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The Sanford Group

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

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Ball Ground, GA 30107

The Sanford Group Insurance Blog

Why does anyone in Georgia need to have home insurance?

Anyone that is looking to invest in their future and wants a stable place to call home in the Ball Ground, GA area should consider owning a home. As you are looking for a new home to buy, you also need to make sure that you pick the right insurance plan for it. A home insurance plan is going to be needed for various reasons. 

Coverage is Required

One of the reasons that people should get a home insurance plan is that it is a requirement in many cases. A lot of property owners are going to be required to maintain home insurance by their mortgage lenders. Further, if your home is located within a larger home association, you may be required to maintain certain levels of coverage to be in compliance with the agreements you signed. 

Coverage Protects Property and Owner

Those that are going to buy a home will also want to have a home insurance plan will also need to have coverage due to the protections that it can provide. When you have home insurance, you will have adequate coverage for your home and personal assets. Further, you will obtain personal liability insurance coverage. This will ensure you have support if you are named liable in an accident that results in damages. 

As you are looking for a new home insurance plan in the Ball Ground, GA area, you will want to know that you have proper insurance support. One way that you can ensure you know what your needs and options are, it would be a good idea for you to call The Sanford Group. The team with The Sanford Group will give you guidance that can help ensure you build a plan that is ideal for your situation. 

How Home Insurance Protects You

Owning a home is a lot of responsibility, and part of that responsibility is to get a good home insurance policy and to carry it for as long as you own your home. It’s always a good idea to have this coverage in case the worst should happen and there are problems that your home insurance can pay for. If you need a home insurance policy, call us now at The Sanford Group in Ball Ground, GA.

House Protection

Home insurance is a major way that you can protect your home itself. If a major incident happens to it and it is damaged or destroyed, your home insurance can pay for the needed repairs. It can even pay to have the entire house rebuilt if it’s needed. Your home is a serious investment, so it’s important to have serious protection for it. Few people could afford to pay for major repairs on their own, and home insurance makes it possible to get those repairs. 

Protection for Belongings

Most, if not all, of your belongings, are likely in your home. Those belongings also represent a significant investment, and they also need to be covered. When you have home insurance, your possessions are covered along with the home itself. It’s best to have this protection in place so that you don’t have to replace whole rooms full of items by yourself. This is valuable coverage that will come in handy if the worst should happen. 

Get Home Protection

Home insurance is generally required by your lender in case something happens to your home. Even if it isn’t required for you, the responsible decision is to get it. If you own a home and need home insurance, or you want to choose a different carrier, call us today at The Sanford Group in Ball Ground, GA.

How to Buy Home Insurance in Georgia if You Are a New Homeowner

When you are a new homeowner in Georgia, you will be overwhelmed with every little detail. Your home insurance shouldn’t be one of them. Buying a home is an exciting time. Every home insurance has some standard elements to it, but you can customize it to your heart’s content. 

At The Sanford Group, we want you to enjoy every minute. We can help first-time homeowners in Ball Ground, GA get the home insurance they need when they are buying a home for the first time. 

Learn the basics here, and we’ll help you with the rest. 

Interior and Exterior Damage

If your home or property is damaged due to fire, lightning, weather, or vandals, your dwellings coverage will cover the damage. You can make a claim on your home insurance for it to be covered.

Your property and contents of the home and other buildings (such as a garage or a shed) will also be covered by your home insurance. Your home insurance policy will cover your personal items and contents by a percentage.

So, you might see contents coverage valued at 50 percent of the value of your home. When you have a loss of items in your home due to a major crisis, you can make a claim for those lost items.

General Liability Coverage

When you own a home, you have a lot of assumed risk. If something happens at your home or from your home, an accident at a party, an injured contractor, a dog bite, anything like that, you could be held liable.

The general liability coverage will cover you for these crises. It will cover the medical expenses and potential legal costs of a liability expense.

Get a Quote

This is just the skeleton starting point of what you will need or want when you get home insurance. You can always add on with sewer backup coverage, flood insurance, and customize your policy to meet the needs of your home. At The Sanford Group, we can help you to get the right coverage that you need when you are a first-time homeowner in Ball Ground, GA. Call us for a quote today.

Keeping your home safe when you are away

When you are away from home, knowing your home is safe makes it easier to relax and concentrate on the reason you are away. Whether it is a much-needed vacation or a business trip having a good home insurance policy makes leaving home less stressful. In Ball Ground, GA at The Sanford Group, we are committed to customer service. As independent agents, we work for our customers, not one carrier and we will do everything we can to get you the best policy at the best price. 

Don’t announce your plans

Avoid the temptation to go on social media and tell everyone about the wonderful vacation you are taking or the business trip you are going on. It is too easy for that information to get into the wrong hands. Don’t post selfies of you on the beach etc. or complain about the weather in another location. You can update your family in a text or a phone call without alerting the entire world. 

