Cumming GA

Three common misconceptions out there about condo insurance

Posted on by admin

It’s crucial to carry condo insurance to protect your property and possessions. Wichalonis Insurance Agency offers condo insurance policies to residents of Cumming, GA. 

You need to avoid believing in misconceptions about condo insurance that can make it, so you don’t get the coverage you need. The following are three common misconceptions out there about condo insurance. 

A standard condo insurance policy will cover water damage.

Condo insurance is similar to home insurance because it doesn’t usually cover flood or water damage. If you want to be covered for water damage in your condo, you’ll need to purchase add-on coverage or a separate flood insurance policy. 

Carrying condo insurance isn’t necessary if your condo community has its own insurance.

You still can benefit significantly from buying condo insurance even if your association already carries insurance. Condo owners need to realize that their condo association policy won’t provide all the coverage they need. 

A condo association insurance policy’s coverage is generally limited to common areas and the condominium building structure. These policies won’t provide coverage for a resident’s individual unit. You’ll need an individual condo insurance policy to enjoy this coverage. 

A condo insurance policy covers all your personal possessions within your condo.

There will be limits on how much coverage you get through your condo policy for your own personal possessions. You should ensure that your policy includes enough personal property coverage to cover the full value of your possessions in your condo. 

Contact us at Wichalonis Insurance Agency to learn more about condo insurance. We can assist you by providing you with the insurance coverage you need for your condo in Cumming, GA. 

Three situations when it’s important to update your auto insurance coverage

Posted on by admin

In certain situations, you may need to update your auto insurance coverage to ensure you have the necessary coverage. Wichalonis Insurance Agency can answer any questions about auto insurance coverage updates in Cumming, GA. 

The following are three situations when updating your auto insurance is important. 

You’re relocating to a new home.

If you’re moving, you may need to update your policy. You’ll need to change your policy if relocating to a new state. 

You also need to update your policy if your move has significantly impacted the length of your daily commute. Putting more or fewer miles on your vehicle every month could impact your premium and policy details. Be sure to notify your insurance provider of changes to your commute length. 

You’re buying a new vehicle or adding an additional car to your policy.

Your auto insurance provider needs to know about any vehicle changes on your policy. If you buy a new vehicle and want it to be covered by your policy, make sure you discuss this with your insurance provider. Changing the vehicle on your policy could change your premium costs. 

Your child has just gotten a license.

If your child has just learned to drive and gotten a license, you’ll probably want to add them to your auto insurance policy. You’ll need to notify your insurance company to ensure your policy is in effect when your child is behind the wheel in your vehicle. 

Call us at Wichalonis Insurance Agency if you need a new auto insurance policy. Our insurance company provides auto insurance coverage to motorists in Cumming, GA. Call us to learn more about our insurance offerings or to get an auto insurance policy quote. 

What are the benefits of having a condo insurance plan in Georgia?

Posted on by admin

If you live in the Cumming, GA area, purchasing your own home can be a great idea. You will enjoy various long-term benefits when you are a property owner here. An excellent housing option for many people here is to purchase a condo, which provides various benefits compared to other types of homes. Along with this purchase, you also need to get condo insurance, which offers multiple benefits. 

Cover Your Condo and Assets

An important reason to have a condo plan is to cover your condo and assets. When you purchase a condo, you will make a significant investment. A great way to protect this investment is by getting insurance for it. A condo insurance plan offers coverage for making repairs if a fire or other issues damage your condo. This coverage also extends to your personal assets kept within the condo. 

Meet Requirements

It is also a good idea to have this coverage to meet requirements. Condo owners are bound to have insurance requirements. If you are going to buy a condo, you will be subject to both condo association rules and provisions in your mortgage. Generally, these requirements will require that you carry insurance to protect your condo with an insurance policy at all times. 

Condo insurance should be considered a necessity for anyone in the Cumming, GA area. If you live in this part of the state, it would be wise to call the professionals from the Wichalonis Insurance Agency. The Wichalonis Insurance Agency team understands this coverage’s value and will provide you with any support that you may need. This can help ensure that your condo is appropriately covered moving forward. 

Tips For Teaching a New Teen Driver in Your Family

Posted on by admin

Many families have a tradition of teaching their new teen drivers how to handle a vehicle properly. Whether you are simply getting your new teen driver used to the family car or actually taking on the role of driving instructor, Wichalonis Insurance Agency of Cumming, GA wants to share these helpful tips.

Avoid Getting Emotional

When discussing safe driving with your adolescent, be cautious not to speak in a loud or overly enthusiastic voice if you have the propensity to do so. Teens tend to shut parents out as soon as voices get louder. Try to adopt a level voice that does not seem accusatory if you have anything critical to say regarding their driving. Instead of coming off as a criticism of their driving abilities, it should sound more like an impartial observation.

