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.

New Homeowner? Why You Need a Home Inventory

In addition to protecting your Commerce, GA home, home insurance from Hyman Brown Insurance Agency Inc. protects your belongings against theft or loss due to a major disaster. A home inventory can help you keep track of your personal goods to facilitate making a claim and getting reimbursed for your loss. By making a home inventory as soon as possible after moving into your new home, you can protect your assets against any eventuality. Here’s why you need a home inventory.

To Get Adequate Insurance Coverage

A home inventory is a list of all your personal possessions to include clothing, jewelry, electronics, furniture, artwork, appliances, etc. This record makes it easier for you to choose the personal property coverage you need to fully protect your goods. You don’t want to be caught lacking in coverage for expensive items that are stolen or lost in a major catastrophe. You also don’t want to pay for extra coverage that you don’t really need.  

To Get Reimbursed for Your Loss

If your goods are stolen or lost in a disaster, your home inventory can be used as proof of ownership when it comes to making a claim so you can get properly reimbursed for your loss.

A comprehensive home inventory will include a list of your goods, a short description of each to include brand names, serial numbers, and receipts as well as photos or videos of large-ticket items to verify their value. This information will help expedite your claim. You should store a copy of your inventory outside your home so it’s not destroyed in the event of a fire or another catastrophe.

To learn more about home inventories or to obtain the right home insurance coverage for your Commerce GA abode, contact Hyman Brown Insurance Agency Inc. in Commerce, GA today.

3 Reasons You Need Boat Insurance in Commerce, GA

There’s no question that owning a boat can bring quite a bit of enjoyment to your life. However, because a boat is also a liability, it’s important to insure it to be certain you are fully protected in the event of an unforeseen issue or accident. The top reasons it is a good idea for you to purchase boating insurance from Hyman Brown Insurance Agency Inc. serving Commerce, GA can be found here.

Theft or Fire

Just like cars, boats can be stolen. If your boat is stolen or if it catches on fire, and you don’t have insurance coverage, you have no recourse to recover your losses. If you are still paying on the boat, you will have to continue to do so without the ability to replace what you lost. Insurance makes sure you and your boat are protected and minimizes significant losses related to theft or fire.

Boating Accident

Another reason to have boating insurance is to protect yourself in the event of a boating accident. Boating accidents can be severe, but all this is based on the type of boats involved, speed, and where the impact occurred. Insurance will protect you for damages to your boat, as well as other people’s property if the accident was your fault.

Physical Injury

If you own a boat, and take others out on it, you may be held liable if they suffer an injury while on board. This is something that a quality boat insurance policy covers. As you can see, there are several reasons to invest in boating insurance. If you need more information, contact Hyman Brown Insurance Agency Inc. Our professionals can help you get the coverage needed in Commerce, GA.

Does Your Car Qualify to Get Classic Car Insurance?

Do you have a classic car model, or think you have what could be considered one? If so, read on to learn how you can tell if your car will qualify for classic car insurance. You need all the coverage you can get when it comes to your prized vehicle in Commerce, GA from a trusted company like the Hyman Brown Insurance Agency Inc.

The Type of Vehicle 

Your car needs to be in one of three categories to qualify for classic car insurance:

  • Veterans – a car that was created on or before December of 1904
  • Edwardian – a vehicle manufactured sometime between January of 1905 and December of 1918
  • Limited – those vehicles that are a special interest, rare, or limited edition models

Be aware that not all those models produced in the early 1970s are considered classic. This only includes 2-door sports cars, specific 4-door sedans, vehicles that have unique shapes or big block V8 engines, foreign sports cars, and convertibles. 

Age Limitations

Most states require that a car is at least 15 years old to be counted as classic. States such as Massachusetts require that the vehicle is at least 25 years old. Some providers will offer coverage on cars that are less than 15 years old, such as ones that are incredibly exotic or rare. 

Usage of the Vehicle

Your car should not be used as your primary means of transportation. If you are using it on a daily basis, the value will depreciate and it will no longer be considered a classic car. Typically, there is a mileage restriction of about 5,000 miles per year. 

Background of the Driver 

Besides the age of the car, the age of the driver is important. Only individuals who are at least the age of majority may receive this auto coverage. Driving history and experience of the driver also are a part of the equation. 

