Homeowners insurance and severe weather

Understanding Homeowners Insurance in Savannah, GA amid Severe Weather Conditions

In the United States, particularly in Savannah, GA, extreme weather conditions often cause a significant surge in homeowners insurance claims. Homeowners devoid of adequate coverage are left vulnerable to skyrocketing repair costs after a storm. Conversely, those homeowners who have invested in insurance have a higher chance of attaining financial support from their insurer. TruePoint Insurance offers suitable coverage to safeguard a homeowner’s most valuable investment.

The Impact of Adverse Weather on Homeowners in Savannah, GA

A wide variety of natural phenomena, including wind, rain, lightning, hail, snowfall, ice storms, and hurricanes, can ravage homes in severe weather conditions. The aftermath of a severe weather event can range from minimal damage to extensive destruction. With the appropriate insurance policy in effect, homeowners can rest assured that they are covered.

Frequency of Extreme Weather Inflictions

While it is challenging to foresee the likelihood of severe weather far into the future, homeowners in coastal locales, such as Savannah, GA, should acknowledge that weather-related damage is a distinct possibility. This scenario is particularly relevant for major weather events like hurricanes that typically wreak the most havoc in cities and towns in proximity to the coastline.

Is Flood Damage Included in Homeowners Insurance?

It is crucial to remember that standard homeowners insurance policies do not account for flood damage. Homeowners residing in flood-prone areas should investigate whether they require additional flood coverage.

Contact TruePoint Insurance for More Information

We encourage you to contact our agents at TruePoint Insurance for further information or queries on the topics discussed. We are eager to assist you in establishing a homeowners insurance policy and managing other related insurance matters.

Find Out If Flood Insurance Coverage Is Right For You

If you live in a low-lying area where flooding is likely to occur, you will benefit from learning about flood insurance coverage. Review the coverage guidelines that follow. Then, contact a TruePoint Insurance agent who serves Savannah, GA, for more information about flood insurance.

Water Damage Costs

Consider the cost of repairing and replacing items that are water-damaged. Structural materials, furnishings, and household goods could be affected by a flood. Water damage restoration costs could be high, especially if you live in a large home or own many items.

Value Considerations

Assess the value of the contents of your home. Purchasing a flood insurance policy could be a smart move if you own artwork, jewelry, or other items of value. The policy would cover the cost of repairing or replacing any items damaged by water.

Risk Factors

Consider the location of your home. If heavy rain and poor drainage are concerns, having insurance coverage may be in your best interest. If you have ever endured flooding, consider the likelihood of this occurring again.

If you previously dealt with a lot of water damage, plus were responsible for paying for the cost of repairing or replacing items in your home, having access to a flood insurance policy will prevent any issues in the future. Your policy will protect your land and your home from flooding waters.

Contact TruePoint Insurance

Now that you have reviewed some reasons to obtain flood insurance, contact a TruePoint Insurance agent. An agent who serves Savannah, GA, will assess your residential land and home. They will recommend coverage that will protect your assets from water damage.

Four misconceptions about life insurance

Life insurance is an essential financial product if you want to protect your family in Savannah, GA against future uncertainties. TruePoint Insurance offers life insurance solutions that can give you peace of mind.

Unfortunately, there are a lot of misconceptions out there about life insurance. The following are four misconceptions about life insurance to be aware of. 

It will be easy to buy life insurance later.

Consumers could face problems if they procrastinate about buying life insurance. If you wait to buy life insurance, you could experience a serious chronic health condition in the future that may compromise your chances of getting affordable coverage.

It’s generally more difficult for older consumers to get the best life insurance deals than for younger consumers. That’s why it’s best not to put off buying life insurance. 

There is not a lot of difference between life insurance policies.

When you buy life insurance, you need to understand all the different types of coverage, like term, whole, and universal life insurance. This way, you can be sure that your policy is customized to your situation. 

Most people don’t need life insurance.

There is a common misunderstanding out there that only very wealthy people need life insurance. However, the truth is that any consumer with dependents should have life insurance to protect their dependents’ financial future. 

You only get life insurance for the death benefit.

Some life insurance policies, like whole life insurance, have a savings component and a death benefit component. You can opt for this type of policy if you want a permanent life insurance policy that will help you to accumulate savings over time. 

Learn more about life insurance options in Savannah, GA, by giving us a call at TruePoint Insurance. We’re here to assist you if you need to get a quote on a life insurance policy. 

Fortifying Savannah Businesses: A Commercial Insurance Primer

When businesses in the Savannah, GA region look to take all of the necessary steps for the future, TruePoint Insurance is there to help. Commercial insurance is pivotal for any business’s current and future success. Thanks to this primer, you will be able to learn more about the importance of these policies before selecting the one that best fits your needs.

