Why the minimum motorcycle coverage may not be enough for you

Motorcycle insurance can be difficult to understand in Georgia. There are state-set policy minimums that may seem adequate, but it can be hard to tell exactly what policy levels are right for your needs. The team at Wichalonis Insurance Agency is here to help you take a look at all of your options and determine which option is the right fit for your needs. You may be surprised to learn that the state-mandated minimums are not always enough to give you the full protection that you need. If you are a motorcycle owner in the greater Cumming, GA area, call or stop by today to learn more about the motorcycle coverage options that are available to you.

Minimum policy amounts can leave you responsible for any shortfalls in coverage

If you are involved in a motorcycle accident you may be liable for damage to another vehicle or to someone’s property. There may also be medical expenses that are incurred by either you or your passenger and sometimes both. If your policy is for the minimum amounts as governed by the state, you could find yourself in a situation where your policy limits are reached pretty quickly. Unfortunately, once your policy coverage maximums are reached, you will then be personally responsible for any overages. This can cause great difficulty to you and your family, especially if you are also dealing with medical issues. Now is the time to ensure that your policy provides the coverage that you need.

Owning a motorcycle is a great joy, and there’s no better way to enjoy the natural beauty in the greater Cumming, GA area! If you want to learn more about the motorcycle policy options that are available to you, call or stop by Wichalonis Insurance Agency today. 

What does boat insurance cover?

Your boat is a valuable asset that you worked hard to acquire. Countless hours spent in the office and the consistent discipline to purchase the necessities and forgo expensive desires have brought you to this moment. Why, then, with all the hard work it took for you to buy the boat of your dreams in Cumming, GA, would you sacrifice your financial stability by going without insurance.

There is certainly more to boat insurance than having a cushion that pays for damages to your vessel while it is docked. You also need an assurance plan that covers damages you cause while on the water. The agents at Wichalonis Insurance Agency can tell you more about boat indemnity plans. Read on to learn about what a good policy may cover.

What does boat insurance cover?

Boat insurance in Cumming, GA may cover the following:

  • Collision Damage
  • Property Damage
  • Bodily Injury
  • Non-collision Related Incidents

You may also want to consider additional coverage for roadside assistance, which finances your boat’s recovery when the vessel breaks down in the middle of the ocean. Some owners also purchase plans that cover fishing equipment as well as damages related to oil spills. It may not be a bad idea to purchase boat insurance that provides protection against uninsured motorists. Boat insurance is, after all, not legally required. The likelihood of a collision being with someone who does not have an indemnity plan is, therefore, quite high.

Call Wichalonis Today!

Some homeowners make the mistake of believing that their boats are covered under their home insurance plans. The reality is that your vessel is only covered under your home insurance plan while sitting in your garage or driveway. Your home assurance plan does not extend to the dock or the ocean. You need a boat insurance plan that covers property damage, bodily, injury, and other factors that arise when you take a ride on the water.

The agents at Wichalonis Insurance Agency can help you find the boat assurance plan that works best for you and your budget. Call today to get covered!

Umbrella Insurance – A Way To Take Care Of The “What-Ifs”

We at Wichalonis Insurance Agency in Cumming, GA liken the umbrella insurance product as a great big umbrella opening up when the light rain shower that was predicted has turned into a downpour.  

 Life is creative so we strive to be creative to go along with it. Umbrella insurance is a product that can be used to cover all of the?’s in your life. Generally speaking, umbrella insurance goes into effect where standard insurance ends. For example, if you are covered for liability of up to $ 100,000, Umbrella insurance may cover you for liability in the amount of up to $1 million. It is that extra added layer of protection that you hope you will never need. Some individuals lead lifestyles or have vulnerabilities that dictate the sheer necessity of umbrella insurance. Certain vocations and financial brackets carry the need for this type of extra added protection.

What if’s are inevitable in this thing we call life. We just have to make certain that we’re making the best decision for our home business automobile and particular lifestyle. Leave the professional knowledge of insurance products to us, you have more important things to do. A simple conversation can clarify whether or not you can benefit from umbrella insurance 

 Speaking with a professional insurance agent about the details of your life, your possessions, your commercial properties, real estate that you may own-will give you a clearer understanding if you can benefit from umbrella insurance protection. This doesn’t have to be a “what if”. You can learn today by speaking with one of our agents.

 Under the umbrella at  Wichalonis Insurance Agency we also provide insurance products for the following; auto, home, boat/watercraft, condo, life, motorcycle, motorhome, renters and recreational vehicle. We endeavor diligently to ensure that you have the correct insurance product for your lifestyle needs. Contact us today. Our office is located in Cumming, GA. Come in today and we look forward to serving you.

Why is condo insurance required in Cumming, GA?

People who own a condo have many similar concerns to homeowners. These can include protecting their property from accidents, severe weather, theft, vandalism, and many other mishaps. Condo insurance is required for property that is financed through a mortgage just like homeowners. That is why it is important to get in touch with an insurance expert at Wichalonis Insurance Agency for more information.  

