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Coosa Valley Financial Group

415 E 2nd Ave
Rome, GA 30161-3223

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Customizing Your Renter’s Insurance to Cover Your Needs

The renter’s insurance policy you purchase from Coosa Valley Financial Group provides blanket protection for all items you own in your Rome, GA home. A few special items might need extra coverage, such as your engagement ring or other valuable jewelry. To add an extra level of protection to these items, add a rider or add-on to your policy.

What are riders and add-ons?

In insurance, we offer two ways to add special coverage to an existing policy. You can add a rider, a clause in the insurance policy that covers a specific piece of property or a specific situation. You can add riders to most insurance policies. Coverage add-ons relating to homes typically cover structural elements.

Common Riders and Add-ons

You can typically add the following common riders for renter’s insurance.

  • At-home business rider: Add this rider to cover your business equipment if you operate a home-based business that generates at least $2,000 of annual income.
  • Identity theft rider: Adding this identity theft rider covers your legal costs and reputation repair costs if a criminal steals your identity.
  • Pet damage rider: A smart rider to add if you have pets or your home-based business involves pets; this pays for the cleanup or restoration of damage an animal causes to your home.
  • Replacement cost rider: Check your renter’s insurance because it probably includes coverage for actual cash value for covered items if they get stolen, lost, or incur damage. Adding this rider means instead of getting a check for the depreciated value; you get the replacement cost – what a new one would cost.
  • Scheduled property rider: A scheduled property rider pays full replacement cost for a high-dollar item listed explicitly as scheduled property. Many use this to insure engagement rings or expensive big-screen TVs with stereo systems and surround sound.
  • Swimming pool coverage: If you rent a home with a swimming pool, this add-on provides you with liability coverage for accidents occurring in or around the pool. Your landlord’s homeowners policy covers liability in public areas of the home, such as the front steps. Still, since the typical visitor to the home can’t hop the back fence and use the pool, you’d incur the liability for an accident, just as you would if your house guest slipped in the shower.

Contact Us for a Policy Review

Don’t let the items in your Rome, GA home go unprotected. Contact Coosa Valley Financial Group today to add helpful riders to your renter’s insurance.

How to Protect a Motorcycle From Theft

Protecting your motorcycle from theft is essential to keeping it safe and secure. As a motorcyclist, you know how crucial it is to take care of your two-wheeled ride and safeguard it from thieves. Fortunately, Coosa Valley Financial Group serving Rome, GA, offers various insurance plans to protect your motorcycle. However, there are multiple steps you can take to safeguard your bike from theft.

1. Installing an Alarm or Tracking Device

Tracking devices and alarms can be a significant deterrent to thieves. Alarms are designed to trigger a loud sound when someone attempts to steal your motorcycle, while tracking devices allow you to locate your motorcycle in case it’s stolen.

2. Park Your Bike Securely

Where you park your bike is vital in protecting it from theft. If possible, keep it inside a secured area, like a garage or storage unit. If that isn’t an option, park it in a well-lit area with plenty of foot traffic. Ensure you use a proper locking device and secure the frame to an immovable object whenever possible.

3. Invest in Comprehensive Insurance

Comprehensive insurance coverage provides the ultimate protection for your motorcycle. It covers the cost of repairs or replacement if your bike is stolen, vandalized, or damaged in a collision. Talk to a Coosa Valley Financial Group agent about getting the right insurance plan for your motorcycle.

4. Utilize a Heavy-Duty Lock

Using a heavy-duty lock on your motorcycle can make it more difficult for thieves to steal. Look for a U-style or chain lock with a built-in alarm, as these are the most secure options.

Protect Your Motorcycle With Proper Insurance

Taking the necessary steps to protect your motorcycle from theft is essential, but having the right insurance plan is also important. At Coosa Valley Financial Group, serving Rome, GA, we offer motorcycle insurance plans to suit your needs. Contact us today to learn more about our coverage options and get the right insurance plan for your motorcycle.

Why Should Retired People Have Life Insurance?

Residents of Rome, GA are not required to obtain a life insurance policy by law, though many choose to do so as part of their financial portfolio. This is often done after retirement. 

It is often the case that people retire while not yet having paid off all their debts, and they worry about the payments that will be left behind for loved ones. These can include credit card balances and mortgages on homes. 

For the duration of your employment history, it is likely your employer paid for indemnification, and now that you are retired, you must consider whether it’s a good investment. 

Loved ones, like spouses, may also be retired, living on fixed incomes, or have limited means. Some are parents who remain taking care of adult children with disabilities and buy life insurance as a means to provide for them. 

In addition to any existing bills, you may wish to alleviate the need for survivors to pay out of pocket for the expense of burial or estate taxes. Your Coosa Valley Financial Group representative can answer any questions you may have regarding details specific to your coverage. 

Student loan debt is another class of financial obligation that can be paid off with a death benefit, as are medical bills that are left over. Some retirees don’t have an ample nest egg in savings, and life insurance is one way to ensure descendants have a home and some money to live on. 

