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Why You Need Liability Coverage in Your Renters Insurance Policy

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When you rent your home, it’s important to have the insurance you need to protect yourself. Your landlord’s insurance won’t cover your property; it only covers theirs.

There are many types of coverage inside a renters insurance policy. One of these is liability coverage to protect you against accidents on your property. It’s vital that you have this coverage because accidents can happen, and they can be costly. 

The Cost of Accidents

There are a lot of costs associated with accidents that happen on your property, and an accident can happen at any time. If someone is on your property and falls or is otherwise injured, you could be looking at a mountain of medical bills. However, that isn’t the end of the costs. You may be responsible for legal fees, ongoing therapies, and lost wages for the injured person. All of these costs can be more than most people can afford after an accident. That’s why it’s so important to have renters insurance with liability coverage. It can pay for all of these expenses so you don’t have to.

Peace of Mind

Renters insurance can give you peace of mind, knowing that you are protected in case of an accident. You don’t have to worry every time someone is in your home. Whether it’s friends, extended family, colleagues, or workers, you will know that you’re covered.

Get Renters Insurance

When you are a renter, you need to have renters insurance on day one. To get started with a policy, contact us at TruePoint Insurance. We’re currently serving Pooler, GA.

Cold Weather Risks on the Road: How TruePoint Insurance Helps Pooler Motorhome Owners Stay Covered

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Winter driving isn’t just a challenge for folks up north. Here in Pooler, GA, a single cold snap can turn an easy drive into a nerve-wracking experience. Motorhomes, with their massive weight and height, amplify every hazard. Let’s face it: one overlooked crack or a slippery sheet of ice on I-95 can derail your weekend plans, or worse, your insurance coverage.

When Roads Turn Against You

Black ice, freezing rain, and gusty winter winds affect heavy vehicles like RVs differently. Braking distances can stretch unpredictably, steering may feel sluggish, and falling branches from overloaded trees can damage parked RVs. These aren’t rare occurrences—they’re common challenges RV owners face in coastal Georgia. The real question is: if the unexpected happens tomorrow, are you properly covered?

Off-Season Isn’t a Free Pass

One common mistake RV owners make is thinking, “It’s parked, so I’m safe.” However, Georgia law requires registered motorhomes to maintain active liability coverage, even while in storage. If your coverage lapses, the state can suspend your registration or impose fines. TruePoint Insurance helps Pooler, GA RV owners adjust their coverage to ensure their motorhomes are protected without breaking the bank.

Cold Weather Damage Runs Silent

What’s the big deal? It’s just a little colder, right? Not quite. Batteries drain faster, rubber seals stiffen, and fluids thicken in cold weather. These small issues can stack up and lead to major breakdowns. But internal damage isn’t the only concern. A fallen limb, a burst pipe, or a break-in while you’re away can also cause significant damage to your motorhome. Comprehensive coverage is designed for these unexpected moments, but only if it’s set up properly before winter arrives.

A Winter Plan, Not a Guess

At TruePoint Insurance, we don’t just “sell you a policy.” We work with you to create a winter plan tailored to your needs. We review your current coverage, match it to your actual usage, and identify gaps you may not be aware of. Call us today to put a winter plan in place for your motorhome. Don’t wait until the next cold front arrives.

Does Motorcycle Insurance Cover Property Damage?

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When you think about motorcycle insurance, do you picture it covering just injuries or maybe fixing your bike? That’s part of it, but there’s another side many riders forget: property damage liability. In Georgia, this coverage helps pay if you damage someone else’s car, knock down a fence, or even clip a storefront. Without it, you’re writing the check yourself, and that can get costly fast. Your agent at TruePoint Insurance in Pooler explains:

What’s Actually Covered

Here’s the catch: property damage liability covers the other person’s property, not your motorcycle. So if you dent another driver’s door or take out a mailbox, your insurance steps in. But if your bike is the one that’s banged up, you’d need collision coverage. Too many riders assume “property damage” includes their motorcycle, only to find out the hard way that it doesn’t.

Georgia’s Insurance Requirements

By law, Georgia riders have to carry at least $25,000 in property damage liability per accident. That might sound like plenty, until you imagine totaling a luxury SUV or causing a multi-car pileup. Costs can blow past the state minimum quickly, leaving you on the hook for the difference. That’s why a lot of riders bump up their limits for added security.

Why Reviewing Your Policy Matters

Policies aren’t one-size-fits-all. The right coverage depends on how often you ride, where you go, and what risks you’re willing to take on. Talking through your policy with a knowledgeable agent is the easiest way to avoid gaps. Because at the end of the day, motorcycle insurance isn’t just about protecting your bike, it’s about protecting your wallet when life takes a sharp turn.

Have questions? We’ve got answers. Get in touch with your motorcycle insurance representative at TruePoint Insurance, serving Pooler, GA, today to make sure you have the coverage you need.

