Will Georgia Home Insurance Pay For Sewer Back Up Clean Up?

Will My Home Insurance Pay For Sewer Back Up Clean Up in Atlanta?

Monday, January 25, 2010

Atlanta home insurance and sewer back up

You know how hard you work at keeping your bathrooms clean. Now , close your eyes for a moment and try to imagine how disgusting it would be to see raw sewage overflowing from your toilets in your bathroom.  Now imagine what it would be like to have to clean it all up yourself!

But wait… that is what I have Atlanta homeowners insurance for, right?

Will my homeowners insurance policy cover me for sewer back up?

The answer really depends on you. Allow me to explain.  Typically, sewage backups are  not covered by home insurance policies unless you purchase a special rider for them to do so.  Unfortunately, most homeowners do not find out about this until it is too late.

Will the city pay for my sewer backup cleanup?

After exhausting the possibility of having your insurance company pay for cleanup, many people try to go after the city they live in. After all…  this is what they pay water and sewage tax for, isn’t it?

Unfortunately, the city isn’t liable unless the homeowner can prove negligence … and is willing to go to court to fight it out.

Where does that leave you and your overflowed toilets?

Sorry to say you will have to clean them yourself or pay someone o do so. The good news is that since this hasn’t actually happened yet. (Hopefully!)  Go get your policy now and read it. If you have a question pick up the phone and contact your local insurance agent and they will tell you if you are covered or not. The best part of this is that you can add a rider to your policy for anywhere from $50 to $100. Considering the alternatives, I think you will agree it is worth it.

Lloyd Pro Group and Nationwide Insurance have been helping Atlanta protect what matters most since 1985. They can be reached at (770) 497-1200

Published in: on January 29, 2015 at 9:44 pm  Leave a Comment  

The best home insurance discounts

How To Get The Best Home Insurance Discounts in Atlanta

Tuesday, March 29, 2011

Who else wants home insurance discounts?

Atlanta home insurance is a must for your home. There’s no question about that. Most home insurance companies are comparable with the coverage they offer, but not necessarily with their rates. Lloyd Pro Group, representing Nationwide Insurance, wants to make sure you not only have all the coverage you need for your home, but at the best price that you deserve too.
Here, we list out some of the discounts that we offer for our Georgia home insurance policies. How many apply to you? We don’t hide our rates or specials from our clients- we help you save! Get an Atlanta homeowner’s insurance quote or an On Your Side Review today!

Atlanta Home insurance and auto insurance discount

When you combine your Home insurance and your car insurance, you will save big. You can get up to a 20% discount on a home insurance policy when you insure your car and home together.

Protective device discount

Alarms are more than just a deterrent! You can get up to a 15% discount if your home is equipped with smoke detectors, fire alarms, burglar alarms, or other qualifying devices.

Claims-free discount

Have you been claims-free in the past five years? You can get up to a 20% discount on your homeowners insurance when you don’t have any claims.

Age of construction discount

Depending on your home’s age, you can get up to a 30% discount. Homes less than 5 years old can qualify for a new home construction discount.

Age of insured discount

If you are 60 or older, you can get up to a 15% homeowners insurance discount.

We have several other home insurance discounts that you may qualify for as well.

Give us a call now at 770-497-1200 to find out how much you can save! There’s nothing better than getting your favorite great product on sale! We provide you the best of what we offer at the lowest rates just for you! Save now on all your insurance with Lloyd Pro Group and Nationwide on your Atlanta home insurance and much more!!

Published in: on January 28, 2015 at 9:42 pm  Leave a Comment  

What Does YOUR Atlanta Home Insurance Policy Cover?

What Does My Atlanta Home Insurance Policy Cover?

Friday, March 12, 2010

Do You Know What Your Atlanta Home Insurance Policy Covers?

Not all home insurance policies are created equal. Here is an overall view of what homeowners insurance can cover. Check with your home insurance agent in Atlanta as to what you have on your own individual policy. Are you ready?

