Do I need Collision Insurance?

You may need collision coverage if you have an expensive vehicle or drive a car you care about deeply. Many older vehicles maintain their value, and some become classic cars. Additionally, if you lease or finance your vehicle, the rental company or financial institution will probably require you to carry collision coverage.

You can protect your wheels better with a comprehensive auto insurance plan that includes collision. Talk to the team at Wichalonis Insurance Agency in Cumming, GA to get started.

What’s Collision Insurance?

Collision insurance will pay to repair or replace your car following an accident with another vehicle or object. Although collision insurance is optional according to state law, carrying this coverage is a good idea. Besides being required by many lending and leasing companies, it gives you extra protection following an accident.

The benefits of collision insurance include reimbursement for the cost of repairs or replacement of your vehicle if it’s totaled. You can avoid taking a financial hit if your car is vandalized or stolen. If you cause an accident, collision insurance may help you pay for damages that exceed your liability insurance.

Although every policy differs, you can often customize your collision insurance to meet your needs.

Collision vs. Comprehensive Insurance

Many people confuse collision and comprehensive insurance. Comprehensive insurance covers non-collision accidents resulting in damage to your vehicle. This may include storm damage or running into a deer or another animal. Both are voluntary coverage types that further protect your vehicle.

Should You Get Collision Insurance?

Even though state law doesn’t require collision insurance, there are many cases when it makes sense to get it. As mentioned, if you lease a car or still make a car payment, you may need collision insurance to meet the requirements of your leasing or purchase agreement. Further, collision insurance can help you pay for damage to your vehicle even if you cause an accident. Contact the team at Wichalonis Insurance Agency in Cumming, GA to schedule an appointment for a free quote!


Reasons Why I May Be Denied Life Insurance

Most people are blindsided when they learn they have been denied a life insurance policy. However, underwriters have guidelines they follow when determining whether to issue a policy. Wichalonis Insurance Agency, serving Cumming, GA, can help you find a life insurance policy to meet your needs.

Your Health Isn’t Good

Insurers view chronic health conditions as a risk. Obesity is an epidemic worldwide, often leading to other health problems, making it a prime reason for denial. Other hazards include high blood pressure, diabetes, high cholesterol, and a previous history of cancer. Chronic diseases, such as HIV, heart disease, asthma, Parkinson’s, or Alzheimer’s, can also lead to denial. If your urine test indicated blood or protein, you may have undiagnosed kidney disease. Age is also a factor, as many people develop problems as they age.

Your Lifestyle May Be a Reason

Many companies require a blood test along with a physical. Insurers will assess your blood for alcohol consumption. If it’s much higher than normal, they will deny a policy. Lifestyle can also include your occupation. These are deemed high risk:

  • Airline pilots
  • Loggers
  • Refuse and recyclable collectors
  • Roofers
  • Fishers and related workers
  • Structural steel and ironworkers
  • Truck Drivers
  • Farmers and ranchers
  • Construction workers
  • Electricians
  • Police

Other Reasons for Denial

Some denials may not make much sense to the average person, yet insurance providers have their reasons. You can also be denied if you make little money. When you apply, your current income and net worth will dictate how much coverage you can get. However, some companies place internal restrictions on applicants as a cost-saving mechanism.

Even if you have had a previous life insurance denial in Cumming, GA, Wichalonis Insurance Agency can help. Contact our office today to get started on your life insurance quote.

What Does Home Insurance Cover?

Our agents at the Wichalonis Insurance Agency, serving the Cumming, GA area, know how much time, hard work, and money you have put into your Georgia home, which is the reason we want to ensure that you have the proper amount of home insurance in place to protect it.

Most mortgage companies will require you to have home insurance until you pay off your loan, but you must have a good home insurance policy in place at all times to protect your property in your home, too.

What Does Home Insurance Cover?

Home insurance policies will normally cover your house’s structure and the contents inside. The contents include your personal belongings, household items, electronics, furniture, appliances, and more. If you want other structures on your property, such as detached garages, sheds, privacy fencing, and other structures, to be covered under your home insurance policy, you can request that to be part of your policy. Our agents at the Wichalonis Insurance Agency serving the Cumming, GA area will work with you to ensure your policy fits your particular situation.   

Home insurance is a policy created to help you repair or rebuild your house if it is damaged or destroyed by some horrible weather event, such as a tornado or hurricane, an act of vandalism, or even a fire. It can also help you out if your home is burglarized and items are stolen.

A home insurance policy will also be useful if a visitor to your home is injured. It can help pay their medical bills and even take time off of work if necessary.