Under Georgia Law, either the association that maintains a group of condos or the individual owners must retain some kind of insurance coverage. Therefore, insurance is required, but it may be integrated into association fees or obtained through other arrangements. Condo owners also need to be aware that a blanket policy for their entire association may not give coverage of many of the common problems that are protected under homeowners insurance. The association is essentially required to obtain insurance that will cover HVAC equipment, structures such as the walls ad ceilings, and protection from lawsuits in the form of liability coverage.  This means that the individual owner is responsible for maintaining coverage that extends to everything else in and around the home. This can be especially important as repairs and damage can still be very costly for things not covered under the association’s broad policy.

Speak to an agent that serves Cumming GA

If you need any further information about the requirements of condo insurance, it is best to speak with someone who can answer your questions and provide coverage that matches your needs. Wichalonis Insurance Agency is available to provide this assistance to anyone who is interested in obtaining or changing a condo insurance policy. 

3 things you should know about auto insurance in Georgia

The fastest way to end up on the wrong side of the law in Cumming, GA is to drive while uninsured. The agents at Wichalonis Insurance Agency can help you stay out of trouble by helping you find the policy that is best for your lifestyle. Read on to learn more about auto insurance in Georgia.

1. Georgia requires drivers to have liability coverage

The state of Georgia requires all drivers to have a minimum of $25,000 bodily coverage per person and $50,000 per accident of the same. The state also requires drivers to have $25,000 in coverage for property damage.

2. You open yourself up to a lawsuit if you go without coverage

You run the risk of receiving a fine for driving without auto insurance if a Cumming, GA peace officer stops you and discovers that you do not have a valid policy. Additionally, you run the risk of having to defend yourself in court if you run into someone while being uninsured.

The state of Georgia is one of many states that has little mercy when it comes to auto insurance. State officials, as well as law enforcement strongly, believe that individuals who operate vehicles should be responsible in every sense of the word. You may be a cautious driver who stops at every red light and yields at all of the crosswalks. You, however, pose a threat to the well-being of individuals if you drive uninsured.

A person injured in an accident that is your fault may face financial loss or even ruin if he has to pay for damages that you caused because your insurance policy either expired or was never instated. It is best, then, to follow the law when it comes to auto insurance and only drives when you have the minimum coverage.

3. Minimum coverage may not be enough

Even with minimum coverage, though, you may find yourself on the defensive side of a court of law if the damages you cause in an accident exceed your policy’s limits. It is for this reason that drivers are advised to find the auto assurance plan that best fits their lifestyle.

The agents at Wichalonis Insurance Agency have been in the business of finding the right insurance plans for consumers for many years. Call them today to get started with a quote!

How much life insurance do I need?

When it comes to life insurance, many things need to be factored in not the least of which is how much money you can afford to pay per month. How much insurance depends on several other factors that the knowledgeable agents at Wichalonis Insurance Agency, in Cumming, GA will be happy to discuss with you. They know the right questions to ask so that you can get all the coverage you need at a price you can afford.

If you have a family, you will need to have enough life insurance so that they can maintain their current lifestyle if you are gone. How long they need to be maintained should also be considered. Your current yearly salary is one of the factors and the number of years is the other. If it is five years then it is five times your yearly salary. The last thing your family needs if you are gone is to worry about making ends meet.

You also need to have enough life insurance to clear any debt that you may have. If you have a large mortgage, you may want to add that amount to the figure. You also need to consider your funeral and burial expenses. If you don’t have a family to worry about then you won’t need to consider maintaining anyone but having enough life insurance to cover your final expenses will save your relatives from being forced to come up with the money themselves.

As you can see, quite a few things need to be taken into account when deciding how much life insurance you need. If you live in Cummings, GA and the surrounding area why not get the experts at Wichalonis Insurance Agency to help you to figure out how much life insurance you need in order for you to have peace of mind.

What to Do about Home Insurance When You Pay Off Your Home

Your mortgage company won’t require home insurance for your Cumming, GA home once it is paid off. This doesn’t mean you should go without insurance. Instead, make some changes to your policy. The home is one of the largest purchases you will ever make, so you want to make sure that you protect it. Home insurance doesn’t just protect the structure but also has protection for your possessions and any potential lawsuits. Even if it isn’t required anymore, you could be saving thousands of dollars instead of having to pay for damages out of pocket. You don’t want a fire or another disaster to destroy everything you have worked for.

Once you have paid off your home, you may need to contact your insurer if you have been paying through an escrow account. This way, you can be sure the bills will get sent to you. Also, you may need to change your automatic payments. After this, you will need to decide if you want to make changes to your current coverage. Since you are no longer required to have certain coverage, a stipulation to your mortgage now is the best time to talk to an agent at Wichalonis Insurance Agency. You can make adjustments to your coverage to save you money or better serve the needs of your home and you. You also need to make sure your mortgage lender is not named on the insurance policy anymore. They no longer have a claim to your home, so they shouldn’t be given any payout that could come from a covered loss. If you don’t remove the name, it could hold up any claims process in the future. You may also qualify for some other discounts once you pay off your home.

Contact Wichalonis Insurance Agency serving Cumming, GA to get a quote on home insurance.