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Jonathan Roberts Insurance Agency

Based in Canton, GA

All you need to know about motorcycle insurance

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Motorcycle insurance is similar to auto insurance, as it is mandatory in most states. The state of Georgia is not an exception. Even if it is not required, it is still worth having it for proper protection and peace of mind. There are certain specific features that motorcycle insurance has which is good for all bikers to know.

Things To Know About Motorcycle Insurance 

Here is a list of the most important facts about motorcycle insurance: 

  • There are certain factors that determine the cost of motorcycle insurance. These factors include the type of your motorcycle, your exact location, your age, credit score, and more. 
  • Motorcycle insurance has its limitations. That means that motorcycle insurance does not cover everything. For example, a track day is usually not covered by motorcycle insurance; you may have to buy separate insurance specifically for track days. 
  • It is illegal to ride without motorcycle insurance. As mentioned above, carrying motorcycle insurance is mandatory in the state of Georgia and other regions in the Southeast U.S. That means that riding without proper motorcycle insurance is illegal and is associated with penalties and other fees. The exact policy requirements might vary depending on the state, but you have to have at least the state’s minimum. 

Have Questions? Consult With Us

Just like auto insurance, motorcycle insurance also protects riders and their bikes on and off the road. It is mandatory in Georgia and also saves you a lot of money. If you live anywhere in the Southeast U.S. and are shopping for motorcycle insurance, Johnathan Roberts Insurance Agency is ready to help you find the policy you need. If you have any questions or want to know more about the insurance options Johnathan Roberts Insurance Agency offers, give us a call.

Why Every Boater Should Have Boat Insurance

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If you’re a boat owner, there are a lot of things that you need to do for your boat. One of them is to get and keep boat insurance. Boat insurance is necessary for many risks that you face as the owner of a boat. Many things can happen both on the water and off that can cause serious financial problems for you if you don’t have boat insurance. While this type of policy isn’t required in Georgia, it’s highly recommended that all boaters have it. To get your boat policy in the Southeast U.S., call us at Johnathan Roberts Insurance Agency in Georgia. 

Accidents on the Water

One of the main things that you may worry about on the water is getting into a boating accident. These are common accidents that can cause a lot of damage to the boats and cause injuries to their passengers. When you have boat insurance, it’s important to have at least some liability coverage. This covers someone else’s medical bills and other costs after you have been at fault for a boating accident. Without this insurance, you’d have to pay the medical bills on your own, and they can be sky-high. Bodily injury liability pays for the people in the other boat’s injuries, and property damage liability pays for the damage done to their boat. 

Comprehensive and Collision Coverage

Like auto insurance, you can also get collision and comprehensive insurance for your boat. Collision pays for your own boat’s repair bills after an accident. Comprehensive coverage pays for things that happen to your boat out of the water. Boats face a lot of risks, so it’s best to always be covered against them. 

Cover Your Boat

If you’re in the Southeast U.S. and own a boat, you need to call us at Johnathan Roberts Insurance Agency in Georgia to get boat insurance. 

Do I need umbrella insurance even if my small Southeast U.S.business isn’t worth much yet?

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Umbrella insurance offers a much higher level of protection than traditional insurance. You can get umbrella insurance to protect all your other assets, including your building, your equipment, and your vehicles. Umbrella insurance even protects you in other ways, such as if you are accused of slander or libel. But do you need umbrella insurance if your assets are small?

If you have a small business in Georgia, you know that you have the best of all worlds. From the environment to the people, living in the Southeast U.S. offers pleasant experiences every day. But sometimes the unexpected happens, and we at Johnathan Roberts Insurance Agency want to make sure you have the protection you need so you can move on from any unfortunate events.

Umbrella Insurance Usually Comes In Increments of $1 Million

That seems like a great number, but you may be wondering if it is necessary for you. Especially when your Georgia small business is new, your assets may not be large. With few employees and limited resources, you may decide to just take your chances and hope nothing bad happens.

