Month: December 2014

How is RV Insurance Different from Auto Insurance in Canton, GA ?

Posted on by AgentInsure

When you are looking for RV coverage in Canton, GA, you must consider the possibility that your needs will differ significantly for an RV when compared to a car. The reason is that an RV has different needs and more comprehensive risks that are not necessarily related to the use of the asset as a vehicle.

Vehicle Coverage

In general, cars and RVs will have similar needs when it relates to the use of the asset as a vehicle. An RV will need liability protection and basic coverage for common risks associated with driving. It may also be useful to purchase a collision policy to protect against crashes.

The differences primarily relate to the size of the vehicle and the possible risks that are associated with the size. An RV may need more liability protection when compared to other vehicles due to the risk of severe damage if you cause an accident.

Additional Coverage

Unlike a car, a RV may be used as a temporary or permanent home. An auto policy will have gaps in the coverage because the concerns of a homeowner are very different from the concerns of a car. When you invite guests into your RV, you want the liability protection to ensure that you can handle any accidents that arise. The same is true if personal items are stolen from your RV because it is more likely to have expensive items.

A RV is not the same as a car. You have more comprehensive needs, particularly in relation to a camping trip or staying in the vehicle for any length of time. To learn more about protecting your RV or finding the most appropriate RV coverage, contact us to talk to an agent today.

Does Homeowners Insurance Cover Sinkhole Damage in GA?

Posted on by AgentInsure

As a homeowner, you may have several concerns when it relates to the damages your property may face. Your home insurance should reflect your concerns in Woodstock, GA, which means that you will want to purchase a plan that addresses every concern that may arise. Although sinkholes can happen at any time, many home insurance policies will not offer coverage in the basic plan.

Risk of Sinkholes

Although a sinkhole can occur in any location and at any time, Georgia is not considered a high-risk state. As a result, it may be possible to add the coverage to your homeowner’s plan without spending a small fortune for the protection.

The risk of sinkholes can vary based on the location. Usually, it will occur in areas that have a large amount of ground water since the water below the surface of the ground can erode the rocks and dirt beneath the house.

Getting the Coverage

In most cases, a homeowner’s policy will not include coverage for sinkholes or damages that are related to sinkholes. If you are worried that there may be a risk, then you can add to the basic policy that you have purchased. Alternatively, you can purchase a separate policy to address the issue of sinkholes.

Adding the coverage to your plan will ensure that you are protected, even if you do not have high risk of accidents that are related to sinkholes.

There are several plans that address your needs as a homeowner, but most basic policies will not include sinkholes without adding to the basic plan. If you are concerned about the risk, you should read your policy and purchase additional protection if it is necessary. To learn more about protecting your home, contact us to talk to an agent today.