  • Dwelling: This coverage protects the actual structure of your home. For example; the roof, walls, carpeting, etc
  • Other Structures: This coverage protects any structures not attached to your home. For example you might have a shed or detached garage on your property
  • Personal Property:  This coverage protects your personal things  like  your clothes, furniture, appliances, TV, computers, etc.  The best part is that it gives you coverage both on and off the premises. That means if your personal things are stolen out of your car you would be covered also. This is the same kind of coverage that you would have if you were looking for renters insurance.
  • Loss of Use: This coverage pays when you might have to move out of your home while repairs are made from damage caused by a covered loss
  • Liability Insurance: This coverage protects you in case someone is hurt on your property
  • Medical Payments: This coverage pays for medical and/or funeral expenses incurred by a person on or off the insured’s property

Source:

Of course every home owners policy is unique to the individual that is paying the premium. The sad truth is that most homes are under insured. If you have any questions about your home insurance policy then please call us now and we will be happy to review it and explain it to you.  We will also check to see if you are getting all of the Atlanta home insurance discounts that are available to you.

Lloyd Pro Group and Nationwide insurance have been providing Atlanta home insurance for families since 1985. They can be reached at (770) 497-1200

Published in: on January 27, 2015 at 9:40 pm  Leave a Comment  

Are you covered for Flood insurance ?

Are You Covered With Flood Insurance with your Home Insurance Policy?

Homeowners insurance does not include Flood Insurance.

Did you know that home insurance in Georgia does not cover flood insurance?

Many people don’t. They assume that since it is regarding the home, the flood insurance to cover the home is included in the home insurance. You will need a separate flood insurance policy to cover your home. You can get this policy through your agents at Lloyd Pro Group.
At Lloyd Pro Group we want to make sure you understand the specifics of your flood insurance and homeowners insurance coverage and are fully aware of all your options- especially when it comes to your homeowners or renters insurance policy.

Because Georgia homeowner’s insurance and renter’s insurance do not cover floods, it has is becoming increasingly imperative for you to purchase a custom Georgia flood insurance policy to appropriately protect your home, especially if you are located in a flood zone.

Natural disasters happen- and most without warning. It is up to you to shield yourself from the consequences and trouble they can cause. That’s why at Lloyd Pro Group, we continue to help you are aware of your options, understand the risks, and get the coverage that works for you.

As you know, we provide excellent home insurance and renter insurance policies. But we also want to ensure that you recognize that there may be gaps in your coverage that need to be addressed. Our home policy covers the structure of your home insurance as well as liability, but there are additional risks that you may need a separate insurance plan for, such as flood insurance.

Published in: on January 26, 2015 at 9:36 pm  Leave a Comment  

How to protect your home from burglary

Protecting your Home against Burglary and Save on Home Insurance:

Protecting your home from theft and burglary is a consideration when it comes to home insurance. Theft claims ore ones that can raise your premium and no one wants to feel the violation when an unwanted person is in your home and rifling through your possessions. No one wants to go through the heartache of losing valuable items or making a claim to your home insurance. Now for the good news: there are precautions you can take to protect yourself and your family from burglary and theft.

–       Know your neighbors. Look out for each other. Create a neighborhood watch committee if yours doesn’t already have one. You can even have the local police department come in and host for you.

–       Trim your shrubbery so it doesn’t cover any doors or windows. Burglars look for places to hide- especially near openings. Don’t give them the opportunity.

–       Use deadbolt locks and secure all entries into your home. Keep doors locked while you’re there. Deadbolts and a security alarm are both discounts on your home insurance policy!

–       Install a peephole in your front door, and use it. Know who it is at your door before you open it. Don’t give bad guys the chance to force their way in.

–       Talk to your kids about not opening the door to strangers. Make sure they know to not to let anyone know a parent is not home..

–       Don’t hide keys outside the front of your house. If possible, make sure everyone has their keys. Keep one for emergencies, but not hidden where anyone can watch where.  Maybe around back, where a passerby can’t see what you are doing. Many crimes are those of opportunity.

