Cumming GA

Why you need optional coverages in your RV insurance policy

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Your RV acts as your home and car when you’re out there. So it makes sense to have proper RV insurance in place to protect all the vital aspects of your home on wheels. RV insurance is more similar to auto insurance than home insurance as it involves driving to move from one place to another. 

At Wichalonis Insurance Agency, we recommend getting all the required coverages and speaking to your insurance agent about other coverages that can fill the gaps left. Remember you need to carry the minimum liability coverage if you own a drivable RV in Cumming, GA. Here are a few reasons why you should buy additional coverages.

To protect your personal belongings

If you live in your RV or spend most of your time in your RV touring vast Georgia and other surrounding states, you may want to pay extra attention to your personal belongings coverage. If you have extremely valuable items in your RV, a separate policy for them would be a better idea.

There will always be an emergency 

No matter how well you plan your trip, there will always be something escaping your mind, such as forgetting to carry your flashlight or locking the door properly. Depending on the level of forgetfulness, you may want to make sure that you have enough coverage in case of accidents.

Peace of mind

Whether you’re planning a short or long trip, you want to enjoy every bit of the journey without worrying about your safety and other financial needs. Most optional coverages such as roadside assistance and vacation liability are designed to provide peace of mind that whatever happens, your policy has you covered.

We can help you

At Wichalonis Insurance Agency, we care about your safety. To learn more about RV and other insurance options, feel free to contact us or visit our Cumming, GA offices at your convenience.

Is commercial insurance required in Georgia

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Georgia is one of the most business-friendly states in the union. In September 2020 it was named the "Top State for Doing Business" for the 7th year in a row. Commercial insurance offers very important protection to businesses to help them survive some hazards that could make doing business impossible. In Georgia, two types of commercial insurance are mandated, commercial auto insurance and workers’ compensation insurance. At Wichalonis Insurance Agency in Cumming, GA, we understand the risks businesses face, and we will take the time to help you create a policy to minimize the risks to your business. 

Commercial auto insurance

In Georgia, if your business owns any vehicles they must be covered by commercial auto insurance at the state-mandated rate. You must have 25/50/25 coverage. That means 25,000 for each individual bodily injury with a total of 50,000 for an accident and property damage to 25,000. 

Workers compensation insurance

Georgia law requires almost every employer to protect their workers with workers’ compensation insurance. It doesn’t matter if your workers are full or part-time. If your business has more than 3 employees even if they are seasonal, you need to cover them with workers’ compensation. It makes good business sense; workers stay longer and are more loyal when they care for by their employer. 

Just because it isn’t required, doesn’t mean you should not have additional coverage for your business. Commercial building insurance, commercial liability insurance, and business interruption insurance can all make the difference between being able to stay in business and having to close your doors. Risks are out there every day for every business whether it is weather-related, theft, or legal. Talk to your local independent agent to have a custom commercial insurance policy created for your business. 

Contact Wichalonis Insurance Agency in Cumming, GA for all your commercial insurance needs. 

Overlooked Boat Insurance Facts Georgia Residents Should Think About

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Wichalonis Insurance Agency offers coverage to the Cumming, GA community, as well as the surrounding areas. We take the time to consult with our clients and help them find policies that suit their individual needs. We can also evaluate your existing policies to see if any adjustments needs to be made. We want to make sure that you are protected regardless of the situation.

Overlooked Boat Insurance Facts

During warm summer days, many people enjoy heading out by the lake and spending time on their boats. Boat insurance is an asset that helps protect you while you’re on the water. You are covered if your boat collides with another object and suffers damages. Liability coverage protects you if your boat damages someone’s property or injures someone. You are also protected if your boat is stolen. While these are common facts, here is a look at some overlooked things that you may not be aware of regarding your boat insurance policy.

Navigational Limits

Your boat insurance policy will contain navigational limits that outline how far outside Cumming, GA you can operate your vehicle and still maintain coverage. This is an important thing to remember because it’s very easy to forget when you’re having a good time. However, mistakes can happen at any time, and you need to make sure that you are protected.

Custom Accessories

If you have custom accessories on your boat, consider adding extra coverage. This will ensure that your items are fully covered if they are stolen or vandalized.

Trailer Coverage

If you have a trailer on your boat, you can add coverage to protect you if your trailer is stolen or causes damage to someone’s property.

Wichalonis Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.

What Does Umbrella Insurance Cover?

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When it comes to having an extra layer of protection and security on top of the regular insurance policies you may already have, umbrella insurance is the way to go. This type of insurance covers the policyholder and the policyholder’s family members and people living in their household. You can utilize this type of extra coverage along with your auto insurance policy, boat insurance policy, in even your commercial business insurance policy. The umbrella insurance agents at the Wichalonis Insurance Agency in Cumming, GA can assist you with all of your insurance needs.

