Author: admin

How much motorhome insurance should I buy?

Posted on by admin

If you’re buying a motorhome soon, you might be wondering what you need to operate it safely.  The Savannah, GA law requires that all motorhome owners carry motorhome insurance, particularly liability coverage. Motorhomes are generally more expensive to insure than most RVs as they cost more to replace than travel trailers and other RVs. At TruePoint Insurance, we recommend assessing your needs before purchasing motorhome insurance to maximize helpful coverage. Here are some of the factors that determine how much insurance you will need.

Motorhome usage

How you use your motorhome greatly affects how much insurance you will need. If you’re always on the roads, your insurance company may need you to have vacation liability and enough bodily injury and property damage liability. If you use your motorhome for recreation purposes, let your insurer know approximately how many days in a year you use your motorhome to adjust your rates.

Driving experience and record

Handling a motorhome is a completely different experience than driving a normal car. You have to know how to negotiate corners, keep the length and height of your motorhome in mind and drive carefully to maintain a clean driving record: the cleaner the records, the better the rates.  Additionally, too many claims indicate risk on the road.

Your location

Where you live or store your motorhome in Savannah, GA, matters as populated areas are at higher risk of accidents, which can increase your motorhome insurance costs. Regions prone to catastrophic weather may also cost more to insure. Motorhomes are large, expensive vehicles and a big target for car thieves. Consider storing them in a spacious locked garage or taking them to a storage company for additional safety.

At TruePoint Insurance, we can help you get a motorhome insurance policy that truly reflects the factors that will go with your motorhome.  Check out our website for more information and hesitate to call us if you have any questions.

Is renters insurance a necessity?

Posted on by admin

If you are renting an apartment in Savannah, GA you will need an outstanding insurance policy to safeguard your possessions. Landlords insurance property insurance protects the building itself, whether an apartment or a house. Your belongings and certain liabilities are covered only through a renter’s insurance policy that you have to scout and pay for. Regrettably, few tenants procure renters coverage with a notion that their landlord’s policy covers them. Connect with our agents at Truepoint Insurance, and they are ready to explain the following benefits of renters insurance you accrue as a tenant.

It covers losses to personal property.

A salient renters insurance policy covers against losses to your personal belongings such as clothes, jewelry, computers, furniture, and electronics. Even if, as a tenant, you don’t possess much, it can quickly accrue to a lot more than you realize. Renter’s coverages protect your personal property against imminent perils like:

  • Explosion
  • Falling objects
  • Fire or lightning
  • Smoke
  • Theft
  • Vandalism or malicious mischief

Provides liability coverage

Liability coverage protects someone if they are injured while on your premises or if you or another covered party injures someone else. It also pays any court judgments inclusive of legal fees up to your policy limit.

Provides coverage for additional living expenses

If your rented apartment gets uninhabitable in Savannah GA as a result of covered perils, your renter’s insurance coverage will cater to additional expenses like hotel bills and food costs.

Your landlord may require it.

It’s prudent to be aware that your landlord’s insurance caters to the structure itself devoid of your belongings. A sizeable number of landlords in Savannah GA might require tenants to procure their renter’s insurance coverages. They will expect to see a proof before allowing you to rent or occupy their building.

When selecting a formidable renters insurance, ensure to choose an insurance company that satisfies your needs or budget. Get In touch with us at Truepoint insurance in Savannah, GA  for comprehensive information about renter’s insurance. 

What Does RV Insurance Cover in Savannah Georgia?

Posted on by admin

If you like traveling with your family in an RV, camper or trailer, then you need liability insurance on your vehicle. If your RV, camper, or trailer are financed, you will need full coverage to protect your finance company’s assets. Different types of insurance can be confusing and at Truepoint Insurance we are here to help you.

What is the Minimum Liability for RVs in Savannah, GA?

In the state of Georgia, the minimum amount of insurance for an RV is 25/50/25. This means that you have $25,000 in property damage coverage per each accident, $50,000 for bodily injury per each accident, and $25,000 for property damage liability. This is the minimum amount you need if your RV is paid off and you own it outright.

What are the Other Types of RV Coverage?

Full coverage includes both comprehensive and collision insurance. Collision covers damage to your RV resulting from an accident and comprehensive damage to your RV for non-collision-related items such as wind damage or hail damage.

Vacation liability insurance covers costs of others’ property or for their injuries. This is different than the standard liability insurance needed for an RV in Savannah GA that you drive in that it will cover you when you hurt someone else or cause damage to their property when your RV is being used while you are on vacation instead of just driving down the road.

Roadside assistance is a great item to add to your RV insurance policy because you never know when something will go wrong. It can help you to tow your RV to a shop and allow you to get a rental car if repairs will take some time. Then you can get back on the road for your family adventures.

At TruePoint Insurance, our knowledgeable experts can help you to determine how to effectively insure your RV to recoup any losses if you incur damage. You can call us or come by our office near Savannah, GA in Pooler, to get all of the information you need.

