How Does Getting Married Affect My Auto Insurance Coverage?

As you and your spouse are bickering at the dinner table in Cumming, GA, it is hard to believe all the benefits that come from saying "I do". In addition to the lifetime of love and companionship, marriage also decreases the chances of developing dementia, cancer, and heart disease. Even more, getting married can also have a positive effect on your auto insurance coverage.

Married People Are Involved in Fewer Accidents

Statistically, married couples are not as likely as their single counterparts to be involved in an automobile accident. Several different theories surround this fact. Some believe that the reason is that married people drive less. Others think married couples are more stable and less risky.

Regardless of the reason, married drivers are involved in fewer auto accidents than single people. One study even discovered that single people who have never been married are twice as likely to be injured in an auto accident.

Because married people are less likely to be involved in a motor vehicle accident, they are considered by insurance companies to be less risky to insure. Therefore, the cost that they pay for their auto insurance premiums is usually less than that of a single individual. Contact the experienced agents at Wichalonis Insurance Agency to find out how much you should be paying for auto insurance.

When Not to Combine Policies

While it may seem like a no-brainer that you and your spouse should share an auto insurance policy to reap the most benefits, this is not always the case. If either of you has a poor driving record, receives a speeding ticket, gets charged with a DUI, or is involved in an accident, this will hurt your auto insurance coverage.

If you would like to learn more about the effects getting married has on your insurance coverage in Cumming, GA, contact Wichalonis Insurance Agency today.

Georgia Condo Insurance – What You Need To Know About Condo Insurance

You should look into having condo insurance for your dwelling if you’re planning on purchasing a condominium.  The questions are already there running in your mind, you’ve heard of renter’s insurance and homeowner’s insurance, but what is condo insurance?  And why is it so important to have it?  Wichalonis Insurance Agency in Cumming, GA can address these questions and consult with you on what your insurance options are for condominiums.

Condo Insurance

The first question that you probably have goes something like this, “wouldn’t the homeowner’s association cover any events of loss or damage?”.  The easy answer to that question is:  yes, the HOA will cover damages, to the actual building itself and any items that were part of the original lease.  For instance, if you purchase a furnished condo and a fire destroys those furnishings, those losses would be covered under the HOA insurance policy.  What the HOA policy doesn’t cover, is your own personal items or any upgrades or changes that you’ve made to the condo.  This is where condo insurance comes in to protect the items that aren’t covered under the HOA policy.

Patchy Umbrella

You can look at a condo with just HOA coverage as an umbrella with a few holes in it.  The umbrella can still be used, and the wind won’t pick it up and blow away, but when it rains, you’ll still get wet.  Condo Insurance is the necessary alterations and patches needed to close those holes in the umbrella to fully protect you from a rainstorm in the case of a catastrophic event.  You may not appreciate it if you live in a locale where it rarely rains, so to speak, but when it does rain, you’ll be happy that you’re fully protected

To Learn More

You can learn more about condo insurance by contacting Wichalonis Insurance Agency in Cumming, GA today!

Things You Should Ask an Insurance Agent When Choosing Auto Insurance?

When it comes to choosing an auto insurance policy, most people make the same mistake – they let the premium price of insurance drive their decisions. Do not be like them. If you are currently shopping for insurance to protect your car, the best way to make an informed decision is to talk to an insurance agent and ask them the following questions: 

What Does My Auto Insurance Cover? 

Before purchasing a particular policy, make sure to ask an agent for the details about it. Ask them to walk you through such details as property damage liability, bodily injury liability, personal injury protection, and any additional comprehensive and collision coverage included in your insurance portfolio. 

How Much Will I Have To Pay If An Accident Happens?

Ask an insurance agent to be upfront with you about how much you will have to pay if you cause a road accident. When you buy auto insurance, you choose an amount of coverage that determines how much you will pay monthly or yearly. The move coverage you have, the less you will have to pay out of pocket if you cause an accident. 

Are There Any Discounts? 

If you do not ask about discounts, you will not get them. Most insurance companies offer discounts to their clients, so do not hesitate to ask your insurance agent about them. 

Wichalonis Insurance Agency in Cumming, GA – Your Safety On the Road Is Our Priority

If you live in Cumming, GA or any other nearby area and you are looking for auto insurance, Wichalonis Insurance Agency is ready to help. Our qualified and experienced insurance agents are always ready to answer the questions listed in this article and provide you with any other information you need. Feel free to visit our website or give us a call. 

Is Term Life Insurance the Right Choice?

Life insurance can be a difficult subject to discuss, let alone to purchase for yourself. When you see that there are multiple types of life insurance available, coverage options can feel even more confusing.

Are you considering your insurance options? Term life insurance might be a good option for you. Wichalonis Insurance Agency, which serves Cumming, GA, can help you determine the steps you need to take to choose a life insurance policy.

What Is Term Life Insurance?

Term life insurance helps you secure financial safety for your family. This policy provides coverage for a specific amount of time, like 10 years. If you have minor children that were born this year, for instance, you might want term life insurance for 20 years to ensure your child is an adult before your policy expires.

Term life insurance is compared to whole life insurance, which provides protection for the entirety of your life. If you are looking for a shorter option, term life may be your best bet.

