May, 2020 | 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

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. 

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