Get Your Policy Started Today

Call our agents at the Wichalonis Insurance Agency serving the Cumming, GA, area today to get your home insurance policy started and enjoy the peace of mind that comes with it!

Will renters insurance cover my roommates belongings?

As a renter, you have personal belongings that have both actual and sentimental value. Renter insurance, like homeowners’ insurance, protects your belongings. It’s safe to say that renters’ insurance is a renter’s form of homeowners insurance. Your items are protected if stolen or damaged by a covered incident. Our team at Wichalonis Insurance Agency is committed to helping Cumming, GA renters understand renters insurance.

What is renters insurance?

Renters’ or tenants’ insurance is designed to cover your personal belongings while you rent. However, renter insurance doesn’t cover the dwelling or structure of the rented space, just your belongings. However, like any form of insurance, anything that happens to your belongings must be a covered incident for your renter’s insurance to pay for the repair or replacement of your items. Renters’ insurance may sometimes cover small changes or alterations made to a rented space. Renters insurance also pays for any items stolen from your car as well. 

Will renters insurance cover my roommate’s belongings?

No. Unless your roommate is on your renter’s insurance policy, her items aren’t protected by your insurance policy. Although you share the same rented space, only your items are insured. Your roommate will need to get her own policy or perhaps put it on your policy for their personal belongings to be covered. It should also be noted that renters’ insurance will not cover personal items you accidentally break or that break due to poor quality. Call us if you have questions about renters insurance and what’s covered. We’d be happy to answer your questions and explore your options. 

What is full-timer’s insurance?

Instead of using it for short vacations, you need a full-timer’s policy when you reside in your motorhome. This enhanced coverage from Wichalonis Insurance Agency provides more liability coverage and increases personal property coverage. But, you also need to upgrade to full-timer’s insurance if you travel six months or more per year in your motorhome.

What does full-timer’s insurance do?

A full-time RV insurance policy provides comprehensive coverage with an increased liability component. The full-time policy covers the motorhome, personal property, and liability coverage. Whether you cause an accident or someone else does, your policy protects your finances by covering the repairs. Whether driving on the road or parked and plugged into a hookup in Cumming, GA, your full-time motorhome coverage offers financial protection.

Why does this policy offer enhanced liability coverage?

When you travel frequently in your motorhome or reside in it, you tend to entertain guests in it. The liability component increases to protect you better on the road and when parked to enjoy the view.

Ask About Loss of Use Coverage

Many motorhome policies let you add loss of use coverage. Ask us about adding this to your full-timer’s policy, so if your motorhome does undergo damage, your insurance pays for your hotel while it gets repaired.

Contact Wichalonis Insurance Agency Today

Let Wichalonis Insurance Agency help you design a full-timer’s policy that protects your motorhome comprehensively. We serve the Cumming, GA, area with the insurance residents need to protect their financial security. Call or email us today to build your ideal full-timer’s motorhome policy or add coverage to your existing policy.

Do I Need Full-Year RV Coverage in Cumming, GA?

The short answer is yes. At Wichalonis Insurance Agency, we understand the unique needs of RV owners and are here to help you make an informed decision when insuring your recreational vehicle. Consider full-year RV coverage in Cumming, GA, especially if you want to protect your investment and have peace of mind throughout the year.

Why Full-Year RV Coverage Matters

While it’s true that many RV owners only use their vehicles for a few months out of the year, there are still risks involved during the off-season. Theft, vandalism, and weather-related damage can occur, regardless of whether your RV is on the road or parked in storage. With full-year coverage, you don’t have to worry.

Comprehensive Protection for Your RV

Full-year RV coverage typically includes comprehensive and collision insurance, which covers damages caused by theft, fire, vandalism, and other non-collision events. It also covers damages resulting from a collision with another vehicle or object. This level of protection ensures that you have coverage for any incidents that may occur while your RV is in use or stored away.

Customizing Your RV Coverage

When deciding on the right coverage for your RV, consider factors such as the value of your RV, how often you use it, and where you store it during the off-season. By considering these factors, we can help you tailor a policy that provides the right amount of protection without breaking the bank.

Contact Wichalonis Insurance Agency for Expert Help

If you’re an RV owner in Cumming, GA, and are considering full-year RV coverage, let Wichalonis Insurance Agency help you make the best decision for your needs. Our team of experienced professionals is here to guide you through the process and provide personalized solutions for your recreational vehicle insurance.

What comes with a commercial insurance plan in Georgia?

