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1001 Oak Rd SW, Ste 3
Lilburn, GA 30047

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What does Condo Insurance Typically Cover?

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Condominium insurance is similar to homeowners’ insurance for single-family homes in Lilburn, GA, but with several key differences.  Condo owners usually need to buy this protection before taking possession of the unit. You’ll also need to consider what your condo building association covers in its master policy before you purchase your personal one from Garrison Insurance Group.

What Does Your Condo Association Cover?

Before buying personal condo insurance, read your condo association insurance policy, which will outline the coverage your association will provide for your building. These policies differ widely, so reading yours will help determine what coverage you already have and what you can exclude. Association insurance generally covers damage to the building’s roof or siding and mishaps in common areas like hallways, elevators, the lobby, and the like. Ask your association for a copy of the policy to determine what necessary coverage your personal policy should have.

What Coverage Should I Buy?

First and foremost, you want to protect your personal belongings, such as clothing, furniture, electronics, and similar items. Condo insurance typically covers the following:

  • Personal property
  • Additional living expenses or loss of use
  • Liability and medical payments
  • Dwelling or building property coverage
  • Bare walls coverage
  • Loss assessment

Virtually no master condo policies cover your personal belongings, which will be a major part of your policy. However, seriously consider adding additional living expenses if your unit becomes uninhabitable due to mishaps like fires in other units. You’ll also want liability coverage if someone sustains injuries from an accident in your unit. Consult the master policy for bare wall coverage and loss assessment. If you are unsure about the language in the document, the agents at Garrison Insurance Group, serving Lilburn, GA, can assess the situation. Contact our office today for an appointment to get started on your coverage.

What value comes with a life insurance plan here?

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Anyone who is living in the Lilburn, GA area will want to make sure they are properly covered with insurance. One type of coverage all people need to have is life insurance. This is a valuable form of insurance that offers various forms of support and benefits to both policyholders and the beneficiaries of the plan. 

Financial Support for Dependents and Loved Ones

One of the primary reasons to have a life insurance plan is so you can offer financial support for those that you care about. If you have individuals in your life who rely on you and your source of income, the life insurance plan can offer financial protection and coverage for future expenses. Even if you do not have dependents, life insurance can offer support for end-of-life expenses that could be incurred by those you care about. 

Investment Benefits

In some situations, you can use life insurance as an investment tool. Whole life insurance is a unique type of coverage that offers insurance for the rest of your life as long as premiums are paid. An added benefit is that a portion of your life insurance payment will build in an account that will grow in value over the years. This can make it a great addition to any investment plan. 

Consult With Us

If you are looking for a life insurance plan in the Lilburn, GA area, you can quickly find there are a considerable number of options and factors to consider. Once you are ready to start the search for your next insurance plan, it would be a great idea to call our team of professionals from the Garrison Insurance Group. Our team with the Garrison Insurance Group knows how valuable this coverage is, and they can offer ongoing guidance and support as you build a new policy. 

What Kind of Insurance Do You Need for Older Cars?

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Lilburn, GA is a small town located in the Atlanta Metropolitan Area. The rural areas around Lilburn provide relaxing scenery for driving. This may be the perfect spot to take your older car for a leisurely drive. It’s important, however, to make sure your older vehicle is adequately insured.

What is Considered an Older Car?

While there’s no specific definition of what is considered an old car, some financial experts recommend switching from full coverage to liability when a vehicle is 10 years old. While the value of each individual car will vary, once a car is over 10 years old, insurance needs for most vehicles will change. No matter how old your car is, in the state of Georgia you will need to have a minimum of liability insurance.

What Kind of Insurance Should You Have?

While newer cars are often more expensive to insure, older cars aren’t automatically less expensive. This is because it’s sometimes difficult to find and replace parts in older cars. The value, age, and use of your vehicle will largely determine what type of insurance coverage you’ll need. Whether it’s worth it to still carry comprehensive and collision coverage for an older car will depend on a few factors, including if you still owe money on the car. You’ll want to talk with an experienced auto insurance agent to find out what type of coverage is best for your older car.

Contact Garrison Insurance Group

Garrison Insurance Group in Lilburn, GA is an independent agency serving the Atlanta area. We provide a wide range of services, including auto insurance. We can provide you with insurance for your older vehicle. Contact our insurance team today for more information.

Mitigating Cyber Risks: Why Businesses Need Cyber Liability Insurance

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In today’s digital age, Georgia-based businesses are more reliant on technology than ever. While depending on the use of technology to manage critical data, including customer records and details, can benefit businesses, it can also have risks. The threat of cyber-attacks via data breaches and malicious online activities like hacking and virtual thefts can cripple a business. 

Our knowledgeable insurance agents at Garrison Insurance Group in Lilburn, GA can help you protect your digital investments! 

What is a Cyberattack?