If you own a home or a business, an umbrella insurance policy will cover liability claims over and beyond what your commercial business policy or homeowner’s insurance policy already covers. It can even add an extra layer of protection for rentals you may own.

For example, if you are a homeowner and someone slips and falls at your house, your homeowner’s insurance policy will pay for their injuries and possibly time off of work, however, if the person’s injuries are extensive, your umbrella insurance coverage will protect you from losing your home because it will pick up where your regular policy left off. Another example would be if you own a tree trimming business and a branch falls on a passerby. Your business insurance will cover the person’s injuries but if they decide to sue you, umbrella insurance will pay the extra amount that is owed.

Basically, an umbrella insurance policy provides you with not only extra insurance coverage to go along with the policies you already have, but it provides you with a greater sense of security and better Peace of Mind. In the type of world we live in today, it is a good idea to have an umbrella insurance policy in place.

If you are interested in starting an umbrella insurance policy to protect your assets, you should contact the umbrella insurance agents at the Wichalonis Insurance Agency in Cumming, GA for a quote and get your umbrella insurance policy started today.

The Basics of Condo Insurance

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Condo insurance covers repairs of damage to the interior of your condo and replacement or repair of your personal contents that have been stolen or damaged by fire or vandals. Before purchasing condo insurance it is important to first review what coverages you have available to you under your condo’s homeowner’s insurance policy (the master policy) so you do not obtain duplicate coverage.  Master policy insurance usually only covers areas like the roof, walls and floors, and central heating units as well as the common spaces such as a meeting or exercise room in your condo community. Read on to learn more about the various condo coverages available to you through Wichalonis Insurance Agency in Cumming, GA. 

Types of Condo Insurance Coverage

  • Condo Personal Liability Insurance Coverage

Personal Liability coverage covers accidental injuries to anyone visiting you in your condo when an accident is your fault. It covers medical expenses as well as any resultant legal expenses.

  • Condo Guest Medical Coverage

Condo guest medical coverage covers medical expenses for someone visiting your condo even in the case that you are not at fault.

  • Building Property Coverage

Building property coverage covers the expenses due to damage to the walls, built-in bookcases, and other fixtures (integrated appliances) within your condo.

  • Personal Property Coverage

Personal property coverage covers damaged or stolen personal property including clothing, furniture, appliances, and electronic devices.

This type of coverage can either reimburse the actual cash value on a depreciated basis or can reimburse the replacement cost value.

Most personal property loss policies have a maximum coverage amount as well as a deductible.

Summary

Call us today or visit us online for a free condo insurance quote. The Wichalonis Insurance Agency serves the Cumming, GA and surrounding Forsyth, Georgia area.

Should I get auto insurance when I am in Georgia?

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The Cumming, GA area will continue to be a great place for people to live. Those that are around here could find that there are a lot of great opportunities for success and fun. However, it may require owning a car. If you are going to get a car here, you also need proper insurance. There are several reasons that you need this coverage. 

Auto Insurance Protects Car

A reason many people in Georgia get auto insurance is that it will protect their car. Having a car is a necessity for a lot of people in this state. Without it, getting to and from work or school could be impossible. Because of this, you need to make sure that you have the capacity to repair or replace it. One great way to guarantee that you can is by getting an auto insurance policy with full coverage.

Auto Insurance is Legally Required

You should also get an auto insurance policy because you will be legally obligated to do so. When you are in the Cumming GA area, you should understand the state laws when it comes to insurance. All people that live here will be required to have liability insurance when they drive. When you get auto insurance, it will include a provision for this. 

Anyone that is in Cumming, GA, and would like to get proper insurance should call Wichalonis Insurance Agency. When you are looking to insure your vehicle in this area of the state, there are a lot of important decisions that need to be made and factors to consider. The team with Wichalonis Insurance Agency can make this process a lot easier for you. The insurance team can help you evaluate your needs and options and pick your next auto policy. 

How Does a Home Inventory Help with Filing a Home Insurance Claim?

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At Wichalonis Insurance Agency, we encourage all Cumming, GA homeowners to create a home inventory to facilitate filing a claim in the event of a loss. A home inventory is an itemized list of all the items you own. If any of your goods are stolen or damaged in a covered peril, a home inventory will make it easier for you to recuperate your losses. Here’s how a home inventory can help with the claims process.

Verifies Ownership of Goods

A home inventory can verify ownership of your personal goods. It should include an itemized list of your goods along with photos (or video) and receipts of high-end items to confirm their value. You can also have appraisals done of posh jewelry or original artwork.  If you have to file a claim due to theft or damage, you’ll have verification of owning these goods. This can help expedite the claims process.

