Uncover the Unexpected Benefits of Life Insurance for Child-Free Couples

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Life insurance is often thought of as something that only benefits married couples with children, but it can also benefit child-free couples. It can provide financial security in case of death or disability and also offer tax benefits. In this article, we at TruePoint Insurance will look at some of the unexpected benefits of life insurance for Savannah, GA couples who don’t have kids.

How Life Insurance Can Cover Final Expenses

Life insurance can be a critical source of funds for those who do not have children to help cover the costs associated with their final expenses. Life insurance proceeds are not subject to probate and can be paid to your designated beneficiary when you pass away. This money can be used to pay for funeral and burial expenses, medical bills, and other outstanding debts.

How Life Insurance Can Help Pay Off Debt

With a life insurance policy, the insured individual can designate beneficiaries who will receive the policy’s death benefit when they die. Beneficiaries do not necessarily have to be children of the insured. This death benefit can be used to pay off any remaining debt, such as credit card debt or student loans.

How Life Insurance Can Enhance Retirement Plans

Life insurance policies can be used as collateral to secure loans, which can be used to fund investments that will help with retirement planning. Ultimately, life insurance can provide financial security for those without children and can be a powerful tool in retirement planning.

TruePoint Insurance of Savannah, GA is dedicated to providing quality life insurance to us. We are committed to providing you with the most comprehensive coverage to help protect the ones you love. Our team is here to answer any questions and provide you with the support you need.

Are You a Business Owner? Make Sure it is Protected with Commercial Insurance

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Are you a business owner in the Savannah, GA area? Does commercial insurance protect your livelihood? If not, TruePoint Insurance can help.

What is commercial insurance? It is a broad type of coverage that provides liability insurance for general business risks. The four most common types of commercial insurance are:

  • Business interruption insurance
  • Commercial general liability insurance
  • Cyber liability insurance
  • Property insurance

While general liability insurance is not required by law, without it, you could face having to pay for all expenses related to a claim against your business. For example, if a client or customer visits your place of business, slips and falls, breaking a hip, without this coverage, you will be responsible for any legal fees and all medical bills. This coverage should be a priority for any business.

General liability insurance is sometimes called commercial liability insurance or small business liability insurance, which provides coverage for your business against any claims made by others for bodily injury or damage to property.

Libel and slander are also covered. Suppose something is said or written by you or an employee, and it damages the reputation of another. In that case, the associated costs of a lawsuit will be covered under a general liability policy.

The cost of general liability coverage will vary based on the size of your business, the type of business you are in, your location, and the amount of coverage you need.

General liability coverage will pay legal fees and any settlement if your business is sued. Advertising injuries, court costs, legal fees, and administration fees will also be covered.

Don’t risk the business you have worked so hard to build. Commercial insurance is a must for any business. Contact TruePoint Insurance today for a no-obligation quote or answers to any questions you may have. You will be glad you did.

Protect Yourself with Car Insurance

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Did you know it is against the law in 48 states to drive without car insurance? Let the professionals at TruePoint Insurance, who serve the Savannah, GA area, provide you with the coverage you need for your car or truck.

Why is car insurance necessary? If you are like most drivers, you think it is not needed. But having car insurance is necessary for any driver.

The three main reasons to have car insurance are to comply with the laws of your state, satisfy lender requirements, and protect your assets. All states require you to take financial responsibility for damage you cause if an accident is your fault.

Auto insurance is required because it provides drivers with payment for damage to their vehicle caused by an accident or other covered perils, such as theft, fire, vandalism, falling objects, or other accidents.

It doesn’t matter what type of vehicle you drive; there is always the chance of a traffic mishap. Accidents frequently happen for several reasons and varying extents, but they always cost money. They can cause severe injury or death. If you are without car insurance, serious trouble can result. Not only will it cost thousands of dollars for medical bills and the damage incurred, but your driver’s license could be revoked, and you could be faced with a hefty fine.

Liability insurance is required by law. It is usually the most expensive, so your insurance provider will be responsible for any damage you cause.

Other coverage is collision, comprehensive, gap coverage, uninsured/underinsured motorist coverage, rental reimbursement, and roadside assistance. These coverages can provide a lot of protection for a small price increase.

Let the insurance professionals at TruePoint Insurance provide you with the coverage you need to protect your vehicle and driving privileges. Contact them today.

Why Add Collision and Comprehensive to Your Policy?

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When you purchase the required auto insurance to fulfill Georgia law, you might consider buying a policy that provides the minimum coverage. In most cases, though, you should insure your vehicle fully through TruePoint Insurance.