Storage 

There are strict storage requirements for classic vehicles. For one thing, it must be parked in a highly secure, designated garage. Companies tell classic car owners to keep their classic vehicles in car storage facilities that are designed for securing car collections. 

Reach out to learn more about classic car insurance from the Hyman Brown Insurance Agency Inc. We’ve been serving the Commerce, GA area for several years, and would be pleased to assist you. 

Who will require commercial insurance?

Business owners have many different important decisions that need to be made. One important decision that you will need to make comes when you are shopping for a commercial insurance policy. While some owners may try to avoid paying for commercial insurance to save money, maintaining this coverage is often a requirement. If you do have your own business, there are a variety of organizations that will require you to have commercial insurance at all times. 

State

One organization that will require business owners in Commerce, GA to carry commercial insurance is the state. Similar to other states, Georgia will require you to carry workers compensation insurance to protect your staff. When you have this type of coverage, your employees will receive coverage if they are hurt while they are working for your business.

Lender Requirements

When you have commercial insurance, you will also be satisfying requirements set forth by your lender. If you have taken out a loan to finance part of your business, the lender will require that you carry commercial insurance at all times. Lenders require commercial insurance as it helps to ensure you are able to remain solvent if you are sued and it will protect their collateral.

Customers

Today, depending on the services you provide, your customers could require that you have commercial insurance before they accept your bid. This gives customers comfort that you will have insurance backing in the event you make a mistake and cause a financial loss when performing services. 

When you are shopping for insurance for your business, you should contact Hyman Brown Insurance Agency Inc. to learn more about your needs and options. The Hyman Brown Insurance Agency Inc. has helped many Commerce, GA businesses get into insurance policies that work right for them. 

3 Ways Home Renovations Affect Insurance Coverage

If you’re planning to renovate your Commerce, GA home in 2019, talk to your home insurance agent. Your project(s) could affect your home insurance coverage. An agent from Hyman Brown Insurance Agency Inc. can help you determine if adjustments to your policy are warranted to cover future renovation projects. Here are a few ways home renovations can affect your insurance coverage.

May Increase Home Value

Major renovations such as putting a new roof on your home or remodeling your kitchen can have a big impact on a home. A designer kitchen alone can substantially increase your home’s value. If the limits on your dwelling insurance aren’t enough to cover the new value of your home, you could suffer financial loss if your home were to be destroyed in an unforeseen disaster. By increasing your dwelling coverage, you can protect your home against the unexpected. You should also add home renovations to your insurance policy so that they are included in your coverage.   

May Reduce Insurance Costs

Home improvements that enhance the safety and security of your homes like installation of a home security system or upgrade of plumbing or electrical systems could make you eligible for a discount on your home insurance coverage. A home security system can reduce the risk of burglaries to protect your personal belongings. Upgrades in your plumbing and electrical system minimize the risk of flooding and fire. Before undertaking these projects, talk to your Hyman Brown Insurance agent to see if they qualify you for reduced insurance prices.

May Increase Insurance Costs

If you put in a new pool, you may have to increase your liability coverage due to the higher risk of accidents. Your liability coverage should be sufficient to protect you from a lawsuit if you are ever sued for damages. 

For comprehensive insurance coverage to protect your home, contact Hyman Brown Insurance Agency Inc. in Commerce, GA.

Why Renter’s Insurance Protects Landlords As Well

Residents of Commerce, GA who own property may not require their renters to purchase renter’s insurance policies. This mistake is one that can be very costly if something happens to a renter’s home. Therefore, we at Hyman Brown Insurance Agency, Inc. believe it is important for landlords to understand how renter’s insurance protects them as well as their renters.

Landlords May Have to Pay Some Relocation Costs

When a renter’s home is destroyed or damaged unexpectedly, a landlord may find themselves having to pay for their renter’s relocation costs. This need typically varies depending on the statutes of the state and the type of insurance policy the landlord owns. Unfortunately, their policy may not cover all of a tenant’s needs and open them up to lawsuits. Even if these lawsuits aren’t successful, they can be distracting and expensive to defend.

Renter’s Insurance Helps Prevent This Problem

Landlords who don’t want to suffer from this issue should encourage – or require – their renters to purchase an insurance policy for their home. These policies typically cost very little for the renter and can even be built directly into the rental cost to decrease their payment difficulty.