Stop your mail

Don’t allow your mail and packages to accumulate while you are away. You can stop your delivery by going to the USPS website and filling out a hold mail form. Stop your mail at least a day early so you can be sure your carrier has received the notice.

Make friends with your neighbors

Your neighbors are one of the best ways to make sure nothing unusual is happening at your home while you are away. This is one occasion when having a nosy neighbor can come in very handy.

Set the alarm

This goes without saying but make sure all your windows and doors are locked and you set the alarm if you have a home security system. 

In Ball Ground, GA The Sanford Group looks forward to helping you with all your home insurance needs. 

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.

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. 

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.

3 Ways to Prepare Your GA Home For the Summer Heat

Living in Ball Ground, GA, our clients are aware of the steaming summer heat that is inevitable. At The Sanford Group, we want our clients to prepare their homes from the summer heat and stay cool through the warmest months. 

Invest in Ceiling Fans

Head over to your local hardware stores for ceiling fans in the rooms you frequent the most. Although you have an AC unit, some days in the summer will reach temperatures that are hard for your AC to keep up with. The assistance of ceiling fans spread the cool air and give the AC unit a chance to catch up and not wear out as quickly. 

Darkening Curtains

You can purchase darkening curtains for your home. They are designed to eliminate sunlight and heat from coming into your home. This keeps the cool air inside your home and keeps your air conditioning from overworking on the hottest of days. With your air conditioning working less, it will help with utility expenses throughout these months. 

Inspect Your Windows

Over time, harsh weather can damage your windows, allowing cool air to escape and external heat to enter your home. This is very common in older homes that have original windows. If this sounds like your house, it is time to inspect your windows. If they are not properly insulating your home, they need to be replaced so that you can keep the warm air out of your home this summer. 

Call Us Today!

If you are looking for a new home insurance policy or just want to see what your options are, call us at The Sanford Group today. We proudly serve clients living in and around Ball Ground, GA. We look forward to assisting you with your home insurance needs. 

What is the Benefit of Getting Home Insurance in Ball Ground?

Buying a home can be a great long-term financial decision for people all over the Ball Ground, GA area as it provides a variety of benefits. At the same time, it is a very major asset that you need to properly cover with insurance. There are many benefits that come when you get a home insurance policy for your Ball Ground home. 

Protects Your Valuable Asset

One of the main reasons to get a home insurance policy on your Ball Ground property is because it will protect your very valuable. Your home is going to be the most valuable asset that you will ever own. Due to this, you should protect it as well as you possibly can. A great way to do this is by getting a quality home insurance policy that protects against many different risks.

Gives Protection for Liability

Property owners also need to think about the increased risk of liability that they have once they own a property. Since you own an asset that has equity, you have more to lose. Due to this, you need to make sure that your are properly covered for liability insurance. When you have a home insurance policy, it is going to include liability insurance that will ensure you have protection in the event you are found liable for an accident in your home. 

There are plenty of benefits that come when you get home insurance for your property in Ball Ground, GA. When you are going to buy a home or are evaluating your home insurance needs, you should call The Sanford Group. The insurance professionals at The Sanford Group can help you to better determine the right type and level of coverage that you need for your home insurance coverage. 

Make Your Home Sparkle for the Holidays

With the holidays fast approaching, now’s the time to start sprucing up your home to receive holiday guests. A sparkling clean home will make a good impression on family and friends when they come over for festive occasions. Here are a few tips from The Sanford Group on how you can make your Ball Ground, GA home shine for the holidays.

Light Up Your Entry Way –  A welcoming entryway will make guests feel at home. Christmas lights around the entryway and a beautiful wreath on your door will add holiday cheer to your home and set the stage for festivities to come.    

Make Your Kitchen Shine – As the kitchen is a popular hub for family gatherings, take time to clean and organize this area from top to bottom. An attractive, orderly kitchen makes an inspiring place to gather for cooking, munching on snacks or socializing with friends and family.  

Ready Restrooms – Deep clean your bathrooms and test drains and toilets to make sure these fixtures are working properly. Place tissue boxes, toilet paper and paper towels where they can be easily found by guests when needed.     

Declutter – Declutter living spaces to beautify your home and make room for guests to socialize. Wash curtains and windows and professionally clean the carpet. Place scented holiday candles in key locations to give your home a refreshing aroma.      

Decorate with Flair – Put up a tree and colorful decorations throughout your home to give it that festive touch. Holiday décor sets the mood for festive occasions and adds warmth and charm to a home environment.   

When planning holiday events, don’t neglect to review your home insurance to make sure you’re fully protected against holiday accidents. For greater insight into how home insurance can keep you safe this holiday season, contact The Sanford Group in Ball Ground, GA.

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