Financial Protection

The peace of mind that comes with knowing that the business will remain protected from any potential financial crisis is priceless. A wide range of risks are associated with any new business venture, and without the proper policy in place, they will only be exacerbated. No one is clairvoyant, and it is hard to anticipate every possible financial issue that could arise. With a commercial insurance policy, this is no longer a concern.

Litigation Protection

Litigation is another thorny, complex issue that has a way of arising at the least opportune moments. With commercial insurance protection, this is no longer something that will cause stress and anxiety for a new business owner. However, for a business to maximize its capital on hand, it cannot risk being tied up in all sorts of draining litigation procedures.

Greater Level of Client Trust

Prospective clients are more likely to trust a business that has taken all the necessary precautions before hanging its shingles. Lenders and investors will also have a higher level of trust in a company that has taken the time and effort to secure its assets.

If you live in the Savannah, GA region and would like to learn more about the available commercial insurance policies, feel free to call or stop by as soon as possible. At TruePoint Insurance, we pride ourselves on providing our clients with the information they need most.

What Does Auto Insurance Cover?

Are you wondering what auto insurance covers? If so, our agents at TruePoint Insurance, serving the Savannah, GA area, can help you.

Auto Insurance Coverage Options

There are many different auto insurance coverage options, but only one is required by Georgia. That is auto liability insurance. This type of coverage will help pay for the medical bills and any property damage you may cause in an accident. It is illegal to drive in Georgia without auto liability insurance, and you can even lose your license or be jailed if you are caught driving without it.

Comprehensive Insurance Coverage

Comprehensive insurance is imperative to have, especially if you still owe money on your vehicle. This is because your vehicle can become damaged or destroyed at any time by some natural disaster or a fire. It can even be vandalized or stolen, and you will need help to recover from that financially. This type of policy will repair or replace your vehicle if any of these scenarios happen to you.

Collision Insurance Coverage

Collision insurance is just as important as comprehensive since it will help you out if you collide with another vehicle or some stationary object. This type of policy will help you get your car fixed quickly and back on the road.

Underinsured/Uninsured Motorist Coverage

Underinsured/uninsured motorist coverage will come in handy if a driver causes an accident and damages your vehicle or causes injuries to you or your passengers but does not have the proper amount of insurance to cover all the bills.

Contact TruePoint Insurance

Contact our agents at TruePoint Insurance, serving the Savannah, GA area, today to create a reliable auto insurance policy for you and your beloved vehicle.

Four inaccurate assumptions that are frequently made about auto insurance

Consumers are sometimes misinformed about certain aspects of auto insurance. If you need auto insurance for your vehicle in Savannah, GA, we can ensure you’re accurately informed at TruePoint Insurance. 

The following are four inaccurate assumptions to be aware of that are frequently made about auto insurance. 

You enjoy coverage for everything if you buy comprehensive coverage.

Comprehensive coverage is a certain type of coverage. This type of coverage will compensate you for damages caused by events like theft and vandalism. However, comprehensive coverage doesn’t cover you for accident damage or liability expenses. 

You only need minimum coverage.

While minimum coverage might be all you need legally, investing in added coverage is always best. Otherwise, you could experience significant financial loss if you are held liable for an accident that involves extensive damage. 

You can use a personal auto insurance policy for business activities.

Don’t use your vehicle for business activity if you only have personal auto insurance coverage on it. You must buy a commercial auto insurance policy if you use your vehicle for commercial activities. 

Your auto insurance will cover anyone who drives your vehicle.

You cannot assume that your auto insurance will cover any accidents that occur while someone other than you is driving your vehicle. If you want to be sure that your auto insurance will cover other motorists driving your car, you will have to get these other motorists added to your auto insurance policy. 

Let us insure your vehicle in Savannah, GA. We’re here to help you meet all your auto insurance needs at TruePoint Insurance. Call us now to get a policy quote!

Why You Need Condo Insurance

Like any other home, condos need insurance coverage to protect your costly investment. If you’ve recently purchased a condo in Savannah, GA, talk to your TruePoint Insurance agent about condo insurance. Your condo association’s master insurance policy only covers so much, mainly the exterior of your building and common grounds. That leaves you responsible for your unit’s interior and personal goods. That’s where an individual condo policy comes in.   

Why You Need Condo Insurance

If your condo were to catch fire tomorrow and most of your goods were destroyed, would you have the financial resources to recover your losses on your own? If your answer is no, you need condo insurance. No one is immune to accidents or disasters. Insurance helps you prepare for the unexpected to avoid financial ruin.

Condo insurance picks up where your condo association’s master policy leaves off. It covers risks like theft, vandalism, fire, flooding caused by faulty plumbing, and liability incidents that stem from accidents on your property.

Coverage Options

Condo insurance has multiple coverage options to protect you and your property.