These policies will provide a renter with relocation costs, especially if the landlord’s policy no longer provides coverage. These benefits can help not only the landlord but the renter as well. Rather than getting into an annoying court battle, they can simply move on with their lives.

Finding Great Renter’s Insurance Policies

So, if you are a landlord concerned about having to pay for your tenant’s relocation costs in or around Commerce, GA, you should work with us to find great renters insurance policies. Contact us at Hyman Brown Insurance Agency, Inc. to learn more about these coverage options and which of them are right for your specific building and apartment complex needs.

Why Umbrella Insurance? Because You Never Know

Planning for the unexpected and unforeseen is hard. The right coverage and the right plan can make it less difficult to be prepared for the unknown, however, which is why umbrella insurance makes sense. Accidents are going to happen, and damages will also need to be dealt with from time to time throughout the course of our lives. Regardless of our efforts, our focus on being safe at work and play, and our preventative measures, we can’t account for everything and even when we do – some things are simply unpreventable. It doesn’t matter if you live on Mars or in Commerce, GA, accidents will happen.

The Safety Net You Need

Most people typically purchase an insurance policy with the obvious in mind. It is the consequences of those accidents, the aftermath of the unpreventable, and the secondary damages that often don’t or can’t be accounted for – outside of a safety net of course. In the insurance world, that safety net is known as the umbrella and umbrella insurance is there for all the things you didn’t see coming. The friendly professionals at Hyman Brown Insurance Agency, Inc. have seen many crazy things – and they are still surprised today at the unpredictable nature of accidents they find in the claims they handle. That is also why they are qualified to help you figure out what umbrella you might want the next time it rains without warning.

Serving Commerce, GA, and the surrounding areas

The people of Commerce, GA are more than clients, they are family at the Hyman Brown Insurance Agency, Inc., and they look forward to making sure you are prepared, even for the unknown. Contact us to find out how umbrella insurance can better protect your home or vehicle because you never know what might happen. 

Driving Drowsy-Signs You Need to Stop and Rest

It’s no secret that driving while intoxicated in Athens, GA is extremely dangerous, but did you know that driving drowsy is just as dangerous as driving while intoxicated? Although the effects of driving while drowsy vary from person to person, most fatigued drivers often experience short-term loss of memory and have slower reaction times while behind the wheel. Here are a few of the causes of drowsy driving and how to avoid driving while drowsy.

Common Causes of Drowsy Driving

Drowsy driving, also known as driver fatigue, occurs when someone is too fatigued to safely drive a motor vehicle, which in turn puts them, their passengers and others on the road in danger. Some of the most common causes of drowsy driving include:

  • Consuming drugs and/or alcohol
  • Using sleep aids or sedatives before driving
  • Lack of or interrupted sleep
  • Sleep disorders, such as narcolepsy or chronic insomnia
  • Working a schedule that affects your amount of sleep or the circadian rhythm
  • Driving for long periods without stopping for sufficient rest

Who’s at Risk for Drowsy Driving?

Although every driver is susceptible to driving drowsy, some groups are considered to be at a higher risk for drowsy driving, including:

  • Young drivers between the ages of 18-29
  • Commercial drivers
  • Late evening and overnight shift workers
  • Business travelers
  • People with sleep disorders

How to Prevent Drowsy Driving

There are several preventative measures you can take to reduce the likelihood of being involved in a collision resulting from driving drowsy, including:

  • Get plenty of sleep before getting behind the wheel
  • Travel with another driver
  • Use rest stops
  • Use of caffeine (will provide energy, but not a replacement for sleep)
  • Chew gum (stimulates senses)
  • Open the car windows to get fresh air
  • Listen to music
  • Drive during the day whenever possible
  • Don’t hesitate to stop for the night to sleep

Understanding your warning signs is critical in preventing a collision resulting from drowsy driving. For instance, if you are yawning, blinking frequently, or missing traffic signals, it is a sure sign that you need to stop and rest. Driving drowsy can result in a collision, and these types of collisions are often as serious as those that occur as a result of driving while intoxicated. If you are interested in learning more about the risks relating to drowsy driving, contact Hyman Brown Insurance Agency, Inc.

Residents of Athens, GA who want to learn more information about their current insurance policy or to upgrade your current policy, contact Hyman Brown Insurance Agency, Inc.