We Can Help

Coosa Valley Financial Group takes great pride in serving the Rome, GA area, and we look forward to working with you. Please contact us by calling, visiting us online, or stopping by the office. 

Do I need commercial insurance if I work from home?

With so many people working from home, you might wonder if you still need commercial insurance. After all, your business activities take place in your home in Rome, GA, not in a commercial space. However, there are a few questions that Coosa Valley Financial Group recommends considering.

First, consider the type of business you’re running. If you have customers or clients who come to your home for meetings or to pick up products, you’ll want to ensure you’re covered in case of an accident on your property.

You’ll also want to consider whether or not you have employees. Even if they don’t work in your home, they may still be considered "employees" for insurance purposes. If that’s the case, you’ll need to ensure you have workers’ compensation insurance to protect yourself in case of an injury.

Another thing to consider is whether or not your home-based business is growing. You may eventually need to move into a commercial space if it is. If that happens, you’ll want to ensure you have the right coverage in place from the start. Most commercial property managers require that you have commercial insurance as part of your lease.

There’s no one-size-fits-all answer regarding whether or not you need commercial insurance if you work from home in Rome, GA. It depends on factors such as the type of business you’re running and whether or not you have employees. However, it’s always better to err on the side of caution and maintain a policy even if you think you might not need it. If you need more information or have questions, contact Coosa Valley Financial Group. We’re here for you.

What To Look For in a Good Boat Insurance Policy

Owning a boat is a lot of fun. It’s a great way to spend time with family and friends, relax on the water, and enjoy the outdoors. But there’s one thing you need to remember when you’re out on your boat: accidents can happen. That’s why it’s crucial to have a good boat insurance policy in place. Here are a few things to look for when shopping for boat insurance.

1. Covered Perils

When looking at boat insurance policies, find one that covers the most common perils. These typically include things like fire, theft, and weather damage. Some policies will also cover you if your boat is involved in an accident. The more perils a policy covers, the better.

2. Coverage Limits

It’s also important to ensure that your policy has adequate coverage limits. This means that it should cover the full value of your boat. Otherwise, you could be left with a large bill if your boat is damaged or destroyed. Read the policy carefully to understand what is and isn’t covered.

3. Deductibles

Most insurance policies come with a deductible, the amount you must pay before the insurance company starts paying out. When you’re looking at boat insurance policies, make sure to compare the deductibles.

4. Claims Process

If you ever need to make a claim on your boat insurance policy, you’ll want to ensure that the process is as smooth and easy as possible. Find out how to file a claim and what information you’ll need to provide. The last thing you want is to be stuck dealing with a complicated claims process in the middle of a boat emergency.

Get Boat Insurance in Rome, GA

By keeping these things in mind, you can be sure to find a boat insurance policy that’s right for you. Coosa Valley Financial Group can help you find the perfect policy for your needs. Give us a call today to get started.

Why All Homeowners Need Home Insurance

If you are a homeowner, you know just how many responsibilities you have. One of these is to get a home insurance policy as soon as you buy your home and keep it for as long as you own it. Call us at Coosa Valley Financial Group to get started if you need a home insurance policy in Rome, GA. 

House Protection

When you own a home, the house generally represents your most significant investment and may be most of your wealth. If you don’t have home insurance, the house is not protected in case of a severe event. A home insurance policy gives the house coverage in case an event damages it. This may be certain accidents or disasters that cause damage to it. When you have home insurance, it will pay for the expensive repair work that you will need. 

Property Protection

Another form of protection you get from this policy is coverage for your belongings in your home. All these are extremely expensive when you add them all together, representing a significant investment. If a damaging event happened that destroyed your things or otherwise made them unusable, your home insurance could help you to replace them. With this coverage, you won’t have to start again without anything after a significant incident occurs. 

Liability Protection

Also covered by home insurance is your liability. When you have your liability covered, your home policy can pay for the medical bills that result from someone having an accident in your house. This can save you thousands and keep you from being sued. 

Get Your Home Policy

Never go without a home policy to protect yourself, your belongings, and your home. Call us at Coosa Valley Financial Group when you need a policy in Rome, GA.

What Are The Different Types Of Auto Insurance Coverage?

Auto insurance is something that every driver in the United States is required to have. But when choosing a policy, most people don’t know where to start.

There are so many types of auto insurance coverage available that it can be confusing to figure out what you need. This blog post will discuss the different types of auto insurance coverage available and what each one covers.

1. Liability Coverage

Liability coverage is the most basic type of auto insurance coverage. It covers bodily injury and property damage you may cause to another person in an accident. This type of coverage is required in almost every state.

If you are at fault in an accident, your liability insurance will pay for the other driver’s medical bills, property damage, and other expenses related to the accident. Liability insurance will also pay for your legal fees if you are sued.

2. Collision Coverage

Collision coverage is optional in most states, including Rome, GA, but it’s a good idea if you own a newer or more expensive vehicle. Collision coverage pays for damage to your car if you’re involved in an accident.

