December, 2015 | Blog
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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

Coverage Options Provided By Home Liability Insurance

There are a lot of coverage options provided with home liability insurance. This form of insurance is often found within your homeowner’s insurance policy. As a homeowner in Ball Ground, you want to make sure that this coverage is present so that you can avoid spending money out-of-pocket if someone is hurt on your property or in your home.

You may not realize it, but people can get injured quite easily on your property. It could be as a result of throwing a party, contractor not having proper insurance, or even a simple slip and fall. As the homeowner, you are held responsible for all of the expenses. However, there are coverage options that are provided by the home liability insurance.

Legal Costs

If someone decides to sue you for their injuries, you are going to need a lawyer. The legal expenses can be encompassed within the liability coverage, regardless of whether you are found responsible or not.

Health Expenses

There may be a lot of health expenses associated with a person’s injuries. This can include medical bills, prescriptions, as well as occupational therapy. Even if a person has health insurance, the expenses may fall to you.

Lost Paychecks

A person may experience various lost paychecks because of not being able to work. This lost income may be covered within a home liability insurance.

Pain and Suffering Settlement

There may be a pain and suffering settlement when the case goes to court. Liability coverage may take care of the settlement as well.

Death Benefits

Finally, there is the possibility of a fatality – and death benefits could be covered within your home liability policy as well.

Call and talk to one of our agents at The Sanford Group today to learn more about coverage options available to you within your homeowner’s insurance policy for liability. We can ensure that you have all the protection that you need for your home in both around.



Prepare For Driving In Winter Conditions

As you drive around Georgia, there may be some winter road conditions that you are not accustomed to. There are many ways that you can prepare for this weather so that you can be safer out on the roads.

Stock Your Car

It’s a good idea to prepare for the worst possible outcome. This is why it is a good idea to stop your car with a warm jacket, hats and gloves, as well as a flashlight, tow strap, jumper cables, and even a shovel. This way, if you do find yourself broken down on the side of the road, you have the means to stay warm and take care of the situation.

Keep an Eye Out

Always keep an eye out on what is going on throughout the roads. This means you want to be looking several hundred feet ahead of you as well is on the sides of the road. There may be a deer crossing the road or someone broken down – and you want to prepare for having to stop for these things.

Don’t Depend on 4-Wheel Drive

Four-wheel-drive can be great, but it isn’t going to help you corner on icy roads. This is why you want to make sure that you are still being cautious on the slippery surfaces.

Maintain a Safe Distance

As you drive around Ball Ground, you want to maintain a safe distance from the car in front of you. It can take 10 times longer to brake when there is ice and snow on the roads. If you keep a safe distance between all of the cars, you are less likely to encounter a crash.

At The Sanford Group, we look forward to helping you maintain safety on the roads at all times. Call us today to obtain more information about quotes as well as covered possibilities in Ball Ground.



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