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The Sanford Group

10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

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  P.O. Box 374
Ball Ground, GA 30107

The Sanford Group Insurance Blog

Who needs to get commercial insurance in Ball Ground?

In the Ball Ground, GA area, there will continue to be a lot of benefits that come with having commercial insurance coverage. Small businesses can benefit in a number of different ways. There are a few situations when a business owner needs to get this coverage. 

Businesses that Want to Raise Capital

A very common situation when a business will want to have commercial insurance when they want to have capital raised for their company. Taking advantage of outside capital through equity investors or a business loan is necessary to grow in some situations. If you want to raise capital, the investor is going to have insurance requirements that you need to meet. The investor will want you to have commercial insurance as it can protect their investment.

Businesses That Want to Protect Themselves

A business owner will also want to have commercial insurance in order to protect their organization. When investing in commercial insurance, businesses will receive some very valuable coverage including protection for liability risks and to cover their important assets. Ultimately, this insurance coverage will help to protect the organization and can keep it viable during some challenging situations, such as if there is a liability claim against the company or valuable assets are damaged or destroyed due to a fire.

Ball Ground, GA businesses need to make sure that they take their commercial insurance needs seriously. As you are looking for a new policy in this area, it is important to have all of your questions answered. If you are looking for a new policy here, it would be a good idea to call The Sanford Group. If you do call The Sanford Group you can get the support that is needed to choose a proper commercial insurance policy. 

Is term life insurance right for you?

If death and taxes are two certain things in life, then life insurance should be a priority. Even those who do not feel the need to consider end-of-life preparations should consider the financial effects on loved ones when a person dies without coverage. Such is especially true if you are the head of a household in Ball Ground, GA. Your family’s lives may be turned upside down if you do not secure some type of financial stability through a life insurance plan. 

You know that life insurance is an absolute necessity. Is it possible, however, to take advantage of term life insurance instead of purchasing a whole life insurance plan? The agents at The Sanford Group can help answer that question. 

What does term life insurance offer?

A term life insurance plan covers your final expenses up to the term limits that you choose. A good plan typically pays for funeral costs as well as other household bills you would be responsible for as the head of a household. 

A term life insurance policy does not go into effect until the policyholder is deceased. Thus, you cannot borrow against your plan for emergency expenses or take the family on a much-needed vacation. Whole life insurance policies allow for borrowing against the interest while the policyholder is living. Such is the reason they tend to be more popular among those with families. 

Is term life insurance right for you?

A term life insurance policy may be the right choice if you are young and have few assets. Middle-aged adults who are single may also find such an indemnity plan beneficial. 

You may want to weigh your options and compare life insurance types if you have a lot of assets in Ball Ground, GA. Call The Sanford Group today to get a full explanation of what term life insurance offers.

Exploring The Benefits Of Earthquake Insurance

The Sanford Group serves the Ball Ground, GA community, as well as the surrounding areas through people offering multiple types of insurance coverage. We provide individual attention to our clients to help them find policies specifically designed to meet their needs. Providing excellent customer service is a top priority.

Earthquake Insurance

The South is known for its volatile weather. A natural disaster may occur at any moment. While it is unlikely that an earthquake may happen in Ball Ground GA over the next month, it is hard to predict what may happen in the future. Earthquake insurance is something to consider.

Earthquakes have the potential to completely wipe out your residence. Even a small earthquake has the potential to cause serious damage. The policy covers the structure of your home and your belongings if they are damaged by an earthquake. That includes outside structures such as your garage.  You can amend your policy to cover your vehicle if it damaged or possibly totaled due to an earthquake. The policy also protects you as you seek temporary lodging elsewhere while your home is repaired.

Research where the fault lines are located next to your residence. There are a few fault lines in the South that could potentially cause damage to Georgia in the future. While it is unlikely that Ball Ground, GA will ever suffer a major earthquake, even a minor earthquake in the future has the potential to cause serious damage. Earthquake insurance provides you with a safety net against the threat of a potential loss.  

The Sanford Group Will Help You Protect Your Property

To learn more information on earthquake insurance, visit our website today!

Why do you need home insurance in Georgia?

Anyone that is in the Ball Ground, GA area should consider purchasing a home. If you do purchase a home here, you will enjoy the long-term benefits that come along with it. As you are looking for a home, you should also spend time thinking about your insurance needs. There are several reasons that you will need to get home insurance here. 

