Job Posting

Posted on by Brad Smith
TruePoint Insurance, Insuring Georgia

We are a rapidly growing Independent Insurance Agency currently searching for a CSR for our Pooler GA office.

Title: CUSTOMER SERVICE REPRESENTATIVE

Full-Time, In-Office, Monday-Friday 8:30am to 5:00pm

The right candidate will possess the following:

Great Peoples Skills? Let’s Talk!

Skills/Abilities:

  • Strong listening, oral, and written communication skills
  • Goal oriented, highly motivated, and resourceful to achieve results
  • Ability to pay close attention to detail and accuracy
  • Ability to create and maintain business relationships with prospects and policyholders
  • Proven track record of trustworthiness, dependability, and ethical behavior
  • Fundamental understanding of office technology used by small business

Experience and Education:

  • Customer Service Experience (prior experience preferred)
  • Knowledge of Personal Lines, Life Insurance, and/or Commercial Lines products (preferred)
  • Property and Casualty license a plus
  • High School Diploma or GED
  • Associates or Bachelor’s Degree (preferred)

Job Related Training/Licensing:

Must have the ability to obtain a Property and Casualty license within the first year of hire.

Responsibilities:

  • Provide service to the public and policyholders in a pleasant and courteous manner
  • Be able to communicate clearly and professionally
  • Prepare forms and endorsements when required
  • Perform Billing and Customer Service duties in a timely and efficient manner
  • Meet customer service goals and assist with marketing goals
  • Be able to successfully navigate our Agency Management System and Carrier Websites
  • Perform other related duties as assigned

Pay and Benefits:

Salary will be based on experience, with the ability to advance based on performance and license. There will be an initial 90-day evaluation period to determine compatibility, salary increases, and bonus options.  Interested Candidates should send a resume to New job Candidate Pooler GA.

NO PHONE CALLS, PLEASE!

How Renters Insurance Works to Protect You

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There are many advantages to renting a home in Fisherville, KY as opposed to buying. You have greater freedom to move when you want and less financial responsibility. You also have the benefit of purchasing renters insurance to protect your valuables. Renters coverage is practical, affordable, and flexible, making it a smart investment in protecting your assets. Here’s how a renters policy from TruePoint Insurance can work for you.

Protection for Personal Belongings 

Whether you’re renting a house, apartment or condo, chances are your landlord will have insurance to protect his property. His coverage, however, doesn’t include your belongings. By purchasing a renters policy, you can get the insurance protection you need.

Renters insurance offers various types of protection to protect you from financial loss. Property coverage protects your belongings. If your rental home is broken into and valuables stolen, property coverage helps cover their replacement cost. It also covers your goods if they’re damaged by vandalism, fire, water due to leaky pipes and other disasters.

Protection against Liability Claims

As a renter, you’re responsible for accidents that occur on your rental property. If someone gets injured while visiting your Fisherville, KY home, you could be held liable for his medical costs. Liability insurance covers accidental injuries to protect your personal funds. It also covers accidental damage to visitors’ personal property.

Protection against Loss of Use

If your rental home is damaged by fire, tropical storm, or other disaster and you have to live somewhere else temporarily while the house, condo or apartment is being repaired, loss of use coverage helps cover these extra costs. This includes hotel bills, restaurant bills, transport bills, etc.

These are just a few ways renters insurance in Fisherville, KY can work for you. To purchase a renters policy, call or visit TruePoint Insurance today.

Do I need Commercial Auto Insurance

Posted on by Brad Smith

We all know the difference between a truck and a car. Right? 

Car, truck or other. The Volkswagon Thing test our standards.
The Thing; Car, Truck or ??

For most of my life, that was a straight forward question. Along comes the SUV and, more recently, the crossover, the once black and white responses it a lot grayer.

Here’s the good news. 

Has your insurance agent ever asked if you needed, car or truck insurance? Probably not. 

Since Cars, Trucks, and SUV’s are all insured by the same policy, there is no need to ask. However, You will be asked to provide your vehicles VIN. This will give the insurance company the information they need.

Delivery Trucks are considered commercial vehicles. Some can be difficult to insure.
Delivery Trucks considered Commercial

Who needs a Commercial Insurance Policy?

Business Autos cannot be adequately protected with a Personal Auto Policy. A commercial policy of some form must cover these vehicles.

