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.
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.
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.
For most people that live in the Blue Ridge, GA area, owning a car is a necessity. Without a vehicle, it would be hard for you to get around town and complete all of your daily necessities and tasks. When you are going to purchase a car here, it is also important that you get auto insurance for it. There are several reasons why getting auto insurance is a good idea for people in this area of the state.
Insurance is a Legal Requirement
One reason that you should get auto insurance in Georgia is that it is a legal requirement. The state of Georgia is very similar to other states as it requires that all drivers carry liability auto insurance. This form of insurance provides assurances to all other people that you are able to pay for restitution if you cause an accident. Those that do not carry liability auto insurance will be in violation of state law and could be penalized.
Insurance Protects Vehicle
Since owning a car in this state is a necessity for a lot of drivers, you will want to make sure that your vehicle is protected. With a full auto insurance policy, you will receive the protection for your vehicle that you need. This will give you the coverage necessary to repair or replace your car if it is stolen or damaged.
There are many reasons that those in the Blue Ridge, GA area should get an auto insurance policy. As you are looking for a new insurance policy in this area, you should call The Insurance Mart. When you do call the insurance team at The Insurance Mart you will learn more about how insurance can protect you. Based on this guidance, you can choose the right policy for your situation.
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.
Blue Ridge, GA refers to itself as “Georgia’s Coolest town” and no one can question that it is a great place to call home. Sadly, even in the coolest place, things happen that can damage your home. It is not something that anyone likes to think about but it is a reality. Filing a claim is not something anyone looks forward to but there are some things that can make it less of a hassle. A home inventory is one of those things. The Insurance Mart wants to make sure that you understand that they are there for you through all the times of your life.
A home inventory is a record of all of your possessions. In some cases that may be very minimal but more likely, you have lots of things that you own and may only use seasonally or rarely and that you never think about. There are several different ways that you can go about creating an inventory. The more traditional approach is to use paper and pen to write down the items that are in each room. This can be supplemented with photos to add additional verification. Don’t forget closets, the basement, and attic.
If you are able to do the inventory digitally that is another option. No matter which way you opt to create your inventory you need to make it as detailed as possible and also include as much backup info as possible in the form of invoices or receipts. Once your inventory is complete it should be stored in a safe place like a safety deposit box or possibly in the cloud. You want it to be easily accessible if the need arises.
When you are ready to talk about your home insurance, The Insurance Mart in Blue Ridge, GA is there to discuss your needs with you. Stop by the office or give us a call for a no-obligation quote.