Mistakes To Avoid When Purchasing Renters Insurance

Hyman Brown Insurance Agency Inc. offers different insurance policies to the Commerce, GA community and the surrounding areas. We strive to take of our clients’ insurance needs at an affordable price. Our goal is to develop long-lasting relationships with all of our clients.

Mistakes To Avoid While Researching Renters Insurance

Hyman Brown Insurance Agency Inc. understands that Commerce, GA is a popular area. Many people have taken note of the emerging economy in the area, leading to more homes and apartments being built. In order to protect your investment, consider purchasing renter’s insurance. As you go through the process of finding the right policy for your needs, avoid some of these common mistakes.

Not Preparing For Worst-Case Scenarios

Often times, many people neglect renters insurance because they believe that their property has a good security system. However, renters insurance does more than protect people in the event of a burglary. Renters insurance covers vandalism, fires, water damage, and other scenarios. Renters insurance allows you to be prepared regardless of the situation.

Neglecting Mold

Having renters insurance will help cover any mold damage to the property. Mold is a common issue throughout the South and other places, so having a renters insurance policy can be a real asset.

Thinking That It’s Not Necessary If You Don’t Have Expensive Items

While you may believe that you don’t have any valuable property, if someone stole all of your possessions, it would likely be very expensive to replace everything. A renters insurance policy would cover all of your lost possessions. That would ease some of the burden of having to replace your electronics or clothing.

Our Agents Will Assist You

At Hyman Brown Insurance Agency Inc. we will work with you to find coverage that fits your needs. For more information, head to our website.

What Small Business Owners Need to Know About Commercial Insurance

If you are a small business owner, you know how important it is to protect your business and your investment. Most business owners know they need "commercial insurance," but few business owners understand what is or is not covered in their policies. At Hyman Brown Insurance Agency Inc. serving Commerce, GA we love educating our clients and future clients on what they need to know to make the best insurance choices. 

What Is Commercial Insurance?

Commercial insurance is a generic term used to describe insurance policies that protect businesses. In many cases, commercial insurance is simply liability insurance to cover incidents that could take place on your business property. These types of policies are hardly adequate to cover the many types of liability that a business owner can be at risk of. It is good to dig deeply into insurance policy coverages to make sure you are fully protected. 

What Types of Coverage Do I Need?

In most cases a business owner will want to cover three bases of insurance protections. Property insurance will cover both your equipment on your property as well as the premises of your business. Worker’s compensation insurance will protect your workers in the event they are injured while performing their work duties. The last type of insurance coverage you will need is commercial liability insurance. This coverage protects you in the event that a third party is injured at your place of business or as a result of your goods or services. 

How Much Coverage Do I Need?

Determining the amount of commercial insurance you will need is dependent on the number of assets you have to protect, as well as the risk factor your business poses. Speaking with an insurance representative is the best way to determine how much coverage you will need. 

If you would like to learn more about commercial insurance, please call our staff at Hyman Brown Insurance Agency Inc. serving Commerce, GA today. 

Home Insurance in Georgia

Although home insurance is not mandatory by law in the state of Georgia, several situations do make it necessary to have one. For example, mortgage lenders will require you to have the mortgaged house insured. Home insurance does not just cover your house but it can also cover any lawsuits related to the house such as a house guest’s medical expenses in case of an accident.

There are several factors that are considered when choosing a home insurance policy. The location of the home is extremely important as certain regions are more prone to harsher climate or flood. The age of the house is also important as older houses are more susceptible to damages especially structural and plumbing issues. The roof and the basement of a house are often the most easily damaged part of the house therefore the age of the roof and the basement is going to be very important factors. The proximity to the coast is another consideration. You must also carefully consider if you need flood or earthquake insurance to provide additional coverage on top of home insurance.

A local licenses insurance agent can guide you through all the complexities of home insurance and if you need any additional type of insurance. They will also educate you on the rules and regulations of the state of Georgia. They can also handle all the paperwork for you. The greatest benefit of going through an insurance agency is the peace of mind you will get by knowing that you took an informed decision. Hyman Brown Insurance Agency Inc. serving Commerce, GA is one such agency. The best way to get in touch with Hyman Brown Insurance Agency Inc. serving Commerce, GA is to give them a call. The phone number is available on their website. Get in touch now.

What Renters Insurance Covers

Many apartment owners now require that their residents carry renter’s insurance. This is actually good protection for the lessee.  If there is a fire or other disaster that damages or destroys the building, residents with coverage will be protected. The apartment owner has property insurance to cover the physical building but it doesn’t cover the furniture or personal belongings of any of the residents.  Many don’t understand this very important point. In the Commerce, GA area, the team at Hyman Brown Insurance Agency Inc. can help you get the coverage you need.