Is Motorcycle Insurance Required in Georgia

Posted on by admin

With the wind in your hair and access to some of the best adventures in Georgia and nationwide, it is easy to see why owning a motorcycle is becoming increasingly popular. Just as you are required to have insurance for your personal automobile in Georgia, the same logic applies to a motorcycle with the state mandating separate insurance. At a minimum, motorcyclists must carry the following coverage:

  • $25,000 in liability insurance per person for injuries or death
  • $50,000 in insurance per accident for injuries or death
  • $25,000 in property damage liability per accident

Keep in mind that these figures are just the minimum coverage required to be in compliance with Georgia law and that many motorcyclists purchase additional coverage to better protect their assets, loved ones, and themselves. Failure to carry insurance while operating a motorcycle in Georgia carries hefty penalties including fines and revocation/suspension of registration. When shopping for insurance, bear in mind that liability insurance does not protect the rider and instead offers compensation and support for any victims of an accident caused by the motorcyclist. Given that motorcycle injuries are generally severe, additional coverage that should be considered includes collision insurance to pay for repairs or replacement of the motorcycle, comprehensive insurance to cover damages caused by theft, vandalism, hail, and more, and uninsured motorist coverage. 

In addition to insurance requirements, Georgia motorcyclists must also have a valid Class M License or Class M Instructional Permit which can be obtained through the completion of an accredited Motorcycle Safety Program Course or passing a vision test, written exam, and riding test administered by the Georgia Department of Driver Services. 

At TruePoint Insurance in Savannah, GA our friendly and dedicated team of insurance professionals is ready and willing to answer all your questions so give us a call today to learn more.

How Does a Home Insurance Deductible Work?

Posted on by admin

Most homeowners in Georgia have a basic understanding of their home insurance deductible. We all know that when we file a claim, we’ll be expected to put up a bit of money ourselves, typically a flat cash amount, in order to claim our check.

This roughly defines a deductible, but leaves us with a few unanswered questions.

For instance: Why?

Don’t we already pay a monthly premium? So what’s the deductible for?

Put simply, insurance companies will have policyholders pay a deductible when making a claim to ensure that the policyholder has some “skin in the game,” so to speak. The deductible helps to ensure that people can’t make frivolous claims. If home insurance covered every single loss with no deductible, there would be people filing a claim for missing TV remotes and lost socks. The deductible helps to discourage that kind of frivolous use of an insurance policy.

Also worth knowing: If you only plan to make an insurance claim in the event of your home burning down or something like that, you can pay lower premiums by setting a higher deductible. You generally don’t want to have a deductible higher than you could comfortably pay at a moment’s notice, but if you only plan to file a claim in extreme circumstances, it may be better to save money month to month with a higher deductible.

If you have any more questions about your home insurance deductible in Savannah, or if you’re looking to get covered, get in touch with TruePoint Insurance. TruePoint Insurance can help you to get a good deal on a great policy.

Do you need flood insurance in Fisherville?

Posted on by admin

If you are looking for a nice community to move to, Fisherville, KY is a great option to consider. The entire Fisherville area has great job opportunities and a lot of recreational activities to enjoy. If you decide to buy a home in this area of Kentucky you will want to ensure that it is covered with insurance. For some, this could mean getting flood insurance. There are a few situations when you will need to have this additional protection.

When Looking to Offset Flood Risk

Depending on where you are located in this community, there is a chance that you could be by a waterway that has a risk of flooding. If you are concerned about this risk, having the right insurance is very important. Since your home insurance plan will offer nominal flood coverage getting a full flood insurance plan is a good investment as it will provide the resources needed to make repairs if your home is damaged by a flood.

When Required by Lender

You may also need to get a flood insurance plan if your mortgage lender is requiring it. Any mortgage lender today is going to pull flood searches on your property. If your home is within a flood zone the lender will want you to get proper coverage. They will likely have you escrow for this policy each month as it ensures you will not have a lapse in coverage.

If you would like to get a flood insurance plan when you are in the Fisherville, KY area, you should speak with the team at TruePoint Insurance. The team with TruePoint Insurance can help you determine which form of flood insurance is right for you. They can then help you create a plan that properly protects your property. 

What Single People Should Know About Life Insurance

Posted on by admin

More of us are staying single than ever before. Both marriage rates and childbearing rates are slowing down and happening at later ages, as people realize they have more choices for how they want to live. This is great! And if you’re among today’s strong force of singles, it’s time to consider life insurance. 

Yes, life insurance. There’s a common misconception in society today that if you’re single with no spouse or dependents, you don’t actually need life insurance. While it’s true that many people do enroll in life insurance for the sole purpose of protecting their close loved ones (who depend on them financially) after they’re gone, that is only a small portion of what a good life policy can do. Here’s what all single people should know about life insurance and why it may be a good choice for their lifestyle:

Life Insurance Can Help Cover Your Funeral Expenses

Nobody likes to think about “the end,” but the truth is that we can’t predict the future, and it can happen at any time. When someone passes without a good life insurance policy in place, their loved ones (both family and friends) often end up having to foot the bill. Even small, simple funerals can end up costing a lot, but a life insurance policy can help ease the financial burden either partially or entirely.

