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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

Can Remodeling Your Home Affect Your Home Insurance?

Home insurance needs to be updated regularly to compensate for changes in your home or lifestyle. Remodeling your Ball Ground, GA home will alter your insurance coverage, making it necessary to update your policy. If you plan to remodel your home, talk to an agent from The Sanford Group to see how your renovations will affect your policy. Here are a few ways home upgrades can alter home insurance coverage.

Add Value to Your Property

When you first purchased home insurance, you probably insured your home for its current market value. Remodeling your home can increase that value, making your original coverage insufficient to fully protect your renovated property. By increasing your dwelling coverage to match the new value of your home, you’ll have the protection you need to rebuild your abode in the event of a total loss.

Increase/Decrease in Premium Cost

Some home upgrades can increase your home insurance while others could make you eligible for discounts on your coverage. Adding a pool to your property, for example, will increase your insurance costs due to a greater risk of pool accidents. In contrast, a new roof could reduce your insurance premium due to improving home safety. Renovations that improve safety and security like new plumbing, electrical or security systems could qualify you for discounts on your home insurance costs.

Increase Your Coverage

Renovations need to be added to your home policy in order to be protected along with the rest of your home. This will require an increase in your dwelling coverage. If you purchased new furniture or electronics to go with your renovations, these will need to be added to your property coverage for protection against damage or loss.

To learn more about home insurance in Ball Ground, GA, or to receive a home insurance quote, contact us at The Sanford Group.

Why do I need auto insurance in Georgia?

For most people, owning a car will provide a significant amount of convenience. For those that are in the Ball Ground, GA area, owning a car can even be considered a practical necessity. If you do live in this area of Georgia, it is important to make sure that you are properly covering and protecting your vehicle. One of the best ways to do this is by getting an auto insurance policy. There are several reasons why you need to get auto insurance here. 

Required by Auto Lender

When looking to buy a car, it is easy to be overwhelmed by the initial sticker shock. However, it can become much more affordable if you are able to finance the purchase through an auto loan. If you do decide to take out an auto loan, you will need to get a quality auto insurance policy to comply with your lender’s requirements. Those that have an auto loan will almost always be required to have full collision and comprehensive insurance coverage.

State Laws for Liability Coverage

Another reason why you will need to get an auto insurance policy in Georgia is that it is required by state laws. For those that have a car in Georgia, it is important to get auto insurance that provides you with coverage to meet the requirements for minimum liability insurance. Those that do not have it could be penalized. 

As you are looking for auto insurance in Georgia, it is important to work with someone that you can trust. Those that are in the Ball Ground, GA area should reach out to The Sanford Group. When you hire The Sanford Group to discuss your insurance needs, you can get the guidance and support to choose a policy that is ideal for your situation. 

How Can Life Insurance Benefits be Used?

Purchasing a life insurance policy from The Sanford Group is the first step toward providing financial security for your family. Life benefits can be used in so many ways to help your family carry on upon your sudden demise. Here are just a few ways life insurance benefits can help those you love after you’re gone.

Cover Daily Bills

Life benefits can help pay daily expenses in Ball Ground, GA such as rent, food, utility bills, medical bills, school needs, and more, enabling your wife and children to continue living the lifestyle they’re accustomed to even though you’re no longer there to provide financial support.

Pay Off Debts

If you have co-signed loans such as student loans, a home mortgage, business loan, etc., life benefits can be used to pay these off so your spouse, parent or business partner isn’t left with this responsibility.  

Support Aging Parents in Ball Ground, GA

Like many adult children today, you may have been helping your parents financially in their old age. By naming them as beneficiaries of your life policy, you can continue to support them after you’re gone.

Put Children through College

 If you have children, you can designate that life benefits to be put into a trust for them to help pay for their college expenses when they’re grown. In like manner, life benefits can be saved to help pay for your daughter’s wedding or to welcome a grandchild into the world.

Pay Your Funeral Costs

Few people prepay for their funeral expenses in advance. If you’ve failed to make arrangements for your funeral before your demise, life benefits can help cover these costs. Your family can grieve in peace without worrying about your funeral costs.

To purchase a life insurance policy in Ball Ground, GA, contact The Sanford Group today.

Should I get commercial insurance in the Ball Ground area?

Anyone that would like to be their own boss and start their own company should consider the Ball Ground, GA area. This area of the state has many practices in place that can help a small business to grow. While there are some great opportunities for small business owners, there are risks as well. One great way to mitigate some of these risks is by getting a commercial insurance policy. There are several reasons why someone should get this form of coverage here. 