For those that live in the Cumming, GA area, building a business and being an entrepreneur can be a great idea. As you are looking to build a business here, having a proper insurance plan in place is also a good idea, as it can help cover your organization. Various forms of insurance come with a full commercial insurance plan. 

Liability Risk Mitigation

One type of coverage you can have with a commercial insurance plan is liability insurance. When you operate any business, there is a chance a customer could get sick or injured as a result of your business. If this happens, you can make liability claims. When you have a commercial insurance plan, it will offer liability coverage that will ensure your business is protected and the risk is minimized. 

Protect Business Assets

Getting a commercial insurance plan to protect your business assets is also important. When you are going to start and build a business, you will need to have assets in place that will be used to run and build your business. If you have a full commercial insurance plan in place, it will protect these assets. This can ensure you can repair or replace these assets if you incur a covered loss.

It is always a good idea to have a full commercial insurance plan in place for your Cumming, GA business. When you are looking to build a business here and want to evaluate your insurance needs, it would be a good idea to call our team with the Wichalonis Insurance Agency. There are many options to consider, and our professionals with the Wichalonis Insurance Agency will give you the guidance you need to create your next plan. 

Is Boat Insurance Required in Georgia?

If you live in the beautiful state of Georgia and recently purchased a boat or other watercraft, you may wonder if boat insurance is required in Georgia. The agents at the Wichalonis Insurance Agency serving the Cumming, GA area want you to know that even though boat insurance is not required in Georgia, you still may want to be protected while you’re out on the water. This is important if you own a canoe, a power boat, a sailboat, or any other type of watercraft since accidents can and do happen.

Boat Insurance Coverage Options

There are several options you can choose from when it comes to boat insurance. Listed below are the most popular choices.

Liability Boat and Watercraft Insurance

Liability boat and watercraft insurance are very important in case you get into an accident with another boat, vessel, or object. If the accident is your fault, this type of policy will help pay for any damage that you caused or any injuries that people may suffer, including passengers on your own boat.

Comprehensive and Collision Insurance

Collision insurance is critical if you collide with another boat or a stationary object. For example, if you run into a dock and damage it, this type of insurance will help pay for the damage to the dock and your boat.

Comprehensive insurance is also very important. This is because your boat or other watercraft can suffer damage if there are any natural disasters, such as a hurricane or tornado, a fire, or even if vandalism occurs. This type of coverage will help repair or replace your boat if any of these scenarios happen and even help you out if your boat is stolen.

If you owe on a loan that you took out to purchase your boat or other watercraft, your lender will probably require you to have both of these types of insurance coverage options in place to protect the investment they made in your shiny new boat.

Contact Wichalonis Insurance Agency

To obtain the proper amount of insurance you need for your boat or other watercraft, contact the agents today at the Wichalonis Insurance Agency serving the Cumming, GA area, and get your policy started immediately.

How Umbrella Insurance can Benefit you

In today’s world, many people will sue other people and businesses over any little thing. Lawsuits are prevalent among people with a lot to lose. Umbrella insurance is one way to protect yourself from losing everything if someone files a lawsuit against you. What exactly is umbrella insurance, and how can you benefit from it?

What is umbrella insurance?

Umbrella insurance is personal liability insurance not tied to your auto or home insurance. While it is a good idea to have liability insurance for your auto and home insurance policies, umbrella insurance is a separate type of liability that offers further protection. Most insurance companies require you to have a certain amount of liability insurance for your home and your vehicle before allowing you to get umbrella insurance.

One cool thing about umbrella insurance is if you get into a car accident that costs more than your auto liability insurance limit, your umbrella policy kicks in to cover the rest of the cost. Umbrella insurance works the same way as home insurance. If someone is jumping on your trampoline, your home insurance will cover up to a certain amount, and then your umbrella policy takes care of the rest, so you don’t have to.

How can umbrella insurance benefit you?

As mentioned above, there are a few benefits to umbrella insurance. When you get into a car accident, umbrella insurance covers the liability costs after the limits of your auto insurance run out. If someone gets injured on your property, your umbrella insurance covers what your home insurance doesn’t cover.

On top of extra coverage for your car and home, umbrella insurance covers other things that general liability coverage doesn’t, such as libel, slander, and defamation of character. If you have a trampoline, swimming pool, or any high-risk factors, umbrella insurance can give you peace of mind, knowing that you will be protected if someone were to sue you.

Contact Wichalonis Insurance Agency

Here at Wichalonis Insurance Agency, we will help you with your insurance needs in Cumming, GA.

Three common misconceptions out there about condo insurance

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.