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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

Ask Your Agent About Auto Insurance Changes

If you’re in the Ball Ground, GA area and have auto insurance questions, you’re not alone. The Sanford Group can help, so you can get your questions answered and make any needed policy changes. The insurance you have on your vehicle is important. You not only want to make sure you have the minimum level of coverage required by law, but you may also want additional coverage beyond that. Deciding on that coverage is easier when you have a knowledgeable agent on your side. That way you can get the information you need and feel confident with your decision.

Making changes can mean moving from one company to another, or simply upgrading or adjusting the coverage you have with the company you’re currently using. But the easiest way to do either one of those things is to work with an agent you feel good about. That can help increase your peace of mind, and give you the protection you’re looking for when it comes to covering your vehicle the right way. You don’t have to settle for less than the right type of coverage for your particular situation, so you can leave your fears behind when you’re out on the road.

For anyone in the Ball Ground, GA area, The Sanford Group is here to help with your auto insurance changes and other coverage needs. Reach out to us today, and our agents can start getting your questions answered. Then you’ll have a policy you’re really happy with, so you can feel safe and protected when you’re behind the wheel. If there have been changes in your life or household, it could be time to make changes to your insurance policy, too. We’re here to make that easier, and ensure you have the coverage that really fits your needs.

Life insurance can be an impactful financial tool

Residents in the greater Ball Ground, GA community have relied upon The Sanford Group for their insurance needs for some time. In addition to providing insurance coverage for our clients’ protection, we also offer life insurance options that can be impactful financial tools.

Life insurance policy types that can also act as financial tools

Term life insurance may be the most widely-known type of life insurance policy, but it is not the only one available. There are other types that not only provide a death benefit but also provide a benefit while you are living. Whole Life and Universal insurance can provide cash-value in addition to a payout upon your death. 

With these two types of life insurance policies, it is also possible for the policy to accumulate and provide a cash benefit for the policyholder. Your local agent can review all of the features and benefits of these types of policies with you in order to help you make an informed decision.

Today’s life insurance options are wide-ranging and have financial benefits. If you are looking to add life insurance as a financial tool, it is important to understand how the policies work. There are many unique features that are now available and are worth discussing with your agent. Having a diversified financial portfolio with many different types of assets can help protect you from life’s ups and downs. Don’t miss out on having an effective tool like life insurance working for you!

Contact us today to learn more!

The helpful agents at The Sanford Group are proud to service the greater Ball Ground, GA area. If you would like to find out more about the different life insurance policy options that are available in our area, call or stop by today.

Commercial Insurance – What Is The Use?

As a business owner in Ball Ground, GA, your company faces challenges and risks every day. That’s why you need insurance to protect your business from collapsing on the encounter with these risks. Commercial insurance from The Sanford Group protects your company against theft, vandalism, lawsuits, property damage, loss of income, and employee injuries, among other risks.

Types of Commercial Insurance

If you’re wondering what types of commercial insurance will protect your business, here we got you covered. To determine your best choice, you need to consider factors such as location, size, industry, and the number of employees of your business.

The most common commercial insurance policies are: 

  • Liability coverage
  • Property coverage
  • Workers’ compensation insurance

Liability Policy

Liability coverage protects your business against risks such as bodily injuries, errors and omissions, property damage, and advertising injury. This coverage is necessary for business owners unless they want to pay for losses from their pocket.

Some specific policies that fall under liability coverage include general liability, commercial umbrella, and professional liability insurance.

Workers’ Compensation Insurance

If your business employs three or more workers, it is a legal requirement to have this insurance in Georgia. This coverage helps your business handle claims that may come from workers’ illnesses and injuries. It also includes benefits forwarded to the worker’s family in the case of death.

The cost of workers’ compensation insurance for your business may depend on factors such as payroll size, claims history, and workplace risks.

Property Coverage

About half of small businesses that close due to a natural disaster never reopen. The truth is that most of these businesses lack the financial power to bounce back from a severe case of property damage. It is costly, and that’s what makes this coverage necessary for a business.

Property insurance will protect your business against risks such as theft, storms, and theft.

Protect Your Business With Commercial Insurance Today

Are you living in Ball Ground, GA, and wish to protect the business you’ve worked so hard to build? The Sanford Group is your partner in matters of commercial insurance. Get in touch with us, and let’s see what best deserves your company.

What You Should Know About Home Insurance In Ball Ground, GA

If you live in Ball Ground, GA, and are interested in home insurance, you might want to think about what an agency such as The Sanford Group can do for you.

