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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 comes with events insurance in Georgia?

Those in the Ball Ground, GA area can find that hosting an event is a great way to bring people together for a special occasion, a celebration, or a professional event. As you are looking to plan an event here, it would be a good idea to have the right insurance for it. One type of insurance to consider getting here is events insurance. Various types of support can come with this coverage.

Reduce Liability Risk

One of the most important reasons that you should get events insurance in Georgia is so you can reduce your liability risk. As you are looking to plan your event, you may find there are various types of liability risks that can come with hosting an event. A great way to mitigate the concern is by getting an events insurance plan that will include proper liability mitigation and support. 

Cancellation Coverage

While you can plan an event for a long time, there is always a chance something could occur that will require you to cancel the event. You will want to have proper cancellation insurance in place in these situations. When you get an events insurance plan, it will provide cancellation insurance that can give you coverage to reimburse you for any deposits and other costs you may have incurred prior to the event. 

If you want to plan any event, it would always be good to get events insurance to ensure you have proper coverage and protection. As you are looking for this support in the Ball Ground, GA area, it would be wise to call The Sanford Group. With so many options to consider, The Sanford Group can help you ensure you receive proper support to pick the right plan for your situation. 

5 Moments to review your life insurance in Ball Ground, GA

Life is full of changes. Your life insurance policy should be too. The Sanford Group believes that life insurance is never static. Yet even existing policyholders neglect to make the most basic updates to their plan.

Fortunately, the Sanford Group can help. Serving Ball Ground, GA, the agency can create an individualized life insurance policy that best meets your needs. But they can also ensure it stays current. With this in mind, their agents list five life events that require an immediate life insurance review.

Getting married

Walking down the aisle is a significant financial commitment too. When a spouse passes, bills and debt can pile up. Life insurance protects the surviving partner, eliminating some of this financial burden.

Buying a home

Most families need two sources of income. Mortgage payments are especially challenging. Life insurance can supplement earnings, helping your family stay in their home after you’ve passed.

Having a baby

Expecting a baby already leads to a lot of sleepless nights. Life insurance enables you to rest easier. With this coverage, your child’s future is safe and secure.

Starting a company

Life insurance can help owners keep the business in the family. It’s also a sign of stability for potential investors. The lights will stay on even after you’re gone.

Retiring

The primary goal of life insurance is to reduce risk and replace a partner’s lost wages. Both of these aren’t as important during retirement. A pension and Social Security may be enough. For this reason, you might consider decreasing your coverage.

Contact an agency serving Ball Ground, GA.

The Sanford Group knows that life insurance demands more than a "set it and forget it" approach. Serving Ball Ground, GA, their experienced agents can help ensure your policy is up to date. Schedule an appointment today.

What is a business owner’s policy (BOP)?

Commercial insurance can seem confusing to someone opening a new business since it doesn’t consist of just one type of insurance but more than 20 types. Rather than figuring out which of the more than 20 types of commercial insurance your business needs, let The Sanford Group help you decide which types of insurance best suit your business.

Nearly every small business should start with one important type of insurance – the business owners’ policy (BOP). This consists of four policies in one insurance package. Its bundle of coverage costs less than buying each policy separately. These four common policies provide essential coverage for each business.

In a BOP, you’ll find the following policies:

  • business interruption
  • peril
  • property damage
  • liability

Most businesses require these four types of insurance to protect themselves adequately. Peril insurance protects a business from natural hazards and fire that could damage its structure or business property. Property damage coverage reimburses you for damage to business property caused by other means, such as a driver plowing through your front window.

Business interruption insurance reimburses your business when you must close it due to an incident from peril or an accident. This coverage may include funds for paying employees and their benefits.

Liability coverage protects you financially if a client, customer, vendor, or visitor to your business incurs an accident that injures them or you libel an individual. If someone sues you due to negligence on your part that caused an injury to their person, this type of coverage pays the court settlement, court fees, and attorney fees.

Contact The Sanford Group in Ball Ground, GA for help obtaining the business insurance you need to protect your commercial endeavor. Call us today.

Why does anyone in Georgia need to have home insurance?

Anyone that is looking to invest in their future and wants a stable place to call home in the Ball Ground, GA area should consider owning a home. As you are looking for a new home to buy, you also need to make sure that you pick the right insurance plan for it. A home insurance plan is going to be needed for various reasons. 

Coverage is Required

One of the reasons that people should get a home insurance plan is that it is a requirement in many cases. A lot of property owners are going to be required to maintain home insurance by their mortgage lenders. Further, if your home is located within a larger home association, you may be required to maintain certain levels of coverage to be in compliance with the agreements you signed. 