Renter’s insurance is a very affordable policy that will protect your belongings.  Disaster protection aside, it will also cover items when you are away from home.  Should your computer be stolen or vandalized at a local cafe, it will still be covered.  It will also cover items damaged by an electrical fault or damaged pipes.  While the policy provides a lot of protection, it won’t cover items damaged in a flood event or neglect.  When you purchase a policy, create a comprehensive inventory of your possessions so that they will be documented if you need to make a claim.  That’s a lot of protection from a reasonably priced policy.

At Hyman Brown Insurance Agency Inc., our team works with apartment renters throughout the Commerce, GA area.  We know that you want the most comprehensive renter’s insurance coverage for a price that you can afford. Visit our website for general information to get you thinking about what you need.  Then call or come by our offices to visit with an agent.  We’re able to answer your questions and explain your coverage options.  Your stuff is important to you so it’s never too soon to protect it and yourself.  Come see us today for the coverage you need!

Does My Commercial Insurance Cover Shoplifting?

Business owners in Commerce, GA understand that they need to be vigilant when it comes to protecting their retail business from financial loss. Shoplifting is one of the main ways a retail store loses money over the course of a year. The agents of Hyman Brown Insurance Agency Inc. work with their clients to help find ways to reduce their overall risk and prevent financial loss.

Shoplifting vs Theft

While shoplifting is normally not covered by a commercial insurance policy, theft is. Shoplifting often occurs during business hours without anyone even realizing it is occurring, therefore it’s hard to file a claim on that type of loss. Theft, on the other hand, often occurs after regular business hours and often results in thousands of dollars’ worth of merchandise being lost.

Keep An Accurate Inventory

As a retail business owner, it is up to you to maintain an accurate inventory of everything you buy and sell through your business. Most business owners take a yearly inventory once a year and then maintain a running inventory throughout the year. This gives you an accurate representation of how much you may be losing over the course of the year to shoplifting.

At Hyman Brown Insurance Agency, the agents work with business owners in Commerce, GA to assist them in finding ways to protect themselves from financial loss. This includes installing surveillance cameras and alarm systems to help monitor exits and prevent shoplifters from removing merchandise from the store. If you have concerns and want to learn more about protecting your business, contact an agent today! They can evaluate the security measures you have in place and offer advice on how to keep your risk of loss as low as possible. 

 

 

Home Safety Tips to Prevent Accidents Over the Holidays

Holiday celebrations are the highlight of the season. At the same time, a house full of guests increases the risk of holiday accidents. The following safety tips from Hyman Brown Insurance Agency Inc. in Commerce, GA can help prevent accidents so you can enjoy the season to the full.

Safety in the Kitchen

Too many cooks in a small environment could be a distraction, leading to accidental cuts, burns or even a kitchen fire. It’s best to have fewer people in charge of meals to reduce the risk of accidents. Don’t leave the stove unattended when cooking and keep young children out of the kitchen during meal prep.

Fire Prevention

The kitchen is not the only place that poses a risk of fire. Frayed or overloaded light strands could cause sparks to catch your tree and surrounding presents on fire. Before putting up Christmas lights, make sure all strands are in good condition.

If you’re using real candles in your celebrations, keep them well out of the reach of children and clear of curtains, carpets or other items that can catch on fire.

If you have an artificial tree, make sure it’s fire-resistant. Keep your natural tree watered at all times to keep it from drying out and becoming a fire hazard.

Make sure your smoke alarm has fresh batteries and that there’s a working fire extinguisher within easy reach in the event of fire.

Precautions Against Slip and Falls

Declutter entryway and living spaces to provide ample space for people to move about freely. Remove throw rugs as they can cause elderly guests to trip or slip and fall. Keep living spaces well-lit to avoid accidents.

Make sure your home insurance is up to date to protect you against the risk of holiday accidents. If you have questions concerning your coverage, call or visit us at Hyman Brown Insurance Agency Inc. in Commerce, GA.

How do I know how much renters insurance to get in Commerce, GA?

There are a lot of great reasons to rent, such as the convenience of having someone else maintain your property and knowing that if something breaks, you won’t be responsible for fixing it. If you do rent in Commerce, GA, you probably already realize how important renters insurance is. Even if your landlord doesn’t require you to prove you have insurance, failure to carry insurance could be disastrous if anything ever happened. You could lose all your belongings in a fire or burglary, and without insurance, you would have to replace them with money out of your own pocket.

