Commerce Insurance Agency is here for the Commerce, GA community. If you have questions about the protection that your homeowner’s policy provides, we are here to help. Give us a call or come by our office today to learn more.
Protect your home from tree damage with proper maintenance practices
If your home is damaged by a tree, the cause of the incident can determine if the damage is covered by your homeowner’s policy. When it comes to tree damage, there are some instances that are typically covered and some that usually aren’t covered.
For example, if lightning strikes a tree on your property and it falls and causes damage to your home, the damage will likely be covered. But, if the trees on your property aren’t properly maintained and a branch falls due to neglect and damages your home, it will be highly unlikely that your homeowner’s policy will cover that damage. And, if a neighbor’s tree falls onto your property, causing damage, your insurance carrier probably won’t cover the damage but will pursue coverage from your neighbor’s insurance company.
Properly maintaining all of the trees on your property can help to ensure that any damage that they may cause due to unforeseen circumstances will be covered. No one wants to have to come out of pocket to pay for damage that can be easily avoided. This is especially true of tree damage because proper maintenance can prevent it from happening.
Give us a call today
Commerce, GA area homeowners can rely on the Commerce Insurance Agency team for all of their insurance needs. Give us a call or stop by our office today to learn more about the home insurance policies that are available in our area.
At Commerce Insurance Agency, serving the greater Commerce, GA region, auto insurance is one of the many insurance products that we offer our customers. However, in addition to selling insurance, we also want to help our customers avoid having to use those insurance products. This includes providing tips that can help you avoid an accident.
Here are a few of the different steps you can take in the fall to help prevent winter car accidents:
Check Your Tires
One of the best ways that you can prevent accidents on wet, slippery, or icy roads is to have tires that are in good condition. If the tread on your tires is wearing thin, your tires may not be able to grip the road. Replacing your tires before winter hits is important.
Familiarize Yourself With Local Roads
Another tip to help keep you safe on the roads is to familiarize yourself with the local roads that you will frequently be traveling on. It gets dark earlier in the winter, so the roads you will travel on may be dark and can get icy. Being familiar with the roads can help prevent an accident.
Consider a Defensive Driving Course
Lastly, consider taking a defensive driving course. This can help teach you how to safely drive on icy or wet roads, and what to do if your car starts to slide or fishtail. This can be vital to preventing an accident from happening.
Get Auto Insurance Today
Unfortunately, you cannot prevent every car accident from happening. You can only minimize the chances of a car accident occurring. Having the right auto insurance coverage helps to cover you if an accident does happen. If you are in the market for a new auto insurance policy, or you are unsure if your existing policy offers you the coverage you need, reach out to Commerce Insurance Agency, serving the greater Commerce, GA area today. Let us help you find the right auto insurance policy.
The younger you are when you invest in life insurance, the better. You’ll be able to lock in better rates as a young healthy person. However, youth and health aren’t the only factors you should consider when it comes to life insurance. Our team at Commerce Insurance Agency knows that life insurance can be confusing to navigate. However, we’re committed to helping Commerce, GA residents explore their options.
What Is Whole Life Insurance?
Whole life insurance lasts a person’s entire life and pays a death benefit when they die. The death benefit is set aside for your beneficiaries once the initial premium is paid. However, a whole life insurance policy also builds cash value as time passes. However, keep in mind that your policy will take a decade to build any significant cash value. If you have the patience to wait for your policy to build in cash value and want to leave your existing family, and perhaps future family money, whole life insurance may be a good choice.
Is Whole Life Insurance Right for You as a Young Person?
Whole life insurance is expensive. Although you have youth and good health on your side, whole life insurance is still expensive. Plus, it takes years for a policy to build cash value. Whole life insurance is a good investment if you can afford to pay the premiums and have the time and patience to wait for the value of your policy to increase. If you’re young, make enough money, and want to leave your family with a nest egg, it may be a good investment.
Contact Us Today
Our team at Commerce Insurance Agency in Commerce, GA would be happy to discuss your life insurance options. Give us a call today.
Residents in the greater Commerce GA area can count on the team at Commerce Insurance Agency for help with all of their insurance needs. Come by our office, or give us a call today to find out more!
Is it time to give your homeowner’s policy a thorough review?
When it comes to protecting your home, few things are more important. A home purchase is commonly the largest investment that a person will make. It only makes sense to make sure that it’s protected!