Umbrella insurance is only there if you need it. For instance, if someone is badly injured by one of your products, the medical bills may go far beyond the limits of your regular liability insurance. Even if you have personally separated your personal resources from your business assets, you could lose the business entirely if you cannot handle the claim.

Expect the Unexpected

You worked hard to start your business. Even when your business is new, it may be your most valuable asset. If you want to find the best protection available in the Southeast U.S., call the Johnathan Roberts Insurance Agency today.

Why Flood Insurance is a Good Idea If You’re Not in a Flood Zone

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Your home is not in a flood zone. You live far away from a river or lake, so why should you consider getting flood insurance? Several reasons should make you consider flood insurance even if you are not in a designated flood plain. Other areas can quickly flood, producing significant damage to your home that could cost hundreds of thousands of dollars. Most homeowners’ insurance policies don’t cover floods. Johnathan Roberts Insurance Agency serving Georgia and the Southeast U.S., can help guide you on why you need flood insurance.

Current FEMA Flood Maps are Inaccurate

Perhaps the most compelling reason to buy flood insurance is that current maps from the Federal Emergency Management Association (FEMA) are inaccurate as they have not been updated in several decades. FEMA has acknowledged this shortcoming and has promised to update its maps, but meanwhile, many homeowners think they aren’t in danger of flooding. When they eventually come out, new maps are expected to include many urban areas. If your area experiences excessive standing water after considerable rains, you may be in danger of severe flooding.

Excessive Rain From Hurricanes and Tropical Storms

Although our area of Georgia is well inland from the Atlantic and Gulf coasts, tropical storms frequently move inland. Even though many lose considerable strength over land, they can still produce excessive amounts of rain, which can cause catastrophic flooding. Having protection against such events is essential. Houses near rivers and in low-lying areas are most at risk.

If you’re worried about potential flood damage from tropical storms and hurricanes, get peace of mind with a flood insurance policy. Johnathan Roberts Insurance Agency, serving the Southeast U.S., can advise homeowners on the appropriate level of flood insurance for their property.

Cruising with Coverage: Get Classic Car Insurance in Georgia

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Proud owners of classic cars in the Southeast U.S. appreciate the timeless beauty of their vintage autos that turn heads and attract attention for miles. But how do you protect your investment?

The classic car insurance pros at Johnathan Roberts Insurance Agency can help you choose the best auto insurance coverage options to protect your classic or vintage automobile in Georgia!

Why You Need Classic Car Insurance in Georgia

If you’re a classic car owner in the Southeast U.S., you may be surprised to learn that standard auto insurance is not enough to safeguard your most prized possession. Most classic cars require specialized coverage that extends beyond the limits of traditional auto insurance policies.

Safeguard your classic car from auto accidents, natural disasters, or other unexpected perils that can damage your vehicle and your finances if you get stuck paying for out-of-pocket expenses related to an accident. 

What Does Classic Car Insurance Typically Cover?

Agreed Value Coverage

Vintage cars can increase in value over time, which traditional auto insurance doesn’t cover. Agreed Value Coverage gives classic car owners full protection for their vehicle based on its classic value agreed upon at the time of implementing a classic car insurance policy. 

Comprehensive Coverage

When you get comprehensive coverage for your classic car, you extend the limits of your policy to cover non-collision-related damages like theft, vandalism, fire, or damage caused by natural weather events. 

Spare Parts Coverage

Replacement parts for classic cars can be hard to find and expensive. Many classic car insurance policies offer spare parts coverage for replacement parts from the original manufacturer, OEM parts, and modifications. 

Don’t wait until it’s too late!

Contact the classic car insurance experts at Johnathan Roberts Insurance Agency to learn more! 

Tips for enjoying your new motorhome

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Are you the proud new owner of a motorhome here in Georgia or in the Southeast U.S.? Congratulations! Motorhomes are an exciting way to explore the world and can provide endless opportunities for adventure. To help ensure your journey is as enjoyable as possible, here are some tips from us at Johnathan Roberts Insurance Agency for enjoying your new motorhome.

