How much does homeowner’s insurance cover in the instance of natural disaster?

There is nothing worse than having your Monroe, GA home swept away by a natural disaster only to learn that your homeowner’s insurance policy does not cover the event. How are you supposed to rebuild from ground zero with no financial assistance coming from the entity that you’ve paid thousands to provide assurance in instances such as these? An agent from Bryant Insurance can explain the tenets of your current policy and offer suggestions for future plans before tragedy strikes. 

A standard homeowner’s insurance policy usually does not cover natural disasters.

You generally are on your own when an earthquake or hurricane hits and your home is destroyed. Such is especially the case when you reside in a high-risk area where severe storms or earthquakes are second-nature. You do yourself an injustice to not seek out a supplemental policy that goes along with your standard homeowner’s insurance plan in these instances. 

Some fires caused by nature may be included in your standard homeowner’s insurance plan.

There are times when you do not need to purchase a supplement just to cover natural disasters. Such is sometimes the case with brush fires. A standard homeowner’s insurance policy may provide enough coverage for you to rebuild your home if it is destroyed by a non-arson related fire. You may, however, have to pay a higher premium if you reside in an area classified as high-risk for brush fires. 

You should not take chances when it comes to your home and personal possessions in Monroe, GA. Accidents happen far too quickly for you to wait until the last minute to prepare for them. Call an agent at Bryant Insurance today and let them inform you on what a standard homeowner’s insurance policy entails!

Will my renters insurance cover the cash value or replacement cost of my items?

There is no law requiring renters insurance, but it offers excellent value for its price. Most people are pleasantly surprised to find out how little it can cost to purchase a renters insurance policy, and the agents at Bryant Insurance can help you explore the many options you have when protecting your property in Bethlehem or Monroe, GA.

When evaluating your options, you need to consider whether you are going to base your coverage on the replacement cost value of your items or the actual cost value. The amount of your premium, or monthly payment, will be based on which you choose.

The replacement value of an item is how much you would have to spend out of pocket to replace one of your items at its current market value. In other words, this policy covers the cost of actually replacing your lost or damaged items. If there is not an exact match on the market, your insurance company will offer a replacement of the closest model to it. This kind of policy is more expensive and is not as common.

If you choose to purchase a renters insurance policy which covers the actual cash value, your insurance company will only pay your claim for how much your item is worth at the time you file the claim. That means that you need to take into account the amount of wear on the item and how much your property has depreciated over time.

If you are renting in Bethlehem or Monroe, GA and would like to discuss your choice, or if you have any questions about renters insurance, please feel free to call Bryant Insurance today.

What is the difference between an old car, a vintage car, an antique car, and a classic collectible car?

The history of the automobile began in 1768. During that year, inventor Nicolas Joseph Cugnot created the first steam-powered “horseless carriage.” After that, it took more than one hundred years for the first gas-powered car to be invented by Karl Benz in 1886.

While there are no hard rules about the description of older vehicles, usually a classic car is more than 20 years old. An antique vehicle is usually over 45 years old. A vintage car is usually one that was made during the 1920s and 1930s. The moniker of vintage cars came about from the mass production of vehicles made possible by Henry Ford during 1919 to 1930, with the Model T and the Model A. Ford’s assembly line production techniques started with the Model T. The Model T first sold in 1908 for $850. Because of Ford’s production efficiency, in 1925 the Model T sold for $300. Over 16 million Model T Fords were sold. In 1927, the Model A was released. By 1932, Ford had sold over 4 million Model A vehicles.

Some cars that are over 45 years old are considered classic cars, not antique ones, such as the earliest versions of the Camaro that are 50 years old. A classic car is an old car that has some significant characteristics that make it a “collectible” vehicle. Collectible vehicles have special insurance requirements because usually, their value increases over time. If you have a collectible vehicle, it is a good idea to have an annual insurance review with your agent from Bryant Insurance in Monroe, GA. You may want to get an appraisal to make sure your insurance coverage is adequate.

No matter what category of vehicle you own, it is important to have adequate insurance coverage. The agents at Bryant Insurance, serving the Loganville and Monroe, GA area, can be helpful in deciding what level of insurance is appropriate for vintage, antique, and classic vehicles. Contact us today for your auto insurance needs.

