How To Find Out If You Are Located In A Flood Zone

Is My Home Located Within A Flood Zone?

It only takes a couple of clicks on the right website to determine if you are located within a flood zone. If you reside in Savannah, GA, the best way to find out if your home is situated in the flood zone is to visit the usa.gov homepage. You can get in contact with their permit and floodplain manager directly! His name and contact information are on the header page.

Savannah, GA utilizes a comprehensive flood mitigation plan to ensure that its residents are safe and dry. In addition, Savannah has a repetitive loss area analysis and a program for public information. This information is located on the header page and has links to each.

Most importantly, you can find out if you live in a flood zone by clicking on the flood map information link on the right side of the page.

Savanna, GA is growing by leaps and is bound to answer your questions about flood insurance and general information about flooding. The city officials want you to get involved and provide contact information to report extreme weather and areas where you notice flooding.

The critical information that is gathered by their cities’ flood protection program will give you information about:

  • existing flood zones
  • how to protect your home and your property
  • how to save funds when it comes to flooding and the damage that comes with it

TruePoint Insurance Is Dedicated To Helping You Secure Flood Insurance

The fact is that the state of Georgia does not require flood insurance. However, your mortgage lender may require flood insurance based on where you live on the flood map. That’s where TruePoint Insurance comes in. Serving Savannah, GA, as well as the surrounding area, we can help you secure flood insurance and other necessary insurance to make your life’s investments secure. Contact us by email or at 502-410-5089 to learn more.

Life Insurance FAQs

Life insurance can be tricky for many people. We at TruePoint Insurance, serving Savannah GA, are here to help answer your questions about this important piece of your life. Here are some of the most frequently seen questions we get at the agency.

I’m too young for life insurance, right?

We see this all the time. What we like to ask people after this is, “Are you a parent? A spouse? A son or daughter?” Anyone at any time needs to have life insurance protection. We can use these as mortgage protection, a part of financial planning, even income replacement after a death. Life insurance may not be a topic everyone wants to discuss, but it is very needed.

What’s the difference between term and permanent life insurance?

This is an excellent question and one we always love to answer. Term insurance has lower premiums but has no cash value and it is for a set amount of years. You may renew these policies if needed. Permanent life insurance is a little higher in premium, but it builds a cash value and is with you until the day you die. One is not “better” than the other but one policy may be better suited for your situation.

How much insurance is enough?

While there is a lot of talk about 5-8x your yearly income being the factor, there are questions that are better to understand how much insurance you need. You should factor in how much debt you have, estate taxes, any college you’d like to pay for the children left behind, the income you will not be providing after death, as well as factoring in the cost of inflation. Talking over your needs with a licensed agent can better get you to the number you need than pulling an arbitrary number out of a hat.

Can I insure myself?

There is a thing called “insurable interest” that means that only someone who will feel your loss can insure you. So no strangers and not yourself. Besides family, creditors and business partners may fall in to the category of “insurable interest”.

TruePoint Insurance, serving Savannah GA, is here to answer whatever insurance questions and concerns you may have. Call or come by the office to speak with one of our licensed insurance agents today.

Business Insurance for Savannah Small Business Owners

The kind souls of Savannah, GA are helpful and creative people, as we at TruePoint Insurance have found out since moving into the area. We’d like to help you put that potential to work as your own boss with business insurance coverage.

The first insurance risk that every business needs to evaluate is their workers’ compensation liability. Any company that has three or more employees is required by state law to have coverage, and there are good cases for having the coverage when you have even a single employee.

Your other liabilities will depend on the type of service that your company provides. If you sell crafted goods through an online store, you won’t have the same risk as if you opened a food truck. When you discuss your company with your provider or agent, always accurately answer any questions about your operations. Even if you’re not lying to them, you may end up underinsured with a huge liability risk.

The last major component of your business insurance will be property coverage. This will be broken down into different types of assets and causes of damage, but the typical policy setup will include coverage for both your business’s own buildings, fixtures, and equipment as well as any under its custody throughout the course of doing business.

