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.
Flood insurance is a type of insurance that many people don’t think much about. Of course, if they were to go through a flood, they would think about it a lot. That’s why it’s so important to have a flood insurance policy. In the Southeast US, floods happen quite often. If you’re in Georgia and you don’t have flood insurance, call us at Johnathan Roberts Insurance Agency to find out more.
Flooding and Flood Zones
There are many areas of the country, especially in the Southeast US, that are designated as flood zones. There are different types of flood zones, depending on how often the area tends to have flooding. Some are 20-year flood zones, some are 50-year flood zones, etc. However, not all flooding happens inside these zones. Among all flood claims, about 20% originate from outside any flood zone. That makes it important for everyone to have flood insurance. Flooding can happen in unlikely places, and this happens all the time.
The National Flood Insurance Program
In the U.S., flood insurance is backed by the government through the National Flood Insurance Program. This program guarantees funds for flood damages. This program also sets the price of flood insurance. No matter where you go to look for a flood policy, it will always be the same price. That makes it easy to get this type of insurance without having to shop around for the best price. And because it has government backing, it’s a solid insurance product that is important to have for anyone who owns a home.
No matter what your flooding risk is in Georgia, flooding can occur. Be ready by having your own flood policy. Call us at Johnathan Roberts Insurance Agency to get started with a flood policy of your own.
When you are ready to insure your condo, Johnathan Roberts Insurance Agency in Georgia, serving Southeast US residents, is here for you. We are an independent insurance agency, which means we work for you, and we will make sure that you get the right coverage for your particular condo.
Condo Insurance Basics
Building coverage for a condo is slightly different from a freestanding home. The condo association has a master policy that covers the parts of the building that it owns. That includes the roof and exterior of the building as well as things like a porch or a deck and any common areas. How far into your unit it covers and what exactly it covers is important to know before you get your own condo insurance.
Content coverage covers the things that you bring into the unit. This is your clothing, furniture, decor, electronics, and everything you use to cook and store things. You have two options for the type of content coverage you have; current value and replacement cost. The current value is what it’s worth with depreciation and replacement cost is what it would cost to buy that item today.
The condo association covers the common areas and parking lot, but you are responsible for any injuries inside your unit or injury caused by a member of your family.
Loss of use coverage
What would you do, and where would you go if your condo was damaged so badly that it is not habitable? How would you pay for it? If you have condo insurance, you will be able to go to a hotel for a short stay and, for a longer one, a rental.
Give Us a Call
Contact Johnathan Roberts Insurance Agency in Georgia when you want to discuss your condo insurance needs. We happily serve the community in Southeast US.
Home is your safe place. Making sure that your safe place is really safe is essential to your security and safety. Safety means different things to different people and, whether it is from threats outside or inside your home, all of them can be addressed with a few simple steps. In Georgia and the Southeast US, you can turn to the Johnathan Roberts Insurance Agency to provide home insurance that will protect your home from many perils that threaten it.
Tips for having a safe home
Falls in the home pose a real danger. According to the CDC, one in five falls in the home results in a serious injury like a broken bone or a head injury. One in four people over 65 years of age will have a serious fall every year. Falls are the most common cause of traumatic brain injury. Pretty scary stuff and having clutter in your home greatly increases the risk of falls. Never keep anything on your stairs and make sure that you have good lighting so that you can see what might trip you up.
Change your smoke detector batteries
Every six months you should change the batteries in your smoke detector and you should make sure that you check them monthly to make sure they are working. The warning provided by a smoke detector can save your life. If you have a furnace, a carbon monoxide detector can also save lives.
Secure medication and poison chemicals
Children are inquisitive and they are also very resourceful. Make sure any medication and poisonous chemicals are located in a place where they can not reach them. Kids climb, so having cabinet locks is also a great idea to keep your children and grandchildren safe.
Get Coverage For Your Home
Contact Johnathan Roberts Insurance Agency, serving Georgia and the Southeast US, to provide the home safety information you need.