Over the years, many Blue Ridge, GA residents have contacted us at The Insurance Mart about confusing insurance terms, such as copays. Thankfully, this concept isn’t as hard to understand as you may think, mainly when explained to you by a trusted professional who fully understands it.

What is a Copay?

A copay is a flat fee that you have to pay for certain types of health services. This fee may change depending on your service and your provider. For instance, you may have a $25 copay for all doctor visits and a $30 copay on your medications. This means you have to pay this money upfront, while your insurance company will pay the remaining portion of your bill.

Insurance companies set these up as a cost-sharing technique to help cut back significantly on your bills. For example, you may end up paying less than 10 percent of your doctor visit with a copay. These payments can be adjusted in some ways by increasing your monthly bills or changing your plans – doing so may decrease what you pay.

Is a copay the same thing as coinsurance? No, because a coinsurance cost is indicated by a percentage and not a flat rate. For example, a copay on your medicines would be listed as $25 – meaning you have to pay $25 whenever you get your prescription. But a coinsurance of 20 percent means you’d pay 20 percent of whatever you bill costs: with your insurance company taking up the 80 percent that you do not pay.

Contact Us to Learn More

If you still need help understanding the nature of copays in Blue Ridge, GA, and want to talk to someone you can trust, please reach out to us at The Insurance Mart right away to get the valuable insight you need. We can help you fully understand your copay and do what we can to decrease their costs.

Most people toy with the idea of life insurance but rarely give this important topic the attention it deserves. Think about it for a moment; What would happen if you suddenly fell ill, died, and left a substantial medical bill behind? The chances are that your immediate family would use the small savings in your account to deal with the situation. But beyond this point, your dependents would live a life of financial struggle. 

Our life insurance package at the Insurance Mart solves this dilemma for you. 

Why You Need Life Insurance Urgently

Life is fragile, which makes death an inevitable reality. Unfortunately, there’s never a clear plan for most people on how their dependence can manage life when they are no longer in the picture. Here’s what having life insurance means for you and your loved ones. 

Your Dependent’s Life Must Continue 

If you are a breadwinner, the eventuality of death can destabilize your keen’s life in a big way. Think about your young children and their future. Consider the burden you might pass to your wife when death snatches their only wage earner. The good news is that our life insurance coverage at The Insurance Mart ensures that your dependent’s life doesn’t stop. Your lifetime of savings becomes a financial pillar for them.  

Any Underlying Debts Will Need Clearance 

Most of us make plans with the hope of a long life. Whether it’s a mortgage for your house in Blue Ridge GA, or a car loan, unexpected death can put your immediate family in trouble. However, if you have life insurance, the coverage comes in handy after death. This insurance plan will help your family settle any underlying debts before the creditors come knocking. 

Live through Life with Peace of Mind 

Everyone reflects on the future and its prospects. If you don’t have a financial plan in place, the fear of the unknown can overwhelm you when such thoughts crop up. People who have life insurance live through life with a clear conscience. The assurance that even in death, all will be well is fulfilling. 

Build Your Ark Today

It’s essential to have something your family can fall back to when the storms of death come knocking. Wise people consider life insurance to be an ark they build in their lifetime for the sake of their dependents. With our life insurance package at The Insurance Mart in Blue Ridge, GA, residents can now enjoy reliable insurance coverage. Get in touch with our agents for the best insurance solutions.

Owning real estate can be a great way to build long-term wealth. While people all over the Blue Ridge GA area should consider buying their primary residence, getting another home can also be a good option. With a second property, you could even earn income through rent and future price appreciation. If you do own a second property, it would be wise to get a secondary dwelling & rental insurance policy.

Liability Coverage

A reason that you will want to get a secondary dwelling and rental insurance plan is that it will offer you valuable liability protection. If you own a second property that you lease out temporarily or permanently, you are going to take on the risk that someone could get hurt while onsite. This could cause a liability claim. When you get proper insurance coverage, it will ensure you have coverage to mitigate this risk. 

Protects Asset

You will also want to get a secondary dwelling & rental insurance plan to protect the asset. If you have a secondary asset, it would have taken a big investment to acquire. The best way that this asset can be protected is by getting a secondary dwelling & rental insurance plan. This can help to ensure you are able to repair it if there is damage that needs to be fixed. 

If you are looking for a secondary dwelling & rental insurance policy in or around Blue Ridge, GA, calling the Insurance Mart would be a good idea. The team with The Insurance Mart understands the value that comes with owning a secondary property. They also understand the value that comes with having proper insurance. The team can help you build and choose a secondary dwelling policy that provides the right coverage for your situation. 