Covers Assets

One reason to get a commercial insurance policy here is that it can protect your company assets. Whenever you are going to start any type of organization, there are a number of assets that will need to be purchased. Between inventory, office equipment, and capital assets, starting a business takes a big investment. Fortunately, when you have a commercial insurance policy, you can get protection for these valuable assets.

Provides Liability Protection

All business owners need to recognize their professional liability risk. If you are sued for liability following any type of accident, it could be very detrimental if you are deemed liable. To ensure that your business is properly covered and protected, you should get a commercial insurance policy as it will provide you with valuable coverage for your liability risks.

Starting a business in the Ball Ground, GA area is a great option. To ensure that your company is protected, you should work with a professional when shopping for a commercial insurance policy. If you are looking for insurance, you should contact the team at The Sanford Group to discuss your insurance needs. The insurance professionals at The Sanford Group will help you to get into a policy that provides the coverage your business needs. 

Is Umbrella Insurance Necessary?

You may not consider umbrella insurance to be necessary but they are a valuable tool to financially protect you and your family.  One thing that makes these policies unique is that they only go into effect when your other policies are maxed out.  For instance, is someone is injured at your home due to your negligence, your home insurance policy will cover their medical and legal expenses.  When the policy reaches its cap, the homeowner is responsible for the additional funds.  For most people, this would be a financial burden.  An umbrella policy can help you recover more quickly.  At the Sanford Group, our agents work with homeowners throughout the Ball Ground, GA area.  They can explain how an umbrella policy to benefit you.

Umbrella insurance policies are designed to financially protect you.  In the example of someone getting injured, your home insurance policy may cover $200,000 but if their bills are $350,000, you are responsible for the balance.  As another example, if your home is destroyed by a disaster, your home insurance can help you rebuild.  If it doesn’t cover the total cost of construction, again, you’re responsible for the additional funds.  With an umbrella policy, you’ll have a helping hand when you really need it. 

In the Ball Ground, GA area, our agents at The Sanford Group want to help you with your insurance needs.  Explore the website for general information then contact us to visit.  Our agents can help you decide if umbrella insurance is a good fit for your family.  They can help you understand the details so that you can make an informed decision.  Having a financial tool like umbrella insurance is very important for the protection and quick recovery following a disaster.  Don’t wait!  Call us today for more information. 

Did You Know You Can Have Specific Insurance For Your Classic Car?

Ball Ground, GA has miles of scenic routes surrounding it and many people enjoy taking their classic car out of the garage on a Sunday evening for a leisurely drive and occasional meet-ups to compare their old cars. You may see diner parking lots full of classic cars like a fantasy car lot from the fifties or sixties on any random day of the week in the south. These rare finds are treated as a treasure by their drivers and often need specialized insurance because their value is not easily dictated by the blue book. At The Sanford Group, we offer quality insurance to cover your needs including classic car insurance. 

Classic Car Insurance Considerations

  • The blue book value for the car is likely vastly different than the actual value if the classic car has been carefully restored and garage kept.
  • The classic car may not be driven often. If it is garaged often and only pulled out occasionally you may be able to save on insurance in some circumstances.
  • The classic car might not be driven at all. In some cases, a classic car is only transported in a semi and it never has the risk of an open road. If this is true then the insurance policy could be entirely different. 
  • Even if your classic car is still in the "junker" phase as you begin the restoration process small upgrades should be noted in your policy to ensure proper coverage if there is an accident before it is complete. 

The Sandford Group serves the communities in and around Ball Ground, GA with comprehensive insurance services. Contact us today to discuss your classic car and see if we can provide you with coverage that is exactly what you need for your situation. 

3 Ways to Protect Your Home Business with Commercial Insurance

If you’re planning to run a business from home, keep in mind that home insurance has limitations in the business protection it provides. In fact, you’d do well to consider protecting your home enterprise with commercial insurance. A commercial policy from The Sanford Group will ensure your home business in Ball Ground, GA has the essential protection it needs to grow and prosper. Here are a few ways you can protect your fledgling enterprise with commercial coverage.

Property Coverage

Your home office, like the rest of your home, is prone to risks like theft, vandalism, and disaster damage. If an unforeseen disaster such as fire breaks out in your home and destroys your business equipment, commercial property insurance can help compensate you for your loss. Property insurance covers such equipment as computers, printers, scanners, office furniture, etc., along with any inventory you may have stored in your home. This protection can save you thousands of dollars in replacing this equipment on your own.

Liability Coverage

If someone is injured in an accident while visiting your home for business purposes, you could be held liable for their medical costs. A serious accident could put you at risk of a lawsuit. General liability insurance protects your business from third-party claims and lawsuits, safeguarding your business revenue against loss.  This enables you to continue investing in your company to help it grow.