Full coverage of your vehicle ensures that your insurance policy protects your vehicle and the other vehicles of the other drivers on the road. The state minimum insurance you obtain to legally drive in Savannah, GA and the rest of the state only protects the other drivers’ vehicles. If you cause an accident, the bodily injury liability component covers the other drivers’ hospital and medical costs, plus that of their passengers. Your property damage component protects the vehicles of the other drivers.’

You only protect your own vehicle by adding collision and comprehensive coverage. This means that your policy covers all the repairs even if you cause a one-vehicle accident, as in, you damage your car, truck, or SUV. That means you’ll only need to pay a small deductible out of pocket for complete repairs instead of shelling out for all the repairs yourself.

Full coverage also protects you from damage caused by animals, such as deer, running out in front of your vehicle and acts of nature. If hail damages your vehicle, your full coverage policy protects your vehicle by paying for repairs. Whether you hit a fence, a wall, or a tree limb falls on your car, comprehensive and collision cover you. It even covers theft.

Contact TruePoint Insurance

Contact TruePoint Insurance serving Savannah, GA, to expand our auto policy to full coverage. Let us help you protect your vehicle and finances. Full coverage auto insurance protects you against all losses.

Four Benefits of Condo Insurance

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Investing in a condo can be exciting. However, as you immerse yourself in the glory of buying a condominium, don’t forget to purchase condo insurance. While you probably contribute to the condo owners association (COA) policy, this only covers damage and liabilities in shared areas. If you want to protect your assets, yourself, and loved ones, please invest in condo insurance.

So, you have purchased condo insurance from TruePoint Insurance. What are the benefits? Here is why condo insurance is worth every penny.

It gives you liability coverage.

Have you or your loved one been accused of inflicting bodily injury? Have you damaged your neighbor’s property? Whatever the case, you don’t have to cover the liability claims from your pocket — condo insurance can come to your rescue.

It covers your personal assets.

If you want to know how valuable your assets are, take a home inventory. You will realize your personal assets carry value, and thus it will be catastrophic to lose them to fire, theft, and other perils. So, invest in condo insurance if you want to protect your personal assets.

It can be customized.

Like home or auto insurance, your condo insurance can be personalized. You don’t have to purchase all the condo insurance policies. You just buy the ones that suit your current needs.

It gives you peace of mind.

Peace of mind is underrated. When you have fewer worries, this manifests in your health and other facets of your life. Condo insurance provides comfort, knowing that what you value most is protected. You don’t have to live on the edge thinking about fires, theft, and other threats.

Do the above benefits appeal to you? If you are in Savannah, GA, please contact TruePoint Insurance for an affordable quote.

Four Benefits of Motorhome Insurance

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Congratulations! You just purchased your motorhome. We can understand the sense of excitement, accomplishment, and fun. But have you thought about motorhome insurance from TruePoint Insurance? Motorhome insurance is an excellent investment to protect your asset, yourself, and your family.

Here are the benefits you accrue when you buy motorhome insurance in Savannah, GA.

Compliance with the law

Your motorhome may act like a home, but the law requires all vehicles, including motorhomes, to have insurance. Failure to comply with this requirement may result in several fines and penalties. But you don’t have to go this route since you can get affordable motorhome insurance from TruePoint Insurance.

Asset protection

Your motorhome didn’t come cheap. That said, losing your high-priced asset to perils like theft, fire, and hail would be a catastrophe. Fortunately, if you have motorhome insurance, your insurer will compensate you if your RV is damaged, stolen, or totaled.

Liability protection

Like your car, you can cause bodily injury or property damage to other people when using your motorhome. If you don’t have liability coverage, you will have to cover the costs from your pocket. The liability coverage of your motorhome covers medical expenses, property repair, and legal fees when sued.

Peace of mind

If you don’t have insurance, living a stress-free life can be challenging. You often think about someone stealing your RV or perils like a fire destroying your vehicle. If you are on the road, you can hardly enjoy your drive because you are scared of the traffic police. You don’t have to live on the edge. Purchase motorhome insurance for a worry-free life.

Purchase motorhome insurance today!

Ready to get started with motorhome insurance in Savannah, GA? Please get in touch with TruePoint Insurance for a no-obligation quote.

Renters Insurance Tips to Keep You And Your Property Safe

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Renters insurance is one of the most important things you can buy to protect yourself and your belongings. Despite this, many renters go without it because they don’t understand its importance or think it’s too expensive. This blog post will discuss some essential renter insurance tips to keep you and your property safe!

Make Sure You Understand What Your Policy Covers

One of the most important things when shopping for renters insurance is to ensure you understand exactly what your policy covers. There are many different coverage options, and choosing the one that best suits your needs is essential.

For example, some policies will cover your belongings in the event of a fire, while others will only cover them if stolen. Make sure you understand these two types of coverage before you make your final decision.