Other types of coverage exist, but the details may change depending on the provider. For more details, contact an insurance agent like us at TruePoint Insurance whose job is to get you into the right policy for your liabilities and assets. With your insurance needs properly covered, you can get back to starting or running your small business in Savannah, GA with fewer distractions on your mind.

Georgia Auto Insurance: Do You Need Collision Insurance and Comprehensive Insurance

The only time that you absolutely need collision insurance and comprehensive insurance in Savannah, GA is when your lender requires it. In other cases, it can be a good idea. In some cases, it’s not worth the expense.

At TruePoint Insurance, we will be able to help you determine if you need it or not. There are some things to consider when you are renewing or updating your Georgia auto insurance policy.

The Car Value

If you have an older car or one that is only worth a few thousand dollars, you may not need collision or comprehensive insurance. The damage to your vehicle may be worth more than the insurance coverage.

You will have a car replaced with the value of your vehicle. If it doesn’t have a high value, and your lender doesn’t require it, these coverages may not be worth it.

Deductible Amount

This ties into the value of your car. If you have a high deductible so that you can save on premiums, then collision insurance or comprehensive insurance won’t be worth it.

If your deductible amount is the same as the amount on your replacement value, for example, neither collision nor comprehensive insurance is worth the added costs to your premiums.

You can apply for that extra money every month to other coverages for your auto insurance, or just get the minimum liability coverages you need for auto insurance.

When You Need Collision and Comprehensive Insurance

If you have a newer car or a car worth a high value, you will think more seriously about collision insurance and comprehensive insurance. If you want to replace your car to the same value that you have now, these are coverages worth getting.

Talk to a Broker

When you are looking at renewing or updating your auto insurance policy in Savannah, GA, it is always best to talk to a broker or insurance agent and find out how to get the best policy for your situation. Call TruePoint Insurance for a quote today.

3 Times to Review Your Commercial Insurance Policy

From small business owners to leaders of massive corporations, every person who runs a company should take the time to evaluate their commercial insurance coverage. At TruePoint Insurance, we recommend doing so in these cases.

When Your Revenue Grows

Growing revenue is what every business wants, but your company tends to take on additional risks as it expands. You may hire new employees, open a new location, or add vehicles to the company fleet. Workers’ compensation is required for any Savannah, GA business that has three or more employees, and all vehicles need commercial auto coverage. Beyond that, your coverage limits on perils like business interruption may no longer be enough to cover the losses.

When You Shed or Lower Risks

Insurance policy costs reflect the risks that your business faces. Some risks will be a part of your company’s existence no matter what you do, but there are some that fluctuate. When you move your business to a better location or no longer have a contract like shipping volatile goods, you have lowered your overall risk. Showing these improvements to your commercial insurance provider or using them to shop for a new policy could result in lower costs or improved benefits.

When Doing an Annual Review

No matter what’s going on with your business, regularly checking on your existing financial obligations and protections is a good habit. Look over your policy at least once a year, evaluate the monetary values against your business’s assets and revenue, and consider the likely costs of the covered perils. If you’re a TruePoint Insurance customer or live in the Savannah, GA area, you can contact us at any time to compare your current insurance policy with other options.

4 Things to Keep in Mind When Buying a Condo

It may come as a surprise, but buying a family home is not the same as buying a condominium. One of the critical factors to consider include condo insurance. TruePoint Insurance serving Savannah, GA, provides affordable and effective options to choose from. Some of the crucial factors condo buyers should consider before purchase are:

Amenities

They include extras such as a swimming pool, gym, guest suites, party room, visitor parking, etc. You need to consider how you will make good use of them when you are the new owner. Instead of leaving the swimming pool water or gym space to get dirty since you don’t need it, it would be wiser to go for an option without those unnecessary extras.

Insurance

Condo insurance covers personal property, interior damage, housing displacement, master policy coverage limits, and guest liability. Having your insurance helps you avoid complicated situations that may arise due to an accident in the condo.

