July, 2020 | Blog
Click to Call
The Sanford Group

10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

Get Directions

  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. 

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