Tips For Teaching a New Teen Driver in Your Family

Many families have a tradition of teaching their new teen drivers how to handle a vehicle properly. Whether you are simply getting your new teen driver used to the family car or actually taking on the role of driving instructor, Wichalonis Insurance Agency of Cumming, GA wants to share these helpful tips.

Avoid Getting Emotional

When discussing safe driving with your adolescent, be cautious not to speak in a loud or overly enthusiastic voice if you have the propensity to do so. Teens tend to shut parents out as soon as voices get louder. Try to adopt a level voice that does not seem accusatory if you have anything critical to say regarding their driving. Instead of coming off as a criticism of their driving abilities, it should sound more like an impartial observation.

Realize That They Are Nervous, Too

Behind all that bravado, your teenager has some anxiety about learning how to drive, too. Every little twitch you have or clutching the door handle makes them feel like you don’t have confidence in them. Before driving, tell your teen verbally that you have confidence that they will be a good driver. That in itself will help to quell both of your nerves.

Don’t Fight in the Car

If you’ve tried and you and your teen keep getting into an argument, it’s better to let the experts take over. A driver’s education teacher is impartial and will get the job done without arguments in the car. In addition, they can cover essential aspects like not texting, not drunk driving, and defensive driving strategies without their advice coming off as parental control.

When your teen gets their driver’s license in Cumming, GA, Wichalonis Insurance Agency is here to help. Give us a call or contact us online to have your teen added to your family auto policy!

Life insurance is a good idea for single people

Wichalonis Insurance Agency is here for the Cumming, GA community. If you are wondering if life insurance is something you need as a single person, we are here to help you get the information you need to make a good decision. While there are obvious benefits for families with children, single people can also benefit from having a policy.

Benefits of life insurance for single people

The main benefit of life insurance for everyone, regardless of their marital status, is the knowledge that final expenses will be covered without family members and loved ones being financially burdened. This is why everyone should have a life insurance policy if possible.

Additionally, with a whole life policy, there are also living benefits. Even if you do not have children to provide for, in many instances, a whole life policy can offer a cash benefit. This means you could have sufficient cash accumulation for a down payment on a home or other major life expenses. Some life insurance policies are also effective tools for retirement planning.

There are many ways that a permanent life insurance policy could help provide future financial stability. If you thought you didn’t need life insurance because you didn’t have a family to protect, it might be time to reconsider. Learning more about life insurance’s many benefits can help you be better prepared for the future. 

Call or stop by today!

If you live in Cumming, GA or the surrounding area, Wichalonis Insurance Agency is here to help you with all your insurance needs. Contact our office today and learn more about how life insurance can help you secure a stable financial future. 

Two Ways Home Insurance Protects You

Owning a home is a significant investment, and it’s up to you to protect that investment the best that you can. When you have home insurance, you get several types of protection all in one policy. If you don’t have your home insurance policy yet, don’t wait to call us at Wichalonis Insurance Agency in Cumming, GA to get started. 

Home Protection

When you have a home insurance policy, it offers excellent protection for your home. It protects the structure and its materials from several damaging events that could happen to it. This coverage includes a wide range of events that can happen to a home, such as certain accidents and specific disasters. When you have this coverage, it can help substantially with the costs incurred after the damage has happened to the home. The cost of repairs can be tens of thousands of dollars or even more, and you need home insurance to pay for those repairs. 

Belonging Protection

All of your belongings inside your home can be damaged if a damaging event happens to the house. It isn’t just the home that can cost a lot after such an event- the lost belongings will also be a significant expense. It’s crucial to have home insurance for its coverage of all of your possessions and its protection for the home itself. If you think about what all of your items cost when added together, it soon becomes apparent why this coverage is so important. Don’t get caught without home insurance because of the great expense of replacing everything after everything has been destroyed. 

Cover Your Home

When you own a home, you must keep it protected at all times with insurance. Call us at Wichalonis Insurance Agency in Cumming, GA.

What does renters’ insurance cover?

Renting a home or apartment in Cumming, GA means you’ll need renters’ insurance. Most landlords require this type of insurance in the lease because it protects them from loss and lawsuits.

What your landlord’s policy covers

This blog from Wichalonis Insurance Agency explains what your renters’ insurance policy covers and your landlord’s home policy. Your landlord requires renters’ insurance in the lease because their homeowner’s insurance only covers their own liability and damage to the structure. Their liability coverage only extends to the public areas of the home.

That doesn’t mean an injured party might not sue the landlord if injured inside the home. That’s why the leases require the renters’ insurance of the lessee.

What does your renters’ policy cover?

Your renters’ policy covers the liability inside the home or apartment. If your visitor or business associate becomes involved in an accident while in the house, your policy covers the liability.

Your insurance policy covers your belongings if a named peril, such as a fire or tornado. Your landlord’s home policy only covers their furnishings or built-ins.

Your renters’ insurance also covers your need for a hotel room or other temporary accommodations when the home you rent incurs damage. Not all renters’ policies include this provision, but you can ensure that the one you obtain from Wichalonis Insurance Agency does.

We can also help you with add-ons to your policy that help protect the expensive items you own, such as the engagement ring you purchased for your soon-to-be spouse. Other add-ons include a rider for home-based businesses and hobbyist coverage that offers protection for costly hobby equipment like surfboards or cameras.

Contact Wichalonis Insurance Agency

Contact Wichalonis Insurance Agency for a renters’ insurance policy that protects your liability and belongings. Let us help you protect your Cumming, GA home.

What Are The Different Types of Motorhome Insurance?

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.


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

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?

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?

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

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

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.