Is it time to refinance your Home in Georgia ?

save money on home refiance in GeorgiaIs it time to refinance your Home in Georgia to save money?

Lets face it everyone wants to save money nowadays.

Whether it is saving money on your home insurance in Atlanta or looking for ways to refinance your home in Georgia most people are interested if it makes sense to do so.

With home interests rates as of today hanging around 3.5 percent or lower it SOUNDS really good doesn’t it?

So that is the $99,000, Does it make BUSINESS sense to refinance your Georgia home?

The answer is that it depends… Continue reading

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Tips to sell your home quickly Georgia

If you are trying to sell your house then here are a few tips to SELL your home quickly in Georgia.

Lets face it. The Atlanta market doesn’t seem to be bouncing back as fast as homeowners would like. Bloomburg reports that while the rest of the nations top cities are selling homes Atlanta is not. In fact Atlanta had the biggest year-over-year drop, in fact, with prices falling 12 percent.

What is a home owner to do to sell their home quickly in Georgia?

We have scoured a few of the helpful Georgia real estate blogs that offer the following helpful tips.

Hopefully these tips will be helpful and serve as a little home insurance to help you sell your house faster. Continue reading

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Castles in the United States

castello-di-amorosa
There is an old saying that “A mans home is his castle”. Whether you live in a castle like this or just a ranch in Atlanta it is important to make sure you have the proper home insurance coverage.

Now you can see REAL castles right here in the good Old USA without having to go to Europe. Many of them sustained major damage to them over the years. Thankfully renovations have restored many to their pristine condition. Now you can see why home insurance is so important!

Here is a list of the top 10 US castles you can visit this year. Continue reading

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How to save money on cooling your home in Georgia

save money on cooling your home in GAWho else wants to save money on cooling your home in Georgia?

We don’t have to tell you how HOT it gets in Georgia in July and August SUMMERS.

Here are a few easy ways to Cut Back on Your Cooling Methods and Save Money.

  1. Studies have shown significant savings, regarding energy expenses, after installation of Energy Star standard windows. Such windows provide better insulation for the house, keeping the hot air out and cool air in, resulting in lower use of cooling appliances.
  2. Use microwave ovens and grills INSTEAD of indoor ovens and stoves.
  3. Have your AC units inspected annually to make sure Continue reading
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How about an abandoned missle silo for your next home?

Looking for a disater proof home?

There are some folks that are looking for disaster proof homes to help them survive in the case of future nuclear war or similiar doomsday scenarios.

Some folks are actually buying abandoned missle silos!

Notice what:

” Truth be told, some of these sale-priced bunkers are fixer-uppers. But on the plus side, once all the basics are set up and supplies are stockpiled, if you ever do need to escape disaster, there will be plenty of time to work on home improvements in your bunker.”

Notice what one of these silos in Kansas is like: Continue reading

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2011 US Postal Service List Of Cities With Most Dog Attacks

Top 46 cities dog attacks infographic

2011 Top 46 US cities dog attacks infographic

How did Georgia fare in the 2011 US Postal Service List Of Cities With Most Dog Attacks?

As you can see in the accompanying chart thankfully Georgia Cities did not rank in the top 46 cities with the most dog attacks. source

Which states had the most cities that had dog attacks?

Unfortunately California and Texas didn’t fare as well with dog bites. California had Los Angeles (83), San Diego (68) in the top 2 spots with Sacramento (35), San Francisco (26), Oakland (24), San Jose (24) and Long Beach (18) also making an appearance. Texas had Houston (47), Dallas (41), San Antonio (39), Ft. Worth (23) and El Paso (20).

Does this mean that big cities in Georgia like Atlanta do not have a problem with dog attacks?

In 2009 a pack of dogs brought down and killed an animal-loving couple last weekend in rural northeastern Georgia, and a similar tragedy could occur anywhere dogs roam freely, authorities say. http://articles.cnn.com/2009-08-19/us/georgia.dog.attack_1_pack-behavior-dogs-bonnie-beaver?

Here A 9-year-old girl was hospitalized after being mauled by a pit bull dog in Gainesville. http://onlineathens.com/local-news/2012-04-20/georgia-girl-9-hospitalized-after-dog-attack

Over half of the victims are children! So please be careful especially if you are a parent and a petowner!

