Automobile insurance is required in Georgia and Alabama, and several other kinds of insurance can be a great idea even if not legally required. You can also save yourself a lot of time, and maybe some money, by getting all your insurance in one place. One place makes it easy, and we can often bundle a group of policies to save you money. We also have offices in Decatur and Attalla, to serve the Georgia and Alabama area. Auto, home and life insurance are the main insurance coverages people think of, and they are perhaps the most important. We also cover motorcycles and classic cars.
Very often, local ordinances and building codes change over time, which may require additional costs.
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics and other personal items can also be damaged or destroyed.
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
When there is substantial damage to your home due to unexpected events such as lightning, fire or a storm, you may not be able to live in your home until it can be repaired or rebuilt — potentially incurring additional living expenses for lodging, food and other daily needs.
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles and other valuables have limited or no coverage and need to be insured separately.
Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance.
For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy. Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier.
Medical expenses are usually paid without a liability claim being filed against you. In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent.
However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you. The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.
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You invite guests over for a barbecue pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries.
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An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
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You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage.
Your homeowners policy does not cover damage from flood.
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Could your home be at risk? Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program NFIP or through a servicing carrier known as a write your own carrier. Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector vehicles often have significant value and require specialized insurance coverage and claims handling.
Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse.
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However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply. If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy.
Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage. Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer or sump pump.
Products we offer: Auto. Auto Insurance Protecting what you love can be practical, too.
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With Allstate, you'll save when you purchase auto insurance along with another product. Your agent can help you maximize your savings and decide if bundling is right for you. Get a Quote Learn More. Home Insurance Protecting your home can save you money.
When you purchase a home policy with at least one other Allstate policy, you'll unlock our bundling discount. Talk to your Allstate agent to learn how you can maximize your savings and best protect your home.
Contact our offices in Braselton, GA to speak with an agent and get a quote. Automobile insurance is required in Georgia and Alabama, and several other.
Life Insurance Protecting the people you love is your first priority. But, when you purchase a life insurance policy alongside another Allstate product, you can also save money. Talk to an agent for help deciding if bundling is right for you. You already use your smartphone to track things like how many steps you take. Now you can track how well you drive. Drivewise measures your speed and braking to provide useful feedback to help keep you safe on the road.