How do pets impact my renters insurance?

Countless studies have been conducted proving that pets improve the quality of life. Pets are part of our family and we share our lives with them. It also holds true that we also share our living space. 

If you rent your home and have renters insurance, your pet could potentially have an impact on your current policy and what is covered. To better understand the complications pets may have on renters insurance, the experts at Bryant Insurance, serving the residents of Monroe, GA, and the surrounding areas, have put together a short description of the ways pets can impact your insurance.

Pets and your Renters Insurance

One of the most common questions asked is if pet damage is covered under renters insurance. The answer is, "no." Because the purpose of renters insurance is to cover accidental damage that is caused by fire or storms, for example, the damage that your pet has caused would be the sole responsibility of the policyholder in most instances. 

What about the damage that your pet may cause to people? 

This is where things can get tricky. While rare, cats can inflict injury on people and most likely this will be covered. Dogs, on the other hand, can be a bit more challenging. Unfortunately, depending on the insurance policy and the type of breed the dog is, the injury may or may not be covered. Certain breeds of dogs can be labeled as more prone to bodily injury than others, and as such, have adjustments within the renter’s insurance policy.

If you need more information about how your dog could be impacting your renters insurance, feel free to reach out to the professionals at Bryant Insurance. Proudly serving Monroe, GA and the surrounding areas, we would be happy to walk you through your current renters insurance policy and examine a list of dog breeds that the restrictions may apply. If you are in need of new renters insurance, we would love to help. We are always taking on new clients and would be honored with the privilege to serve you today. 

How is the Value Determined for Classic Car Insurance?

If you own a classic car that has been restored, you may be looking to purchase classic car insurance in the greater Monroe, GA area. But one of the questions that we at Bryant Insurance are often asked is how the value is determined for these cars. Obviously, you cannot go by Blue Book Value. Here are a couple of the ways that values are determined when obtaining classic car insurance. 

What Similar Cars Have Sold For

One of the elements that are used in valuing classic cars is what similar cars have sold for. As such, the insurance agent will look to see if any classic cars have sold recently that are in the same condition as yours. While a classic car may have sentimental value, it is only worth what someone else will pay for it, and looking at recent sales is a good way to gage that. 

What an Expert Appraises the Car For

Another way the value is determined for classic cars is by using an expert. A classic car appraiser will determine how rare the car is, the condition, and how much money you have put into restoring the car. They can then give the insurance company an estimate as to what the car is worth. The appraiser’s estimate is typically used to value the vehicle. However, classic car prices change often. As such, you should have an appraisal done every five or so years to ensure the value is correct. 

If you have a classic car and are in the market for classic car insurance in the greater Monroe, GA area and around the state of Georgia, call Bryant Insurance. We can help determine fair market value for your classic car and then put together an insurance policy that fully covers your vehicle. Call us now to schedule an appointment to sit down and discuss your insurance needs. 

What Will Umbrella Insurance Cover?

If you’re considering Bryant Insurance for an umbrella plan, you’ll want to have a solid understanding of what an umbrella policy covers.

It’s a common misconception that you can use an umbrella plan as a foundation for your entire insurance package. In fact, it’s more like, as the name implies, a rainy-day policy. It’s supplemental insurance. It does not replace your house, your boat, or your car insurance policies, rather, it offers them backup when they need it. When your auto insurance maxes out, this is when your umbrella policy kicks in.

The major benefit of umbrella insurance is that with one policy, you are essentially buying a considerable boost to most of your existing coverage. No shopping around for better deals on auto, home, and business coverage. You make one purchase, and you have a little something extra to cover everything. If you have to make a major claim on your auto insurance, you’re covered by the same policy that will protect you in the event of a house fire.

An umbrella policy covers all of your basic needs, meaning home, auto, damages, and personal liability. It does not, however, cover you against business liability claims, and this includes a businesses ran out of the garage. You will need an extra policy for that, or a big red "KEEP OUT" sign above your office door, at the very least. Umbrella insurance typically does not cover specialty needs in Monroe, GA, either. If you have an exotic pet or handmade Italian sports car, you’ll need specialty policies for those concerns.

Umbrella is not an all in one solution to your insurance needs, but it’s a great backup plan. Contact the agents at Bryant Insurance in Monroe, GA to learn more about the benefits of umbrella insurance and how a policy can extend your coverage.

Are Damages From Pests Covered by Your Home Insurance Policy?

The agents at Bryant Insurance cater to the insurance needs of the residents in Loganville, Bethlehem, and Monroe, GA as well as the nearby surrounding areas. We want to be an asset to you as you consider which company to assist you with protecting one of your greatest assets – your home. 