Can You Get an Umbrella Policy Through Your Current Provider?

Insurance is a tricky thing to take care of on your own, and with the help of an agent, anyone can get the policy they need and want. For those that need a bit of extra coverage on their current policies, there is an extra insurance coverage that you can take out that is called an umbrella policy that takes care of extra coverage needs. The real question is can you take out an umbrella policy from your current provider? For those in the Monroe, GA area, the agents with Bryant Insurance can help you find a policy that works for you.

How to get Umbrella Insurance

In most cases, you can buy an umbrella policy from your current provider, but in some cases, they are going to try to encourage you to add more coverage to existing policies. Umbrella policies are best purchased through a third party insurer that deals only in umbrella policies. This is to help prevent any issues when it comes time to cash out on an umbrella policy. For those that need this type of coverage, it is always helpful to get a policy that is going to work no matter when or why you need to call on it.

If you are thinking about taking out an umbrella policy, it is beneficial to talk with an agent about what type of policy you can take out and to work with them to make sure you are getting the coverage that you need and want. For those in the Monroe, GA area, the agents with Bryant Insurance can help you find the right policy for your situation.

How Much Coverage Do I Need for My Home?

Determining which coverage you need to protect your home fully can be a little challenging. Talk to an agent at Bryant Insurance to walk you through the possible scenarios that would require homeowners insurance and how much is suitable for you. A good home insurance should be able to rebuild/repair and re-furnish your home in case a covered risk occurs. That said; depending on the value of your home and belongings, make sure you set achievable policy limits. Here are some of the factors to consider when estimating how much coverage you need in the Monroe, GA area.

The total cost to rebuild your home

In case a covered risk destroys your home to the extent that it requires re-construction, home insurance should be able to rebuild it. When choosing such coverage, be sure to consider the cost of rebuilding the home, your home’s age, the remodels you have done while living there, common local risks, and market fluctuations. You can do some research or work with local experts to get these estimates.

The total cost of temporary living

If a covered risk renders your home uninhabitable, you’ll need temporary residence as your home is repaired or rebuilt. Your coverage should be able to cater for any additional living expenses that you may incur during this time.

How much liability can you face?

Home insurance also protects you against liability charges. Estimating liability costs isn’t straightforward. Consider your net worth and your long-term finances to help you estimate how much liability coverage you require.

The total value of your personal belongings

When severe accidents occur, you may not be financially capable of replacing your personal belongings. Therefore, ensure that your policy can help you get back on your feet by looking into personal property protection. To know how much coverage you need, take inventory and estimates of all your valuables like electronics, furniture, jewelry, appliances, etc.

After finding out what you’re worth, get a quote from Bryant Insurance in Monroe, GA for a cost-effective home insurance policy that will meet your coverage needs.

Will renters insurance cover my possessions if they are stolen from my car?

Renter’s insurance safeguards you against the loss of your personal possessions in your home, including items like clothing, appliances, and furniture. The cost of a renter’s insurance policy is relatively inexpensive because you aren’t paying to insure the building or property. It would be difficult for most people to replace all of their possessions out of pocket in the event of a fire or other occurrence. If you are in Loganville or Monroe, GA and don’t already have a renter’s insurance policy, you can contact our representatives at Bryant Insurance to see if a policy would help meet your current needs.

What if my car was broken into?

But what happens if you left something valuable in your car, and they are stolen while left there? Or what if you are moving your possessions from your old home to a new home, and they are damaged while in transit? Your auto insurance policy is unlikely to have a clause which covers personal property.

Luckily, your items should be protected under your renter’s insurance policy even if the loss occurs somewhere else. Renter’s insurance covers losses that occur off-premises, whether they occurred in your vehicle, in a storage unit, or at another location. However, there may be a limit to how much your policy will pay for losses that do not occur on your premises. You should look at your policy carefully to make sure that the limits meet the needs.

If you are interested in purchasing renters insurance in Loganville or Monroe, GA, or if your current policy is not meeting all your needs, please feel free to call Bryant Insurance today. Our agents are ready to answer your questions and help you get started on a policy.

