Is home insurance in Commerce a good investment?

Those that are in the Commerce, GA area should consider purchasing a home as ownership provides many long-term benefits. As you are looking to buy a home in this area, getting the right coverage is important. A home insurance plan in this area of Georgia can be a great investment for a few reasons.

Protection for your Assets

A reason that many in this area of the state will need to have insurance is that it can provide protection for their assets. Your home is a very important asset that you will want to enjoy for a long time. With the right insurance, you will know you are covered if there is a fire or other situation that causes serious damage. The same insurance plan can also offer you coverage for your personal assets, up to the limits set in the policy. 

Liability Support

Property owners are also going to have some liability risk that they should try to mitigate. If you have a guest over that is hurt, you could be held responsible and liable for any damages that they incur. While this can be a concern, you can offset it by getting the right insurance. With a home insurance plan, you are going to receive some liability insurance that will prove to be quite helpful in some situations. 

Owning a property in or around Commerce, GA can be a great housing option. Those that do purchase a home should ensure they have the right insurance. To do this, speaking with Hyman Brown Insurance Agency Inc. can be a great idea. The insurance professionals with Hyman Brown Insurance Agency Inc. understand the value that comes with this insurance, and they can help you build a plan that will offer the right coverage for both you and your property. 

Things that home insurance won’t cover

If you have a mortgage on your home, home insurance will be a requirement. It offers a lot of protection. It covers the physical building itself from many types of peril. It protects your contents and your assets. You might think home insurance protects you from every possible thing that can go wrong but that isn’t the reality. Every home insurance policy has exclusions. Forewarned is forearmed. If you know what isn’t covered, you can make other arrangements to protect yourself. At Hyman Brown Insurance Agency Inc. in Commerce, GA, we have been in business for almost 60 years. Our goal is to build a lasting relationship with all of our customers. 

Owner negligence

Insurance companies expect homeowners to maintain their homes. That seems like a pretty simple thing but it encompasses things you may not think of. If your roof needs to be replaced and you put off doing it, your insurance company isn’t going to pay for damage to your interior. If you have termites, you will have to pay for the damage since treatments to avoid infestations are available. 

Flood

Floods are one of the most prevalent natural disasters. They cause an immense amount of damage every year. They are also not covered by home insurance. If the flood origin is inside your home, that is another story but groundwater, no. If you live in an area prone to flooding, you can purchase flood insurance through NFIP, the National Flood Insurance Program. 

Earth movement

The term earth movement encompasses several types of earth movement, earthquake, mudslides, and sinkholes. All of these can cause unthinkable damage to your home. You can purchase insurance separately from your home policy to cover these disasters. 

If you live in or near Commerce, GA, contact Hyman Brown Insurance Agency Inc. for any insurance needs you may have. 

Choosing the Right Home Insurance: What to Ask Your Agent

When you buy a new home that needs insurance, or you want to adjust the insurance policy on your current one, you may have some questions about what options are right for your needs. With a quality home insurance policy, you can get the protection you’re looking for and have plenty of peace of mind, as well. You don’t have to decide on that policy alone. At Hyman Brown Insurance Agency Inc. you can get the help and support you need from knowledgeable agents who understand coverage requirements in the Commerce, GA area.

Asking your agent plenty of questions matters. For example, you want to know whether the policy you have — or the one you’re considering — is the right one for you. Too little coverage isn’t a good idea, but you can also have too much coverage. Additionally, you’ll want to be sure to ask whether there are riders or additions to your policy that will be a good idea, so you can include coverage for larger items, antiques, or other options that may not be typical in the majority of policies. When in doubt, ask your agent.

Don’t settle for less than quality and value with your home insurance coverage. If you’re in the Commerce, GA area, reach out to us at Hyman Brown Insurance Agency Inc. today and let us help you get your questions answered. That way you can find the right policy, and feel comfortable with the protection you and your home will have for the future. By working with a trusted and professional agent, and by asking plenty of questions about the policy options you’re considering, you can get an insurance policy that’s perfect for your home and your specific needs and lifestyle, as well.