Who decides whether my vehicle needs commercial auto coverage?  

Theoretically, any vehicle can be used for a business purpose. This requires extra effort from insurance carriers and agents as the work to provide adequate coverage.

I like to tackle that question from the other side. Who decides that a Personal Policy does NOT cover my vehicle?

Accurately communicating how you utilize your vehicle is critical. It allows your agent to confirm or deny that coverage exists for your situation.  

Business Auto Insurance also Covers Personal Use

The Commercial Auto Policy is more flexible than Personal Coverage. While protecting your car at work, it can also safeguard automobiles during personal use. While Personal Auto covers only personal use of your auto.  

If you use your vehicle in your business or profession, you may need Business Auto Insurance. In many cases, the need for Commercial Auto Insurance is obvious. Taxis, Tow Trucks, Delivery Vehicles, Cable Installers, Lawn Care providers are just a few examples.  

What you say may be more important than what you drive. 

How important is it for you to have your Company’s name, a business logo, or your phone number on your vehicle? I want my brand information anywhere and everywhere that I can afford to have it. While that may be great for business, it is also the first place I go to assist individuals regarding the need for commercial insurance. When vehicles have advertisements, there is little doubt. The question of commercial insurance or personal insurance is almost always resolved. If you’re driving a car with a business name or logo on it, you will almost always need a Commercial Auto Policy.

I occasionally drive my personal vehicle in work-related activities for my employer. Do I need Commercial Auto Insurance?

Remember, Business Auto Insurance is more flexible because it covers both commercial and personal use of your auto. Personal Auto Insurance covers your vehicle only when it is being used for personal activities. 

Check with your agent before using your car or truck for any use other than personal.

Performing job-related duties while driving your car does not mean you need to run out and buy a Commercial Auto Policy. Your employer may have a more cost-effective solution. If you are asked to use your personal vehicle for work-related activities, you should first determine if the business has Hired & Non-Owned Auto Coverage in place. This coverage picks up what your personal auto policy coverage excludes. If you would like additional information on Commercial Insurance Policies or want to learn more about Hired & Non-Owned coverage, contact a TruePoint Commercial Specialist at (912) 330-1265.

Tips on how to adequately insure an RV

Posted on by admin

An Rv is not just a luxury vehicle, but a home on wheels. During your tours in Fisherville, KY, many things can happen, including a road accident. Have you figured out how much loss that would be if you didn’t have any form of insurance? 

Well, Rvs are pretty expensive. On top of that, they carry your valuables just like home. Speaking to an insurance expert in TruePoint Insurance can be a great idea as we will help you find out how much coverage is adequate for you.

Why do you need RV insurance?

We have already mentioned that RVs are like our homes on wheels, which means they carry a lot of value on the roads as well as when packed. While many states do not require drivers to have RV insurance, it makes sense to have a substantial amount of coverage in case anything happens to you out there. While they require ordinary driving skills, Rvs are bigger cars. You will need to make accurate estimations when driving or packing.

Factors that impact Rv insurance premiums

While insurance rates are different for every Rv owner, insurance companies use various criteria to calculate based on the information that you provide. Providing truthful information is a requirement as failure to do so can result in fines. Your Rv insurance premiums will be calculated based on the following factors:

  • The size of your RV
  • The age of the RV
  • Whether you are living in it or not
  • How long you will be using your Rv
  • Where you pack or store your Rv when not in use
  • Your location/address and many more

Your RV is a huge investment that needs to be protected at all costs. Large vehicles can cause significant damages and injuries to the parties involved. You don’t want to risk taking a tour in an uncovered car.

Do you need help buying Rv insurance? TruePoint Insurance can arm you with the right information to help you make a wise decision. Visit us at Fisherville, KY today.

Making Mobilehomes Safer

Posted on by Brad Smith
Can you make your mobile home safer?
Making Mobilehomes Safer

Mobilehomes are vulnerable to serious damage from winds and storms since they are smaller and much lighter than stick-built or factory built homes. It is important to use reinforcements to make them more stable; such as tiedowns.