Now what does this have to do with your homeowners insurance in Georgia?

Notice what the Insurance Information Institute had to say about this?

2011 US Postal Top 25 Dog Attack Rankings

Did your city appear in this years US Postal Top 25 dog attack rankings list?

” Dog bites accounted for more than one-third of all homeowners insurance liability claims paid out in 2011, costing nearly $479 million, according to the Insurance Information Institute (I.I.I.). State Farm Mutual Automobile Insurance Company, the largest writer of homeowners insurance in the U.S., paid out more than $109 million as a result of its nearly 3,800 dog bite claims in 2011. An analysis of homeowners insurance data by the I.I.I. found that the average cost paid out for dog bite claims was $29,396 in 2011, up 12.3 percent from $26,166 in 2010. From 2003 to 2011 the cost of the average dog bite claim increased by 53.4 percent. The number of claims rose 3.3 percent from 15,770 in 2010 to 16,292 in 2011. “ Source

The lesson?

While none of the cities in Georgia appeared in the 2011 US Postal Service List Of Cities With Most Dog Attacks, the fact is that these warnings are for all of us. Protect your loved ones, friends and neighbors by being a responsible pet owner.

 

 

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How much is home insurance in Atlanta cost?

So then how much is home insurance in Atlanta cost?

The answer is, it “DEPENDS”.

Now I am sure that is not the answer you were looking for.

But stay with me on this for a moment please. In a moment you will see why it is imperative to talk to an experienced agent to help you get the best Georgia home insurance coverage by getting you all of your Georgia home insurance discounts.

How much your home insurance in Atlanta will cost will depend on several things:

1- How much does the home cost? Think about it. It only makes sense that a more EXPENSIVE home would cost more to insure than a less expensive home.

2- Occupancy. Is this a one family, 2 family a duplex or a triplex? As you can imagine a  duplex will cost more to replace than a single family home will. It will have 2 sets of electrical services, 2 sets of hvac systems, 2 water heaters etc.

3- Where is the home located? If you live in an area of Atlanta that has a lot of crime then be prepared to pay a little more for your home insurance. Insurance is all about managing risks. Crime ridden neighborhoods will statistically have more break ins and vandalism.

4- How old is the home? A NEWER home would cost more to insure than an older home that needs a lot of safety upgrades like electrical and plumbing. Make sense?

5- Your CLAIMS history? I am sorry to tell you but if you have a HISTORY of placing a lot of CLAIMS you are considered a higher risk! So think twice about making small claims.

6- Combine with other insurance policies? Combine your homeowners with your auto insurance in Atlanta and BINGO! Save up to 25%!

7- Ask About Insurance Company Discounts:

  • Non-smoker
  • Mature-homeowner
  • Multiple policy
  • Longtime-customer

8- Home Security Discount:  Do you have a home security system? Be sure to let your insurance company know.  They will be glad to give you a discount for this.

9- What is your home made out of? This also makes sense because if a home is made out of a COMBUSTIBLE material it will cost more to insure than a brick or block home.

10- Deductibles? A $250 deductible will cost more than a $1000 Atlanta home insurance deductible.

11-Replacement Coverage Amount: You can thank inflation for the higher prices your repairs to your home and possessions will cost you down the road. Since that is the case, if a house cost $100,000 today what will it cost you to REPLACE it later on. What will a $100,000 do for you if it costs $150,000 to replace in a few years? Replacement coverage will also protect you against DEPRECIATION. If your TV is struck by lightning do you want to get reimbursed for a new TV or do want a check for what they say your 10 year old TV is worth today.

12- Credit Rating: For those that think their credit score should have nothing to do with their home insurance premiums, I am sorry to tell you that they do. Statistically people with a higher credit score are deemed as safer risks. Lower your credit score and lower your premium.

12- Distance from fire station: Do you know where the closest fire station is? Homes that are closer to fire stations usually have a lower premium than homes that are a far away from fire stations. When it comes to a fire… every moment COUNT!