Insurance Protects Assets

One of the main benefits that will come with getting home insurance is that it can protect your asset. The largest asset that most people will ever own is their home. Due to this, you should always look for ways to protect it. When you get a home insurance policy, it will give you coverage if your home is damaged or destroyed. You can also receive coverage to repair or replace your personal assets.

Insurance is Often Required

Another reason that you are going to need a home insurance policy is that it is often required for people all over the area. When most people purchase a home, they are also going to take out a mortgage. If you do take out a mortgage, you will have specific mortgage requirements that need to be met. Most of the time, a lender will also have you escrow your payments monthly as it will ensure you maintain coverage the whole time.

When you are looking for a new home insurance policy in the Ball Ground, GA area, it would be a good idea for you to call The Sanford Group. The insurance team at The Sanford Group knows how beneficial it can be for you to get proper insurance. They can help by answering all of your questions and giving the guidance needed to choose a new policy. 

Three things to remember when you buy auto insurance in Georgia

You’re making a big decision when you’re selecting an auto insurance policy. We can help you with your auto insurance needs in Ball Ground, GA at The Sanford Group.

The following are three things you’ll want to remember when you buy auto insurance in Georgia.

You may be able to qualify for some discounts.

There are a lot of possible discounts out there for bringing down auto insurance premiums. You might be able to lower your costs by taking advantage of some of these discounts.

There are discounts for those who have taken driver safety classes or for students with high grade point averages. There are also discounts for service members and first responders with some companies.

Make sure you research discounts before you purchase a policy. 

You need to purchase collision coverage for coverage to damage to your own vehicle. 

Buying a basic liability coverage policy is not going to provide you with any coverage whatsoever for your own vehicle. This means that you’ll have to pay out of pocket for damage to your own vehicle unless you add collision coverage to your policy. 

Customer service is important. 

Don’t focus too much on the policy details without considering the company offering the policy. In particular, make sure you’ve evaluated their customer service. 

Customer service is a significant factor when it comes to auto insurance. You may need to call your insurance company if you want to change your policy or file a claim. When this happens, good customer service becomes enormously beneficial. 

Ready to start shopping for your auto insurance policy? If you’re a motorist in Ball Ground, GA looking for car insurance, get in touch with us at The Sanford Group. 

Three questions to ask before you buy a life insurance policy in Georgia

Investing in life insurance is one of the most important things to do to ensure that the financial future of your family will be secure. We can help you meet your life insurance needs in Ball Ground, GA at The Sanford Group.

The following are three questions you should ask before you buy a life insurance policy in Georgia.

What different types of life insurance coverage are available?

There are numerous types of life insurance you should be familiar with before you decide which policy to buy. They include term life insurance, whole life insurance, and universal life insurance. 

Term life insurance is a good life insurance solution if you only need coverage for a pre-determined period of time like five, ten, or twenty years. If you want coverage that lasts for the rest of your life, opt for a whole or universal life insurance policy. 

How much life insurance do I need?

The amount of coverage you need depends on the needs of your dependents. You want your dependents to be able to maintain their current standard of living after you pass away. The more dependents you have and the longer your dependents will rely on you financially, the more coverage you’ll need to buy. 

What is a life insurance death benefit?

The death benefit is the amount your beneficiaries will receive if you pass away while your policy is still active. The higher your death benefit amount is, the higher your premium costs are likely to be. 

If you want to explore our life insurance options in Ball Ground, GA, contact us at Sanford Group. We’ll help you find the life insurance policy to meet the financial needs of your family. 

How does commercial property insurance work?

Commercial property insurance is an essential commodity in Ball Ground, GA. You especially need coverage if you own the land upon which your business sits. Many entrepreneurs in Georgia have commercial property insurance without understanding how such a plan works to benefit them. The Sanford Group can help you get the most out of your indemnity policy. 

What does commercial property insurance do?

Much like home insurance, commercial property insurance helps pay for damages to the structure as well as equipment inside used to conduct business. The best indemnity plans also pay for supplies and inventory lost or damaged under covered events. 

Some commercial property insurance plans cover lost or damaged property that does not belong to the policyholder. Such a perk is especially useful to entrepreneurs who lease equipment. You only need to show proof that the items are entrusted to your care to receive coverage from your insurance plan. 

How do commercial property insurance policies work?

There are essentially two types of commercial property insurance coverage options:

  • Replacement cost coverage, where your policy pays to repair or replace items with the same or comparable products; 
  • Actual cash value coverage, where your insurance plan pays the current value of the damaged item. 