Tiedowns come in two basic types; over-the-top tiedowns and frame anchors. Over-the-top tiedowns are straps that resist lifting forces and minimize tipovers. They are usually used with single-wide mobilehomes. Strapping is placed with over the top of the roof or over the structure’s sides. Frame anchors are reinforcements that resist lateral forces, making a structure less vulnerable to sliding off supports

In order to stabilize a structure, the tiedowns must be properly anchored to a foundation, slab or the ground. Anchor types include the following:

·         Hard Rock Anchor

·         Concrete Slab Anchor

·         Cross Drive Rock Anchor

·         Drive or Barb Anchor

·         Auger Anchor

·         Disc Anchors

Straps and anchors have to be used properly and they have to meet various standards such as placement of anchors, anchor fittings, method of installation and ground/site conditions. When anchored to the ground, it may be necessary to make test its suitability as an anchor. If piers and footings are used they must be able to meet various requirements regarding weight support, dimensions, material quality, pier placement and other areas. Straps and anchors also have to meet requirements in order to be depended on to withstand the stresses winds and other forces.

Use of tiedowns varies by state, state regulations and soil type. Local building inspectors and mobile and manufactured home builder associations are excellent sources for anchoring and tiedown requirement information. Use of that valuable information, along with insurance, is great methods for fully protecting a mobilehome.

COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

“Do I need Flood Insurance?” South Carolina and Georgia residents should start here.

Posted on by Brad Smith

 

How much do you know about Flood Insurance? Learn more here.
Learn about flood insurance before the waters start to rise.

Who needs flood insurance? Many residents of Georgia and South Carolina are exposed to flood risk. Those living in coastal areas are like to be more at risk. Consider the following:

  • River Road – It seems wise that anyone living on River Road should check in to flood insurance.
  • Coastal Highway – Another great clue that suggests there is a heightened risk for flooding.
  • Lowcountry – Since floods occur in low lying area, it’s probably wise to consider flood insurance if you live in a region known as the Lowcountry.

Anyone with Lender Requirement

Understanding mortgage requirements for flood insurance Flood Zone, Flood Zone C, Flood Zone A, Flood Zone X, Flood Insurance. Georgia Flood insurance, South Carolina Flood insurance
Does your home mortgage require flood insurance?

Your homeowner’s policy does not protect against flooding. For anyone needing protection from rising waters, a separate Flood Insurance policy is required. This policy will provide specific coverage if your home is damaged by a local flood.

Residents in Coastal Georgia and South Carolina may find that they are required to purchase flood insurance. This requirement is most likely come for a lender. Mortgage lenders know the potential impact of floods as well as which homes are at greatest risk. Due to this risk, borrowers with homes located in a FEMA identified flood zone will likely be required to maintain flood insurance.

Needs to Cover Against Risk

Where can i buy flood insurance, ky flood insurance, commercial flood insurance in Georgia or South Carolina or business flood insurance
Flood Loss versus Cost. You do the math!

FEMA flood zones are divided into one of many categories. These categories or buckets identified the flood risk as very risky or a Special Flood Hazard Area (SFHA). Somewhat lower-risk areas are considered Moderate Flood Hazards. There are two moderate flood hazard groups; Zone B and Zone X (Shaded). Finally, the areas that are exposed to potential flooding yet have the least risk are identified as minimal flood hazards. This grouping also has twp categories; Zone C and Zone X (Unshaded)

Even if the risk is small, you should still consider getting flood insurance. Everyone should consider buying flood insurance. This includes those without a mortgage, and those not required to have flood insurance.

When you are looking to learn more about flood insurance in Georgia or South Carolina, you should speak with the team at TruePoint Insurance. They will make work hard to make sure that your decision is as simple as possible.

Insuring A Mobile or Manufactured Home

Posted on by Brad Smith
Insuring a mobile or manufactured home requires an increased level of understanding.
Understanding Mobile and Manufactured Home Insurance

Insurers commonly provide coverage for mobile/manufactured homes by modifying a conventional homeowner policy with provisions called endorsements. The endorsements change key definitions and other elements of a conventional policy to fit a mobile or manufactured home situation. The result is a modified homeowner package that protects the home, outbuildings (unattached garages, sheds, etc.) and personal property. They also provide insurance for personal liability. Regardless of the type of home you own or live in, it is important that you learn about the coverage options that are available. You may find that different policies vary considerably in coverage and price.