Review Condo Rules

Since most condos are close to one another, there will be rules and restrictions on residents. For example, pet restrictions are pretty popular in most condos, while others only allow small-sized dogs. In other settings, condo owners are not allowed to make any renovations without permission. Such rules exist to tame annoying neighbors who don’t care about others’ welfare.

Location

Depending on how your things progress, you may not spend your entire life living in a condo. Therefore, it’s essential to consider the location as it plays a significant role in its resale value. If the area your target condo is in is developing rapidly, it could help boost the property’s value.

Buying a condo can be a relatively straightforward process if you consider important factors such as the ones above. Consider reaching out to TruePoint Insurance serving Savannah, GA to get advice and offers on the right condo insurance coverage. Call to speak to an insurance expert for vital advice.

What Does RV Insurance Cover in Savannah Georgia?

If you like traveling with your family in an RV, camper or trailer, then you need liability insurance on your vehicle. If your RV, camper, or trailer are financed, you will need full coverage to protect your finance company’s assets. Different types of insurance can be confusing and at Truepoint Insurance we are here to help you.

What is the Minimum Liability for RVs in Savannah, GA?

In the state of Georgia, the minimum amount of insurance for an RV is 25/50/25. This means that you have $25,000 in property damage coverage per each accident, $50,000 for bodily injury per each accident, and $25,000 for property damage liability. This is the minimum amount you need if your RV is paid off and you own it outright.

What are the Other Types of RV Coverage?

Full coverage includes both comprehensive and collision insurance. Collision covers damage to your RV resulting from an accident and comprehensive damage to your RV for non-collision-related items such as wind damage or hail damage.

Vacation liability insurance covers costs of others’ property or for their injuries. This is different than the standard liability insurance needed for an RV in Savannah GA that you drive in that it will cover you when you hurt someone else or cause damage to their property when your RV is being used while you are on vacation instead of just driving down the road.

Roadside assistance is a great item to add to your RV insurance policy because you never know when something will go wrong. It can help you to tow your RV to a shop and allow you to get a rental car if repairs will take some time. Then you can get back on the road for your family adventures.

At TruePoint Insurance, our knowledgeable experts can help you to determine how to effectively insure your RV to recoup any losses if you incur damage. You can call us or come by our office near Savannah, GA in Pooler, to get all of the information you need.

Georgia Boat and Watercraft Insurance


TruePoint Insurance

As the Captain, your job is to manage risk constantly. While the safety of your passengers and crew is your number one concern, risk management for your vessel is also an ongoing problem.
That’s where we come in. TruePoint Insurance provides Coastal Georgia boatowners with access to many of the top boat insurance options. With locations in Pooler and Wilmington Island, TruePoint is making it easier than ever to find the proper insurance coverages for Savannah boatowners.

Boat insurance for Coastal Georgia

We provide coverage for the following types of watercraft:

  • Air Boat
  • Bass Boat
  • Bay Boat
  • Bowrider
  • Cabin Cruiser
  • Catamaran
  • Center Consoles
  • Cuddy Cabin
  • Deck Boat
  • Fishing Boat
  • Game Boat
  • High-Speed Boat
  • High-Value Boat
  • Houseboat
  • Jet Ski
  • Offshore Fishing Boat
  • Personal Watercraft
  • Pontoon
  • Runabout
  • Sail Boat
  • Ski Boat
  • Sport Boat
  • Yacht
  • and more…….


Whether you’re purchasing your first boat or just checking around for a better value, reach out to one of our Georgia boat insurance specialists. We’ll take the time to find the right coverages for your unique situation.

Give us a call at (912) 330-1265,

or Click Here to learn more about TruePoint Insurance.

Georgia Restaurant Insurance



Restaurants and Pubs

Managing a Restaurant or Pub is hard work. Finding the correct insurance for your endeavor shouldn’t add to your headaches. Obtaining the coverages at the right price should be the responsibility of a reliable and trusted insurance professional.