How Business Interruption Insurance Works

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One of the biggest concerns for business owners in Pooler, GA, is the potential impact if their company cannot operate for an extended period. Without income, many businesses could face closure through no fault of their own. Fortunately, business interruption insurance can help mitigate this risk. The agents at TruePoint Insurance can guide you on how to include it as part of a new business owner’s policy (BOP) or as a standalone insurance policy.

Protection Against Income Loss

Business interruption insurance protects against income loss when your business cannot operate due to a covered peril. Common covered risks include theft, fire, wind, lightning, or falling objects. This type of insurance goes beyond covering operational expenses. Most policies provide funds for the following:

  • Lost revenue
  • Mortgage, rent, and lease payments
  • Loan payments
  • Taxes
  • Payroll
  • Relocation costs
  • Extra expenses for temporary rental facilities

Business Interruption Restoration Period

Your policy will specify a restoration period, which is the duration your policy will cover lost income. This period typically lasts 12 months, although some carriers may allow you to extend it for an additional fee. Policies also generally include a waiting period of 48 to 72 hours after an incident before coverage begins. Timely repairs are crucial, as delays in restoration could potentially affect your loss of income payments.

What This Policy Doesn’t Cover

Like most insurance policies, business interruption insurance has exclusions. It will not cover the following:

  • Broken items
  • Damage caused by earthquakes or floods
  • Undocumented income is missing from your financial records
  • Utilities
  • Shutdowns resulting from communicable diseases

Learn more about how your company can benefit from business interruption insurance. The agents at TruePoint Insurance, serving Pooler, GA, are happy to explain how this coverage works. Call our office today to get started.

Will Auto Insurance Cover Parking Lot Accidents?

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Parking lots are more dangerous than many people realize. According to the National Safety Council, about one in five accidents occurs in parking lots, totaling approximately 50,000 annually. But will your insurance cover the damages?

Parking Lots Are Private Property

There’s a common misconception that insurance doesn’t cover parking lot accidents in Pooler, GA because most parking lots are considered private property. However, this is not true. Most auto insurance policies extend coverage to private property, including accidents that happen in parking lots or driveways.

Type of Insurance Coverage

The type of insurance coverage you have and the nature of the accident determine whether your insurance will cover the damages.

Liability insurance, which is required in most states, covers damages to the other person’s vehicle if you are at fault. However, it won’t cover damage to your own car, such as in a hit-and-run incident in a parking lot.

Comprehensive coverage can help if your car is hit while parked, while collision coverage provides protection in the event of an accident. Many drivers work with insurance companies like TruePoint Insurance to obtain comprehensive coverage, ensuring they’re protected no matter what happens.

Determining Fault

Who is at fault in a parking lot accident determines whose insurance will cover the damages. If two moving vehicles are involved, the police can analyze local laws and determine fault. Don’t believe the myth that parking lot accidents are automatically split 50/50; this is not true.

Generally, if one car is parked, the moving vehicle is considered at fault. However, you’ll still need a copy of the police report for insurance purposes.

Insurance agents at TruePoint Insurance can help you better understand your policy and when you’re covered. Contact us today to learn more about the different levels of coverage available. We’re proud to serve the Pooler, GA area.

When Will Home Insurance Cover Roof Damage?

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Your roof is your home’s first line of defense against the elements, so when it’s damaged, it’s only natural to wonder if your insurance will step in to help. At TruePoint Insurance in Pooler, GA, we frequently receive questions from homeowners seeking to understand their coverage, particularly regarding roof repairs or replacements.

Damage from the Unexpected? You’re Likely Covered

In most cases, home insurance will cover roof damage caused by sudden, unexpected events. Think things like windstorms, hail, lightning strikes, or fallen trees. If a storm rolls through and shingles go flying or a branch crashes into your roof, there’s a good chance your policy will help cover the cost to repair or replace the damage.

Wear and Tear? Not So Much

Here’s where it gets a bit tricky. Insurance isn’t designed to cover routine maintenance or aging. If your roof is simply old and starting to leak due to years of exposure, that’s typically considered normal wear and tear, and it’s not covered. That’s why regular inspections and upkeep are so necessary. A little preventative care now can save you a lot of headaches later.

Know Your Policy—and Your Roof

Not all policies are created equal. Factors like the age of your roof, the materials used, and your policy’s specific terms can all affect how much your insurance will pay. Some insurers may even offer partial coverage or a depreciated payout if your roof has some years on it.

Let’s Talk About Your Coverage

If you’re unsure about what your home insurance covers, don’t wait until the next storm hits. Contact TruePoint Insurance in Pooler, GA, today. We’re here to help you understand your policy and protect what matters most, starting at the top.

Full-Time RV Living? Insurance You Didn’t Know You Need

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At TruePoint Insurance, we’ve observed a growing trend of people trading traditional homes for life on the road. Full-time RV living offers a sense of freedom and a break from conventional lifestyles. However, before you embark on your journey with your mobile home around Pooler, GA, it’s crucial to understand the unique insurance considerations that come with it.