How to protect your home against burglary

No feeling can be quite as sickening as coming home to find that a break-in has happened and that your valuables have been stolen. Hyman Brown Insurance Agency Inc serving Commerce, GA would like to explain how you can help secure your home against burglary.

Make sure that your windows and doors have effective locks. Also, make sure that your windows are covered with curtains and blinds.

Prune back trees and shrubbery that may provide breaking and entering artist cover as he goes to work trying to gain entrance to your residence. Make sure that your yard is clear of children’s toys and other debris. Store your automobile in the garage.

Make certain that the exterior of your home is well lit. While most burglars work during the day when most people are at work or at school, some will try to gain entrance under cover of darkness.

Invest in a good burglary alarm system. If a burglar is aware that a home is protected, he is more likely to hit a nearby residence that is not.

Make sure that portable valuables such as jewelry are out of sight, preferably in a locked safe.

When your family goes on vacation make sure that your mail and newspaper are held. Nothing says that a home is a prime target for burglary than accumulated mail.

When you are out of the house, consider leaving the television and/or radio on to give the illusion that someone is at home. Invest in motion-sensor-activated lights or program your Alexa device to control your home lighting while you are away if your home is Bluetooth enabled.

Get to know your neighbors. If a neighborhood watch has not already been set up, consider doing so.

For more answers about home insurance feel free to contact Hyman Brown Insurance Agency Inc serving Commerce, GA.

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.

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.

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 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.

When Should You Increase Your Home Insurance Coverage?

It is essential to have the right amount of insurance coverage for your home at all times. The policy you purchase for your home initially may not be enough to protect it if there are changes to the structure or other circumstances that cause the value of the home to increase or change substantially.

Increasing Your Home’s Coverage

If you decide to remodel or even create an addition to your home, you need to contact your insurance provider to begin steps to increase your homeowner’s insurance according to the value of the house once the improvements are completed. This is also true if you plan to add a sizeable separate structure such as a barn, large shed, or even a guest house.

Purchasing The Right Insurance

Not only is getting the right amount of insurance critical, but you also need to have high-quality, comprehensive insurance that is designed to give you the protection you need. If you live around the Commerce, GA area, you should contact Hyman Brown Insurance Agency, Inc. We have skilled professionals that can help you purchase the right coverage, and adjust the amount of coverage in the future as your needs change. They can also help you file any claims you have along the way to make sure you get back to healthy living. 

If you are a resident living in or around the Commerce, GA area, call or stop by Hyman Brown Insurance Agency, Inc. to get more information about different coverage options. Our helpful insurance professionals can work closely with you to help you avoid coverage gaps and keep you informed about terms and conditions of insurance policies.

Spring Cleaning Tips for those around Georgia

Spring has sprung, and for many, that means giving your home a thorough cleaning. You get to rid your home of any unused items and let the fresh air flow freely. If you don’t have homeowners insurance, it’s a good time to get a quote from Hyman Brown Insurance Agency, Inc. We serve Commerce, GA and the surrounding areas to give you options to protect you and your home in the event of a serious incident over spring, summer, or any time of the year. 

Your Closet

Your closet is a huge collector of junk. It’s easy just to shove all of your unwanted items in your closet, so they’re out of plain view. However, when it comes to cleaning, "out of sight out of mind" is a weak rule to follow. Take an opportunity to remove all the items you don’t want and take them to the trash. Form a separate pile for all the things you want to donate. Purchase storage containers and use them to store the items you still want. You’ll want to go through your clothes, shoes, and accessories, too. Get rid of anything you don’t wear and think about organizing your clothes based on color and style. Take time to sort all of your receipts and old bills. Anything that’s not relevant right now needs to be thrown out. 

Your Garage

Your garage is probably the most cluttered area of your home. Take advantage of the nice weather and start getting rid of all of the items you don’t use. Anything you haven’t used in the past few years are probably items you won’t use in the next few years, so get rid of them. 

Contact Hyman Brown Insurance Agency, Inc., serving Commerce, GA, and the surrounding areas, by calling or visiting our offices to receive a quote for a homeowners insurance policy this spring.