Coverage for mobile/manufactured homes is generally offered using two approaches. Some policies include a laundry list of items (or perils) that may cause a loss. Other policies protect your home against everything EXCEPT for a host of specified perils. Either approach includes liability coverage that protects you for injuries or losses to others which you accidentally cause.

Property Insurance Needs

Mobile home, manufactured home, or modular home. You need to know!
Mobile, Modular, or Manufactured? Insurance need to Know.

Any coverage option you choose is likely to reflect the fact that mobile homes are, well, mobile. Therefore coverage is affected by the fact that mobile homes:

  • are able to move under their own power (or are capable of being easily transported);
  • are more susceptible to wind damage,
  • tend to lose value with age.

The mobility of such homes creates a special need to protect the financial interest of the business that lent the money to purchase the home. For example, a mobile home owner who lives in Ohio decides to drive his home to Arkansas. The soon-to-be Arkansas resident “forgets” to mention his plan (and his new address) to his Ohio Mortgage Company. The Ohio lender would be out of luck if the policy didn’t include protection for this whimsical act. Another way in which a mobile or manufactured homeowner policy differs from conventional homeowner coverage involves coverage for unattached buildings. This coverage is usually minimal for, say, $2,000. Such a provision helps keep the premiums for policies lower by avoiding paying claims on very low value structures. The coverage is likely to be offered on an actual cash value basis. Unfortunately, mobile and manufactured homes tend to lose value over time.

The policy is likely to include a provision that requires you to get permission to move your home. Once granted, you’re likely to get thirty days of special transportation protection for collision; sinking, upset or stranding (a special, higher deductible may apply during the move). Another common coverage feature is coverage for your attempt to move the home in order to prevent damage from an insured cause of loss. For example, you move your mobile home fifty feet to get away from a neighboring trailer that is on fire. IMPORTANT: coverage for moving endangered property usually has a modest limit (several hundred dollars is typical) because of owners who may be too heroic or clumsy for anyone’s good.

Liability Insurance Needs

The liability protection connected with mobile or manufactured homes is, for all practical purposes, identical to the liability provided to conventional home owners. Why? The likelihood of guests to be hurt at your home, or your probability of being sued, tends to be the same. The important thing to remember is that your agent is a tremendous source for getting the information you need to be sure that your home and property are adequately protected at a reasonable price.

COPYRIGHT: Insurance Publishing Plus, Inc. 2016

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Insuring A Trust

Posted on by Brad Smith
Insurance for a Trust account. Be sure to involve a insurance professional to make sure all bases are covered.

Homeowner and other policies that protect private residences have, for most of their history, been written assuming that the property owner is an individual or married couple. Policies traditionally defined an “insured” or covered person as an individual, married couple or spouse of the individual listed on the policy. However such policies had to respond to a, formerly, rare form of home ownership….trusts.

Besides use as a residence, a home is also often a primary financial asset. As property owners become more sensitive and savvy in handling their finances, the use of trusts to pass on property has expanded. A trust refers to any asset that is controlled or owned by an artificial entity, the trust agreement. Typically, the property owner becomes the trustee, having rights to use the home as a residence, but the legal ownership resides in the trust. The trust allows for tangible property to be passed along to heirs with much more for favorable tax treatment. However, there are consequences that affect insurance coverage and which should not be ignored.

If your home or personal property (furniture, furnishings, etc.) have been transferred into a trust, it is important to share this information with your insurance agent. Then you both may take steps to make sure that the insurance needs of both the trust and the property-users are covered. It is particularly important that liability protection remains intact.

Depending upon the insurer, your homeowner, auto and umbrella policies may have to be modified so that the trust arrangement is specifically recognized and is protected by the policies. It may be that the policy wording already handles things by including trusts or trustees within the meaning of “insured.” In other instances, endorsements may have to be added to include the proper additional insurable interest so that property and liability coverage expands to protect the property held in trust and the trustees.

The existence of a trust means you need to get an insurance professional involved to make sure you can still trust the protection of your various insurance policies.

COPYRIGHT: Insurance Publishing Plus, Inc. 2016+6

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Ready to Ride? Not Without Insurance

Posted on by admin
If you need insurance for a Harley or any other bike in Kentucky, Call TruePoint at (502) 410-5089 or visit are website at www.insuringky.com
Need insurance for a Harley in Kentucky?