Coverage Protects Property and Owner

Those that are going to buy a home will also want to have a home insurance plan will also need to have coverage due to the protections that it can provide. When you have home insurance, you will have adequate coverage for your home and personal assets. Further, you will obtain personal liability insurance coverage. This will ensure you have support if you are named liable in an accident that results in damages. 

As you are looking for a new home insurance plan in the Ball Ground, GA area, you will want to know that you have proper insurance support. One way that you can ensure you know what your needs and options are, it would be a good idea for you to call The Sanford Group. The team with The Sanford Group will give you guidance that can help ensure you build a plan that is ideal for your situation. 

Finding the right auto insurance for your family

Ball Ground, GA area residents rely on The Sanford Group for all of their insurance needs. If you are looking to upgrade your family’s auto insurance policy, we can help! Finding the right policy for your needs and budget does not have to be an impossible task. Give us a call today to learn more about your available options!

Auto insurance options for your family

When it comes to auto insurance, there are a lot of options available in our area. While it’s always great to have options, having too many can make choosing a policy feel overwhelming. This is especially true for families with multiple vehicles and drivers. 

Sometimes, the right policy is one for the entire family, and other times the best way to go is to have multiple policies for different family members. It can be difficult to determine which way is right for your family’s needs until you sit down with a local agent. 

Working with an experienced and knowledgeable agent can make the policy selection process a lot less stressful! There’s no reason to have to shoulder all of the responsibility on your own!  Why not work with a partner who can help you find the right policy and coverage levels for your entire family?

Auto insurance features and options have really expanded in recent years, and it only makes sense to take the time to find a policy that meets all of your needs. Working with a local agent is the right way to go!

Give us a call today!

The Sanford Group is here for the greater Ball Ground, GA community. If you would like to learn more about insuring your family’s vehicles and drivers, we are here to help. Call or stop by our office today!

Whole Life Insurance

Having life insurance is a responsible thing to do for anyone. It provides a helping hand after you’re gone, and that is especially important if you have a family. If you are interested in getting whole life insurance, contact us today at The Sanford Group in Ball Ground, GA.

Carry It for Life

One of the major advantages that whole life insurance has over term life policies is that with whole life, it literally does what it says. It will protect you for your whole life no matter how elderly you become. Just keep paying the premiums, and the policy can’t be canceled. This gives many people peace of mind in knowing that they won’t be locked out of their life insurance after a set amount of time like with term policies. Instead, you can keep it for the rest of your life. 

Borrow Against the Value

Another major advantage of whole life insurance is that it will build a cash value. Over time, the premiums that you pay for your policy are invested by the insurance company, and those investments make money. Then, after a few years, a portion of that profit becomes the cash value of your life insurance policy. This cash value is available to you to borrow against if you ever need to. This is another reason that these policies deliver peace of mind. You can borrow up to the full cash value of your policy in case there is a financial hardship that requires it. Once it is borrowed, it is simply deducted from the death benefit until the loan is repaid.

Stay Protected With Life Insurance

It’s important to have life insurance to protect the future of those around you. If you need a life insurance policy, call us at The Sanford Group in Ball Ground, GA.

Required Auto Insurance in Georgia

When you want to drive in Georgia, you must have a few types of insurance coverage. These are coverages that are mandated by the state, and you can’t drive without them. The minimum amounts in Georgia, however, are relatively low. It’s usually recommended that you increase the minimums so that you are better protected in case of accidents. To get your auto insurance in Georgia, contact us at The Sanford Group in Ball Ground, GA.

Liability Auto Coverage

When you get your auto insurance in Georgia, there are three amounts that are required on it. One is a minimum amount of bodily injury liability for when one person becomes injured in an accident that is your fault. The second one is a minimum amount of bodily injury liability that is for all of the people who were injured in an accident that is your fault. The third is a minimum amount of property damage liability for the damage caused to another person’s property due to an accident that is your fault. All of these are relatively low in this state, so it’s often a good idea to get more than the minimum coverage amounts that are required by law. 

Other Insurance Offered

In Georgia, there are two other types of auto insurance that have to be offered when you get your auto insurance policy. They are not required, but they must be offered to you. And, it’s a smart idea to take these coverage types because they can prove to be helpful in the future. These are uninsured motorist property damage and uninsured motorist bodily injury coverage. Each of these is great to have in case you are hit by a motorist who doesn’t have their required auto coverage. 

Get Your Vehicle Covered

If you need auto insurance, contact us at The Sanford Group in Ball Ground, GA.

How Home Insurance Protects You

Owning a home is a lot of responsibility, and part of that responsibility is to get a good home insurance policy and to carry it for as long as you own your home. It’s always a good idea to have this coverage in case the worst should happen and there are problems that your home insurance can pay for. If you need a home insurance policy, call us now at The Sanford Group in Ball Ground, GA.