Your RV Is More Than Just a Vehicle

Many people perceive an RV merely as a means of transportation from one location to another. However, if you’re living in it full time, it’s also your residence. This changes everything. A full-time RV lifestyle requires more than just standard auto insurance, from its usage to the daily risks you face. We work with RVers to ensure their unique lifestyle is adequately covered. This includes helping you understand protections you may not have even considered, such as liability situations or the impact of residing in different states for extended periods.

Protection Requires Planning

A solid plan is beneficial regardless of the adventure life takes you on. Whether you’re staying long-term at a campground or taking a cross-country trip, your risks change with each location. Having a knowledgeable insurance partner who understands full-time RV life can significantly impact your preparedness.

Discuss Your RV Lifestyle With Us

At TruePoint Insurance, we assist people who drive recreational vehicles around the Pooler, GA, area in securing the insurance they need. Whether you’re already living full-time in an RV or planning to, we would love to help you get the insurance you need. Contact us today, and let’s ensure your next adventure starts with the assurance you deserve.

Georgia Law Requires All Motorcycle Riders to Wear a Helmet

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Ensuring your financial security while riding your motorcycle in and around Pooler, GA, requires more than just excellent motorcycle insurance from TruePoint Insurance. You must also be aware of and adhere to the many Georgia laws relating to motorcycles, such as its comprehensive helmet law.

Helmet Law in Georgia for Motorcycle Riders and Passengers

Georgia law mandates that the motorcycle rider and all passengers wear a helmet. This differs from other states, so if you’ve recently moved, make sure to shop for an extra helmet before you give anyone a ride. You and your passenger must wear helmets whenever riding a motorcycle.

Only High-Quality, Motorcycle-Specific Helmets Are Allowed

The state’s law further specifies the type of helmets suitable for wear. Does yours meet state law standards? In some other states, riders can wear a military helmet or one passed down from a grandparent or parent. However, these older helmets don’t benefit from the latest technology in design, and they don’t protect from head injury the way modern helmets do. Georgia law specifies which helmets a motorcyclist can legally wear, and this law applies to the helmet provided to a passenger, too.

Contact Us Today

At TruePoint Insurance, we strive to ensure that your motorcycle insurance provides you with financial protection from loss. Through our blog, we also aim to ensure that you are aware of the relevant motorcycle laws before you hit the roads of Pooler, GA, and all points beyond. Call or email us today to schedule a motorcycle insurance review. Ensure you have appropriate motorbike insurance coverage and riding gear before the riding season begins.

Remote Work and Home Insurance: What Every Homeowner Should Know

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It’s amazing how remote work has become increasingly more common in recent years. If you work remotely in Pooler, GA, it’s important to consider how it may impact your home insurance. You may not be as protected as you think, and our agents at TruePoint Insurance can help.

Understanding the Liability

When you start working remotely, you may increase your liability risks – especially if employees or clients visit your home. If someone gets injured, your home insurance may not cover them.

If you have a remote employee who damages someone else’s property, your home address may be listed, which could lead to liability nightmares.

Many of the liabilities will depend on whether you’re an independent contractor or an employee. Discussing everything with an insurance agent will ensure you have the information you need to make important insurance decisions.

Is It Time for Business Insurance?

Your home insurance covers the basics for homeowners. However, if you conduct business out of your home, house business equipment in your home, or have more devices running that could be a fire risk, it may be time to look beyond home insurance.

Sometimes, your insurer may even classify your home as a business location, requiring you to obtain business property insurance (or at least a rider to cover more of your assets).

It’s better to ask than to make assumptions.

Discuss Your Home Insurance (and More) Now

At TruePoint Insurance, our goal is to ensure you’re fully protected. There’s nothing more heartbreaking than to see someone in Pooler, GA, file a claim with their insurance company only to discover coverage gaps. It could lead to all sorts of out-of-pocket expenses that you can’t afford.

Contact us today to talk more about your remote work and determine how to make some insurance updates so that you’re fully protected.

Coverage That Your Liability Policy May Provide

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Liability coverage is insurance that protects the policyholder against accidents or damages. This article explains how this type of coverage can safeguard homeowners and business owners.

Understanding Liability Coverage

Liability coverage shields the policyholder from accidents that result in bodily injury or property damage. These accidents can occur in a residential or commercial environment.

For a liability insurance claim to be valid, the reported incident must be classified as an accident. Liability coverage does not extend to intentional acts.

Benefits of Coverage

Property owners may not have the funds to cover extensive medical bills or repairs. A liability insurance policy is designed to cover these costs if another party sues an individual.

The policy payout can be used for healthcare expenses, legal fees, and any other costs the insured party must pay.

The Role of Inspection in Liability Insurance

If you’re considering liability insurance, an inspection process can help assess the risk of incidents that might lead to an insurance claim.

For example, if you own a business, you can arrange for an inspection of your premises. This inspection will identify any potential risks that could lead to injury or property damage.

If numerous risks are identified, adding a substantial amount of liability insurance to your existing policy might be beneficial.

Consulting with a TruePoint Insurance Agent

Contact one of our insurance agents in Pooler, GA. The agent will help you add liability coverage to your policy.