RV Insurance: What You Have to Know

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Doubling as both accommodation and transportation, RVs are often a budget-friendly way to travel for those always on the road. In recent years, there has also been an influx of individuals and families choosing to sell their homes and live in an RV full-time. Because of this, it’s become increasingly important to find the appropriate insurance coverage to protect your investment. Your RV is likely one of your most significant physical assets, and you should work with a Savannah, GA insurance agent who understands its role in your life.

Special Considerations for RV Insurance

When insuring your RV, the process and terminology are similar to insuring your car. There are three standard areas of coverage: liability, collision, and comprehensive.

With RVs typically being some of the most significant vehicles on the road, they commonly cause a lot of damage during an accident, regardless of who was at fault. This is where liability and collision insurance come in. These coverage types will ensure that you are protected in the event of a lawsuit and are not stuck paying for repairs out of pocket.

Comprehensive coverage must be considered for those who live or travel in areas prone to hurricanes, flooding, hail, and other natural events that may damage your RV. In addition, you may want to add coverage for specific events you might face, like roadside assistance and hotel stays.

Find the Coverage You Need at the Price You Can Afford With TruePoint Insurance

RVs are an invaluable asset to many families in Savannah, GA. You can protect them as such with help from the team at TruePoint Insurance. For over a decade, TruePoint Insurance has helped RV owners find the right policy without breaking the bank. Call us today to learn more about what we can do for you!

Why Are Motorcycles So Dangerous?

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Motorcycle ownership can be a great vehicle option for many people. To get the most out of your motorcycle, though, it is important to be aware of the increased dangers that bikes present. At TruePoint Insurance, serving Savannah, GA and the surrounding areas, we make it our job to help clients stay safe on the roads. Keep reading to learn more about why motorcycles can be dangerous.

Less Protection 

A motorcycle provides a great sense of freedom on the road, which is partly due to the fact that there is nothing surrounding the driver. Although this can be thrilling, it also increases the driver’s risk factors. With nothing protecting you from impact, you should be aware that driving safety is even more important than in a regular vehicle. 

Smaller Size 

Smaller vehicles are always at greater risk for damage, and drivers are at greater risk for injuries. This is because a larger vehicle can damage you and your bike more. Because you are a smaller vehicle, it will be important for you to take responsibility for extra safety precautions. 

Higher Speeds

Due to the bike’s smaller size and design, motorcycles can reach higher speeds than some other types of vehicles. The temptation to speed can be strong when driving a motorcycle. It is your responsibility, as a biker, to always keep a safe speed. This helps to protect you as well as other drivers on the road. 

To learn more about motorcycle insurance, please get in touch with us at TruePoint Insurance, serving Savannah, GA, and the surrounding areas. 

Frequently asked questions about home insurance

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When you buy a home, it is crucial to keep it protected. One way you can protect your home is by purchasing insurance for it. When searching for home insurance, it is normal to have questions. Here are some common questions and answers to those questions regarding home insurance.

Is home insurance required in Georgia?

Technically, home insurance is not required in the state of Georgia. While the state doesn’t mandate home insurance, most lenders require home insurance to get a mortgage. Even if no one requires home insurance, it is still a good idea to get it.

What is the replacement cost vs. the actual cash value?

The replacement cost is the amount it would cost to rebuild your home completely. The actual cash value is the amount your home is worth when you file a claim.

What types of home insurance coverage are available?

Several types of home insurance coverage are available. You have to check in with your insurance company to ensure you have the proper protection for your needs. Below, we will talk about some of the common types of coverage.

Dwelling coverage

Dwelling coverage protects the inner and outer structure of the house.

Other structures

Other structures coverage refers to other buildings and structures on your property, such as fences, barns, sheds, and detached garages.

Personal belongings

Depending on your coverage, with personal belongings coverage, your insurance will pay to replace your belongings if they get stolen or damaged from a natural disaster or fire.

Loss of use

If your house becomes unlivable, your insurance will pay for your living expenses, such as hotel rooms, food, etc., up to a certain amount or until your house is livable again.

Liability

If someone gets injured or something damages their property, liability insurance takes care of those costs and any legal costs that might occur.

Contact TruePoint Insurance

Here at TruePoint Insurance, we can care for your insurance needs in Savannah, GA. Contact us for a quote.

What Does Flood Insurance Cover?

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If you live in the Savannah, GA area, the agents at TruePoint Insurance want you to know and understand the importance of flood insurance. Some people believe that flood insurance is automatically included in their homeowner’s insurance policies, but that is not the case. A flood insurance policy is created separately from your homeowner’s insurance policy and the National Flood Insurance Program (NFIP).

What Does Flood Insurance Cover?

Flood insurance covers damages to your home that can occur when water enters your home. This can happen anywhere you live, not just in flood-prone areas. With today’s weather, more flooding events are occurring than ever, so it is a great idea to have a flood insurance policy in place.

When it comes to flood insurance, there are two different options you can choose from to include in your particular policy.

