Author: agentinsure

3 Tips for Buying Auto Insurance in Commerce, GA

Posted on by agentinsure

With a population of just 6,544, Commerce, GA feels like a small town outside the big city of Atlanta. If you live in the Commerce area and just bought a new car or are looking to switch policies to try and save money, we have put together three tips to help you reach your goal – an inexpensive auto insurance policy that offers you the protection you want.  

Bundle

Insurance companies love it when you bundle all of your insurance policies with them. They love it so much, in fact, that they will typically offer a discount for customers who bundle their auto insurance, homeowner’s insurance, and other types of insurance altogether, including boat insurance, renter’s insurance, RV insurance, umbrella insurance, and more.  

Compare Quotes

The golden rule when it comes to saving money on auto insurance, or any type of insurance for that matter, is to compare quotes before making a decision. We also recommend going over the quotes with a reputable insurance agency such as us – just in case, there was something you missed.  

Choose a Reputable Insurance Agent

Using an experienced and trusted insurance agent is essential for making the right choice when buying auto insurance. Besides seeking out an insurance agent with outstanding credentials, work with someone whose personality clicks with yours. This can make the entire experience more enjoyable.  

To talk to a reputable insurance agent right now, contact Hyman Brown Insurance Agency, Inc. We have been in business since 1948 by helping customers with their insurance needs. You can reach an agent at Hyman Brown Insurance Agency, Inc. by calling us at 706-335-3900 or 888-264-5069. 

Commercial Property Insurance Explained

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Company owners who do business in Athens or Commerce, GA are not required by law to obtain commercial property insurance. However, they may be required to do so by their lender. Even when this is not the case, most business owners make a choice to purchase this coverage because of all the protection that it provides. You can also insure property that you are leasing and that is owned by somebody else and insure any number of buildings and finished additions that are part of the enterprise under which you conduct your business.

What is Included?

Your commercial property insurance policy will provide coverage for your machinery, tools, fixtures, and any other equipment you are using to conduct business. It is vital that your insurance provider is informed of the implements inside your building and that you also communicate the value of these possessions. A well-documented inventory is a key to receiving an accurate payout if you need to file a claim.

Explanation of Coverage

Coverage is provided against what are called specified perils and open perils. A specified peril is one that is mentioned by name, and these can include things, such as fire, vandalism, and damage by windstorms, and you can add specific things to your policy that you want to be covered. You can also be protected by open perils coverage, and this will include anything that has not been expressly excluded, for example, flooding and movement of the earth.

Hyman Brown Insurance Agency, Inc. is a Provider of Commercial Property Insurance

You can have your commercial property insurance needs met when you speak to the friendly and knowledgeable agents at Hyman Brown Insurance Agency, Inc. The agency has experience serving the residents of Commerce, GA, and you can call or stop by the office to get a commercial property insurance quote today!

Home Inventories Explained

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Homeowners in Athens or Commerce, GA are not required by state law to purchase homeowners insurance, but the bank with whom you hold your mortgage will most likely require you to insure your property. In order to protect your possessions, it is vital that you complete a home inventory. You will want to do this before disaster strikes because it is entirely possible that your valuables will be completely destroyed in the event of a fire or a tornado.

Taking a Home Inventory

Take photographs of your property from the outside and from different angles. Go through your home, and make a list of the things you own and how much they are likely worth. It is a good idea to take pictures of items that are of particular value, and you should also write down serial numbers. The record of this inventory should be kept in a safe location away from your home or in a fireproof safe, and it can also be uploaded electronically via an app.

Collect receipts where you can, and you should make sure that videos or photographs are time stamped. It is recommended that you make a video explaining details related to your valuables and that you update your personal inventory three times a year. Go through every room of your house, making a record of what you own, and do not forget to take inventory of the items stored in your garage, attic, basement, or cellar. Communicate with your insurance agent, and make sure your insurance is adequate to protect you against the financial loss of your possessions.

Hyman Brown Insurance Agency, Inc. Can Help You

The agents at Hyman Brown Insurance Agency, Inc. are skilled at providing the residents of Commerce, GA and the surrounding areas of Georgia with the homeowners insurance solutions they need. You can call the office or stop in to speak to an agent about the insurance package that is right for you. Also, try our online rating tool to get quotes on home and auto insurance.