Dog Bite Liability

Dog Bite Liability Many, if not most of us, enjoy spending time with man's best friend, the dog. But did you know Georgia is ranked in the top ten for the number of dog bite incidents? In 2016, there were 462 dog bite claims in Georgia alone. The average...

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Replace Your Smoke Alarms?

We all know that we should replace the batteries in our smoke alarms on a regular basis. Many of us follow the plan of changing your smoke (and carbon monoxide!) detector batteries whenever you change your clocks. Spring forward, fall backward, change your smoke...

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Lightning Coverage and Safety

Lightning Coverage Damage caused by lightning, such as fire, is covered by standard homeowners and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of lightning striking a home or...

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Homeowners Insurance Limitations

What's Covered in a Homeowners Policy? Most people know that the contents of their home (called Coverage "C" in the policy) are insured on their homeowners policy. Usually for some percentage of the coverage on their house (typically you'll have an additional 50% of...

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Teen Texting and Driving

Despite all the attention given to it, 9% of all vehicle fatalities involving teenagers involved texting and driving. Cell phone use in general accounted for 14% of all fatal accidents in 2015. (according to TeenSafe.com) Here's a few tips and reminders...

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Why You Might Need Umbrella Insurance

What is Umbrella Insurance? An umbrella insurance policy provides an additional layer of liability insurance over and above the liability limits available to you under your homeowners or auto insurance policy. We always recommend that our clients purchase an umbrella...

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Severe Cold Weather Guide for Homeowners

As unseasonably cold weather sets in, here's some tips and reminders from the Insurance Information Institute on how to survive cold weather and things to do to protect your home. Much of North America experiences periods of severely cold weather and is...

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Christmas Tree Fire Safety

Who doesn't love the smell of a real, live Christmas tree? A live tree evokes memories of childhood holiday seasons. But, a real tree does introduce some hazards to your home. Christmastime is one of the busiest seasons for firefighters, and tree fires are...

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Homeowners Insurance – Fire Claims

In 2016, fire departments in the US responded to fires on average every 24 seconds! Here's some additional statistics from the NFPA One home structure fire was reported every 90 seconds. One civilian fire injury was reported every 34 minutes. One civilian...

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Are Trees Covered By Insurance?

If a tree falls and hits your house, are you covered? The short answer is, yes. The coverage is quite straightforward: if a tree hits a home or other insured structure, such as a detached garage, standard homeowners insurance policies provide coverage for the damage...

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