Cumming GA

What Are The Different Types of Motorhome Insurance?

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Motorhome insurance is a specialized type designed to protect your motorhome in the event of an accident or other incident. There are many types of motorhome insurance, and it can be challenging to know which one is right for you. This article will discuss the different types of motorhome insurance available and help you decide which one is right for you.

1. Liability Insurance

Liability insurance is the most basic type of motorhome insurance. It covers your motorhome if you’re at fault for an accident. This type of insurance is typically required by law in most states.

Liability insurance from Wichalonis Insurance Agency in Cumming, GA will pay for the damage you cause to another person’s property in an accident. It will also pay for the other person’s medical expenses if they are injured in the accident.

2. Collision Insurance

Collision insurance is a type of insurance that covers your motorhome if it is damaged in an accident. This type of insurance will pay for the repairs to your motorhome, regardless of who is at fault for the accident. Collision insurance is not required by law, but it is often required by lenders if you have a loan on your motorhome. Collision insurance will pay for the repairs to your motorhome if it is damaged in an accident.

3. Comprehensive Insurance

Comprehensive insurance is a type of insurance that covers your motorhome if it is damaged by something other than an accident. This could include damage from a fire, theft, or vandalism. Comprehensive insurance is not required by law, but it is often required by lenders if you have a loan on your motorhome. Comprehensive insurance will pay for the repairs to your motorhome if it is damaged by something other than an accident.

Conclusion

There are many different types of motorhome insurance available. Liability insurance is the most basic type of insurance and is typically required by law. Collision and comprehensive insurance are not required by law, but your lender may require them if you have a loan on your motorhome.

Shop around and compare rates before you purchase motorhome insurance. Wichalonis Insurance Agency in Cumming, GA can help you find the right policy for your needs. Give us a call today.

Common RV Safety Hazards

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When it comes to long-distance travel, few modes offer the freedom and adventure that RVing offers. As a mode of transportation, it provides the space to camp where you want, when you want. It also allows travel in style and comfort, with amenities like air conditioning and televisions. But with this kind of freedom also comes a variety of safety hazards.

If you’re planning to leave Cumming, GA, Wichalonis Insurance Agency has some tips to keep you and your RV safe for a camping trip in an RV.

Guard Your RV Against Fire

Fires are the most significant cause of RV loss in the United States. According to the National Fire Protection Association, over 2,000 RV fires happen yearly. Many things cause an RV to catch fire, including faulty wiring, appliances, and improper storage. To keep your RV safe from fire, here are a few tips to keep in mind:

  • Always have at least three fire extinguishers in your RV.
  • Plan and memorize your escape routes. (Have at least two.)
  • Check all your 12-volt connections to avoid shorts.
  • Inspect for leaking fluids.
  • Turn off all propane appliances and shut off the tank before driving.

Be aware of your RVs height and weight.

Many accidents happen because of a lack of clearance. Ensure your RV has enough support to avoid hitting objects in your path. This includes high things like trees, power lines, and obstacles that need more space, like mailboxes and fire hydrants. Don’t take turns too fast, either.

Be aware of other drivers.

The "See and Be Seen" rule applies to motorized vehicles, including RVs. Make sure other drivers can see you and that you can see them. Always use your turn signals and headlights.

Things can go wrong when you’re trying your best to be safe. If you have an accident, a good RV insurance policy can help you get back on your feet. If you own an RV in Cumming, GA, contact Wichalonis Insurance Agency for more information.

Will commercial insurance cover the personal car I use for my business?

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Many business owners use their personal cars for company affairs. As a result, determining the proper type of coverage is in order. Will your personal car insurance cover your vehicle if you use it for business, or should you invest in commercial auto insurance? These are good questions. The answer to these questions is heavily based on how you use your car for business. Our team at Wichalonis Insurance Agency is invested in helping Cumming, GA business owners find the best type of auto coverage. 

What is Commercial Auto Insurance?

Commercial auto insurance is designed to provide liability coverage for the vehicles used in your business. Like personal car insurance, commercial car insurance is designed to provide liability protection for accidents or damage caused by company-used vehicles. This insurance also provides personal injury coverage for anyone injured while driving or riding in vehicles owned/used by your company. 

Will Commercial Auto Insurance Cover my Personal Car if Used for Business?

