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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

What You Should Know About Home Insurance In Ball Ground, GA

If you live in Ball Ground, GA, and are interested in home insurance, you might want to think about what an agency such as The Sanford Group can do for you.

Home insurance, also known as homeowners insurance, gives homeowners financial protection when there has been an accident or disaster involving the home. A standard home insurance policy will insure the structure of the home and the belongings within. It will also cover injuries and/or property damage to other people that have been caused by people (and animals) living in your home.

In the state of Georgia, the most common problems that people need to consider in terms of home insurance would be flooding and severe storms. Because Georgia is so close to the Gulf of Mexico and the Atlantic Ocean, the residents of this state are relatively vulnerable to hurricanes and tornadoes. Parts of Georgia are also especially vulnerable to the hazard of flooding. Fortunately, the majority of home insurance companies will provide you with coverage against any damage that is caused by hurricanes and/or tornadoes. You should take an inventory of all of your assets to figure out how much value your property has, as the majority of policies will come with actual cash value coverage, as opposed to replacement-cost coverage.

However, you should be aware that home insurance will not cover damage that is done by flooding. If you want flood insurance, you will need to purchase a separate policy from a private seller or the National Flood Insurance Program.

If you are interested in purchasing home insurance in Ball Ground, GA, you should contact The Sanford Group and see what they can do for you. They may be able to educate you on home insurance in the state of Georgia and the policy that would be best for your specific situation.

What Are the Different Types of Auto Insurance Policies?

The Sanford Group is a dedicated insurance company in the Ball Ground, GA community, and the neighboring areas. We are proud of the different types of insurance policies we have been offering to our customers since our inception.

Besides other insurance policies in our offices, auto insurance is one of our mainstream products, and we work hard with multiple customers to cover their cars and families as they drive across the country. If you’re planning on buying a car insurance policy, it is necessary that you understand the different types of offers for an informed selection.

Liability Insurance Policy

To drive a car in the United States, you need to have liability insurance. This policy covers injuries and property damages that you may cause to others as you drive. You are legally responsible for the accidents and damages you cause on the roads, which explains why you need to have this cover before you can legally be allowed to drive.

Collision Insurance

Collisions will always happen on the roads, and you need to be prepared so that you can shift the financial obligations to your insurance company when this happens. Collision insurance will help you to cover the damages that your car will get after you have been involved in an accident. It may include repairing the vehicle or replacing it if the damages go beyond a specific percentage.

Comprehensive Insurance

As it sounds, comprehensive insurance provides additional benefits as compared to other auto insurance policies. Some of the areas where comprehensive insurance can cover include accidents with animals, specific weather problems, vandalism, collisions, and sometimes stolen cars.

These are some of the different types of auto insurance policies that The Sanford Group provides to the people of Ball Ground, GA, and the surrounding areas. For additional information on auto insurance policies, visit our website today.

Why should I get a life insurance policy?

People that live in Ball Ground, GA need to spend time carefully assessing their personal insurance needs. Those that do live here will have a variety of different important forms of coverage to get. One of the most important forms of coverage that they need to get is life insurance. When you get a life insurance policy, it will provide a range of benefits. There are a few key reasons why you should get this insurance protection.

Life Insurance Provides Financial Protection

A key reason that you should get life insurance is that it will provide valuable financial protection. If you have people that rely on you as a source of income, you will want to know that they will be cared for if you were to pass away. When you are looking for insurance protection, you can build a policy that will include a policy coverage limit that meets your needs and protects those that you care about.

Life Insurance is an Investment Option

You should also consider getting life insurance as an investment option. Those that are looking for new conservative investors should consider getting whole life insurance. Not only will you receive the benefits and protections that come with life insurance, but some of your payments will go into an account that will grow in value and provide investment benefits. 

Picking the right life insurance policy is very important. Those that are shopping for coverage in the Ball Ground, GA area should speak with The Sanford Group. When you do call The Sanford Group, you will get to learn a lot about your various insurance options. The team here could then help you build a policy that will offer the right type and level of insurance protection. 

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!

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