Term Life Insurance Is Great for Many People

Policyholders are often parents or others with dependents. If anybody is financially dependent on you, it is smart to have a term life policy. If you want to replace lost income, pay debts, and provide for your child’s care after you pass away, this insurance policy may be a good choice.

How to Get a Term Life Insurance Policy

Wichalonis Insurance Agency serving Cumming, GA can help you find the right insurance policy for your family. If you are interested in term life policies, a professional can help you determine how long your insurance should last.

Why Home Insurance is a Must

Whether buying or building your home, a lot of work goes into it. From planning, research, consultation to saving, homeownership is quite a Herculean task. However, your homeownership journey cannot be complete without a home insurance policy from Wichalonis Insurance Agency of Cumming, GA. 

Unfortunately, most homeowners think that home insurance is a waste of time and resources, only to realize the power of insurance coverage when perils like theft, fire, hail, and others strike. But do you have to learn the hard way? Certainly not. Here are the reasons why home insurance is a must-have investment. 

It may be required

Yes, no law in Georgia requires you to purchase home insurance, but it may be required by your mortgage lender to protect the investment from various perils.

It protects your most valuable asset

Few things are as valuable as your home. So why not do everything in your power to protect it? While installing security features and proper home maintenance is superb, the checklist is not complete without home insurance. This coverage repairs or rebuilds your home when perils like fire, lightning, hail, theft, and others occur. 

It’s affordable

Most homeowners shy away from home insurance because they think it’s expensive. However, the truth is that home insurance is just a fraction of your home value. It costs you a few tens of dollars, but it protects you from thousands, if not millions of dollars, in losses.

For peace of mind

Modern life can be hectic. With bills to pay, personal matters to attend to, and a family to take care of, there is much to be worried about. However, the safety of your home should be the last thing bogging your mind. Why? Let home insurance take care of your worries. Whether it’s liabilities, property damage, or additional living expenses, home insurance got you covered.

Buy home insurance today

Whether compulsory or not, you must invest in home insurance if you love your home. If you are shopping for home insurance in Cumming, GA, and its environs, please don’t look beyond Wichalonis Insurance Agency. Contact us today to start the conversation.

Does Renters Insurance Cover Jewelry?

Renters insurance protects you and your personal belongings within your residence. Personal belongings include clothes, furniture, and jewelry. Each insurance policy contains a clause for the personal property should it be stolen or damaged by a covered event. Check your Cumming, GA renters insurance policy to confirm how much coverage your jewelry has, and then call the experts at Wichalonis Insurance Agency to learn more about covering your personal belongings. 

Jewelry Coverage

Renters insurance jewelry coverage differs a bit from that under a homeowners insurance policy. Jewelry coverage is limited to theft under a renters insurance policy. Renters insurance does not cover these items in the event of fire or storm damage. If the item gets stolen outside the home, coverage is less than being stolen from inside the residence. Additional coverage is available to cover expensive jewelry in your place. 

Increase Jewelry Coverage

Depending upon the jewelry you own, it might be beneficial to increase the renters insurance coverage and add endorsements for specific items. Renters insurance policies have coverage limits, but you can increase those limits by purchasing additional coverage. Coverage can be purchased for all of your jewelry or individual pieces, such as an engagement ring or family heirloom. If you need additional coverage for your jewelry, contact your insurance agent to discuss increasing your coverage. 

Jewelry Claims

Even with an enhanced policy to cover jewelry, your insurance coverage has limits on the claims you can make. Liability limits represent the maximum coverage available, and more personal property is limited between $20,000 and $100,000. Insurance policies also carry sub-limits for specific high-value items, such as jewelry. Check your policy for limits, including sub-limits. 

Ensure your jewelry is covered against any peril that may occur. Those in Cumming, GA, have options when buying renters insurance, including additional jewelry coverage. Call Wichalonis Insurance Agency today to discuss insurance options and how much coverage you have for your high-priced items. 

Tips for Getting Motorhome Insurance

It can be overwhelming buying motorhome insurance with so many policies on the market. You want to make sure you choose something right for you, giving you value for your money. A motorhome is a significant purchase, and you need to ensure you have covered it sufficiently. That is why experts at Wichalonis Insurance Agency take the residents of Cumming, GA, through some tips they should know when buying motorhome insurance.


The internet is an excellent resource to compare different prices and see which motorhome insurance is affordable. After you have narrowed down the list to a few, give them a call and express your needs. Ask questions like their level of cover and what is included in a policy plus the price.

Consider the Extras

You can consider adding extra coverage to your motorhome insurance policy, such as breakdown cover. Your motorhome may break down on the road and has to be taken to the repair shop to be fixed. The breakdown cover takes care of costs like transport to the repair shop, repairs, and temporary accommodation while the motorhome is being fixed.

Protect the Contents

If the contents inside your motorhome are stolen, the insurance company can help pay to replace them. However, you can also get into an accident that damages the contents inside, requiring them to be replaced or repaired. Therefore, check your policy when it comes to the maximum value of the items. Your home’s content insurance may cover the items, but to be safe, check the amount of coverage you have.

When getting motorhome insurance, do not assume anything. Instead, ask questions where you need clarification to avoid any frustrations later on. Residents of Cumming, GA, looking to protect their motorhomes can contact Wichalonis Insurance Agency for inquiries. Our agents are ready to answer your questions and assist you.

Why you need optional coverages in your RV insurance policy

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

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

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.