But the biggest question you probably have when you call Hyman Brown Insurance Agency Inc. is how much insurance you actually need. You don’t want to pay more than you need to, but you also don’t want to find that your policy doesn’t offer enough protection. Renters insurance is surprisingly inexpensive, so it won’t really hurt if you overestimate your needs a little.

You can probably find a policy for less than $200 a year, even if you ask for coverage to suit your needs. There are several things you want to consider when deciding your policy limits:

  • How much is your personal property worth? You aren’t responsible for the building structure itself, but you will need to insure your clothing, furniture, rugs, personal appliances, and cookware. You should also add in your television, movies, and other entertainment items, and keep the serial numbers somewhere safe.
  • How much liability insurance are you comfortable with? Renters insurance will also protect you if someone visiting you has an accident. 

Renting in Commerce, GA is great, but make sure you’re protected. If you need a new policy or just have questions about an existing policy, please call Hyman Brown Insurance Agency Inc. today.

How can Umbrella Insurance Protect You

Having adequate personal insurance is very important. For most people, this means having a quality home and auto insurance policy. However, there are many situations in which having additional liability insurance coverage could make sense. For many people that are in the Commerce, GA area, having a full umbrella insurance policy could be beneficial as it can provide you with additional protections.

Gives Additional Liability Coverage

One of the advantages of having umbrella insurance is that it will give you additional liability coverage. If you have a home or auto policy, you will have a certain level of liability insurance in your name. However, in some situations, the coverage that you receive may not be enough to handle certain situations. If you are found at fault in an accident that causes serious damage, you will need even more coverage. In these situations, an umbrella policy will be beneficial as it will give you additional liability coverage.

Covers Other Situations

While a home or auto policy can provide you with valuable coverage, they will not give you coverage for all situations that could lead to liability. To ensure you are properly covered, having an umbrella policy is very important. An umbrella insurance policy will give you coverage for virtually any situation in which you are found to be liable.

If you are in the market for a new umbrella insurance policy in the Commerce, GA area, you should reach out to Hyman Brown Insurance Agency Inc. The team at Hyman Brown Insurance Agency Inc. knows all about the benefits that are provided with a quality umbrella insurance policy. They can help you to better understand the benefits that come with umbrella insurance and get you into a policy that provides you with coverage and peace of mind.  

 

Why Should You Maintain Full Coverage On An Older Vehicle?

Auto insurance is one of the best tools you can have to protect you from losses to your vehicle both on the road and when you are parked. Even if you have an older vehicle, you may still want to maintain your auto insurance coverage above the legally required level of liability. 

Maintaining Full Coverage

Although full coverage insurance may be tempting to drop on an older vehicle, there may be some instances where it is better to keep it. If your older vehicle is your main mode of transportation and you are not prepared to replace that vehicle out of pocket, you may want to keep your coverage to prevent having to replace it out of pocket. In addition, you’ll want to obtain specialty coverage for classic cars that have a higher value. Work with a trusted insurance agency to outline your needs and get the policy coverage that suits your situation.

Work With A Trusted Agency

Finding a good agency that has trusted, experienced agents is the first step towards obtaining the right level of coverage for your older vehicle. People who live near the Commerce, GA area can count on Hyman Brown Insurance Agency Inc. for their vehicle insurance needs. They are dedicated to helping their clients get the policy options they need to feel secure on the road. 

If you have questions about coverage for your older model vehicle and live in the Commerce, GA area, you should call or stop by Hyman Brown Insurance Agency Inc. to get the answers to your questions and discover which high-quality insurance products will work for your situation. 

Does Commercial Insurance Cover Patron Injury?

 Commercial insurance is something that all business owners need in order to make sure that their business, their patrons and their employees are all safe. That being said, commercial insurance covers more than you might imagine and taking the time to find out just what your policy covers is a must. For those in the Commerce, GA area, the agents with Hyman Brown Insurance Agency Inc. can help you to find the policy that works for you.

Commercial insurance does cover the cost of injury to your patrons. Commercial insurance is put in place to help make sure that if something does happen, you are able to fall back on that coverage to help cover the costs rather than having to pay for it out of pocket. Commercial insurance covers injury to your patrons but only if the injury is an accident and not out of neglect on the part of the business owner. If you are aware that there is an issue and you do not remedy it, you are liable for the injury and must pay it yourself. If the injury is accidental, you will be able to get coverage from your policy.

You can choose different coverage types, levels and more to help make sure that you are fully covered and that your patrons are protected when they come to your business. A good commercial policy is the best way to make sure that you are covered and that if something does happen, you are able to recoup your losses and get everyone back in great shape. For those that are in the Commerce, GA area, the agents with Hyman Brown Insurance Agency Inc. can help you to find the policy that works best for you and that is going to protect your patrons most.