Many people review their insurance options when first selecting a policy. After that, they simply renew their existing policy year after year without too much thought. Can you relate? If it’s been a while since you have taken a close look at your home insurance policy, now is a great time to do so.
At minimum, having a good review of all of your insurance policies once a year is a great idea. This is especially true with your homeowner’s policy. Home values can fluctuate, especially after a few years. Your belongings may also change. If you purchase high-worth items like art or jewelry, it may be time for a personal articles rider for your policy.
Even in situations where nothing has really changed, knowing what protections your current policy provides will allow you to make adjustments where appropriate. Today is the perfect day to review yours!
Let us give you a hand with all of your insurance needs!
The folks at the Commerce Insurance Agency are dedicated to providing the residents of Commerce GA with the information they need to make informed decisions when it comes to insurance. If you have questions about home insurance, we are here to help! Give us a call or schedule an appointment today!
Understanding what auto insurance coverages are available for you is an excellent way of ensuring that your vehicle is sufficiently insured. Commerce Insurance Agency provides this guide in navigating the common types of auto insurance coverages accessible to residents of Commerce, GA.
Common Types Of Auto Insurance Coverages
1. Liability Insurance
At least some minimal auto liability insurance is required by law in 48 states in the US. In Georgia, the minimal car insurance liability for bodily injury is $25,000 per individual and $50,000 per incident. On the other hand, the minimal property damage liability is $25,000 per accident. Bodily injury liability covers costs related to injury to other people, while property damage liability covers damage to other people’s property.
2. Collision Coverage
Collision coverage takes care of repairing or replacing your car after an accident. Although collision coverage is optional, at Commerce Insurance Agency, we recommend that you get it. This is because, depending on the accident’s severity, paying for your vehicle’s repair can be very costly. Additionally, if your car is totaled, purchasing another car out of pocket can be financially detrimental to you.
3. Comprehensive Coverage
Comprehensive coverage covers your automobile from damage as a result of theft, fire, vandalism, and hail. This auto coverage will repair or replace your car up to its actual cash value. Since cars depreciate over time, this means that the compensation you will get in the case of replacement will reflect the car’s depreciation.
4. Uninsured and Underinsured Motorist Coverage
Getting hit by an uninsured or underinsured driver is not unlikely as you might imagine. The outcome of such an event can be very unfortunate for you because the other driver might to be able to cater to your medical needs sufficiently. The underinsured and uninsured driver coverage will cover your medical bills after such an accident.
Contact Us Today
Are you looking for unbeatable auto insurance deals in Commerce, GA? Call Commerce Insurance Agency today.
Residents in the Commerce, GA area will always have different personal insurance needs. A type of coverage all people here should take seriously is the need and requirement to get a life insurance plan. There are various forms of benefits and value that come when you do get a proper life insurance policy, which can make it a great form of coverage and investment.
Benefits of Life Insurance
Provide Financial Protection for Dependents
A common reason that many people will get a life insurance plan is so they can provide financial protection for their dependents. When there are people that rely on you and your income, it is important you provide them with support if you were to pass away unexpectedly. The use of a life insurance plan is a great way to do this as it will offer an insurance benefit that you can build and curtail to meet your needs.
Conservative Investment for Personal Portfolio
While life insurance is a great way to offer support and protection for your dependents, it is also a good investment option. One popular type of life insurance is whole life coverage. If you get a whole life plan, a portion of your payments will build in an account with interest. This can make it a conservative addition to any personal investment plan as you prepare for the future.
Give Us A Call
There are different benefits that come with having a life insurance policy in place. As you are looking to get the right insurance in the Commerce, GA area, it would be a good idea for you to speak with the Commerce Insurance Agency. The professionals with the Commerce Insurance Agency will give you the right guidance that you need to select a plan that will provide ideal protection and meet your needs.
If you are going to be out riding around on a motorcycle, you are going to need some sort of insurance for it. That being said, it can be quite complicated, if you don’t know what you are looking for. Commerce Insurance Agency in Commerce, GA put together a list of the types of motorcycle insurance that you may want to look into.
Types of Motorcycle Insurance
Liability insurance will cover the medical bills of anyone who is injured while you are out riding. It will also cover the expenses if you damage someone’s property. If you are sued over the accident, your liability insurance will help to pay for your legal fees. This insurance is required before you buy a bike.
You may also want to look into collision coverage. This will pay for damage that occurs to another vehicle while you are on your bike. It will also cover the repairs on your own motorcycle.