Owning a recreational asset in the Blue Ridge, GA area is a great option for anyone. Those that own one of these assets in this area of Georgia will be able to enjoy all of the local parks and outdoor amenities. While these assets are meant to be fun to use, they are also important assets that need to be insured the right way. There are a few situations when getting a recreational insurance policy is a good idea. 

Those That Want to Protect Asset

One situation when someone should get a recreational insurance policy is when they want to protect their assets. Purchasing any type of recreational toy or vehicle comes with a big purchase. When you get insurance for this vehicle, you can increase the chance that you will enjoy the asset for a long time. With a full recreational insurance plan, you will get protection to replace your asset if it is stolen, damaged or you incur another type of loss.

Those That Want Liability Coverage

You are also going to want to have a recreational insurance policy to ensure that you are covered for liability risk. The risk of liability continues to exist for anyone that uses a recreational vehicle or toy. If you cause any type of accident, you will have to cover the damages. With a recreational insurance policy, you are going to have the coverage necessary to offset this risk.

Choosing a recreational insurance policy is a big decision. As you are looking for coverage in the Blue Ridge, GA area, it would be a good idea to call The Insurance Mart. When you are working with The Insurance Mart you are going to receive the guidance that is needed to pick a policy that is right for your situation. This can help to ensure that you are covered as well as possible. 

Based in Blue Ridge, GA, The Insurance Mart assists the local community by offering multiple types of insurance coverage to residents. For over 40 years, we have helped our clients find the policies they need to live comfortable lives. As an independent agency, we have established successful partnerships with several insurance carriers in the South.

Commercial Insurance Myths

Commercial insurance allows you to protect your most valuable investment. The policy provides a safety net as you deal with some of the challenges regarding operating a business in the Blue Ridge, GA area. Commercial insurance covers any damages to your equipment. Liability coverage protects your business if someone gets injured while they are on your property or if faulty equipment causes damage. While you are trying to figure out which policy is the right fit for your needs, avoid some of these commercial insurance myths.

I Have A Small Business So Coverage Isn’t Necessary

This is a terrible mistake to make. Accidents can happen at any time. Commercial insurance will cover you if an unexpected situation arises. If your equipment malfunctions or one of your employees gets injured, these are potentially huge losses that you may not be able to recover from without a commercial insurance policy.

Cyber Attacks Aren’t A Threat

Many businesses rely on technology to generate new leads. However, recent technological advancements have increased the likelihood of a cyberattack. Even if you have a small business, you are still a target, as hackers may feel that you are more vulnerable to attack. Commercial insurance will protect you.

Workers Compensation Isn’t Necessary

You may feel that worker’s compensation isn’t necessary because your business isn’t physically demanding. Accidents can happen regardless of the profession. Worker’s compensation allows you to protect your business.

The Insurance Mart Will Assist You

Visit our website to learn more information about commercial insurance.

Health insurance is an essential product to have in Blue Ridge, GA. It’s important that you’re able to cover the costs of health care you need if you become ill. The Insurance Mart can help you with your health insurance needs.

The following are three things to remember when you purchase health insurance in Georgia. 

Some health insurance policies limit you to a certain network of doctors.

If you enroll in a plan involving a network like an HMO or a PPO, you will probably be limited to a certain network of health care providers. It’s important to evaluate this network and make sure there is a health care provider in it that is easily accessible to you and that offers the health care treatments you may need in the future. 

You’ll have to pay your deductible before your insurance policy kicks in.

It’s important to pay attention to the deductible amounts on your policy. You’re responsible for paying the deductible amount in many situations before your health insurance will take over to cover costs.

Therefore, your deductible amounts need to be low enough that you can afford to pay them if you get sick. 

Open enrollment for health insurance coverage runs between November and December each year.

Providers of health insurance generally adhere to the open enrollment period. Enrolling in a health insurance plan during this period makes it easier for you to get a lower cost policy thanks to government subsidies. 

The open enrollment period generally extends from the beginning of November until the beginning of December each year. It’s possible to purchase health insurance during other periods of the year, but enrolling in a plan during this period is the simplest and most cost-effective way to get insured. 

Find the health insurance solution for yourself and your family with the help of The Insurance Mart. We offer assistance to families in Blue Ridge, GA looking for health insurance solutions. 

Life insurance is how you offer protection to your loved ones if you pass away. The money from a life insurance policy can make a difference in what their lives will be like going forward. You want to make sure that nothing changes financially for them if you are no longer with them. Talking to the experienced agents at The Insurance Mart in Blue Ridge, GA can help you to decide how much life insurance is enough. 

Life insurance is not something that needs to be purchased all at once however when you are young and healthy the rates will be much more reasonable. You will also likely have insurance provided by your employer but while that adds to your safety net, it ends with your employment or you the rate to continue it may be higher than it needs to be. 