It is critical to have a thorough home inspection before you buy your home to ascertain if there has been some damage done by termites or other pests who feed off of the structure of your home. Don’t overlook this important point as you rush to close. Once you have purchased the home you will not be able to go back in time to possibly negotiate a lower price on the home to help in the repair of damage that is there or have the homeowner make necessary repairs prior to purchase. 

As you consider whether or not damages by pests will be covered by your home insurance policy, the answer is contingent upon when the damage was incurred. If the damage was incurred before you purchased the home, it will not be covered by a policy that was not in force at the time of damage. It is important to know that not every insurance company will include this type of coverage in their policies and talking with an agent is important to find out. Exterminators and other experts in the field will have to give an estimate of when the infestation began. This can be determined by the level of damage and the stages of life the pests are currently at upon the inspection.  

Today sounds like the best time to have an agent at Bryant Insurance, located in Monroe, GA, review your current home insurance policy with you. The warmer weather is the time that many critters make their attack on your home. You want to make certain you are covered if damages to the structure of the home occur due to their presence. Reach out to us and we will answer any questions or concerns you may have.

Can a Landlord Require You To Get Renter’s Insurance?

If you are looking to rent a home in the Monroe, GA area, you may notice that some landlords and property management companies state that renter’s insurance is required to obtain a lease with their company. This may leave you wondering if a landlord can legally require you to obtain renter’s insurance. Here is some information Bryant Insurance thinks you should know.

A landlord or property management company can require you to obtain renter’s insurance. However, it must be included in your lease. If a lease is already in place that does not have this requirement, they cannot require it after the fact. Additionally, some companies may require you to obtain renter’s insurance that covers a dog or pet if you are asking for permission to get an animal and keep it on your premises.

If your landlord does not require you to obtain renter’s insurance, it is still a great idea to get it. If something happens to the house, such as a flood or fire, your belongings are not covered under the homeowner’s insurance policy because you are not the homeowner. A renter’s insurance contract will cover all of your belongings in the event of fire, flood, or theft on the property. Getting this type of policy is the best way to ensure your valuables are protected when you are renting a home. Don’t make the mistake of thinking homeowner’s insurance covers your belongings because this is not the case.

Are you interested in obtaining renter’s insurance? Then Bryant Insurance, serving the greater Monroe, GA area would love to help you. Call us today to get a pricing quote or to discuss all of your insurance needs. We look forward to hearing from you.

Does Your Insurance Go Up In Winter States?

If you live in Monroe, GA, you haven’t likely experienced a lot of winter weather. However, if you plan on moving out of the area to a winter state, you could end up paying a little more for your insurance. How? That’s the question that we at Bryant Insurance are here to answer.

Rates Don’t Go Up In Winter States

One thing that is nice for those who live in winter states is that their rates don’t automatically go up just because they live in a state heavily affected by winter. While rates may be slightly higher in general in these states, somebody moving to the area isn’t likely to see a major increase.

The biggest problem of moving to a state with a heavy winter is that you may be unprepared for the weather conditions and suffer from accidents that can increase your insurance investment.

The Risk of Serious Car Damage Could Increase Costs

The biggest effect that winter weather will have on your insurance is to increase your risk of accidents. A vast majority of serious car accidents occur during adverse weather conditions, and if you are new to this kind of weather, you may find yourself getting into serious crashes.

When these crashes occur, your insurance is likely to go up as a way of compensating for the costs. This is especially true if you suffer from excessive numbers of fender benders or require a tow. Currently, only Alabama does not allow cancellation or increase of insurance due to winter weather.

So if you are moving out of Monroe, GA and are worried about how winter weather could affect your insurance, please contact us at Bryant Insurance today. We can help wave your worries and find you fair insurance for your winter driving needs. Give us a call or visit our offices today.

Why Do You Need Homeowner’s Insurance?

Unlike automobiles, you are not required to carry insurance on a home you own outright. If you have a loan on the home, the lender likely requires you to carry home insurance. This may leave you wondering why you even need home insurance if it is not required. Here are a few key reasons why Bryant Insurance in Monroe, GA thinks you should have homeowners insurance.

Protects One of Your Largest Assets

A home is one of the largest assets in a person’s life. If their home were to go up in flames, they may not have the money to simply buy a new one. It would have a major impact on their financial well-being. A home insurance policy covers this asset, protecting your financial future.

Protects the Items Inside Your Home

Your home is not the only item that home insurance protects. It covers all of the items stored inside of your home, including electronics, furniture, clothing, and jewelry. Many people accumulate household goods over the course of their life. If you had nothing and had to start fresh, you would realize how pricey these items would be to replace. You don’t have to worry about that with home insurance.

Covers You Against Lawsuits

The last way home insurance covers you is by protecting you against lawsuits. If someone is injured on your property, they may be able to sue you. These lawsuits can cost thousands of dollars to defend or settle. Insurance covers these costs so you are not out of money in the event something like this happens.