If your personal car is used for business purposes, it can be covered under a commercial auto policy. Depending on what you use your vehicle for, your personal auto insurance may not cover the vehicle you use for business. There’s a risk factor that an insurance company will consider. You could be charged more or denied coverage altogether. Our team at Wichalonis Insurance Agency will gladly help Georgia business owners explore the benefits of commercial auto insurance. Simply using your car for business trips would make it eligible for business/commercial auto insurance. However, one of our agents would be happy to go into more detail. Give us a call. We’re standing by.

Who needs to have boat insurance in Georgia?

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Those in the Cumming, GA area will find that the region of the state can be pretty warm during the summer months. Due to the warm weather and access to various lakes and waterways, owning a boat can be good. When you are looking for a boat in this region, it would be a good idea to get boat insurance. There are various situations when someone here will need a boat insurance plan. 

When Covering Boat

One situation when you will want to have a boat insurance plan is when you want to get coverage for your boat. Owning a boat can be a significant investment, and protecting this as well as you can is important. If you get a boat insurance plan, it will provide the proper coverage you need if your boat is damaged or stolen.

Those Looking to Mitigate Liability Risk

Boat owners all over Georgia also need to ensure they are mitigating their insurance risks. Even if you are an experienced and cautious boat owner, accidents can happen. If there is a boat accident, the costs to cover damages can be significant as they could include both property damage and bodily injury expenses. When adequately covered with insurance, you can offset this risk. 

Having a proper boat insurance plan in the Cumming, GA area is important. Many people that purchase a boat in this area will want to speak with the team at the Wichalonis Insurance Agency before they choose a new plan. The professionals with Wichalonis Insurance Agency understand the importance of this coverage and can offer the guidance you need to pick your policy to cover your boat. 

Umbrella Insurance FAQ

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Understanding insurance products and how they work is imperative to making good insurance choices. At Wichalonis Insurance Agency, serving Cumming, GA, and the surrounding areas, we are here to help educate you on these critical topics so that you can make solid insurance choices. Keep reading to find answers in the umbrella insurance FAQ. 

What Is Umbrella Insurance?

Umbrella insurance is a unique insurance product. This type of policy can be added to your existing policies to provide an "umbrella" of coverage. This type of coverage kicks in to pay for any expenses you may still owe after the original policy has been exhausted. If you do not have umbrella coverage, the difference in these two amounts would have to come out of your pocket. This could pose a financial challenge. 

Who Needs Umbrella Insurance?

Anyone can use this type of insurance product, but it is most beneficial for those who have a significant number of assets that they would like to protect. If you experience a large-scale claim event that exhausts your policies, your assets could be put at risk. 

Umbrella insurance is also a good idea for any individual at a significant liability risk due to their hobbies, occupation, or other reasons. 

What Policies Can Umbrella Insurance Be Added To?

An umbrella policy can be added to any existing policy. This can include auto, health, life, commercial, and others. 

If you would like to learn more about umbrella insurance or any other services, don’t hesitate to contact us at Wichalonis Insurance Agency, serving Cumming, GA, and the surrounding areas. We will be happy to answer your questions and help you find the right insurance products for your needs.  

Tips For Owning A Condo On The Beach

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When you own a condo on the beach, you take on the risks of being a homeowner, a property manager, and an association member. Fortunately, there are a few tips that you can follow to accommodate such specialized needs.

Know Thy Neighbor

For people who own beach condos, there is a definite sense of community. When you live in such close proximity to one another, you share common areas and walls. You may even share insurance and maintenance expenses as well. You will need to work together on daily upkeep, necessary repairs, and future desires.

It Is All About Location

Identify the type of flood zone in which your condo is located. Typically, associations will purchase flood insurance for the most common elements. However, this will not include personal property. Therefore, you will need to ensure you have coverage for your interior structure.

Insurance Coverages

Take the time to review your unit owner insurance coverage for personal property and interior structures. You will also need to become familiar with your coverage for medical payments, loss of rental income, and premises liability. The condominium master policy will explain coverages for boat slips, detached structures, decks, pools, and common areas. If you are not certain how to determine if you have the proper coverage to protect you and your condo, the experts at Wichalonis Insurance Agency of Cumming GA are here to help.

Umbrella Insurance

An umbrella insurance policy will protect your assets from unexpected events or accidents for which you may be held responsible for damages. If you do not have an umbrella insurance policy, contact Wichalonis Insurance Agency of Cumming, GA for more information.

To ensure your beach condo is fully protected, contact us today. We are happy to provide answers to any questions you may have about owning a condo on the beach.

How Does Getting Married Affect My Auto Insurance Coverage?

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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

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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?

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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?

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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.