Realize That They Are Nervous, Too

Behind all that bravado, your teenager has some anxiety about learning how to drive, too. Every little twitch you have or clutching the door handle makes them feel like you don’t have confidence in them. Before driving, tell your teen verbally that you have confidence that they will be a good driver. That in itself will help to quell both of your nerves.

Don’t Fight in the Car

If you’ve tried and you and your teen keep getting into an argument, it’s better to let the experts take over. A driver’s education teacher is impartial and will get the job done without arguments in the car. In addition, they can cover essential aspects like not texting, not drunk driving, and defensive driving strategies without their advice coming off as parental control.

When your teen gets their driver’s license in Cumming, GA, Wichalonis Insurance Agency is here to help. Give us a call or contact us online to have your teen added to your family auto policy!

Life insurance is a good idea for single people

Posted on by admin

Wichalonis Insurance Agency is here for the Cumming, GA community. If you are wondering if life insurance is something you need as a single person, we are here to help you get the information you need to make a good decision. While there are obvious benefits for families with children, single people can also benefit from having a policy.

Benefits of life insurance for single people

The main benefit of life insurance for everyone, regardless of their marital status, is the knowledge that final expenses will be covered without family members and loved ones being financially burdened. This is why everyone should have a life insurance policy if possible.

Additionally, with a whole life policy, there are also living benefits. Even if you do not have children to provide for, in many instances, a whole life policy can offer a cash benefit. This means you could have sufficient cash accumulation for a down payment on a home or other major life expenses. Some life insurance policies are also effective tools for retirement planning.

There are many ways that a permanent life insurance policy could help provide future financial stability. If you thought you didn’t need life insurance because you didn’t have a family to protect, it might be time to reconsider. Learning more about life insurance’s many benefits can help you be better prepared for the future. 

Call or stop by today!

If you live in Cumming, GA or the surrounding area, Wichalonis Insurance Agency is here to help you with all your insurance needs. Contact our office today and learn more about how life insurance can help you secure a stable financial future. 

Two Ways Home Insurance Protects You

Posted on by admin

Owning a home is a significant investment, and it’s up to you to protect that investment the best that you can. When you have home insurance, you get several types of protection all in one policy. If you don’t have your home insurance policy yet, don’t wait to call us at Wichalonis Insurance Agency in Cumming, GA to get started. 

Home Protection

When you have a home insurance policy, it offers excellent protection for your home. It protects the structure and its materials from several damaging events that could happen to it. This coverage includes a wide range of events that can happen to a home, such as certain accidents and specific disasters. When you have this coverage, it can help substantially with the costs incurred after the damage has happened to the home. The cost of repairs can be tens of thousands of dollars or even more, and you need home insurance to pay for those repairs. 

Belonging Protection

All of your belongings inside your home can be damaged if a damaging event happens to the house. It isn’t just the home that can cost a lot after such an event- the lost belongings will also be a significant expense. It’s crucial to have home insurance for its coverage of all of your possessions and its protection for the home itself. If you think about what all of your items cost when added together, it soon becomes apparent why this coverage is so important. Don’t get caught without home insurance because of the great expense of replacing everything after everything has been destroyed. 

Cover Your Home

When you own a home, you must keep it protected at all times with insurance. Call us at Wichalonis Insurance Agency in Cumming, GA.

What does renters’ insurance cover?

Posted on by admin

Renting a home or apartment in Cumming, GA means you’ll need renters’ insurance. Most landlords require this type of insurance in the lease because it protects them from loss and lawsuits.

What your landlord’s policy covers

This blog from Wichalonis Insurance Agency explains what your renters’ insurance policy covers and your landlord’s home policy. Your landlord requires renters’ insurance in the lease because their homeowner’s insurance only covers their own liability and damage to the structure. Their liability coverage only extends to the public areas of the home.

That doesn’t mean an injured party might not sue the landlord if injured inside the home. That’s why the leases require the renters’ insurance of the lessee.

What does your renters’ policy cover?

Your renters’ policy covers the liability inside the home or apartment. If your visitor or business associate becomes involved in an accident while in the house, your policy covers the liability.

Your insurance policy covers your belongings if a named peril, such as a fire or tornado. Your landlord’s home policy only covers their furnishings or built-ins.

Your renters’ insurance also covers your need for a hotel room or other temporary accommodations when the home you rent incurs damage. Not all renters’ policies include this provision, but you can ensure that the one you obtain from Wichalonis Insurance Agency does.

We can also help you with add-ons to your policy that help protect the expensive items you own, such as the engagement ring you purchased for your soon-to-be spouse. Other add-ons include a rider for home-based businesses and hobbyist coverage that offers protection for costly hobby equipment like surfboards or cameras.

Contact Wichalonis Insurance Agency

Contact Wichalonis Insurance Agency for a renters’ insurance policy that protects your liability and belongings. Let us help you protect your Cumming, GA home.