Tips for enjoying your new motorhome

1. Make sure to plan ahead.

Before you hit the road, take time to map out your route and plan any stops or attractions that you may want to visit along the way. This will help reduce stress and ensure that you make the most of your trip. 

2. Stock up on essentials.

You don’t want to get stuck in the middle of nowhere without basic supplies like food, water, and toiletries, so make sure you stock up before you venture out. 

3. Get familiar with your vehicle.

Take time to become familiar with all of the features of your motorhome, including how to start/stop it, operate its lights/windows/door locks, and turn on/off electricity/water/gas supplies. 

4. Stay organized while traveling.

Keep important documents like registration forms and insurance policies in an easily accessible location so they’re ready when needed during travel or at rest stops along the way. 

5. Regularly maintain your RV’s systems and engine(s).

Regular maintenance is essential for keeping your motorhome running smoothly and safely on the road — be sure to regularly check oil levels, tire pressure, brakes, and other parts as needed. 

Reach Out To Us

By following these tips for enjoying a motorhome, you’ll be able to maximize the joys of this unique travel experience! To get an updated insurance policy for your new motorhome, give us at Johnathan Roberts Insurance Agency a call today. We are proud to serve all of Georgia and the Southeast U.S.

What type of insurance coverage do we need to travel full-time in our RV?

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When traveling the Southeast U.S. full-time in your RV, ensuring you are properly protected both in and out of Georgia is important. Johnathan Roberts Insurance Agency recommends considering several types of insurance coverage when living and traveling in an RV.

RV Insurance Coverage Options

The first type is Liability Insurance – this helps protect you against any property damage or personal injury claims related to using your vehicle. In addition, consider Uninsured and Underinsured Motorist Coverage, which helps cover costs incurred by you due to accidents with other drivers without insurance.

Another type of coverage to consider is Comprehensive Insurance – this covers damage to your RV caused by fire, theft, or vandalism. If you are traveling full-time in the Southeast region of the United States, be sure to check that your policy covers Georgia specifically.

Collision Insurance helps cover any damage caused to your RV in an accident with another vehicle or object. This type of insurance is important if you plan on taking your RV across state lines.

It is also important to consider additional coverage such as roadside assistance, vacation liability, and personal effects coverage for items inside the RV when selecting an appropriate insurance policy for a full-time RV lifestyle. 

Reach Out To Us

When traveling full-time in your RV, it is essential to ensure you have the right amount of coverage – so take the time to research and speak with one of our experienced insurance agents about what policies are best suited for your situation. Proper protection lets you enjoy peace of mind and a worry-free journey throughout the Southeast U.S. and beyond! Contact Johnathan Roberts Insurance Agency in Georgia if you have more questions. We are here to help.

What Are The Most Common Motorcycle Insurance Claims?

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Motorcycle accidents may be highly dangerous, so having the proper insurance in place is critical. Accidents happen all the time, and not all of them are the result of negligent driving. It’s not always terrible luck or something beyond your control.

Here are some of the most common motorbike insurance claims:

Accidents Involving Pillion Passengers

Pillion passenger accidents are one of the most common motorbike insurance claims. In an accident, the person riding on the back of the motorcycle is harmed. Accidents of this nature are frequently caused by the rider losing control of the motorcycle or by other cars on the road. If you’re riding as a pillion passenger on a motorcycle, you should always wear a helmet and be mindful of your surroundings.

Accidents With Other Vehicles

A collision with another vehicle is another typical sort of motorbike accident. These types of incidents are frequently caused by other drivers failing to notice the motorcycle or being inattentive. If you are involved in a collision with another vehicle, you should get medical attention right once and contact a motorcycle accident lawyer.

