November
17
2011
Combine your Auto and Home Insurance and Save!
By bundling your home insurance and your car insurance with one agency, you will be eligible for the biggest discount available. Lloyd Pro Group, representing nationwide Insurance, as well as many other carriers, offers a home and car discount when you have both policies with us. You could save about 20% on your insurance package when you have your home insurance with us along with your auto insurance.
We have many discounts available for you- and we do our best to try to find as many and the most effective ones to apply to your policies. Other home insurance discounts could be a new home purchase, alarm, updates to your plumbing, electrical systems, HVAC, etc… Auto discounts could be claims free discount, accident free discount, defensive driver courses, good student discount, and many more. But above all, the one to give you the best benefit is the home/car discount.
Did you know that just by combining your home insurance policy with your auto insurance policy, you will not only have great discounts, but great rates to begin with? Our new Georgia auto insurance rates can’t be beat!
Give us a call now at 770-497-1200 to speak to one of our friendly, knowledgeable, and professional agents to find out how we can help you save on your home insurance too!
November
10
2011
Fall Safety Tips and your Homeowners Insurance
Fall is in the air and I’m sure you don’t think much about your homeowners insurance when you are maintaining your home. Is there a correlation? Believe it or not, there is. Keeping your home in healthy working order will dramatically cut down on the risk of claims. We want to be sure to keep you informed of the best ways to keep you, your family, and your homeowners insurance safe every season.
Fall Home Safety
Keep your gutters clean and free of debris. When cleaning gutters and performing other home maintenance jobs, be sure your ladder is secure and tools are handy. As inconvenient as this may be, it will prevent other injuries- and videos on Youtube from laughing neighbors.
Lawn Safety
We think that when the grass goes dormant in the Fall, that our lawn maintenance duties are done. For the most part- but be sure to take care of a few pre-hibernation preparations for your lawn.
- Remove all dangers from shed or garage: make sure all gas powered equipment is run dry to avoid the risk of fires.
- If you are going to burn your clippings, make sure not to do this in a wooded area- especially on a windy, dry day. Keep your fires controlled in a fire pit or secured area.
Fire Pit Safety
Quality family time, yummy snacks, and sitting by the fire pit are a perfect way to spend cool fall nights. But keep these tips for safety at the top of your priority:
- Keep fire pit in an open area, clear of any branches, trees, and away from any structures.
- Make sure your fire pit is on level ground and your chairs are not kept too close.
- Establish rules and enforce them near your fire pit- warn your children (and some adults) of the dangers of fire.
- Bundle up with your jackets and blankets- but just stay far away from the fire pit. Sparks can fly and ignite non-fire retardant fabrics.
Lloyd Pro Group, representing Nationwide Insurance, is happy to bring you tips on staying safe this Fall. For a Homeowners Insurance quote, or any other insurance questions, please give us a call at 770-497-1200 or visit us online.
October
12
2011
What does my home insurance cover?
You know that you need home insurance for your home, but why? Is there a standard policy? What all does it cover? Will I need anything special? What do I need to know? With your home, you need to understand exactly how you are covered. All home insurance policies are not created equal, but there are the standard 6 types of coverages that are included in each policy.
Dwelling – Protects the structure itself from damage and loss. For example, before you moved in for the first time is what is covered. Walls, roof, windows, etc…
Other Structures – structures on your property that are not attached to your primary home, like detached garages, workshops, in ground pools… The usual amount of coverage for other structures is 10% of your dwelling coverage- but you may create higher limits if necessary.
Personal Property - protects your personal items, such as clothing, furniture, and household contents in the event they are stolen or destroyed any peril covered by your policy.
Loss of Use – Coverage in the event that you cannot live in your home due to a covered claim. Loss of Use coverage provides your reasonable living expenses, like hotel stay, food, clothing, etc… while your home is being repaired.
Personal Liability Protection – Coverage if you are facing a lawsuit for property damage or bodily injury of others. If you have a pet (especially a dog that is on the “list”), they are also included in personal liability of your home insurance policy. Other considerations would be if you have a pool, trampoline, or children, you may want to raise your typical limits.
Medical Payments – Covers medical expenses that you may be responsible in the event of an injury that took place on your property and there is no pending lawsuit.
Do you have a question about your current home insurance policy? Do you want to know how to get started on your new homeowners insurance? Need a fast and free home insurance quote? Give us a call at 770-497-1200. We will be happy to help you with all your insurance needs- home insurance, car insurance, renters insurance, and much more!
July
29
2011
Property Insurance and your A/C
Lloyd Pro Group, your choice for Property Insurance in the Atlanta, Georgia area keeps you up to date and educated about the news you want to read about and that affects you… This awful Atlanta heat wave is something that affect us all- and just how we can keep cool!
Air conditioning repair shops in the greater Atlanta area have been overwhelmed with calls. People have been having issues with either their air conditioning not being cool enough or, in some cases, not working at all.
While A/C repair shops are obviously their busiest this time of year, they say this extreme weather we’re experiencing has them overwhelmed. With the heat index over 100 degrees some days, they say it’s been tough trying to fix everyone’s A/C. No one wants to sit in this sweltering, humid heat any day, but there are some that get preferential treatment. Not fair. You think? Well, these are ones that actually need the cooler air for safety: those who have medical conditions, elderly people, and those with young children in the home. Can you imagine what it must have been like before air conditioning?
If you are having A/C issues, and can’t get a repair person out soon, there are some things to do: keep your blinds closed, run fans, keep cooking and running your dryer to a minimum (both can produce a great amount of heat the home), and most importantly, keep yourself hydrated! Another option is to go to a home improvement store and pick up a window A/C unit for a relatively inexpensive price… Even if you get relief quicker, it’s a great back up to have on hand!
And if you were wondering, no, your A/C is not covered by your Property Insurance, but you might want to look into a home warranty company like First American Home Warranty- a good idea to have to cover things like you’re A/C- especially if you are selling or purchasing a home. Lloyd Pro Group is your only choice for Property Insurance 404-892-2864.
July
21
2011
Homeowners Insurance Georgia Coverage
Homeowners Insurance Georgia is a MUST- it’s not an option, whether you own your home or rent. It is put in place and required by your mortgage company for your protection. Your Georgia homeowners insurance policy generally provides the protection for your property that you need in typical situations. But depending on your situation, it may not provide all of the protection you want or need.
You may also choose additional coverage options, such as additional personal property. Call your agent to find out just what you need- we will make sure you are covered for everything you need- no more and no less.
Basic homeowners insurance Georgia coverage typically includes:
- Fire and lightning
- Windstorm and hail
- Weight of ice or snow
- Smoke damage
- Falling objects
- Freezing damage
- Theft
- Vandalism
- Accidental overflow from plumbing
- Accidental electric damage to appliances
- Damage by vehicles
Your Lloyd Pro Group agent will ensure that you have the proper coverage for your life and needs. Get a free, complete, and quick homeowners insurance Georgia quote today by calling 770-497-1200 or feel free to stop by one of our 5 convenient locations around Atlanta. If you like, you can also stop by our virtual insurance office online.
Lloyd Pro Group, representing Nationwide Insurance Atlanta since 1985, truly cares about our clients. We provide you with the absolute best customer service possible for all your insurance needs. Whether it is Atlanta home insurance, Atlanta car insurance, Renters insurance Atlanta, Condo insurance Atlanta, umbrella insurance, and even Georgia business insurance, we have your homeowners insurance Georgia covered.
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