–       Mark valuable property with a code or number you would recognize. Dremel tools are inexpensive and super handy. For one, you can etch your initals into about anything. Any type of permanent identifying marks will deter a would be thief.

–       Use timers to turn lights and radios on and off when you are on vacation, and stop newspaper and mail delivery until you return home. If anything, have a neighbor bring mail or newspapers inside. You can keep a radio or TV on during the day, too.
Lloyd Pro Group, representing Nationwide Insurance, is here for our clients- through thick and thin. We want to make sure that you are covered for all possibilities, but that we also provide you with the tools to prevent any kind of loss. If you need a quote for home insurance, car insurance, life insurance, or any other needs, please call 770-497-1200, click, or come by

Published in: on January 25, 2015 at 9:34 pm  Leave a Comment  

Are you covered for a tornado?

Are you covered for a tornado in Atlanta?

While tornado’s are relatively rare here in Atlanta we have had our fair share over the last few years, haven’t we?  That brings up the question then,  will your Georgia home insurance protect you in case a tornado? Will your home and belongings be covered if there is any damage to them? Hee are a few tips to help you answer that question.

1: Check your homeowners policy

Yes, your home is usually protected against tornado and wind damage as long as you pay your homeowners insurance premiums. It wouldn’t be a bad idea though to double check your policy for the details. If you are not too sure just contact your GA insurance agent and they will answer that question for you.

2: Call your agent asap

So in the instance of  your home being hit by a tornado you need to contact your GA insurance company ASAP!  Why is this so urgent? Well depending on your coverage  and the state you live in your policy might actually put a time limit on filing tornado claims. This means that every moment counts.

Now remember, in the event of a tornado you probably will not be the only ones filing a claim. This is another reason to call them as soon as possible. These claims will be addressed by priority so the more damage to your home, then the sooner you will be helped. Make sure you give them all of your contact information.

3: OK… Prove It!

The key to this is being organized. Get a camera and a roll of film and document every part of the damage to your home and belongings. These photos will help you to get your claims both quicker and easier.

The reason we say you need to be organized is that you will need to show the value of the items that were destroyed. So do you have receipts and pictures of your belongings in a safety deposit box? If not, think of how frustrating it will be to try to prove it later on to the insurance company.

4: Don’t trust every huckster that rings your bell offering to help you with the damage

Remember that sscammers and nake oil salesmen come out of the woodwork during times of natural disasters like this. So be leary of every one that comes knocking on your door wanting you to sign a contract. The offer to handle everything with the insurance company. All you have to do is sign on the dotted line.

What can you do?

  • Collect business cards
  • Ask for written estimates
  • Check proof of workers compensation insurance and general liability
  • Check references
  • Check for complaints with the BBB

Lloyd Pro Group and Nationwide insurance have been helping Atlanta protect what is most important to them since 1985. Lloyd Pro Group can be reached at (770) 381-5000

Published in: on January 24, 2015 at 9:32 pm  Leave a Comment  

Can YOUR iphone protect your belongings?

How can you use your iphone to protect your cherished valuables?

What would you do if a burglar broke into your home and stole your most valuable possessions? Unfortunately this happens every day in the world we live in. Sure you have GA home insurance to protect you,  but how do you prove what you had once it is stolen?

Clark Howard consumer guru from Atlanta tells us to  video tape them!

Here are a few tips on how to do this so you will have a recorded inventory of your valuables if you needed to present them to the insurance agency in case of a claim.

1.  Get your out your iphone or android phone camera. There are several ways to do this.

  • If you don’t have one borrow one from a friends and family. (This is the one that Clark Howard suggests because it is free!)
  • Years ago you would have to spend a lot of money on a video camera. Now smart phone cameras allow you to take awesome video!
  • Upload the video to your dropbox account.
  • Download the video directly to your computer.

2.  Walk through your home very slowly room by room panning your personal possessions. Take the time to get close ups of all the valuable things you have.

3.  As you walk talk about your items. Describe what they are in detail

4. Contact your home insurance company to ask them if there is anything else they would like to see in the case that you need to make a claim.