Life Insurance Can Pay Your Remaining Debts

Many of us live with at least some kind of debt (student loans, mortgages, car loans, and credit card debt are big ones), and so many people pass while still owing considerable amounts of money. If you don’t want your assets seized after you die, or your assets are not enough to cover the debt you owe, then life insurance can be used to pay off remaining balances. It is especially important to consider life insurance if you are a co-signer on something, as the other person will end up being responsible for everything once you pass.

You Don’t Have to Have a Spouse or Children in Order to Name a Beneficiary

You can name whoever you like as your beneficiary, and many single people choose not just family and/or close friends, but also a charity that is near and dear to them. Life insurance gives you some lasting power after you’re gone. Interested in learning more about your coverage options? Contact our team at TruePoint Insurance in Fisherville, KY today!

Three unique types of coverage you need in a boat insurance policy

Posted on by admin

As a boat owner in Fisherville, KY, it’s important that you invest in boat insurance coverage. At TruePoint Insurance, we provide boat insurance policies to consumers.

The following are three unique types of coverage you need in a boat insurance policy.

Liability coverage

Liability coverage is one of the most important types of coverage that you need when you’re boating. Liability coverage will pay for the costs of any expenses resulting from accidents that you are judged at fault for while boating.

Liability coverage can protect you if you face a lawsuit as a result of your boating activities. Liability coverage should include medical payment coverage for bodily injury that results from your boating activities. 

Salvage and wreck coverage

You should definitely make sure that your boat insurance policy includes salvage and wreck coverage. Salvage and wreck coverage pays for the costs of removing your broken down boat from the water.

It can be very expensive to remove boat debris from waterways. However, you are likely to be responsible for paying this expense if your boat is destroyed while you’re out on the water. Adding salvage and wreck coverage to your boat insurance policy can be a lifesaver if your boat is ever involved in a severe accident. 

Property coverage

You’ll definitely want to include property coverage for your own property in the terms of your boat insurance policy. This way, you know that accidental damage to your boat will be covered and you won’t have to pay for it out of pocket. 

Contact us today to learn about our boat insurance coverage options in Fisherville, KY. We provide boat insurance coverage as well as numerous other types of insurance coverage at TruePoint Insurance. 

Do I Need Commercial Insurance for My Home Office?

Posted on by admin

Yes. If you own a business, even if it’s run out of your home, you need commercial insurance. If something were to happen to your business in Fisherville, KY, and you’re not adequately insured, you’re putting both your business and personal assets at risk. Also, you don’t want to assume that just because you work out of your home that your home-based business is covered by your home insurance policy. This is simply not true. Many homeowner’s policies severely limit the amount of coverage they provide for business-related equipment and other costs. 

Millions of Americans work out of their homes. So who needs commercial insurance? Anyone who owns a home-based business like photographers, consultants, eCommerce merchants, freelancers, and more. If you work from home and you don’t work for a company, you need commercial insurance.

Commercial insurance covers the cost of any disaster that befalls your at-home office equipment. If your laptop is stolen, you can count on it being replaced. A homeowner’s insurance policy will not likely do the same. Another reason to have commercial insurance as an at-home business is the possibility of litigation. If you see clients in your home, for example, and they’re injured, you are liable. If, as a photographer, you take your clients to a nature spot and they get injured, you could be held liable. There are lots of scenarios like this one to consider. 

Whether your equipment suffers theft or fire, or your face litigation, you need to be covered. Otherwise, you risk losing your business. 

To learn more about purchasing a commercial insurance policy in Fisherville, KY, contact the team at TruePoint Insurance, serving this area. Our reputable agents are standing by to take your call and answer all your questions. 

3 Tips for Understanding Your Auto Insurance

Posted on by admin

Auto insurance in Fisherville, KY can be difficult to really understand on a deeper level. Ultimately, you don’t just need to know the general definitions and broad terms of coverage that you have. What you really need is in-depth details about what exactly will happen if something does occur. TruePoint Insurance wants you to know a few things before settling on a carrier for your vehicle. 

Auto Insurance Is About You 

Your auto insurance has everything to do with what you do. Whether you drive all the time or just a couple of times a week, your policy is tailor-made to fit you. This can be difficult to grasp at first, especially when it seems like one quote is the same as the next. 

You Should Look Carefully 

A lot of auto insurance carriers will make decisions that you didn’t necessarily expect, which can make the actual terms of your coverage difficult to process. This is why it’s necessary (if not convenient) to really over the terms of your coverage if you live in Fisherville, KY. 

Your Partner Matters 

Some insurance carriers are responsive in a crisis. They have a team that’s standing by to help you understand where you stand when something happens. But other carriers simply don’t have those resources, or the staff simply isn’t interested. If you truly want to understand your auto insurance policy, you need more than just promises. You need someone who’s going to really explain it to you. 

TruePoint Insurance understands just how overwhelming and frustrating it can be to really look over the details of your policy. We understand why so many people choose based on financial considerations rather than the actual coverage that they need. Gives us a call today to see how we can help.