Friday, May 15, 2015

Insurance in Decatur, GA: Knowing the Right Coverage for Your Home

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

In the Fast Lane: Some Information on Auto Insurance in Decatur, GA

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.