Road Risks

Road hazards are one of the most typical motorbike insurance claims. Potholes, rubbish, and even animals are examples of this. If you hit something while riding your motorbike, it is critical that you file a claim with a reputable insurance firm like Johnathan Roberts Insurance Agency, we’re serving Georgia and the Southeast U.S. Otherwise, you may be forced to pay for repairs out of your own cash.

Weather-related Damage

Weather damage is another popular claim. If severe weather damages your motorcycle, you may be able to file a claim with your insurance company. This could include hail damage, wind damage, and even floods.

Theft

Unfortunately, robbers frequently target motorcyclists. You may be able to file a claim with your insurance carrier if your motorcycle is stolen. You may even be able to acquire a replacement bike in some situations.

Contact Us Immediately

We see a lot of claims for property damage, bodily injury, and theft here at Johnathan Roberts Insurance Agency – we serve Georgia and the Southeast U.S. However, regardless of the nature of the claim, it is critical to have adequate insurance coverage to protect you financially in the event of an accident or other misfortune. We can assist you in obtaining the coverage you require so that you can rest and enjoy the voyage.

Three Things To Do When You Need Boat Insurance

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If you want to be financially secure as a boat owner, you should get a boat insurance policy. Boat owners in the Southeast U.S. can get boat insurance from Johnathan Roberts Insurance Agency.

When you need to purchase a boat insurance policy in Georgia or the Southeast U.S., there are a few things you must remember.

The following are three things to do when you need boat insurance:

Determine which navigational areas you want to be insured for.

One of the most important things boat owners should understand about boat insurance is that policies typically limit coverage to a specific navigational area. When you buy boat insurance, you must tell your insurance company where you intend to use your boat and where you need coverage.

Learn about the different types of boat insurance.

A boat insurance policy can provide a variety of coverage options. There is coverage for liability, physical damage, uninsured/underinsured boater, hull, and fuel spill liability.

When purchasing boat insurance, you must first understand the various types of coverage available and then decide which ones you want.

Get quotes on boat insurance policies.

When it comes to choosing a policy, it’s always a good idea to get quotes from several boat insurance providers. This allows you to compare prices and find a policy with competitive rates.

Contact Us Today

If you live in Georgia or the Southeast U.S., let us help you find the right boat insurance policy for you. At Johnathan Roberts Insurance Agency, we can guide you through the process of finding a policy that meets all of your needs. When you’re ready to get a policy quote, you can reach out to us via email or phone.

Umbrella Insurance is Additional Liability Coverage for Protection of Your Assets

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In the event of a lawsuit, do you have enough liability coverage to protect against the potential financial fallout that can result? Do you live in Georgia or the Southeast US? If so, the Jonathan Roberts Insurance Agency can help provide this important liability coverage.

Why Umbrella Insurance?

An unexpected event can lead to property damage or an injury that leaves the policyholder liable. Umbrella insurance will take effect when other forms of insurance, such as homeowners or auto, have exhausted their liability limits.

To determine the appropriate level of coverage for your needs, you need to consider the total value of the assets that need protection, the impact a future income loss will have, and the perceived scope of the risks you could face.

What exactly is umbrella liability coverage?

It is also known as personal liability or excess liability insurance. This coverage does not stand alone. It is a supplement for other insurance policies you already have, such as homeowners, renters, or auto insurance. Its purpose is to kick in after the liability coverage on those policies has been exhausted.

If you are involved in a lawsuit, the amount of the settlement may exceed the limits of your current policies. That is when umbrella liability insurance begins to pay. The financial protection it offers comes into play under extreme circumstances, at the same time protecting all of your assets against possible loss.

In some cases, umbrella policies can be written to provide a more extensive form of coverage not found in other policies, such as slander or libel, and can help with the legal fees associated with it.

Give Us A Call

If you are among the fortunate ones that have accumulated assets and wealth, make sure you have enough liability coverage to safeguard them. Jonathan Roberts Insurance Agency can provide answers to questions or a quote to help determine how much coverage will meet your needs in Georgia and the Southeast US. Contact us today.

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