insurance

Reasons To Change Your Life Insurance Beneficiaries

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Life insurance through Wichalonis Insurance Agency serving Cumming, GA, is designed to protect the people you care about, but the names you list as beneficiaries may not stay the same forever. As life changes, so do relationships and financial responsibilities. Reviewing and updating your beneficiaries ensures your policy reflects your current wishes.

Major Life Events

The most common reason to update your beneficiaries is a major life event. Marriage, divorce, the birth of a child, or even the death of a loved one can all change who you want to receive benefits. Without updating your policy, the payout could end up going to someone who’s no longer the right choice, leaving your family unprotected.

Shifts in Financial Responsibilities

Another reason to review your beneficiaries is a change in who depends on you financially. Maybe you’re now supporting an aging parent or a child has grown up and become independent. Adjusting your beneficiary list helps make sure the right people are taken care of if something happens to you.

New Goals or Priorities

Sometimes, the motivation is less about family changes and more about shifting priorities. You might want part of your policy to support a charitable cause or help fund a grandchild’s education. Updating your beneficiaries gives you the flexibility to align your policy with your goals as they evolve.

Keeping Your Policy Current

Life doesn’t stand still, and neither should your insurance paperwork. Reviewing your beneficiaries every few years, or whenever a big change happens, keeps your coverage in step with your intentions. By keeping the details updated, you’ll have peace of mind knowing your policy will support the right people when it matters most.

Your life insurance policy shouldn’t be a stagnant document, never to be looked at again. Review it during these times in life. And if you have any questions, contact us. At Wichalonis Insurance Agency in Cumming, GA, we’re here for all of life’s situations. 

What Happens If You Don’t Buy Home Insurance

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When you buy a home, it becomes more than just a building; it’s your sanctuary and investment. To protect your home from potential disasters, many homeowners choose to purchase home insurance. If your home is located near Cumming, GA, our team at Wichalonis Insurance Agency can help you find the best home insurance policy for your needs. We’ve been assisting Georgia homeowners like you since 1997.

What Happens If You Don’t Buy Home Insurance?

Georgia law does not require homeowners to purchase home insurance. However, many mortgage lenders mandate that buyers maintain an insurance policy to protect their financial investment. If a homeowner purchases insurance but fails to comply with the terms of their policy, the mortgage lender has the right to enforce a forced-place policy. These alternative policies are typically more expensive and offer less comprehensive coverage than standard home insurance.

Homeowners whose lenders do not require insurance will be responsible for covering the costs of home repairs out of pocket. Once you purchase home insurance, it’s crucial to maintain your premiums. If you fail to pay your premiums, Georgia law requires insurance agents to provide homeowners with at least 30 days’ notice before canceling the policy for non-compliance. After receiving a cancellation notice, homeowners must take action to avoid potential legal consequences from their lender.

Call Us for Your Appointment Today

When searching for home insurance, it’s important to work with an agency that understands Georgia’s homeownership laws. At Wichalonis Insurance Agency, we pride ourselves on our dedication to client support. Homeowners in the Cumming, GA, area have come to trust us for reliable guidance. Contact us today to schedule an appointment and discuss your insurance needs.

Does Motorhome Insurance Cover Personal Injury Caused by Pets?

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Traveling with pets in your motorhome is one of life’s great joys. But what happens if your dog accidentally bites a guest while you’re parked at a campground or knocks someone over in excitement? Many Georgia RV owners aren’t sure whether their motorhome insurance would help cover the costs if their pet causes injury.

What Motorhome Insurance Usually Covers

A typical motorhome policy through Wichalonis Insurance Agency, serving Cumming, GA, includes liability coverage, which helps pay for injuries or property damage you cause to others while driving. However, once you’re parked and set up at a campsite, your RV may be treated more like a temporary residence. That means liability for personal injuries caused by your pet might not be covered under your standard RV policy.

Instead, these incidents are often tied to homeowners’ or renters’ insurance, which typically covers pet-related liability in your living space. If your RV is your full-time residence, your insurance may include special provisions, but it’s important to review the details carefully.

Checking Your Current Coverage

Because every policy is different, it’s essential to read the fine print or talk directly with your insurance agent. Some RV insurers offer additional liability protections that extend beyond driving scenarios and could help if your pet causes harm. Others may specifically exclude pet-related incidents.

Why It Pays to Be Prepared

Medical bills and legal costs from even a minor bite or accident can add up quickly. That’s why it’s smart to ensure you have the proper liability protection, whether through your motorhome insurance or an umbrella policy that adds an extra layer of coverage.

Your Georgia insurance expert at Wichalonis Insurance Agency, serving Cumming, GA, can walk you through your existing policy, explain any gaps, and help you secure the coverage that keeps both your adventures—and your finances—safe. Contact us today to learn more.