Insurance for Pubs and Taverns
Insurance for Georgia Pubs and Taverns

Different cuisines, Franchises versus Mom and Pop, and the processes utilized for cooking are just a few of the factors that may influence a restaurant’s premium. Other factors can have a more dramatic impact on premiums. For example, alcohol sales, entertainment (such as live music or karaoke), and dance floors may make it harder to secure adequate and reasonably priced insurance.

That’s where we come in. With two locations in Savannah, GA, our insurance agency is helping restaurant owners in Coastal Georgia, and many other Georgia locations navigate the specific insurance needs of the industry. TruePoint Insurance has aligned with many of the top carriers providing insurance for Georgia restaurants and pubs. So while you focus your energy on staffing, menus, and other operations-critical issues, we will be behind the scenes searching for the appropriate insurance coverages that meet your unique needs.


Give us a call now at (912) 330-1265

or Click Here to learn more about TruePoint Insurance

Georgia Garage Liability Insurance

The coverage, it’s in the detailing

Insurance for Auto Dealers and Garages

What is Commercial General Liability

Whatever business you’re in, it is likely, that you will need general liability coverage. Commercial General Liability also referred to as CGL, protects your Georgia business in the event of third parties claims.

Liability insurance; the cost of staying in business

Insurance claims come in many forms.  If you’re an auto dealer, garage, or body shop in Coastal Georgia you are definitely aware of the damages that can be inflicted by a windstorm.  Property coverage is an essential portion of your risk management process.  The need for property and many other types of insurance coverage can be easily quantified.  Both the magnitude of the potential loss and the associated insurance premium are a given.

The cost/benefit analysis for liability insurance is another story.  Today, seven-figure liability claims are not unheard of. Magnitude is the reason that your Commercial General Liability policy is essential.

CGL Insurance provides very broad coverages, however it is critical that Georgia business owners be aware of the many exclusions.  Professions that work with customers vehicles have specific liability insurance needs.

Insurance for Mechanics

Mechanics, auto body repair shops, and other’s need what is known as Garagekeepers Liability Insurance.

Vehicles not owned by the insured are not covered by under the CGL or the Commercial Auto Policy.  To fill this gap, many businesses need a Garagekeepers Liability Policy.  This policy provides the insured with coverage for incidents that occur on the premises. On-premises is key. It is important to remember that this coverage does not extend beyond the place of business.

Garage Liability is often confused with Garagekeepers and vice versa

Earlier we noted that Garagekeepers insurance may not cover on-site incidents. If you own or operate a Georgia auto dealership, or if your business drives non-owned vehicles off premises, then you most likely need a Garage Liability policy.

Garagekeepers or Garage Liability,  as clear as spent motor oil

Business Liability insurance can get confusing. That’s why it is important for business owners to do some work on their end. It’s wise to invest some time on the front-end finding a good agent. Working with an independent agent increases your chance of success.

Working with an independent agent is even more important for businesses. The group combines to write nearly 85% of the insurance written in the US. 85% of the market makes it difficult for anyone other than an independent to agree their case. Garage Liability insurance coverage.

Identifying the right independent agent might be a little tough. Don’t be afraid to quiz them. Use your understanding of General Liability, Garagekeepers, and Garage Liability coverages. Put prospective agents to the test by asking them to suggest coverages.

The finish line is in sight. Choose the right path for you and your business to secure the necessary coverage.

Don’t feel bad if you’re still feeling a little confused. Many in the insurance industry have trouble with this topic. Who needs Garage Liability?

CAN YOU HAVE BOTH?

It’s not uncommon for businesses in the auto industry to carry both Garage Liability and Garagekeepers coverage.  If your business falls into one of the following you more than likely need on, if not both of these coverages:

Auto Mechanics

Auto Dealerships

Car Wash

Farm Equipment Dealers

Auto Body Shops

Parking Lots

Valet Parking

Mobile Auto Service

Tire Dealers

Driveway Contractors

Towing

ATV Sales & Service

…….and many more auto-related industries