If you have a really nice bike, you may want to get comprehensive coverage. This will cover damage that occurs when you are not on your bike, such as fire, theft, and storm damage.
Most companies also recommend uninsured and underinsured motorist coverage. This will protect you if you are in an accident with someone who doesn’t have enough insurance (or any at all) to cover your expenses.
If you have customized your bike, you may want customized motorcycle parts coverage. It will pay more to fix your bike so that it can look like it did prior to the accident.
Since insurance is so complicated, it is a good idea to talk to a professional. Don’t hesitate to contact us at Commerce Insurance Agency in Commerce, GA.
When you invest in insurance, you always want it to come to your rescue in your hour of need. But how can this happen if you have underpaid? Underinsurance is common in America, and most policyholders learn the hard way when filing for a claim. But should this be the case? Absolutely not. Buy the right amount of insurance, and it will serve you optimally when you need it to.
Are you purchasing car insurance in Commerce, GA? Do you know the amount of insurance sufficient for your needs? If not, please hang on as Commerce Insurance Agency guides the amount of car insurance you need.
Meet the state requirements
Like most states, Georgia requires motorists to purchase car insurance to drive on the road legally. All motorists must invest in bodily injury and property damage liability coverage of a combined total of $100,000. You might think that this amount is huge, but it is likely to fall short when faced with significant liability claims. As such, you need to consider higher limits.
How much liability coverage do I need?
We usually advise motorists to carry liability coverage of 100/300/100. However, if your assets and earnings exceed these amounts, we typically recommend you to invest in umbrella insurance for extra liability coverage.
How much comprehensive or collision coverage do I need?
As a rule of thumb, purchase coverage adequate to replace your vehicle without significant out-of-pocket expenses. Only target to pay deductibles as the only out-of-pocket expense when your vehicle is totaled or stolen. Consider “zero depreciation coverage” if you don’t want to get compensation less the depreciation factor.
The above is just a guide to the amount of car insurance needed. If you need more information in Commerce, GA, be sure to get in touch with Commerce Insurance Agency for tailor-made advice.
If you have a young family in the greater Commerce, GA area, you can rely on the Commerce Insurance Agency for all of your insurance needs. Our team is here to help you protect your home, auto, and your life.
Life insurance for young families
When you have a young family, it’s important to plan for the future. Part of that planning should include a life insurance policy to protect your children in the event of the untimely death of yourself or your spouse.
In addition to providing the financial means for burial and other end-of-life expenses, an appropriate life insurance policy can also help in many other ways.
The death of a parent can be difficult at any age, but it may be even tougher for young children. In addition to losing a parent, there may be financial implications that come with a loss of salary. For example, if the main wage earner dies it may significantly alter the financial status of the family.
With a life insurance policy in place, you can ensure that your survivors will have the means to pick up the pieces without having to struggle with finances. Having to move out of the family home, or change schools can create an even heavier burden for children already dealing with the loss of a parent.
Be sure to protect your family, no matter what the future may hold, with adequate life insurance.
Is it time to protect your family with life insurance?
The Commerce Insurance Agency is here to provide our friends and neighbors in the Commerce, GA area with the insurance they need. If you would like to find out more about the life insurance options available in our area, give us a call today!
The team at Commerce Insurance Agency wants to help you protect your home. If you are planning a major renovation or remodel of your house, give us a call today. We are proud to serve the insurance needs of the residents in Commerce, GA.
Planning an addition? Give us a call
Your house is most likely the largest investment that you will make in your lifetime and it makes sense to protect it. If you are planning an addition to your home or will be undertaking a major renovation project, you will likely need to make some adjustments to your insurance policy.
Additions and renovations can significantly increase the value of your home. You will want to make sure that your insurance policy keeps up with that increase. This is especially true if you are updating your kitchen or bathrooms, as those improvements can have a marked impact on the value of your home.
In fact, we advise all of our clients to review their insurance policies at least annually as home values can change. You may also want to have your agent review your liability coverage before beginning a large project at your house. You will want to protect yourself from all eventualities that could cause damage while the project is underway.
Let us help you keep your home protected. Homes are sanctuaries that have a huge impact on our quality of life.
Count on us for all of your insurance needs!
Commerce Insurance Agency is here to help the residents in our greater Commerce, GA area. If you want to make sure that your homeowner’s policy is keeping pace with the value of your house, schedule a policy review today. We are here for you. Call or stop by today!