Determining how much life insurance is enough depends on a few factors. 

• What is your age?
• Who is dependent on you? 
• How much debt do you have? 
• Are your final expenses taken care of? 

If you are young and healthy and have no dependents, you won’t need to carry a lot of life insurance. However, since term insurance is good for a term of up to 30 years, it is a good time to purchase life insurance with a view to the future. 

Once you have dependents, its time to make sure that you have the recommended amount of coverage. Experts suggest seven to ten times your annual income in life insurance. If you have young children, this is not as much coverage as it sounds like and you may want to consider more. 

Deciding how much life insurance depends on your lifestyle and the needs of your survivors. Talking to a trusted independent insurance agent like The Insurance Mart in Blue Ridge, GA is a good way to start. Give our office a call to set up an appointment for a no-obligation quote. 

Blue Ridge, GA is a remarkable area that attracts people from all over the region to its mountain views and literal blue ridge peaks. The area has much to boast and many people have their second home or rental property in the area because tourism is booming year-round. The Insurance Mart serves the community and the surrounding areas with quality comprehensive secondary dwelling or rental insurance to protect your investment. Here are a few common questions about this type of coverage. 

FAQs About Secondary Dwelling or Rental Insurance:

• Do I have to have additional insurance if I rent out my second home to visitors?  No, legally you do not have to carry any type of home insurance in the state of Georgia. If you have a mortgage there are likely insurance requirements to be met though. 
• How does rental insurance protect my renters and me? Your home can be an asset or a liability. If something goes wrong in your main dwelling then you have to be accountable for yourself and start from scratch if you do not have insurance. When you are renting your place out and something goes wrong you may find yourself in worse financial trouble because of lawsuits. Your secondary dwelling could put your main home at risk if someone is hurt on the property. Having insurance protects you and your renters so you can rest easy at night. 
• What is covered in secondary dwelling insurance? Each policy is different but secondary dwelling insurance is much like regular home insurance except some additions may be added to take into account guests. Remember that flood insurance is an add on and typically not part of any home insurance policy. 

If you have a secondary dwelling in or around scenic Blue Ridge, GA, give us a call at The Insurance Mart to discuss your secondary dwelling and rental insurance options. 

When you are in the Blue Ridge, GA area, there will be plenty of great opportunities to spend outside. Due to this, getting a recreational toy could be a great personal investment. When you are looking to get a recreational toy, it is also important that you consider all of your insurance needs. There are several benefits that come when you get a recreational insurance policy.

Protection for Liability

One of the benefits that come when you get a recreational insurance policy is you will receive protection for liability. Whenever you use your recreational toy, there is always going to be a risk that you could cause an accident. If this happens, you will need to pay for damages. When you get an insurance policy in place, you will receive protection against your liability risk to ensure you are covered for damages you cause.

Protection for Recreational Toy

While a recreational toy can provide you with a lot of fun experiences, it is also an important asset that you need to keep covered by insurance. When you get a full insurance policy, you are also going to receive protection to repair or replace your toy. This will prove to be very helpful in the event that your recreational toy is damaged in an accident or stolen. 

If you are an owner of a recreational toy in the Blue Ridge, GA area, you should call the team at The Insurance Mart to discuss your insurance needs. It is clearly very beneficial for someone to get insurance for their recreational toys. The team at The Insurance Mart can help you to better determine what your insurance needs are. Based on this assessment, they can help you to choose a policy that offers the protection you need. 

Your business is, in many ways, your life. You likely spend more time building up your business, connecting with clients, and looking for ways to help it grow than just about anything else. Because not only you but your employees rely on it for the income you need to do what you can to protect it. This includes investing in commercial insurance. There are all kinds of commercial insurance options available to you, but what exactly is commercial insurance? Here at The Insurance Mart, it is our goal to do what we can to help educate you on all things insurance, including commercial insurance. So, if you live around Blue Bridge, GA and run your own business, here is what you need to know about what commercial insurance is. 

What Is Commercial Insurance?

Commercial insurance is designed to protect your business in every form. There is commercial insurance for your property and your vehicles. There is insurance to protect the goods you’ve produced, the stock you have on hand, and even to protect payroll if the business has to shut down for any period of time. 

Protect Your Business With Commercial Insurance

While you can do your very best to forecast the future, you can’t predict it. Because of this, you need to do what you can to protect your business. One of the best ways to do this is through commercial insurance. There is no limit to the kinds of commercial insurance options out there, which can make it a challenge to select what is perfect for you. So instead of guessing what might work it is a good idea to give our staff here at The Insurance Mart a call. We proudly serve greater Blue Bridge, GA, so if you’re ready and want to learn more, give us a call today.