A cyber-attack happens when outsiders deliberately attempt to access and tamper with computer systems networks and compromise digital data.

Virtual attacks are often carried out by individuals who want to steal sensitive data, disrupt business operations, or cause intentional damage to businesses and organizations by hijacking their most essential data. 

Examples of Cyberattacks Waged Against US Businesses 

  1. Malware Attacks
  2. Phishing Scams
  3. Denial of Service Attacks
  4. Brute Force Attacks
  5. Insider Threats
  6. Social Engineering 

Cyber liability insurance offers policyholders specialized coverage that can protect them from the financial fallout caused by data breaches and cyber-attacks. 

Protect Your Business from Virtual Threats with Cyber Liability Insurance

When a business experiences a cyberattack, its operations can be impacted for hours, days, or even longer when nefarious cyber criminals hold their data hostage and demand payment to unlock critical customer files. Get protection from financial loss with cyber insurance, which can provide protection from liability, cover regulatory fines and penalties, and support Lilburn, GA area businesses in online reputation management. 

Insurance professionals can work with business owners to help them implement a policy that provides customized cyber insurance coverage and peace of mind when they know their customer data is protected. 

Schedule A Consultation Today

Contact a licensed insurance agent at Garrison Insurance Group to start protecting your data today! 

Home insurance FAQs

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Home insurance is an important part of any homeowner’s financial planning. At Garrison Insurance Group in Lilburn, GA, we serve the greater Atlanta area providing our customers with more choice from the many carriers that we offer. We pride ourselves on providing the highest level of personalized service to our customers. 

What property and perils are excluded from most homeowner policies?

If you have certain breeds of dogs or exotic pets, the chances are that your home insurance policy will not cover them. Be sure to verify your dog’s breed with your insurance agent. When it comes to perils, floods will not be covered. You need to add flood coverage if your home is in an area where the danger exists. Earthquakes, sinkholes, landslides, and mudslides are also not covered. Most policies also will not cover sewer backups. 

When can an insurance company cancel my homeowner’s coverage?

The most common reason for cancelation of a home insurance policy is nonpayment of the premium. It can also be canceled if it is discovered that you have committed fraud or misrepresentation. The insurance company can require that you make necessary repairs that your home requires and if you fail to do so, they can cancel your policy. 

If my tree falls on my neighbor’s house or property, who is responsible?

In most cases, their home insurance will pay for the damage. If it is felt by their insurance company that the cause was negligence on your part, they may try to get reimbursement from your insurance company. This is why it is important to make sure that you maintain any of the trees in your yard. 

Schedule A Consultation Today!

At Garrison Insurance Group in Lilburn, GA, we can help you with any questions you have about home insurance. Give our office a call for a no-obligation quote. 

Four things that might surprise you about renters insurance

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If you live in a rented home in Lilburn, GA, you should invest in renters insurance. We can answer questions you have about renters insurance at Garrison Insurance Group. 

The following are four things that might surprise you when it comes to renters insurance:

Renters insurance can cover alternative living space if your rental unit becomes uninhabitable. 

An event like a fire can make it so that your rental unit is no longer safe to live in. In this case, you can take advantage of alternative living space coverage to pay for the costs of alternative lodging until your rental unit is repaired. 

Renters insurance covers you for theft.

You may already be aware of the fact that renters insurance can cover you for damage caused by fires or plumbing accidents. However, you might not be aware of the fact that renters insurance also covers you for damage caused by theft.

Renters insurance typically covers you for damage caused by both theft and vandalism. 

Renters insurance protects you if you face a lawsuit.

When you have guests in your rented home, you may be responsible for medical expenses if they become injured. Rental insurance pays for liability expenses you face as a renter. 

You can’t be covered by your roommate’s policy.

A renters insurance policy only covers the policyholder. Renters insurance policies don’t cover the entire household in a rental unit. Unfortunately, you can’t get coverage from the renters insurance policy that your roommate carries.

Reach Out To Us

Renters insurance is an important financial product that protects your finances. If you need a quote on insurance for your rental home in the greater Lilburn, GA community, get in touch with us at Garrison Insurance Group.

What should I think about when getting a motorcycle insurance plan?

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If you live in the Lilburn, GA area, owning a motorcycle could be a good idea. When you do own one, it can make it a fun way to get around the community in an efficient way. As you are looking for a motorcycle, you need to get coverage for it. There are various factors to think about when you are going to build a motorcycle insurance plan. 

Level of Coverage

One factor to consider is the level of coverage that you will need through your motorcycle insurance plan. There are a lot of factors to consider when building a plan, and the level of coverage should be a top priority. For both your comprehensive coverage and liability protection, there are different levels of coverage you can receive. While you will want to ensure you are appropriately protected, getting too much coverage could be unnecessary. Considering your individual needs and building a plan accordingly is important. 

