their fleet. Assuming the employee at fault carries personal auto insurance, the employee’s and the business’ policies can protect both from damages.