If you’re looking to buy motorcycle insurance, you’ve come to the right place! Whether you need guidance choosing your first plan, are looking to upgrade your existing one, or just have general questions, the agents at TruePoint Insurance in Fisherville, KY are happy to help! With decades of experience in the industry, the agents at TruePoint Insurance are extremely knowledgeable and prepared to answer your questions. Here are a few tips to help you get started:

Know the Requirements: Motorcycle insurance is mandatory in Kentucky. Whether you just moved here or purchased a new bike, your motorcycle needs to be insured. Since rules and requirements vary by state, it’s important to know what is defined as a motorcycle in Kentucky. This includes the number of wheels on the vehicle, the size of the cylinder(s), etc. The agents at TruePoint Insurance have locations in Fisherville and Lawrenceburg, KY. If you’re a Biker in Kentucky, you will find them to be a valuable resource. Drop by either office and a TruePoint Insurance professional we help you pick the plan that is best for you and your bike while complying with state laws (1).

Kentucky's TruePoint Insurance has become one of the most trusted names ins motorcycle insurance. Find out why other's are placing their trust in TruePoint.
Call TruePoint for Kentucky Motorcycle Insurance

Meet the Minimum: In Kentucky, motorcyclists are required to carry (at a minimum) liability insurance (2). You will need additional coverage to protect the bike itself and for personal medical expenses (2). These options vary greatly and can include protection for damage not caused while on the road. The experienced agents at TruePoint Insurance will be able to explain these additional options to you.

Be Prepared for the Unexpected: Let’s face it – accidents happen. Purchasing insurance will give you peace of mind if you ever run into a bump in the road. Having served Kentucky motorcycle enthusiasts in the area for years, the agents at TruePoint Insurance know not only the basic requirements of motorcycle insurance but also the additional coverage that’s the most beneficial.

Don’t delay – call TruePoint Insurance for your perfect plan today!

Insurance – A Matter of Trust

Posted on by Brad Smith
What is insurance? It's not a good or product. Is it a service? Some might consider insurance a service, but I personally see it as a promise. A contractual promise that should only be entered into with trusted parties.
Insurance is not a product, nor is it a service. Insurance is a promise, a contractual promise that should be entered into with trusted parties.

Insurance policies involve trust. Insurance policies are written agreements that involve at least two parties. One is the insurance company that provides the applicable form of protection. The other is the party who is protected by the policy. These two parties have a contractual relationship with each other. The insurer agrees to protect the insured if the insured agrees to pay for the protection.

The trusting relationship begins before any policy is issued. Insurers want to provide policies to persons who meet their qualifications. Qualified persons are discovered by using applications. Besides collecting identifying information, applications also gather details that determine if a person is eligible for a given policy. The information also helps the insurer decide how much to charge for the coverage, what level of coverage it should agree to grant and the conditions for providing the protection.

The insured should also to be able to trust the insurer. He, she (or a business entity) has to rely on the company actually issuing the type of coverage it promises. The insured also trusts the company to pay for a loss (that is eligible under the coverage) and to handle any loss fairly and efficiently. Both parties must approach the contractual agreement honestly and fairly. The contract is affected if either party fails to act in good faith.

It is critical that you or someone you trust understands the details of your insurance policy.
Do you know the details of your insurance policy? Who does?

When an insurance company refuses to cover an eligible loss without a valid reason or when an insured refuses to pay for the policy; these are instances of breaking the contract. An insured may also break the contract if he or she either withheld information or intentionally supplied false information. Of course the information must involve some significant item that would have affected the company’s decision to accept the insured. Breaching a contract may allow an insured to sue a company for coverage or allow a company to void the policy it issued.

Whenever policies are not handled in good faith, there are consequences that impact more than just the two parties. Third parties, such as other businesses or persons, may also be harmed by insurance contracts that turn out to be invalid. Modern economies depend upon the role played by insurance contracts. It would be impossible to handle large transactions without a way to protect all parties against possible losses. Further, many parties would not even attempt certain types of transactions without the support of insurance, such as large building projects, major equipment sales, vehicle rentals and numerous other transactions.

Certainly there are many times when one party fails to handle their insurance obligations in good faith. However, such instances are the exception. Our economy and standard of living are made possible because most parties deal with each other honestly and we all benefit when that happens.

COPYRIGHT: Insurance Publishing Plus, Inc. 2016

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.