You can choose a flood insurance policy that will help cover any damage to the structure of your home and other areas of your home up to a certain dollar amount. This will help you make any necessary repairs to your home after flooding has occurred.

The second option, when it comes to flood insurance, helps you replace all of your personal belongings lost to water damage from a flood. These things can include your personal items, including clothing and toiletries, as well as household items, furniture, and even appliances that you have spent a lot of money on in the past.

Some flood insurance policies will even cover your stay at a hotel or some other location while your home is being repaired after a flood.

What is Not Covered Under Flood Insurance?

Some things are not included in a flood insurance policy. Those things can include the cash that you have at your home, jewelry that is made of certain precious metals, and even stocks and bonds. It is better to keep these types of items in a safety deposit box at another location rather than your home.

While your flood insurance policy will cover your home, garage, and basement areas, other things, such as sidewalks and trees, will not be covered. You can inquire with your trusted flood insurance agent to see if items like hot tubs, septic systems, decks, and swimming pools can be covered under your flood insurance policy.

Contact TruePoint Insurance

To get your flood insurance policy, contact the experienced flood insurance agents at TruePoint Insurance in the Savannah, GA area today!

Uncover the Unexpected Benefits of Life Insurance for Child-Free Couples

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Life insurance is often thought of as something that only benefits married couples with children, but it can also benefit child-free couples. It can provide financial security in case of death or disability and also offer tax benefits. In this article, we at TruePoint Insurance will look at some of the unexpected benefits of life insurance for Savannah, GA couples who don’t have kids.

How Life Insurance Can Cover Final Expenses

Life insurance can be a critical source of funds for those who do not have children to help cover the costs associated with their final expenses. Life insurance proceeds are not subject to probate and can be paid to your designated beneficiary when you pass away. This money can be used to pay for funeral and burial expenses, medical bills, and other outstanding debts.

How Life Insurance Can Help Pay Off Debt

With a life insurance policy, the insured individual can designate beneficiaries who will receive the policy’s death benefit when they die. Beneficiaries do not necessarily have to be children of the insured. This death benefit can be used to pay off any remaining debt, such as credit card debt or student loans.

How Life Insurance Can Enhance Retirement Plans

Life insurance policies can be used as collateral to secure loans, which can be used to fund investments that will help with retirement planning. Ultimately, life insurance can provide financial security for those without children and can be a powerful tool in retirement planning.

TruePoint Insurance of Savannah, GA is dedicated to providing quality life insurance to us. We are committed to providing you with the most comprehensive coverage to help protect the ones you love. Our team is here to answer any questions and provide you with the support you need.

Are You a Business Owner? Make Sure it is Protected with Commercial Insurance

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Are you a business owner in the Savannah, GA area? Does commercial insurance protect your livelihood? If not, TruePoint Insurance can help.

What is commercial insurance? It is a broad type of coverage that provides liability insurance for general business risks. The four most common types of commercial insurance are:

  • Business interruption insurance
  • Commercial general liability insurance
  • Cyber liability insurance
  • Property insurance

While general liability insurance is not required by law, without it, you could face having to pay for all expenses related to a claim against your business. For example, if a client or customer visits your place of business, slips and falls, breaking a hip, without this coverage, you will be responsible for any legal fees and all medical bills. This coverage should be a priority for any business.

General liability insurance is sometimes called commercial liability insurance or small business liability insurance, which provides coverage for your business against any claims made by others for bodily injury or damage to property.

Libel and slander are also covered. Suppose something is said or written by you or an employee, and it damages the reputation of another. In that case, the associated costs of a lawsuit will be covered under a general liability policy.

The cost of general liability coverage will vary based on the size of your business, the type of business you are in, your location, and the amount of coverage you need.

General liability coverage will pay legal fees and any settlement if your business is sued. Advertising injuries, court costs, legal fees, and administration fees will also be covered.

Don’t risk the business you have worked so hard to build. Commercial insurance is a must for any business. Contact TruePoint Insurance today for a no-obligation quote or answers to any questions you may have. You will be glad you did.

Protect Yourself with Car Insurance

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Did you know it is against the law in 48 states to drive without car insurance? Let the professionals at TruePoint Insurance, who serve the Savannah, GA area, provide you with the coverage you need for your car or truck.

Why is car insurance necessary? If you are like most drivers, you think it is not needed. But having car insurance is necessary for any driver.

The three main reasons to have car insurance are to comply with the laws of your state, satisfy lender requirements, and protect your assets. All states require you to take financial responsibility for damage you cause if an accident is your fault.

Auto insurance is required because it provides drivers with payment for damage to their vehicle caused by an accident or other covered perils, such as theft, fire, vandalism, falling objects, or other accidents.

It doesn’t matter what type of vehicle you drive; there is always the chance of a traffic mishap. Accidents frequently happen for several reasons and varying extents, but they always cost money. They can cause severe injury or death. If you are without car insurance, serious trouble can result. Not only will it cost thousands of dollars for medical bills and the damage incurred, but your driver’s license could be revoked, and you could be faced with a hefty fine.