13-What breed of Dogs do you have? Do you have a dog that is listed on the insurance companies “most dangerous list”?  If you have a Pit Bull, Rottweilers or a  Doberman make sure your local insurance agent knows about it. If not… you might not be covered in a claim that involves your dog hurting someone.

14-  Swimming Pool: Are you looking to add a pool or thinking of buying a house with a pool? Be sure to check in with your insurance agent and see how the pool will affect your rates.

15.  Trampoline:  Do you own a trampoline? Tell your insurance company about it BEFORE you need to file a claim. Otherwise they may not cover you.

16. Value of your home minus land costs. Don’t pay for replacement costs to replace your land! Make sure you minus the value of the land when calculating what the replacement costs of your home are.

17. Contents. Did you know that if your possessions are valued at more than 50% of the dwelling s value- you could lose out big time. If the value of your personal  property has is in excess of that amount, you should immediately increase the size of the policy limits on your contents.

18- Liability Limits. If someone hurt themselves at your home would your current policy levels be enough? If a jury awarded them 1 million dollars you could be in big trouble because you were under insured. Increase your liability limits above the minimum that comes with a basic homeowners policy.

19- Good old Mother Mature: Is the home in an area that statistically and historically at known to be at-risk for natural disasters such as hurricanes, wildfires, tornadoes etc.

20- Do you run a home business: If you operate a home business your premium will increase. Especially if you have clients that come to the house!

Now you can see why I said that the question “how much will home insurance in Atlanta cost me?” is not an easy one to answer.

Why not pick up the phone or fill out the contact form on the right to schedule a consultation today to see how much your home insurance in Atlanta will cost you.

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Do I Need Fish Tank Insurance In Georgia?

fish tank insurance georgiaSo Do I Need Fish Tank Insurance In Georgia Or Will Home Insurance Cover My Aquarium?

If you are an aquarium lover like so many of our fellow Georgians you might be wondering if your GA home insurance policy will protect your fishtank or will you require additional Fish Tank Insurance In Georgia?

And rightfully so, considering the expense of the thousands of dollars involved in setting up a freshwater or saltwater aquarium!

Even worse… What happens if your fish tank springs a leak!

I would like to share a few thoughts with you on this matter, but in the end I STRONGLY suggest talking to your insurance agent.

Georgia Home Insurance and your Aquarium.

So what if something happens to your fish tank which in turn causes damage to your home?

Unfortunately, you might find that your insurance company will try to deny the claim!

That is why it is important to talk to your insurance agent because each policy may have different coverage. So don’t delay in calling them!

  • Some insurance companies will cover repairing damage on the house, just not the tank or it’s contents.
  • Other insurance companies will require you to get an insurance rider to protect you just as you would to cover a waterbed.
  • Others will caution you to put a rider on your home owners insurance that will cover the tank and its contents too. The rider would cover all catastrophies, vandalism etc. It wouldn’t cover the death of a single fish however. Your tank itself would not be covered if the leak was due to a defect in the tank.
  • Many fish tank owners choose to pay for small amounts of damage out of pocket rather than risk your rates going up or cancellation.

What if you live in an apartment instead of owning a home?

Georgia renters insurance and your fish tank.

  • If you live in an apartment, a Georgia renters insurance policy should cover  everything including the aquarium, unfortunately it will NOT cover your fish!
  • In case of a tank leak, your renters insurance policy should cover any damage it might cause to your apartment.
  • If you live in a second floor apartment, make sure you have at least 100k in liability coverage. Think about it… If a 300 gallon tank leaks you might have to replace all of your neighbors belongings as well!
  • If you don’t have a renters insurance policy they can quite surprisingly AFFORDABLE. For under $200 a year you are usually covered for everything.

Final thoughts about needing aquarium insurance in Georgia

Whether you are a fish tank lover in Atlanta, Athens, Macon, or Rome GA for that matter, take the time to pull out your renters insurance policy or your home owners insurance policy. Familiarize yourself with them and then pick up the phone and contact your local agent and discuss your Georgia home insurance coverage. Talk to them. Tell them about your aquarium and ask them all the questions that are concerning you.

Then and only then will you really no if you need aquarium or fish tank insurance in Georgia.

 

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