How To Find Classic Car Insurance

Whether it is dazzling crowds as part of a car show or parked in a garage undergoing some restoration, a classic car is more than just a vehicle; it is your treasure. Because of this, an ordinary car insurance policy won’t suffice.

Protecting your Classic Car in Georgia

If you’re a part of the Monroe, GA community, Bryant Insurance agency can help you get classic car insurance that will help protect your ride.

Your first step in getting classic car insurance is to locate insurance companies in your area that provide coverage for classic cars. A regular insurance company will give you a quote from standard automobile insurance which is probably more expensive. If you can locate a company that provides coverage for classic cars, then you can get better and more accurate rates.

Another thing worth noting about classic car insurance is that some companies allow for flexible coverage which will help to save you some money. With standard policies, you can usually get a discount only if you’re a low mileage driver. With classic car insurance, you can create the policy that’ll fit your needs.

You can also drive down the risk of making a claim for your classic car insurance policy by keeping the vehicle safe at all times. Because classic cars aren’t always seen on the road, there isn’t necessarily a high degree of theft towards them. However, insurance companies will usually award you lower rates if you safeguard your car from theft. You can achieve this by keeping the classic automobile parked in a garage away from public eye. If for some reason you decide to park outside, ensure that you have a wheel lock and an alarm to help protect your car whenever it is unattended for extended time periods.

If you’re living in Bethlehem or Monroe, GA, and need a classic car insurance policy that works for you, try Bryant Insurance. We can help with your insurance needs.

 

Can Umbrella Insurance Help in the Case of a Flood

Umbrella insurance is a funny thing, it can help in a wide range of situations, but there are just as many cases in which it does not do all that much for the policyholder. The key is to find an umbrella policy that is going to help keep you covered in all instances. For those in the Loganville or Monroe, GA area, the agents with Bryant Insurance can help you determine what sort of umbrella policy is going to work best for you.

Just like with standard insurance, a flood is not something that is often covered by umbrella policies unless explicitly stated. If you have a blanket policy that covers your car and your home, odds are unless you specifically mention flood or unless you take out a policy that is specifically geared toward flood, this type of coverage is not going to pay out. For those that live in flood-prone areas and feel that they are at risk of dealing with a flood, odds are you should work on taking out a specific policy that is made for floods.

It is hit or miss as to whether or not an umbrella policy is going to cover you, it is always easier to get an insurance company to pay out on a flood specific coverage than it is to get them to pay out on a blanket policy. For those that want to be covered for flood, a supplemental policy that is made to tack onto your home insurance is going to be far more comprehensive and far more beneficial than a policy that may or may not help in times of great need.

For those in the Loganville or Monroe, GA area, the agents with Bryant Insurance can help you find the policy that works for you.  

How to Keep Your Driveway From Becoming a Slipping or Tripping Hazard

Your home insurance provides you with coverage if someone were to slip and fall or trip and fall on your property. However, it is best that you properly maintain your surfaces to prevent someone from slipping or tripping in the first place. Here are a few tips from Bryant Insurance, serving the greater Monroe, GA area, on how to keep your driveway from becoming a slipping or tripping hazard. 

Fix Any Cracks

If there are any cracks in your concrete or asphalt driveway, take the time to have them filled. Cracks can grow and become uneven if they are not tended to. This can become a tripping hazard. Properly maintaining the surface helps to prevent trips and falls, while also extending the lifespan of your driveway. 

Put Down Salt to Melt Ice

When it is freezing outside, put down salt to help melt ice on your driveway. An icy driveway is a huge slip and fall hazard. Salting the driveway helps to melt the ice and adds traction to the surface, minimizing the risk of someone slipping and falling. 

Clean Mildew From the Surface

The last tip for keeping your driveway from becoming a slipping hazard is to clean any mildew from your concrete surface as soon as it is noticed. Mildew can grow quickly and will become slippery when wet. If someone steps on it, they may fall immediately. Cleaning helps to remove this risk. 

Despite your best efforts, you cannot prevent all accidents around your home. This is why having the right home insurance policy is important. If you are looking for a new policy in the greater Monroe, GA area, contact Bryant Insurance today. We can help ensure you have the right coverage and coverage amounts on your home. 

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.