Liability insurance is required by law. It is usually the most expensive, so your insurance provider will be responsible for any damage you cause.

Other coverage is collision, comprehensive, gap coverage, uninsured/underinsured motorist coverage, rental reimbursement, and roadside assistance. These coverages can provide a lot of protection for a small price increase.

Let the insurance professionals at TruePoint Insurance provide you with the coverage you need to protect your vehicle and driving privileges. Contact them today.

Why Add Collision and Comprehensive to Your Policy?

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When you purchase the required auto insurance to fulfill Georgia law, you might consider buying a policy that provides the minimum coverage. In most cases, though, you should insure your vehicle fully through TruePoint Insurance.

Full coverage of your vehicle ensures that your insurance policy protects your vehicle and the other vehicles of the other drivers on the road. The state minimum insurance you obtain to legally drive in Savannah, GA and the rest of the state only protects the other drivers’ vehicles. If you cause an accident, the bodily injury liability component covers the other drivers’ hospital and medical costs, plus that of their passengers. Your property damage component protects the vehicles of the other drivers.’

You only protect your own vehicle by adding collision and comprehensive coverage. This means that your policy covers all the repairs even if you cause a one-vehicle accident, as in, you damage your car, truck, or SUV. That means you’ll only need to pay a small deductible out of pocket for complete repairs instead of shelling out for all the repairs yourself.

Full coverage also protects you from damage caused by animals, such as deer, running out in front of your vehicle and acts of nature. If hail damages your vehicle, your full coverage policy protects your vehicle by paying for repairs. Whether you hit a fence, a wall, or a tree limb falls on your car, comprehensive and collision cover you. It even covers theft.

Contact TruePoint Insurance

Contact TruePoint Insurance serving Savannah, GA, to expand our auto policy to full coverage. Let us help you protect your vehicle and finances. Full coverage auto insurance protects you against all losses.

Four Benefits of Condo Insurance

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Investing in a condo can be exciting. However, as you immerse yourself in the glory of buying a condominium, don’t forget to purchase condo insurance. While you probably contribute to the condo owners association (COA) policy, this only covers damage and liabilities in shared areas. If you want to protect your assets, yourself, and loved ones, please invest in condo insurance.

So, you have purchased condo insurance from TruePoint Insurance. What are the benefits? Here is why condo insurance is worth every penny.

It gives you liability coverage.

Have you or your loved one been accused of inflicting bodily injury? Have you damaged your neighbor’s property? Whatever the case, you don’t have to cover the liability claims from your pocket — condo insurance can come to your rescue.

It covers your personal assets.

If you want to know how valuable your assets are, take a home inventory. You will realize your personal assets carry value, and thus it will be catastrophic to lose them to fire, theft, and other perils. So, invest in condo insurance if you want to protect your personal assets.

It can be customized.

Like home or auto insurance, your condo insurance can be personalized. You don’t have to purchase all the condo insurance policies. You just buy the ones that suit your current needs.

It gives you peace of mind.

Peace of mind is underrated. When you have fewer worries, this manifests in your health and other facets of your life. Condo insurance provides comfort, knowing that what you value most is protected. You don’t have to live on the edge thinking about fires, theft, and other threats.

Do the above benefits appeal to you? If you are in Savannah, GA, please contact TruePoint Insurance for an affordable quote.

Four Benefits of Motorhome Insurance

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Congratulations! You just purchased your motorhome. We can understand the sense of excitement, accomplishment, and fun. But have you thought about motorhome insurance from TruePoint Insurance? Motorhome insurance is an excellent investment to protect your asset, yourself, and your family.

Here are the benefits you accrue when you buy motorhome insurance in Savannah, GA.

Compliance with the law

Your motorhome may act like a home, but the law requires all vehicles, including motorhomes, to have insurance. Failure to comply with this requirement may result in several fines and penalties. But you don’t have to go this route since you can get affordable motorhome insurance from TruePoint Insurance.

Asset protection

Your motorhome didn’t come cheap. That said, losing your high-priced asset to perils like theft, fire, and hail would be a catastrophe. Fortunately, if you have motorhome insurance, your insurer will compensate you if your RV is damaged, stolen, or totaled.

Liability protection

Like your car, you can cause bodily injury or property damage to other people when using your motorhome. If you don’t have liability coverage, you will have to cover the costs from your pocket. The liability coverage of your motorhome covers medical expenses, property repair, and legal fees when sued.

Peace of mind

If you don’t have insurance, living a stress-free life can be challenging. You often think about someone stealing your RV or perils like a fire destroying your vehicle. If you are on the road, you can hardly enjoy your drive because you are scared of the traffic police. You don’t have to live on the edge. Purchase motorhome insurance for a worry-free life.

Purchase motorhome insurance today!

Ready to get started with motorhome insurance in Savannah, GA? Please get in touch with TruePoint Insurance for a no-obligation quote.