What Are The Different Types of Motorhome Insurance?

Posted on by admin

Motorhome insurance is a specialized type designed to protect your motorhome in the event of an accident or other incident. There are many types of motorhome insurance, and it can be challenging to know which one is right for you. This article will discuss the different types of motorhome insurance available and help you decide which one is right for you.

1. Liability Insurance

Liability insurance is the most basic type of motorhome insurance. It covers your motorhome if you’re at fault for an accident. This type of insurance is typically required by law in most states.

Liability insurance from Wichalonis Insurance Agency in Cumming, GA will pay for the damage you cause to another person’s property in an accident. It will also pay for the other person’s medical expenses if they are injured in the accident.

2. Collision Insurance

Collision insurance is a type of insurance that covers your motorhome if it is damaged in an accident. This type of insurance will pay for the repairs to your motorhome, regardless of who is at fault for the accident. Collision insurance is not required by law, but it is often required by lenders if you have a loan on your motorhome. Collision insurance will pay for the repairs to your motorhome if it is damaged in an accident.

3. Comprehensive Insurance

Comprehensive insurance is a type of insurance that covers your motorhome if it is damaged by something other than an accident. This could include damage from a fire, theft, or vandalism. Comprehensive insurance is not required by law, but it is often required by lenders if you have a loan on your motorhome. Comprehensive insurance will pay for the repairs to your motorhome if it is damaged by something other than an accident.

Conclusion

There are many different types of motorhome insurance available. Liability insurance is the most basic type of insurance and is typically required by law. Collision and comprehensive insurance are not required by law, but your lender may require them if you have a loan on your motorhome.

Shop around and compare rates before you purchase motorhome insurance. Wichalonis Insurance Agency in Cumming, GA can help you find the right policy for your needs. Give us a call today.

Common RV Safety Hazards

Posted on by admin

When it comes to long-distance travel, few modes offer the freedom and adventure that RVing offers. As a mode of transportation, it provides the space to camp where you want, when you want. It also allows travel in style and comfort, with amenities like air conditioning and televisions. But with this kind of freedom also comes a variety of safety hazards.

If you’re planning to leave Cumming, GA, Wichalonis Insurance Agency has some tips to keep you and your RV safe for a camping trip in an RV.

Guard Your RV Against Fire

Fires are the most significant cause of RV loss in the United States. According to the National Fire Protection Association, over 2,000 RV fires happen yearly. Many things cause an RV to catch fire, including faulty wiring, appliances, and improper storage. To keep your RV safe from fire, here are a few tips to keep in mind:

  • Always have at least three fire extinguishers in your RV.
  • Plan and memorize your escape routes. (Have at least two.)
  • Check all your 12-volt connections to avoid shorts.
  • Inspect for leaking fluids.
  • Turn off all propane appliances and shut off the tank before driving.

Be aware of your RVs height and weight.

Many accidents happen because of a lack of clearance. Ensure your RV has enough support to avoid hitting objects in your path. This includes high things like trees, power lines, and obstacles that need more space, like mailboxes and fire hydrants. Don’t take turns too fast, either.

Be aware of other drivers.

The "See and Be Seen" rule applies to motorized vehicles, including RVs. Make sure other drivers can see you and that you can see them. Always use your turn signals and headlights.

Things can go wrong when you’re trying your best to be safe. If you have an accident, a good RV insurance policy can help you get back on your feet. If you own an RV in Cumming, GA, contact Wichalonis Insurance Agency for more information.

Will commercial insurance cover the personal car I use for my business?

Posted on by admin

Many business owners use their personal cars for company affairs. As a result, determining the proper type of coverage is in order. Will your personal car insurance cover your vehicle if you use it for business, or should you invest in commercial auto insurance? These are good questions. The answer to these questions is heavily based on how you use your car for business. Our team at Wichalonis Insurance Agency is invested in helping Cumming, GA business owners find the best type of auto coverage. 

What is Commercial Auto Insurance?

Commercial auto insurance is designed to provide liability coverage for the vehicles used in your business. Like personal car insurance, commercial car insurance is designed to provide liability protection for accidents or damage caused by company-used vehicles. This insurance also provides personal injury coverage for anyone injured while driving or riding in vehicles owned/used by your company. 

Will Commercial Auto Insurance Cover my Personal Car if Used for Business?

If your personal car is used for business purposes, it can be covered under a commercial auto policy. Depending on what you use your vehicle for, your personal auto insurance may not cover the vehicle you use for business. There’s a risk factor that an insurance company will consider. You could be charged more or denied coverage altogether. Our team at Wichalonis Insurance Agency will gladly help Georgia business owners explore the benefits of commercial auto insurance. Simply using your car for business trips would make it eligible for business/commercial auto insurance. However, one of our agents would be happy to go into more detail. Give us a call. We’re standing by.