Shop Around for the Best Rates

Just like with any other type of insurance, it’s essential to shop around for the best rates for renters insurance. There are a lot of different insurers out there, and they all have different rates. Don’t just go with the first company you find. Take some time to compare rates from different insurers to ensure you’re getting the best deal from a professional insurer such as TruePoint Insurance. Savannah, GA, is a great place to live, but it’s important to protect yourself and your belongings with renters insurance.

Conclusion

Renters insurance is an essential type of insurance to have, but many renters either don’t understand the importance of it or think that it’s too expensive. In this blog post, we’ve discussed some essential tips to keep in mind when shopping for renters insurance. If you’re a renter in Savannah, GA, contact TruePoint Insurance to get a quote. We can help you find the best policy for your needs and budget.

What Are the Different Types of RV Insurance?

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The different RV insurances depend on the RV covered. Standard RV insurance covers the liability that comes with operating an RV. Trailers are covered with regular insurance, but you require additional coverage if an RV is towing it. You don’t require a driving license to operate motor homes. These self-contained vehicles are covered by regular RV insurance. 

Fifth wheels are self-contained but to operate them, you require a driver’s license. You insure them with regular RV insurance. Winnebagos are covered by standard RV insurance, while motor scooters require a driver’s license and regular auto insurance. For inquiries in Savannah, GA, contact TruePoint Insurance.

Various Forms of RV Insurance 

RV insurances come in various forms, including liability or physical damage, private passenger or commercial, among others. Liability insurance covers any potential damages or injuries to others if your RV is involved in an accident. Physical damage insurance covers your RV against any damages that might happen from normal wear and tear. 

Physical damage coverage includes scheduled and unscheduled. Scheduled physical damage coverage covers your RV against any damages that might happen from normal wear and tear. Un-scheduled physical damage coverage covers your RV against any damages that might happen from something outside of normal wear and tear. 

Commercial RV insurance is for those using their RV for a profit. It covers things like hauling hazardous materials and commercial liability. Other forms include comprehensive, collision, and liability. Comprehensive RV insurance covers things like weather, falling objects, and vandalism. Liability coverage will pay bills if someone is injured on your RV or if your RV causes property damage. 

Final Words 

Most policies also include coverage for medical expenses to cover the cost of any medical care for people injured in an accident on your RV. Most insurance covers have a limit of usually between $300,000 and $500,000. For expert help in Savannah, GA, contact TruePoint Insurance.

Is a comprehensive home policy the right choice for your family?

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Savannah, GA area residents can rely on the team at TruePoint Insurance for all of their home insurance needs. When it comes to helping our friends and neighbors with their policies, we are proud to serve our community. Learn more about what we offer by contacting our office.

Benefits of comprehensive homeowner’s policies

Owning a home and creating a sanctuary for you and your family is the bedrock of the American dream. Your dream needs to be protected, and having a comprehensive home insurance policy can do just that.

 When you select your home policy or consider an upgrade, it is worth the time to sit down with a local agent to review the available options. This can help you determine your insurance needs better and learn which policies can best meet them. There are a lot of policies that are available at many different limits and coverage amounts.

Choosing a comprehensive policy can benefit you by covering events that can often lead to financial responsibility otherwise. When you have a comprehensive policy with the proper coverage amount, you can rest assured that you will be prepared. None of us can predict the future, but we can plan to be ready. Having the right policy in place is a large part of this preparation. Find out more today!

We look forward to protecting you and your family!

TruePoint Insurance is here to serve all of the insurance needs of the greater Savannah, GA community. If you have questions about your homeowner’s policy or are in the process of buying a new home, we are here to help. Give us a call or stop by our local office today.

Protect your Georgia home with the right insurance policy

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Are you a homeowner in the beautiful Savannah, GA area? If so, it’s time to get to know your neighbors at TruePoint Insurance. We are proud to help area residents with all of their insurance needs. Give us a call, or stop by our office today to find out how we can help you protect your home. 

Do you have the right insurance policy protecting your home?

Protecting your home with the right insurance policy is a large part of responsible homeownership. You may not overthink your various insurance policies, but you’ll be happy to have them if you experience a significant loss! Because of this, it’s vital that you have the right policy in place with the appropriate level of protection.

If it’s been a while since you’ve thought about your policy or given it a careful review, there’s no time like the present! Putting forth the effort to ensure that you have the right policy in place can save you a lot of headaches down the road. Home insurance serves many purposes, and giving it a regular review isn’t a bad idea at all.

Your home insurance policy is the first step in ensuring that your family home is protected now and well into the future. Making sure that you have the right policy for your needs is something your local agent can help you with.

Let us help you with all of your insurance needs!

Savannah, GA area residents can rely on TruePoint Insurance for help with their home insurance needs. Now’s a great time to find out if you have the right insurance policy for your home. If you want to find out more, give us a call or stop by today!