Verifies Value of Goods

By including receipts or appraisals of your high-end goods, you’ll have proof of their value to make it easier to recuperate your losses. This will ensure you get full compensation for your loss in accordance with your insurance coverage.

Helps You Keep Track of Your Possessions

Without an inventory, it can be difficult to keep track of all that you own. If your Cumming, GA home is destroyed by fire or severe storm, you could miss out on getting compensation for items you lost due to overlooking these goods when making your claim. A home inventory provides you with an accurate record of your goods so you can get fully compensated for all of your losses.

For help in making a home inventory or to purchase a home insurance policy for your Cumming, GA home, contact us at Wichalonis Insurance Agency today.

3 Tips for Purchasing Auto Insurance in Cumming, GA

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Getting around in Cumming, GA requires a car, and to have a car registered, you need auto insurance. If this seems like a daunting task, rest assured that auto insurance is affordable and easy to obtain. To help you get started, follow these three simple tips outlined by Wichalonis Insurance Agency.

1. Bundle Your Insurance Policies

Do you have auto? home? life? RV insurance? If so, save money when you purchase auto insurance by bundling this new policy with all your others under one insurance carrier. This will save money on your premiums and make buying auto insurance even more affordable.

2. Compare Quotes

It’s always a good idea to compare several insurance quotes. The recommendation is three to five to really understand what is out there and at what cost. If you’re a visual person, write everything down and then do a pros and cons list. Also, work with a reputable agent to have your questions answered in real-time.

3. Work with a Reputable Agent

We also recommend working with a reputable agent because these industry leaders take the hassle out of searching for the perfect auto insurance policy. They are available to answer all your questions and concerns, compare quotes, find the right carrier, and bundle policies.

Ready to purchase a new auto policy, renew an existing one, or upgrade? The team at Wichalonis Insurance Agency are here to help. Simply give us a call to be connected to a reputable insurance agent and start comparing quotes today. Your agent will ask you a few questions to find out what you need and then go over each quote with you in fine detail. Call today!

Protect Your Cumming GA Business this Winter

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Winter will be here before we know it, and making sure that your Cumming, GA area business is protected will help you weather any storms that may come our way. The team here at Wichalonis Insurance Agency

Make Sure Your Business is Ready for Winter!

Winter in our area can be filled with some unpredictable weather! There’s no question that having the right insurance protection in place can make your life go a lot more smoothly, no matter what Mother Nature has in store for us. If there is a covered event that creates an unwanted impact on your company, having the right insurance can help make the situation a lot less stressful. 

There are a number of different steps that we can take to winterize our business locations, such as trimming back any branches that could cause damage, making sure that our pipes and water systems are in good shape, and reviewing our commercial policies to ensure that we have the appropriate level of protection. Without adequate insurance, whether it’s an incorrect policy coverage level, or a gap in protection, an already stressful situation can become a lot worse. Fortunately, with local agents who understand the ups and downs of our winter weather, it’s a straightforward process to acquire the appropriate coverage. 

Don’t wait until it’s too late to find out that you need different coverage or a higher level of protection, review your policy today!

Count on Wichalonis Insurance Agency to protect your Cumming, GA area business this winter. Now is the perfect time of year to make sure that your commercial policy has the protection you need. If it’s time for a policy review for your business, or you want to review your coverage portfolio, contact us today and schedule a consultation!

3 Tips to Protect Your Home While You Are on Vacation

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Residents who live in Cumming, GA and many of the nearby communities rely on the insurance agents of Wichalonis Insurance Agency for valuable tips and tricks on how to keep their homes secure all year long. Leaving your home to go on vacation can make it vulnerable to intruders unless you know ways to hide the fact that you aren’t home. The following tips will help you give the impression that someone is home.

Stop Mail/Paper Delivery

One of the biggest attention getters for burglars is papers laying on the porch or mail collecting in the mailbox. Stopping your service is the best way to prevent that from happening. If you don’t want to stop your delivery service, have your neighbor or a family member collect your mail/paper for you.

Set Timers for Your Lights and Home Security System

If you have a home security system, set timers so that your lights will go on and off according to your normal schedule. This can also be accomplished without a home security system. All you have to do is purchase timers that can be used on individual lights and set to the appropriate time.

Have a Friend or Family Member Housesit While You’re Away

You can also ask a friend or family member to stay at your while you’re away. Your house will remain occupied and well cared for while you’re away.

At Wichalonis Insurance Agency, residents of Cumming, GA can talk to a reputable agent and find the answers they need when it comes to keeping their home secured and protected while they are away. Visit the office today and let one of the agents help you find ways to keep your home safe!