Business Interruption

A major disaster in your home could bring your home business to a standstill, putting you at risk of losing customers and valuable revenue. Business interruption coverage compensates you for lost revenue, payroll (if you have employees), taxes, and other operating expenses to help your business recuperate from a major disaster.

To learn more about commercial coverage for your Ball Ground, GA home business, call or visit The Sanford Group today.

3 Reasons to Upgrade Your Life Insurance in Ball Ground

If you already have life insurance, it’s because you wanted to take care of the people in your life just in case something happened to you. It’s a responsible choice that not everyone gets credit for until a tragedy occurs. But if you live in Ball Ground, GA, it may be time to consider the reasons why people choose to upgrade their coverage. The most surprising part about upgrading is that sometimes people will do it as much for themselves as for their loved ones. The Sanford Group wants you to know more. 

You Want Extended Coverage 

Some people will choose a life insurance policy with an expiration date attached to it. That is, the policy will expire when a child turns 18 or 21 and the policy cannot be invoked after that particular date. However, it’s not unusual for a policyholder to decide that they would rather have more unlimited coverage for their loved ones, regardless of how old they are. Or they may take on a spouse later in life and choose to purchase permanent insurance for them. 

You Want a Safety Net 

The right insurance policy can be used as a savings account if times get tough. Plenty of seniors will withdraw from their policies during retirement if they need to. To learn more about the conditions of these policies, you can speak with an insurance agent who will tell you everything you need to know. 

You Want a Better Insurance Partner 

Sometimes insurance can be upgraded just by finding a better insurer. If you’re in Ball Ground, GA and want to understand more about life insurance upgrades, give The Sanford Group a call today to talk to someone who can give you the facts. 

Auto insurance options for Uber and Lyft drivers

Many people are utilizing their cars for participating in ride-sharing companies such as Uber and Lyft.  These companies have become two of the most popular ways to make money driving people where they need to go.  Because you’re driving often using one of these services, you have to be selective in choosing the right insurance coverage.  Our agents at The Sanford Group, serving Ball Ground, GA, are well qualified in assisting you in finding the right coverage.

Options for ridesharers

If you’re involved in the ridesharing industry, it’s very vital to have auto insurance.  The more you use your car, the more important it is to have insurance.  Georgia drivers are required by law to have automobile liability insurance for at least the minimum limits.  However, some ride-sharing services may offer additional coverage.  Uber offers supplemental insurance, in addition to your own auto insurance.  This insurance is only active when the driver is using the app.  Previously, the ride-sharing service only offered insurance coverage when the passenger was in the car.  However, due to a series of accidents resulting in lawsuits, Uber decided to update their policy.

Lyft and some of the other ride-sharing services point to the $1 million per incident excess liability coverage.  This coverage is required by certain states and designed to deal with liability claims.

Our Agents are Here to Help

However, before deciding to use your car for business purposes, like ridesharing, you have to find out what your insurance covers. We at The Sanford Group have qualified agents available for professional advice in finding the right insurance for your situation.  If you reside in the Ball Ground, GA area, feel free to contact our office for more information today.            

 

3 Ways to Prepare Your GA Home For the Summer Heat

Living in Ball Ground, GA, our clients are aware of the steaming summer heat that is inevitable. At The Sanford Group, we want our clients to prepare their homes from the summer heat and stay cool through the warmest months. 

Invest in Ceiling Fans

Head over to your local hardware stores for ceiling fans in the rooms you frequent the most. Although you have an AC unit, some days in the summer will reach temperatures that are hard for your AC to keep up with. The assistance of ceiling fans spread the cool air and give the AC unit a chance to catch up and not wear out as quickly. 

Darkening Curtains

You can purchase darkening curtains for your home. They are designed to eliminate sunlight and heat from coming into your home. This keeps the cool air inside your home and keeps your air conditioning from overworking on the hottest of days. With your air conditioning working less, it will help with utility expenses throughout these months. 

Inspect Your Windows

Over time, harsh weather can damage your windows, allowing cool air to escape and external heat to enter your home. This is very common in older homes that have original windows. If this sounds like your house, it is time to inspect your windows. If they are not properly insulating your home, they need to be replaced so that you can keep the warm air out of your home this summer. 

Call Us Today!

If you are looking for a new home insurance policy or just want to see what your options are, call us at The Sanford Group today. We proudly serve clients living in and around Ball Ground, GA. We look forward to assisting you with your home insurance needs. 

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