5. Make 2 DVD copies. One for you and one for the insurance agent in case they ask for it. Do not miss this important step. If you leave it on your computer and the computer is stolen you will be sorry.

6. Keep the DVD in a fireproof safe or better yet in a sfe deposit box so that it isn’t detroyed by fire or stolen.

We hope these tips will be helpful to you in cataloging your personal possessions whether you own a home or are just renting. Hopefully you will never need to make claims on your things, but that is what a little “insurance” is for!

Lloyd Pro Group and Nationwide have been helping folks with their homeowners insurance since 1985. They can be reached at (770) 497-1200

Published in: on January 23, 2015 at 9:30 pm  Leave a Comment  

How do you know you are REALLY covered with your property insurance?

How do I know that my personal things are protected with property insurance?

So you are loyally paying your Atlanta renters insurance and Atlanta home insurance premiums religiously for years. Thankfully you haven’t needed to file a claim yet.

But what if you needed to do so tomorrow… Would you be covered like you would hope to be?

It all depends on what kind of riders you have added to your policy.

Your Atlanta home insurance company offer “riders” that can be added to your policy to provide additional coverage.  For example here are two riders that you can select:

  • Actual Cash Value: The coverage will pay out on what the property  is worth at the time of the loss.  As you can imagine  this takes into consideration depreciation of the item based on  the Age of the item,  market value and the condition of the property at the time of loss or damage. In other words a $1,000 TV when new might only be worth $150 now after a few years of use.
  • Replacement Cost: This coverage will write you a check (minus the deductible) for what it would cost to REPLACE the item and buy you a new one if damaged or destroyed. It ignores depreciation completely.

In fact Clark Howard suggests that “replacement value” is the way to go on his radio show. Of course you will need to request this rider as it isn’t automatically part of your property insurance policy. In fact we would suggest adding this rider to anything you have that would be expensive to replace, like expensive jewelry for example.

If you are unsure about what kind of homeowner insurance protection you have or would like to learn more about replacement value riders then all you have to do is click, call or come by and visit for awhile.

Lloyd Pro Group and Nationwide insurance have been providing Georgia home insurance for Atlanta since 1985. They can be reached at (770) 497-1200

Published in: on January 22, 2015 at 9:26 pm  Leave a Comment  

Are you using a home inventory sheet yet?

Use a home inventory sheet to help you with your Atlanta home insurance claims

 

Nobody wants to lose their personal belongings to fire, theft or water damage. Yet, because “stuff happens” it is a real potential problem for all of us. So whether you have renters insurance or home insurance in Atlanta, pay very close attention to what we are about to share with you.

So what can you do to protect yourself?

This is where having a detailed inventory as well as proof of ownership at the time of a loss can really help to settle your  claims faster and easier.

Now an accurate inventory will take some time to put together, but remember how much time and headaches it will save you later on.

What should your home inventory include?

  • Walk through every room of your home and make a detailed list of your personal belongings
  • Keep the receipts of the items in your possession (to prove ownership later)
  • Record detailed descriptions of your things
  • Take photos  or video of the items in your home.

I am not going to lie to you… it will take some time to do this,  just focus on how happy you will  be in case you have a claim later on!

Where should I keep my inventory sheet?

It doesn’t really make sense to keep this at home, does it? In case of fire or water damage it would be destroyed. So the experts suggest keeping it in a safe deposit box if you can.

Whether you live in Marrietta, Austell, Smyrna, Vinings, Dunwoody, Roswell or anywhere in Cobb county for that matter a home inventory is essential in settling claims easily and quickly later on. Yet most people never bother to do so. Don’t fall into this trap too!

In a future article we will share tips for doing a home inventory that will reward you when you need it.

Lloyd Pro Group and Nationwide insurance have been providing homeowners insurance for families since 1985. They can be reached at 404-892-2864

Published in: on January 21, 2015 at 9:23 pm  Leave a Comment  

Cyber risk insurance quotes

For a free Atlanta cyber insurance quote go here>>>

Published in: on January 8, 2015 at 9:57 pm  Leave a Comment