Coverage guides, market updates, and local risk insights, in plain language. No jargon, no sales pitch.
Metro Atlanta sits in a regional tornado corridor. Most policies cover tornado damage, but wind and hail deductibles vary widely. Some are flat dollar, some are percentage-based.
Read article →Heavy rain plus aging Atlanta sewer infrastructure means basement and main-floor backups are common. Standard homeowners excludes them. The fix is a $40 to $80 per year endorsement.
Read article →Personal auto policies exclude business use. If employees drive for your Georgia business, you need commercial auto coverage. Here is when it applies, what hired and non-owned auto covers, and which carriers are competitive.
Read article →Three common gaps in Georgia homeowners policies: dwelling limits, wind/hail deductibles, and flood.
Read article →Liability coverage stacked in million-dollar layers above home and auto, reaching claims those policies exclude.
Read article →Professional liability insurance covers financial losses your clients claim were caused by your services or advice. General liability does not cover this. Here is who needs it, how claims-made policies work, and what it costs in Georgia.
Read article →General liability insurance covers bodily injury, property damage, and advertising injury claims against your Georgia business. Here is exactly what it covers, what it misses, and how much you actually need.
Read article →Dwelling coverage pays to rebuild at today's construction prices, not what the house would sell for. How to check yours.
Read article →Ransomware, breaches, and the downtime that follows. What cyber coverage answers for a Georgia small business.
Read article →Property and liability bundled into one policy for small businesses. What a BOP covers and where it stops.
Read article →Renters insurance costs $12 to $20 per month in Georgia and covers your personal belongings, personal liability, and temporary housing if your apartment is damaged. Most tenants skip it. Here is why that is a mistake.
Read article →Homeowners policies exclude rising water. How NFIP and private flood differ on limits, waiting periods, and price.
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