Home insurance, also known as homeowners insurance, gives homeowners financial protection when there has been an accident or disaster involving the home. A standard home insurance policy will insure the structure of the home and the belongings within. It will also cover injuries and/or property damage to other people that have been caused by people (and animals) living in your home.

In the state of Georgia, the most common problems that people need to consider in terms of home insurance would be flooding and severe storms. Because Georgia is so close to the Gulf of Mexico and the Atlantic Ocean, the residents of this state are relatively vulnerable to hurricanes and tornadoes. Parts of Georgia are also especially vulnerable to the hazard of flooding. Fortunately, the majority of home insurance companies will provide you with coverage against any damage that is caused by hurricanes and/or tornadoes. You should take an inventory of all of your assets to figure out how much value your property has, as the majority of policies will come with actual cash value coverage, as opposed to replacement-cost coverage.

However, you should be aware that home insurance will not cover damage that is done by flooding. If you want flood insurance, you will need to purchase a separate policy from a private seller or the National Flood Insurance Program.

If you are interested in purchasing home insurance in Ball Ground, GA, you should contact The Sanford Group and see what they can do for you. They may be able to educate you on home insurance in the state of Georgia and the policy that would be best for your specific situation.

What Are the Different Types of Auto Insurance Policies?

The Sanford Group is a dedicated insurance company in the Ball Ground, GA community, and the neighboring areas. We are proud of the different types of insurance policies we have been offering to our customers since our inception.

Besides other insurance policies in our offices, auto insurance is one of our mainstream products, and we work hard with multiple customers to cover their cars and families as they drive across the country. If you’re planning on buying a car insurance policy, it is necessary that you understand the different types of offers for an informed selection.

Liability Insurance Policy

To drive a car in the United States, you need to have liability insurance. This policy covers injuries and property damages that you may cause to others as you drive. You are legally responsible for the accidents and damages you cause on the roads, which explains why you need to have this cover before you can legally be allowed to drive.

Collision Insurance

Collisions will always happen on the roads, and you need to be prepared so that you can shift the financial obligations to your insurance company when this happens. Collision insurance will help you to cover the damages that your car will get after you have been involved in an accident. It may include repairing the vehicle or replacing it if the damages go beyond a specific percentage.

Comprehensive Insurance

As it sounds, comprehensive insurance provides additional benefits as compared to other auto insurance policies. Some of the areas where comprehensive insurance can cover include accidents with animals, specific weather problems, vandalism, collisions, and sometimes stolen cars.

These are some of the different types of auto insurance policies that The Sanford Group provides to the people of Ball Ground, GA, and the surrounding areas. For additional information on auto insurance policies, visit our website today.

Why should I get a life insurance policy?

People that live in Ball Ground, GA need to spend time carefully assessing their personal insurance needs. Those that do live here will have a variety of different important forms of coverage to get. One of the most important forms of coverage that they need to get is life insurance. When you get a life insurance policy, it will provide a range of benefits. There are a few key reasons why you should get this insurance protection.

Life Insurance Provides Financial Protection

A key reason that you should get life insurance is that it will provide valuable financial protection. If you have people that rely on you as a source of income, you will want to know that they will be cared for if you were to pass away. When you are looking for insurance protection, you can build a policy that will include a policy coverage limit that meets your needs and protects those that you care about.

Life Insurance is an Investment Option

You should also consider getting life insurance as an investment option. Those that are looking for new conservative investors should consider getting whole life insurance. Not only will you receive the benefits and protections that come with life insurance, but some of your payments will go into an account that will grow in value and provide investment benefits. 

Picking the right life insurance policy is very important. Those that are shopping for coverage in the Ball Ground, GA area should speak with The Sanford Group. When you do call The Sanford Group, you will get to learn a lot about your various insurance options. The team here could then help you build a policy that will offer the right type and level of insurance protection. 

Who needs to get commercial insurance in Ball Ground?

In the Ball Ground, GA area, there will continue to be a lot of benefits that come with having commercial insurance coverage. Small businesses can benefit in a number of different ways. There are a few situations when a business owner needs to get this coverage. 

Businesses that Want to Raise Capital

A very common situation when a business will want to have commercial insurance when they want to have capital raised for their company. Taking advantage of outside capital through equity investors or a business loan is necessary to grow in some situations. If you want to raise capital, the investor is going to have insurance requirements that you need to meet. The investor will want you to have commercial insurance as it can protect their investment.

