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.
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.
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!
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.
You’re making a big decision when you’re selecting an auto insurance policy. We can help you with your auto insurance needs in Ball Ground, GA at The Sanford Group.
The following are three things you’ll want to remember when you buy auto insurance in Georgia.
You may be able to qualify for some discounts.
There are a lot of possible discounts out there for bringing down auto insurance premiums. You might be able to lower your costs by taking advantage of some of these discounts.
There are discounts for those who have taken driver safety classes or for students with high grade point averages. There are also discounts for service members and first responders with some companies.
Make sure you research discounts before you purchase a policy.
You need to purchase collision coverage for coverage to damage to your own vehicle.
Buying a basic liability coverage policy is not going to provide you with any coverage whatsoever for your own vehicle. This means that you’ll have to pay out of pocket for damage to your own vehicle unless you add collision coverage to your policy.
Customer service is important.
Don’t focus too much on the policy details without considering the company offering the policy. In particular, make sure you’ve evaluated their customer service.
Customer service is a significant factor when it comes to auto insurance. You may need to call your insurance company if you want to change your policy or file a claim. When this happens, good customer service becomes enormously beneficial.
Ready to start shopping for your auto insurance policy? If you’re a motorist in Ball Ground, GA looking for car insurance, get in touch with us at The Sanford Group.
Investing in life insurance is one of the most important things to do to ensure that the financial future of your family will be secure. We can help you meet your life insurance needs in Ball Ground, GA at The Sanford Group.
The following are three questions you should ask before you buy a life insurance policy in Georgia.
What different types of life insurance coverage are available?
There are numerous types of life insurance you should be familiar with before you decide which policy to buy. They include term life insurance, whole life insurance, and universal life insurance.
Term life insurance is a good life insurance solution if you only need coverage for a pre-determined period of time like five, ten, or twenty years. If you want coverage that lasts for the rest of your life, opt for a whole or universal life insurance policy.
How much life insurance do I need?
The amount of coverage you need depends on the needs of your dependents. You want your dependents to be able to maintain their current standard of living after you pass away. The more dependents you have and the longer your dependents will rely on you financially, the more coverage you’ll need to buy.
What is a life insurance death benefit?
The death benefit is the amount your beneficiaries will receive if you pass away while your policy is still active. The higher your death benefit amount is, the higher your premium costs are likely to be.
If you want to explore our life insurance options in Ball Ground, GA, contact us at Sanford Group. We’ll help you find the life insurance policy to meet the financial needs of your family.
Commercial property insurance is an essential commodity in Ball Ground, GA. You especially need coverage if you own the land upon which your business sits. Many entrepreneurs in Georgia have commercial property insurance without understanding how such a plan works to benefit them. The Sanford Group can help you get the most out of your indemnity policy.
What does commercial property insurance do?
Much like home insurance, commercial property insurance helps pay for damages to the structure as well as equipment inside used to conduct business. The best indemnity plans also pay for supplies and inventory lost or damaged under covered events.
Some commercial property insurance plans cover lost or damaged property that does not belong to the policyholder. Such a perk is especially useful to entrepreneurs who lease equipment. You only need to show proof that the items are entrusted to your care to receive coverage from your insurance plan.
How do commercial property insurance policies work?
There are essentially two types of commercial property insurance coverage options:
- Replacement cost coverage, where your policy pays to repair or replace items with the same or comparable products;
- Actual cash value coverage, where your insurance plan pays the current value of the damaged item.
Actual cash value may not be the best option if your company has a lot of electronics. You will only get the market value of the items, which may not be much. Replacement cost ensures that you receive new products to compensate for the loss of damaged or lost items.
How much commercial property insurance do you need?
An insurance specialist at The Sanford Group can help you determine how much commercial property insurance your business needs to remain financially sound when the unthinkable happens in Ball Ground, GA. Call them today for a quote!
Agents of The Sanford Group understand that Ball Ground, GA is not known for earthquakes. Hurricanes, tornadoes, and other forms of severe weather are extremely common, but earthquakes are believed to be a West Coast problem. The fact is, Georgia is in an area that may eventually begin to experience this type of seismic activity. Having an insurance policy that covers earthquake damage will be beneficial in the long run.
Where Are Fault Lines Located
While everyone knows about the fault lines out west in California and the surrounding states, very few are aware if those that affect Georgia and other southeastern states. The major fault lines affecting this area are located in South Carolina and eastern Tennessee and stretch for several hundred miles along with the Smoky Mountain range. The fault lines are well known to those who live in the area, but if you are new to the area, you should learn as much as you can.