If you have collision coverage and are at fault in an accident, your insurance company will pay to repair or replace your vehicle. If you are not at fault, your insurance company will still pay to repair or replace your car, but they will also seek reimbursement from the other driver’s insurance company.

3. Comprehensive Coverage

Comprehensive coverage is also optional in most states, but it’s a good idea if you own a newer or more expensive vehicle. Comprehensive coverage from reputable agencies such as Coosa Valley Financial Group pays for damage to your vehicle that’s not caused by an accident. This includes damage from weather, theft, vandalism, and animals.

Types of Auto Insurance: A Guide

There are many different types of auto insurance coverage available. The coverage you need will depend on your vehicle, driving record, and budget.

If you are looking for Rome, GA auto insurance, Coosa Valley Financial Group can help. We offer a wide range of auto insurance options and can tailor a policy to meet your needs.

Life Insurance Helps Protect What You Value

For anyone looking for life insurance in the Rome, GA area, Coosa Valley Financial Group is here to help. With the right policy, you can get protection for the things in life that you value. You want to ensure your family is covered if something happens to you, so they have less to worry about. But you can only give them the right level of protection if you get a policy that meets their meets for the future. Working with a knowledgeable agent can help you do that more easily.

A trusted insurance agent can give you great information about the kinds of life policies that are offered. By asking questions and giving you information, they can help you decide how much coverage you need and the type of policy that will be best for you and your loved ones. Both of those issues are very important, and you don’t want to choose something random and hope it works for you when selecting such important coverage.

No one wants to think about what would happen to their family if they passed away, but it’s an important consideration. There are logistics to think about and plans you’ll want to put into place. With that in mind, talking to an insurance agent is the first step toward finding out what options you have and what decisions you need to make regarding term life or a whole life policy. Then you can make the right decision and have more peace of mind.

Reach out to us today at Coosa Valley Financial Group if you’re in the Rome, GA area and in need of a life insurance policy. We can help you find the right coverage to protect your family and meet your needs.

4 Ways Umbrella Insurance Provides Peace of Mind

If you live in the Rome, GA area and need information on umbrella insurance, Coosa Valley Financial Group can help. We understand that it’s very important to have the right type and amount of coverage. Without both of those areas being covered, you might find that you don’t feel as secure as you could. But getting peace of mind can be much easier when you choose an umbrella policy and have the level of coverage you feel good about. 

4 Ways Umbrella Insurance Provides Peace of Mind

1. An umbrella policy adds additional asset protection: You have policy limits on your home and auto coverage, that can only increase to a certain level. But an umbrella policy goes beyond that.

2. More coverage can mean more freedom to live life: When you have strong insurance coverage you can take more risks and have more experiences, knowing that your assets will be protected.

3. Umbrella coverage can protect an entire family: In many cases, the umbrella protection you have will extend to everyone in the household. That adds more security and comfort to everyone you love and care about.

4. Adding more coverage with an umbrella policy is easy in most cases: It can often be much more effective to get an umbrella policy instead of increasing the limits on the other policies you have for your home and auto.

To get umbrella insurance in the Rome, GA area, reach out to Coosa Valley Financial Group today. We’re here to help make sure you’re getting security, peace of mind, and the kind of protection you and your family deserve. With proper umbrella coverage, you can worry less and spend more time focused on the things you enjoy. Reach out to us today, and let us help you find the right umbrella policy for your needs.

4 Areas Covered by RV Insurance

Undertaking a road trip with an RV is a breathtaking experience. Unfortunately, RV owners in Rome, GA can bump into unanticipated eventualities on the road. In light of this, anyone possessing a recreational vehicle should comprehend the importance of acquiring RV insurance from Coosa Valley Financial Group. When you buy RV insurance, here are the four key areas covered by this coverage:

Personal belongings

Since you use your RV as a home, it’s not uncommon to have several assets in your vehicle. RV insurance covers damages and loss to your belongings, easing your financial burden.

Liability protection

When you are legally responsible for the injuries and property damage you inflict on others through an accident, it can easily mess up your finances. Fortunately, if you have liability insurance in your RV policy plan, it comes to your rescue by covering third-party-related costs.

It covers the RV’s physical damage.

RVs are very costly to purchase and sometimes cost as much as your apartment. Purchasing comprehensive or collision policies from Coosa Valley Financial Group for your RV repairs or restoring your RV after physical damage lessens your financial burden.

Covers medical expenses

Including medical payments (MedPay) coverage in your RV insurance assists you in settling medical costs for you and your passengers for bodily injuries suffered after an auto accident. Since medical bills can be costly, RV insurance helps take care of your health even when you don’t have cash.

RV insurance to the rescue

Are you seeking RV insurance in Rome, GA? Don’t hesitate to contact Coosa Valley Financial Group insurance. We offer affordable and customized RV insurance that meets your lifestyle, budget, and other needs. Please call or visit us today, and you won’t regret it.