Businesses That Want to Protect Themselves

A business owner will also want to have commercial insurance in order to protect their organization. When investing in commercial insurance, businesses will receive some very valuable coverage including protection for liability risks and to cover their important assets. Ultimately, this insurance coverage will help to protect the organization and can keep it viable during some challenging situations, such as if there is a liability claim against the company or valuable assets are damaged or destroyed due to a fire.

Ball Ground, GA businesses need to make sure that they take their commercial insurance needs seriously. As you are looking for a new policy in this area, it is important to have all of your questions answered. If you are looking for a new policy here, it would be a good idea to call The Sanford Group. If you do call The Sanford Group you can get the support that is needed to choose a proper commercial insurance policy. 

Is term life insurance right for you?

If death and taxes are two certain things in life, then life insurance should be a priority. Even those who do not feel the need to consider end-of-life preparations should consider the financial effects on loved ones when a person dies without coverage. Such is especially true if you are the head of a household in Ball Ground, GA. Your family’s lives may be turned upside down if you do not secure some type of financial stability through a life insurance plan. 

You know that life insurance is an absolute necessity. Is it possible, however, to take advantage of term life insurance instead of purchasing a whole life insurance plan? The agents at The Sanford Group can help answer that question. 

What does term life insurance offer?

A term life insurance plan covers your final expenses up to the term limits that you choose. A good plan typically pays for funeral costs as well as other household bills you would be responsible for as the head of a household. 

A term life insurance policy does not go into effect until the policyholder is deceased. Thus, you cannot borrow against your plan for emergency expenses or take the family on a much-needed vacation. Whole life insurance policies allow for borrowing against the interest while the policyholder is living. Such is the reason they tend to be more popular among those with families. 

Is term life insurance right for you?

A term life insurance policy may be the right choice if you are young and have few assets. Middle-aged adults who are single may also find such an indemnity plan beneficial. 

You may want to weigh your options and compare life insurance types if you have a lot of assets in Ball Ground, GA. Call The Sanford Group today to get a full explanation of what term life insurance offers.

Exploring The Benefits Of Earthquake Insurance

The Sanford Group serves the Ball Ground, GA community, as well as the surrounding areas through people offering multiple types of insurance coverage. We provide individual attention to our clients to help them find policies specifically designed to meet their needs. Providing excellent customer service is a top priority.

Earthquake Insurance

The South is known for its volatile weather. A natural disaster may occur at any moment. While it is unlikely that an earthquake may happen in Ball Ground GA over the next month, it is hard to predict what may happen in the future. Earthquake insurance is something to consider.

Earthquakes have the potential to completely wipe out your residence. Even a small earthquake has the potential to cause serious damage. The policy covers the structure of your home and your belongings if they are damaged by an earthquake. That includes outside structures such as your garage.  You can amend your policy to cover your vehicle if it damaged or possibly totaled due to an earthquake. The policy also protects you as you seek temporary lodging elsewhere while your home is repaired.

Research where the fault lines are located next to your residence. There are a few fault lines in the South that could potentially cause damage to Georgia in the future. While it is unlikely that Ball Ground, GA will ever suffer a major earthquake, even a minor earthquake in the future has the potential to cause serious damage. Earthquake insurance provides you with a safety net against the threat of a potential loss.  

The Sanford Group Will Help You Protect Your Property

To learn more information on earthquake insurance, visit our website today!

Why do you need home insurance in Georgia?

Anyone that is in the Ball Ground, GA area should consider purchasing a home. If you do purchase a home here, you will enjoy the long-term benefits that come along with it. As you are looking for a home, you should also spend time thinking about your insurance needs. There are several reasons that you will need to get home insurance here. 

Insurance Protects Assets

One of the main benefits that will come with getting home insurance is that it can protect your asset. The largest asset that most people will ever own is their home. Due to this, you should always look for ways to protect it. When you get a home insurance policy, it will give you coverage if your home is damaged or destroyed. You can also receive coverage to repair or replace your personal assets.

Insurance is Often Required

Another reason that you are going to need a home insurance policy is that it is often required for people all over the area. When most people purchase a home, they are also going to take out a mortgage. If you do take out a mortgage, you will have specific mortgage requirements that need to be met. Most of the time, a lender will also have you escrow your payments monthly as it will ensure you maintain coverage the whole time.

When you are looking for a new home insurance policy in the Ball Ground, GA area, it would be a good idea for you to call The Sanford Group. The insurance team at The Sanford Group knows how beneficial it can be for you to get proper insurance. They can help by answering all of your questions and giving the guidance needed to choose a new policy. 

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