House Protection

Home insurance is a major way that you can protect your home itself. If a major incident happens to it and it is damaged or destroyed, your home insurance can pay for the needed repairs. It can even pay to have the entire house rebuilt if it’s needed. Your home is a serious investment, so it’s important to have serious protection for it. Few people could afford to pay for major repairs on their own, and home insurance makes it possible to get those repairs. 

Protection for Belongings

Most, if not all, of your belongings, are likely in your home. Those belongings also represent a significant investment, and they also need to be covered. When you have home insurance, your possessions are covered along with the home itself. It’s best to have this protection in place so that you don’t have to replace whole rooms full of items by yourself. This is valuable coverage that will come in handy if the worst should happen. 

Get Home Protection

Home insurance is generally required by your lender in case something happens to your home. Even if it isn’t required for you, the responsible decision is to get it. If you own a home and need home insurance, or you want to choose a different carrier, call us today at The Sanford Group in Ball Ground, GA.

How to Buy Home Insurance in Georgia if You Are a New Homeowner

When you are a new homeowner in Georgia, you will be overwhelmed with every little detail. Your home insurance shouldn’t be one of them. Buying a home is an exciting time. Every home insurance has some standard elements to it, but you can customize it to your heart’s content. 

At The Sanford Group, we want you to enjoy every minute. We can help first-time homeowners in Ball Ground, GA get the home insurance they need when they are buying a home for the first time. 

Learn the basics here, and we’ll help you with the rest. 

Interior and Exterior Damage

If your home or property is damaged due to fire, lightning, weather, or vandals, your dwellings coverage will cover the damage. You can make a claim on your home insurance for it to be covered.

Your property and contents of the home and other buildings (such as a garage or a shed) will also be covered by your home insurance. Your home insurance policy will cover your personal items and contents by a percentage.

So, you might see contents coverage valued at 50 percent of the value of your home. When you have a loss of items in your home due to a major crisis, you can make a claim for those lost items.

General Liability Coverage

When you own a home, you have a lot of assumed risk. If something happens at your home or from your home, an accident at a party, an injured contractor, a dog bite, anything like that, you could be held liable.

The general liability coverage will cover you for these crises. It will cover the medical expenses and potential legal costs of a liability expense.

Get a Quote

This is just the skeleton starting point of what you will need or want when you get home insurance. You can always add on with sewer backup coverage, flood insurance, and customize your policy to meet the needs of your home. At The Sanford Group, we can help you to get the right coverage that you need when you are a first-time homeowner in Ball Ground, GA. Call us for a quote today.

Get your auto insurance renewed today

If you own a car, it is very likely you already have car insurance. This is great, but it is even better to regularly review and compare your auto policy. You may not realize that you are not covered as comprehensively as you first thought, or your circumstances have changed, and you need something else or added on.

Consider renewing auto insurance? Or are you a new car owner? Call The Sanford Group in Ball Ground, GA and we can discuss policy options with you.

Auto insurance coverage options

Curious what kind of coverage you might be missing out on? Look no further. While not all, we list some options for you:

  • You get stuck on the side of the road because of a problem with the car or, worse, you were in a car accident. Who are you gonna call? Road assistance. One call for road assistance will ensure you and your car get a lift, and you will never be stranded for long.
  • From damaged undrivable cars to perhaps leaving your car where it shouldn’t be, towing can be expensive. If you have this included in your policy, you will never have to tow as an unexpected expense.
  • Perhaps one of the most important insurance in all types of insurance is liability coverage. This covers you if you are in an accident with someone else in the car or the people in the car you collide with. This can cover anything from another person’s medical bills to them suing you.

If you want to renew or discuss the renewal of your auto insurance, you can call The Sanford Group in Ball Ground, GA. Our website also allows you to compare quotes.

Additional Services

  • Identity Theft
  • Data Backup
  • Special Event Insurance
  • Specialty Auto Insurance
  • Rental Reimbursement
  • Towing
  • Medical Payments Coverage
  • Minor Violation Forgiveness
  • Roadside Assistance
  • Individual & Family Health Insurance
  • Group Health Insurance
  • Long-Term Care Insurance
  • Medical Expense Insurance
  • HSAs
  • Other Services
    • Permit Services
    • License Services
    • Notary Services

Partner Carriers

  • AAA
  • American Collectors
  • American Modern
  • AmTrust
  • Bristol West
  • Dairyland
  • Donegal
  • Encompass
  • Foremost
  • Grange
  • Guard
  • Haulers
  • Heritage
  • Infinity
  • Mercury
  • MetLife
  • Nationwide
  • NCCI
  • Progressive
  • Safeco
  • Travelers
  • Zurich