Home insurance helps to financially protect you. If you are looking to buy a new home insurance policy or make changes to an existing one, give Bryant Insurance in Monroe, GA a call. Our friendly and helpful staff can help you find the best policy for your needs and ensure your home and belongings contained inside are fully covered.

What Effect does Moving have on Auto Insurance?

Relocating to another city or state could have an effect on your auto insurance coverage. By discussing relocation plans with a Bryant Insurance agent in Monroe, GA, you can get a better idea of how moving impacts your policy. Here are a few ways moving could alter your current coverage:  

Auto Insurance Requirements

Auto insurance requirements vary from state to state. If you’re planning a move to another state, you should become familiar with their insurance requirements. Some states to include are Florida, Kansas, Massachusetts, and Michigan, among others, are “no-fault” states which require that your insurer pays for medical expenses incurred in an accident, regardless of who is at fault. As Georgia isn’t a no-fault state, moving to a no-fault state would alter your insurance coverage. States also vary in minimum coverage requirements and types of coverage, making it essential that you update your policy accordingly.

Rate Changes According to Location

Moving may alter how much you pay for your auto insurance, depending on your new location. If you move to an area with high accident rates and claims, you may pay more for your coverage.

Changes in Commute

If your move drastically changes your commute, it could alter your auto insurance rates. An increase in driving due to living further away from work could increase your insurance premium. In contrast, a reduction in driving due to a shorter commute could help reduce insurance costs.

Changes in Lifestyle

If a lifestyle change such as marriage or divorce prompted your move, you could save money by updating your policy. Bundling your auto and home insurance together or getting a multi-auto policy with your new spouse could reduce insurance costs.

By working with an experienced agent from Bryant Insurance in Monroe, GA, you can have greater confidence that your auto insurance package meets your specific needs. Visit us or get a quote from our online rating tool for your auto insurance needs.

How to Prevent Big Electric Bills

Do you find that your electric bills are consistently high even in the winter when you are not using the air conditioner? While Monroe, GA does not get as hot in the summer as some places, nor as cold in the winter as other parts of the country, we still experience our fair share of both extremes. The knowledgeable agents at Bryant Insurance recognize that these bills can add up. These tips will help keep your electric bills under control this winter. And some of these can even help all year long.

Tip #1:  Keep your furnace clean.

If you clean your furnace filter every two months, you can increase its efficiency by 50 percent!

Tip #2:  Be mindful of what time each day you run your appliances.

Did you know that electricity rates are often higher at certain times of the day?  Your electricity company clearly lists the rates at each time.  Try to run your dishwasher or do laundry at times when your rates are lower.

Tip #3:  Caulk your windows.

If you feel a draft of cold air seeping through the windows, not only does it make the house colder, it can increase your electric bill because the heater must work harder. Seal the windows with caulk.

Tip #4:  Turn the thermostat down.

While it is important to stay warm in during a Monroe, GA winter, if you can turn your thermostat down just one or two degrees you will save on your next electric bill.

In addition to these tips, there are many other ways you can help reduce the amount of energy that you use in your home. At Bryant Insurance, our experienced agents are here to help. Give us a call for any issues regarding your home.

Homeowners Insurance in Monroe, GA

Homeowners insurance protects a property owner from financial detriment when disaster strikes. The benefits of a homeowners insurance policy protect a property owner from unexpected expenses arising from damage to a home. Repair a building, and replace interior features and personal belongings with homeowners insurance coverage. Homeowners insurance also protects a property owner from guest injury legal liability claims. If a guest sustains an injury at your home during a visit, a homeowners liability insurance policy will pay for subsequent medical bills and even court costs.

Disaster Risk Protection

Damages caused by a natural disaster can drastically reduce the market value of a major investment. A homeowners insurance policy protects a property owner from out-of-pocket expenses associated with repair and replacement costs. Protect your home and your finances with homeowners insurance.

Liability Risk Protection

The cost of property owner liability can be high If a guest slips and falls. Negligence for a guest injury may require payment of medical bills, and sometimes attorney fees. If a guest files a claim, homeowners insurance covers extenuating expenses from guest injury.

Homeowners Insurance Coverage

Comprehensive Coverage – property and liability damages from disaster or other risk event are covered with a comprehensive homeowners insurance policy.

Individual Coverage – debt obligations and outstanding mortgage loans are paid by individual coverage at the time of a serious accident or death of a property owner.

Packaged Indemnity Agreements – insures real property and any personal contents in a disaster or theft damage claim.

Combined Life Coverage – life insurance and homeowners insurance combined in a single policy, covers liability, property damage, and end-of-life hospitalization and benefits to beneficiaries.

To find out about homeowners insurance policy premiums, claims, grace periods, and terms and conditions in Georgia, and obtain a quote, contact Bryant Insurance in Monroe, GA.