Actual cash value may not be the best option if your company has a lot of electronics. You will only get the market value of the items, which may not be much. Replacement cost ensures that you receive new products to compensate for the loss of damaged or lost items. 

How much commercial property insurance do you need?

An insurance specialist at The Sanford Group can help you determine how much commercial property insurance your business needs to remain financially sound when the unthinkable happens in Ball Ground, GA. Call them today for a quote!

Is Earthquake Insurance Worth the Additional Cost?

Agents of The Sanford Group understand that Ball Ground, GA is not known for earthquakes. Hurricanes, tornadoes, and other forms of severe weather are extremely common, but earthquakes are believed to be a West Coast problem. The fact is, Georgia is in an area that may eventually begin to experience this type of seismic activity. Having an insurance policy that covers earthquake damage will be beneficial in the long run. 

Where Are Fault Lines Located

While everyone knows about the fault lines out west in California and the surrounding states, very few are aware if those that affect Georgia and other southeastern states. The major fault lines affecting this area are located in South Carolina and eastern Tennessee and stretch for several hundred miles along with the Smoky Mountain range. The fault lines are well known to those who live in the area, but if you are new to the area, you should learn as much as you can.

What Should You Be Aware Of

People who live in north Georgia experience minor earthquakes rather frequently. While most never rise above 2.5 or 2.7, they do occur. In one two year stretch, the area experienced 18 minor earthquakes. While these do not cause much damage, the possibility of a more intense earthquake is always present. 

If you are a resident of Ball Ground, GA and would like to know more about your risks living in an earthquake-prone area, call the agents of The Sanford Group. They can show you where the fault lines and provide you with the information you will need to make an informed decision when it comes to purchasing earthquake insurance. Contact their office today so you can fully protect your home from significant loss if an earthquake does occur!

What are the main benefits of getting auto insurance in Ball Ground?

The Ball Ground, GA area can be a great place for anyone to work and live. While there are a lot of local benefits and amenities that come when you live here, owning a car is a necessity for more people. If you are going to purchase a vehicle here, you do need to get a proper insurance policy. There are several benefits that come when you get a full auto insurance policy here. 

Insurance Provides Protection for Vehicle

One of the advantages that comes when you get an auto insurance policy is that it will give you coverage for your vehicle. Buying a vehicle is a big investment and you will want to ensure that it is as protected as possible. When you get auto insurance, you will get coverage to repair or replace your vehicle as long as you elect to receive collision and comprehensive coverage.

Coverage Provides Liability Protection

Whenever you drive a car, you are going to be taking on a risk that you could cause an accident. If you do cause an accident, it will be your responsibility to pay for all associated damages. Due to this risk, which could come with a significant financial penalty, having insurance is a necessity. A full auto insurance policy will give you the liability protection that you need to offset this concern.

When you are shopping for auto insurance in the Ball Ground, GA area, you should call the team at The Sanford Group. Choosing a policy can be complicated but The Sanford Group will make it much easier. When you speak with this team, you can receive a lot of guidance and support. This will ensure that you continue to be properly protected at all times. 

Tips for buying classic car insurance for the first time

Whether you enjoy taking your antique car for some tour around town or simply like it parked in your garage, finding the best coverage is a crucial step. You will want to purchase the best classic car insurance in Ball Ground, GA to protect your investment. If you need professional help, The Sanford Group is here to help you out. Here are a few tips for first-time classic car insurance buyers.

Know the qualifications for a classic car

Just because your vehicle is from the 1950s doesn’t mean it is qualified to be a classic car. There are specific qualifications to be met. Different insurance companies have their own ways of determining which car is classic and which one is not. However, there are general conditions such as:

  • The car must be well-maintained and in good condition.
  • The car must be more than 20 years old. Some companies accept even ten years. 
  • A classic ride is not for running errands. Most policies allow occasional use.
  • Must be kept in a well-managed and secure garage 

Focus on the totaled value

Antique vehicles, unlike modern cars, typically appreciate over time. That is why most companies offer coverage based on an agreed value with the policyholder. As the value of the car increases, the company should make changes to accommodate the new value.

You will need spare parts coverage

Any car owner can agree that car spare parts are not cheap. Imagine how the situation can be for antique cars, whose components may not be in the market. Stolen parts can be costly, especially if you buy them from your pocket, so consider carrying enough coverage for your spares.

Don’t forget to do your research and find out the value of your car and the amount insurance companies are charging in Ball Ground, GA. For more information, queries, quotes, or new policy discussions, contact The Sanford Group directly, and we will be happy to help.

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