Property insurance protects your belongings by covering their repair or replacement cost if they’re stolen or damaged in a covered peril like fire. This includes your wardrobe, furniture, electronics, pots, pans, sports gear, musical instruments, jewelry, and anything else you own in the condo.

Liability coverage protects you against accidental injuries to others on your property, such as a head injury from a slip and fall. If the injury requires medical care, your liability insurance protects your assets by covering doctor or hospital costs.  

Loss of use coverage helps pay for your living expenses elsewhere if your condo is temporarily unlivable due to disaster damage.

To learn more about condo insurance policies and costs, contact TruePoint Insurance in Savannah, GA.

Determining Your Motorhome Insurance Needs

Several key factors come into play when evaluating your motorhome’s insurance needs. Owning a motorhome in or around the Savannah, GA area helps to know what coverage you need. 

The Vehicle Value and Usage

There are no Blue Book values on motorhomes, so the best way to find that information is through websites covering the specific year, make, and model. The condition is another factor to consider in the correct value amount. Once figured out, it will help determine the coverage required to protect your investment.

Next, you will want to determine how you plan to use your motorhome. Will it be for recreational use, occasional trips, or full-time living? The answer will help in the assessment. 

The Driving Record Affects the Premiums

Consider your circumstances, such as your driving history and experience. Insurance companies often take these factors into account when calculating premiums. 

A clean driving record and extensive experience driving larger vehicles like motorhomes may result in lower premiums. However, every circumstance varies from person to person. 

Additional Insurance May Apply 

Assess any additional coverage requirements specific to your situation. Additional coverage may be necessary if you have valuable personal belongings or specialized equipment in your motorhome. Additionally, ensure you have an appropriate policy if you have special attachments. 

Deductibles Play a Factor in Premiums 

Higher deductibles generally result in lower premiums but require you to pay more out-of-pocket in case of a claim. Consider your financial situation and risk tolerance when deciding on deductibles and coverage limits. 

How TruePoint Insurance Can Help You

At TruePoint Insurance, we can offer all the information you need concerning motorhome insurance. Whether your motorhome is fully purchased or financed, we can help meet your insurance needs in or around the Savannah, GA area. Contact us today.

Why every renter should have renters insurance

Renters insurance protects renters from some of the many hazards just waiting to happen. If you think that your landlord or management company has insurance that protects you, you are mistaken. They do have insurance, but it is to protect their property, not yours. At TruePoint Insurance in Savannah, GA, we offer our customers more choices and excellent customer service. 

Personal property

Renters insurance protects your personal property. That includes all your clothing and personal items. Furniture, electronics, jewelry, decor, and more. It protects your property when it is at home and when you take it away from home when you travel. If you don’t have this coverage and your rental is damaged, you could have to replace everything you own simultaneously. Imagine not even having a toothbrush or underwear. Just having to replace your Christmas decorations is a major expense. 

Liability coverage

Liability insurance covers you if you get sued, and there is a judgment against you. No one likes to imagine being sued, but it does happen frequently. It could be someone getting injured at your rental or someone having their property damaged by a member of your family. This even applies to your four-legged family members. Not only will liability coverage take care of a judgment, but it can help with legal expenses. 

Loss of use

When a covered peril damages your rental, things like fire or a tornado, you may not be able to stay there until things are repaired. If you have renters insurance with loss of use coverage, it will pay for you to stay in a hotel and for some meals if you can’t cook. 

In Savannah, GA, at TruePoint Insurance, we are independent insurance agents who work to provide our customers with the best renters’ insurance for their needs. 

RV Insurance: What You Have to Know

Doubling as both accommodation and transportation, RVs are often a budget-friendly way to travel for those always on the road. In recent years, there has also been an influx of individuals and families choosing to sell their homes and live in an RV full-time. Because of this, it’s become increasingly important to find the appropriate insurance coverage to protect your investment. Your RV is likely one of your most significant physical assets, and you should work with a Savannah, GA insurance agent who understands its role in your life.

Special Considerations for RV Insurance

When insuring your RV, the process and terminology are similar to insuring your car. There are three standard areas of coverage: liability, collision, and comprehensive.

With RVs typically being some of the most significant vehicles on the road, they commonly cause a lot of damage during an accident, regardless of who was at fault. This is where liability and collision insurance come in. These coverage types will ensure that you are protected in the event of a lawsuit and are not stuck paying for repairs out of pocket.

Comprehensive coverage must be considered for those who live or travel in areas prone to hurricanes, flooding, hail, and other natural events that may damage your RV. In addition, you may want to add coverage for specific events you might face, like roadside assistance and hotel stays.

Find the Coverage You Need at the Price You Can Afford With TruePoint Insurance

RVs are an invaluable asset to many families in Savannah, GA. You can protect them as such with help from the team at TruePoint Insurance. For over a decade, TruePoint Insurance has helped RV owners find the right policy without breaking the bank. Call us today to learn more about what we can do for you!