Coverage Requirements

It is also very important that you consider your personal coverage requirements when you are going to create a motorcycle insurance plan. Most people that own a motorcycle will have some requirements. If you want to use the motorcycle on a public road, you will be required to carry liability coverage by state law. If you have a loan out against the motorcycle, the lender will likely require a full policy. 

Reach Out To Us

Anyone that lives in the Lilburn, GA area will want to ensure they have the right insurance in place. When you do get this type of insurance for your motorcycle, it would be a good idea to call our team with the Garrison Insurance Group. If you do call us at the Garrison Insurance Group, you can learn far more about your options to build an ideal plan. 

How Does Condo Insurance Differ From Home Insurance?

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If you have recently purchased a condo or are looking to purchase one in the near future, you may come to learn that you will need to purchase condo insurance. One of the questions that people have when they first hear about condo insurance is how exactly condo insurance differs from home insurance. Here at Garrison Insurance Group, serving the greater Lilburn, GA area, we want to help answer any questions you may have.

Here is more information about how condo insurance differs from home insurance. 

How Does Condo Insurance Differ From Home Insurance?

Condo insurance, also known as HO6 insurance, covers your personal property and the interior of your condo unit, such as walls, floors, and fixtures. It also provides liability coverage for accidents that occur inside your unit or that you are responsible for, such as damage caused to a neighbor’s property.

On the other hand, home insurance, also known as HO3 insurance, covers the structure of your entire home, including the roof, walls, and foundation, as well as your personal belongings. It also provides liability coverage for accidents that occur on your property or that you are responsible for.

Another difference between the two policies is that condo insurance may include coverage for certain shared areas, such as the lobby or swimming pool, which are owned by the condo association. In contrast, home insurance typically does not cover shared spaces.

We Can Help!

While the basic idea behind condo insurance and home insurance is the same, what is covered can vary between the two different types of policies. If you are looking to purchase a new condo insurance policy in the greater Lilburn, GA region, Garrison Insurance Group would love to help you. Call us today to obtain an estimate. 

Why Life Insurance is Necessary When you Turn 65

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When you reach a certain age, like the age of 65, it might be time to think about obtaining life insurance.  Most people tend to retire at this age, and it could be beneficial to your loved ones if you were to pass away.  Our team at Garrison Insurance Group serving Lilburn, GA could work with you in finding the right type of life insurance plan for your needs.

Why Life Insurance?

Protects your Family

As was mentioned earlier, something could potentially happen to you when you turn 65 depending on your health.  In this case, you need financial protection for your spouse and children.  It could also be vital if you have children with special needs.  Most people buy life insurance to protect their families financially.

It’s Necessary if You’re in Debt

When you reach the age of retirement, you’ll likely be out of debt.  However, that isn’t always the case.  Many seniors are still paying off a mortgage or even have some student loan debt left.  A recent report study showed that 32% of people aged 70 and over were still making house payments in 2019.  If you are going through this, it’ll be best to have life insurance to pay off those debts.  It makes it easier to alleviate debt relief.

Life Insurance is an Important Aspect of your Financial Plan

If you have some financial goals for the future, having a life insurance plan could make it easier to achieve them.  Whether it is starting or growing a business, paying down debt, or just wanting to leave some financial protection for your family, having a life insurance plan makes things easier for you.  Work with a good insurance advisor in choosing a plan that’ll suit your financial goals.

Contact our Office Today

If you just turn 65, you must get life insurance to protect your family’s needs, pay down debt, or have it be a part of your financial plan.  Contact our Lilburn, GA office at Garrison Insurance Group to help you find the right plan today.    

Auto Insurance Claims: What You Need to Know Before Filing

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At Garrison Insurance Group, providing insurance products to residents in the greater Lilburn, GA area, we know that accidents can happen to even the best of drivers. If you have found yourself in that position, we want to help you understand what you need to know before filing an auto insurance claim. 

Consider the Deductible Versus the Damage

One of the first things that you want to do if you are in an accident is to consider your deductible versus the damage. If you were involved in a minor fender bender that left scratches on your car, it might be cheaper to repair the car on your own. However, if there is significant damage, you will want to file a claim. 

Be Sure to Have All of the Information You Need to File a Claim

If you have decided to file an auto insurance claim, make sure you have all of the information you will need on hand to make the filing process fast. This includes having the other driver’s name, license number, type of automobile, and insurance information, and being able to state how and where the accident happened and who you feel was at fault. 

Know That You Can Select Any Auto Body Repair Shop

Lastly, you should always be aware that you have the right to select any auto body repair shop that you wish. Take your time and research different local shops so you are selecting one that is reputable and reliable.

We Are Here To Help!

Filing an auto insurance claim after an automobile accident does not have to be stressful, especially if you know you have a great auto insurance policy that fully covers and protects you. Our team at Garrison Insurance Group, serving the greater Lilburn, GA region, can help you obtain the best insurance policy for your needs. Call us now to begin the process.