What Should You Be Aware Of
People who live in north Georgia experience minor earthquakes rather frequently. While most never rise above 2.5 or 2.7, they do occur. In one two year stretch, the area experienced 18 minor earthquakes. While these do not cause much damage, the possibility of a more intense earthquake is always present.
If you are a resident of Ball Ground, GA and would like to know more about your risks living in an earthquake-prone area, call the agents of The Sanford Group. They can show you where the fault lines and provide you with the information you will need to make an informed decision when it comes to purchasing earthquake insurance. Contact their office today so you can fully protect your home from significant loss if an earthquake does occur!
The Ball Ground, GA area can be a great place for anyone to work and live. While there are a lot of local benefits and amenities that come when you live here, owning a car is a necessity for more people. If you are going to purchase a vehicle here, you do need to get a proper insurance policy. There are several benefits that come when you get a full auto insurance policy here.
Insurance Provides Protection for Vehicle
One of the advantages that comes when you get an auto insurance policy is that it will give you coverage for your vehicle. Buying a vehicle is a big investment and you will want to ensure that it is as protected as possible. When you get auto insurance, you will get coverage to repair or replace your vehicle as long as you elect to receive collision and comprehensive coverage.
Coverage Provides Liability Protection
Whenever you drive a car, you are going to be taking on a risk that you could cause an accident. If you do cause an accident, it will be your responsibility to pay for all associated damages. Due to this risk, which could come with a significant financial penalty, having insurance is a necessity. A full auto insurance policy will give you the liability protection that you need to offset this concern.
When you are shopping for auto insurance in the Ball Ground, GA area, you should call the team at The Sanford Group. Choosing a policy can be complicated but The Sanford Group will make it much easier. When you speak with this team, you can receive a lot of guidance and support. This will ensure that you continue to be properly protected at all times.
Whether you enjoy taking your antique car for some tour around town or simply like it parked in your garage, finding the best coverage is a crucial step. You will want to purchase the best classic car insurance in Ball Ground, GA to protect your investment. If you need professional help, The Sanford Group is here to help you out. Here are a few tips for first-time classic car insurance buyers.
Know the qualifications for a classic car
Just because your vehicle is from the 1950s doesn’t mean it is qualified to be a classic car. There are specific qualifications to be met. Different insurance companies have their own ways of determining which car is classic and which one is not. However, there are general conditions such as:
- The car must be well-maintained and in good condition.
- The car must be more than 20 years old. Some companies accept even ten years.
- A classic ride is not for running errands. Most policies allow occasional use.
- Must be kept in a well-managed and secure garage
Focus on the totaled value
Antique vehicles, unlike modern cars, typically appreciate over time. That is why most companies offer coverage based on an agreed value with the policyholder. As the value of the car increases, the company should make changes to accommodate the new value.
You will need spare parts coverage
Any car owner can agree that car spare parts are not cheap. Imagine how the situation can be for antique cars, whose components may not be in the market. Stolen parts can be costly, especially if you buy them from your pocket, so consider carrying enough coverage for your spares.
Don’t forget to do your research and find out the value of your car and the amount insurance companies are charging in Ball Ground, GA. For more information, queries, quotes, or new policy discussions, contact The Sanford Group directly, and we will be happy to help.
Insurance coverage gives you the peace of mind of knowing that your assets are protected. Umbrella insurance is a type of insurance you can invest in that will ensure complete asset protection.
If you have questions about umbrella insurance in Ball Ground, GA, we’re here to help at The Sanford Group. The following are three questions to ask before you purchase an umbrella insurance policy.
What will umbrella insurance provide coverage for?
Umbrella insurance covers a wide variety of liability expenses. Umbrella insurance will usually provide coverage for damages resulting from personal injury, property damage, legal settlements, wrongful entry, slander, and more.
How much coverage do I need when I purchase umbrella insurance?
The amount of umbrella coverage that you need depends on the total value of your assets. You generally want to have enough umbrella insurance coverage to cover the full value of your net worth. This way, you protect everything you have.
What will it cost me to purchase an umbrella insurance policy?
The price of coverage for a particular consumer will vary depending on numerous factors. However, umbrella insurance is generally relatively inexpensive compared to other types of insurance coverage. In fact, umbrella insurance premiums are frequently as low as $20 per month. In some cases, umbrella insurance premiums could cost even less than this.
The only way to find out exactly how much an umbrella insurance policy will cost you is to get a quote. Umbrella insurance providers will typically provide a quote on a policy for a consumer with no commitment to purchase.
Are you interested in learning more about umbrella insurance coverage in Ball Ground, GA? Get in touch with us at The Sanford Group for answers to more of your umbrella insurance questions.