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Coosa Valley Financial Group

415 E 2nd Ave
Rome, GA 30161-3223

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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.


I Am a Renter, Not a Homeowner. Do I Still Need Insurance?

It’s a common misconception that only homeowners need insurance. In fact, renters need coverage too in case of theft, fire, or other disasters. Here’s what you need to know.

Do You Really Need Renters Insurance?

The answer to that is a resounding yes! Renters insurance is just what it sounds like: insurance to help you and your stuff in case of theft and disasters.

When you rent a home or apartment, your landlord usually has an insurance policy that covers the unit’s structure (walls, floors, roofing) but not any of your possessions. Even if you don’t own much, there’s still a lot of stuff to lose in the event of a fire or other catastrophe.

What Renters Insurance Covers

What renters insurance covers varies by policy but generally falls into three categories: personal property, liability, and additional living expenses.

Personal Property Coverage

This coverage reimburses you for your loss of personal belongings due to theft or damage. For example, say your TV was stolen from your apartment. You would be able to file a claim with your renter’s insurance company to be reimbursed for the value of the TV.

Liability Coverage

This coverage protects you if someone is injured at your residence and decides to file a claim against you. It also covers any legal fees associated with such a claim.

Additional Living Expenses Coverage

This reimbursement helps cover your additional living expenses when your place is being repaired after a covered loss (e.g., fire, water damage). This added coverage can help lessen the financial burden in cases where there is extensive damage.

Need Insurance in Rome, GA?

Renters insurance is vital for protecting your personal belongings and finances in the event of a covered loss. Coosa Valley Financial Group can help you find the renter’s insurance plan that is right for you and that fits into your budget. Call us today to learn more.

What Is Motorcycle Insurance?

Have you recently purchased a motorcycle and wondered about insurance? The Coosa Valley Financial Group serving Rome, GA would like to tell you just what motorcycle insurance is.

Motorcycle insurance is simply a type of auto insurance tailored specifically for motorcycles. There are two main categories of motorcycle insurance. One category is a liability, and the other category is physical damage insurance. Sufficient liability insurance is essential in GA because it is a tort state, meaning the driver at fault will be held responsible, which is often very expensive.

Motorcycles, unlike mopeds, are not exempt from mandatory auto insurance. Therefore, whether you own or lease the bike, you will be required to carry two specific types of liability insurance. These insurance policies are bodily injury liability insurance and physical damage liability insurance. They mitigate the expenses incurred when you are at fault for an accident or collision that may have caused someone bodily injury or damaged their property. Motorcyclists are required to carry proof of insurance with them.

A motorcycle can be a valuable asset. There is comprehensive, and collision motorcycle insurance for if you are involved in an accident, and your motorcycle needs repairs (collision), or your motorcycle is stolen or deliberately damaged (comprehensive).

If you are an automobile owner, adding your motorcycle to your standard auto insurance policy or specifying a separate policy is worth considering. 

A motorcycle is a vehicle made to be enjoyed, so if you want to or have purchased a bike, then contact the Coosa Valley Financial Group serving Rome, GA today! Allow them to help you weigh up your motorcycle insurance options, put your mandatory insurance policies in place, and then you can drive away to enjoy the freedom you deserve!

5 Reasons you should Invest in Life Insurance

Death is an inevitable natural occurrence that can strike anytime and anywhere. Such uncertainties warrant a solidified strategy to plan your future finances. Is there a better way of securing the things that matter in life than life insurance? Procuring life insurance from Coosa Valley Financial Group in Rome, GA prevents your family and dependents from facing financial difficulties when you pass away. And that’s not all. There are numerous reasons to invest in life insurance. Let’s explore.

Life insurance death benefits are tax-free

If your unexpected demise strikes when your life coverage is active, the insurer gives your beneficiaries lump-sum death benefits. Therefore, these death benefits are exempted from taxation, and your heirs don’t have to report them when filing their returns.

Life insurance can supplement one’s retirement benefits

If you buy a whole or universal policy from Coosa Valley Financial Group, it accumulates cash value that you can use to supplement your retirement income.

To pay for final expenses

Organizing a funeral isn’t cheap. If you haven’t left any savings to meet your funeral expenses, it can burden those you leave behind. That said, life insurance can help lessen the burden of fulfilling your last wishes.

Safeguarding your beneficiaries

The sole aim of buying life insurance is not to your advantage but to your family’s financial shield. How many people depend on your financial support for their livelihood? If so, life insurance from Coosa Valley Financial Group is a vital tool to restore your income if you die. This consideration is essential for parents of young children or adults who would find it challenging to withstand their living standards if they no longer have access to the income provided by their sole winner.

To cater to debts and other impending expenses

When you die, your debts won’t disappear. Well, your federal student loan can be discharged, but private student loans, mortgages, and car loans will be passed on to your cosigners. As such, you need life insurance to clear your debts when you pass away.

Did you know that you can donate more in your demise than when you are living? Life insurance cushions your heirs, business, and charity organization after your death. Please call or visit Coosa Valley Financial Group in Rome, GA to get life insurance that suits your needs and budget.

Do I need to get motorcycle insurance in Georgia?

People that are in the Rome, GA area are going to find that owning a motorcycle in this area is a good idea. With warm weather most of the year, it is a practical, fun, and efficient way to get around the community. If you are looking for a motorcycle, you also need to choose a new insurance plan. You should get motorcycle insurance for several reasons. 

Comply with Obligations for Insurance

A good reason to have motorcycle insurance in this part of Georgia is so you can comply with any insurance obligations. Those who choose to own and operate a motorcycle are likely going to have various insurance requirements. Any motorist on the road will be required to maintain liability coverage and those that have a loan secured by the motorcycle will need to comply with lender requirements. 

Receive Valuable Protection

While it is important that you strive to comply with any requirements for your motorcycle insurance, you also will want this coverage as it will provide you with great protection. With motorcycle insurance, you are going to have access to collision and comprehensive support that will provide you with reimbursement for many forms of loss including theft or accident damage. With this coverage, you also can receive liability support that will provide you with support if you are liable in an accident.

Getting the right motorcycle insurance plan is always important for those in the Rome, GA area. When you are looking for protection here, calling the Coosa Valley Financial Group can be a great idea. There are a lot of choices to make when looking for coverage and the Coosa Valley Financial Group can help. This team will offer any support you need to evaluate your options and build a new plan. 

Life Insurance Options to Choose From

There are many reasons to have a life insurance policy in place. While no one wants to think about passing away, living with a great sense of peace of mind and knowing that your loved ones are protected financially in the event of your death is very important. There are many different types of life insurance policies and the insurance agents at the Coosa Valley Financial Group in Rome, GA, and the different options that you can choose from for your life insurance policy.

Types of Life Insurance Policies

While there are many different life insurance policies available, there are three types that are the most common policies for people to obtain.

Universal Life Insurance

This type of policy is a very popular option because it comes with an investment-type savings account piece to it. It is also a permanent life insurance policy which is important to a lot of people. You can borrow from this policy while you’re still alive to pay off debts, such as your home mortgage and credit cards before you pass away. This will provide you and your family a sense of relief in knowing those bills will not have to be dealt with in the event of your death.

Term Life Insurance

A term life insurance policy is only paid out if you pass away during the term that the life insurance policy is in place. You can sign up for a term of one year to 30 years or more but once the term expires, you have to renew the policy to start a new term and it could be at a much higher premium. You cannot borrow money from this type of policy like you can with universal life insurance.

Whole Life Insurance

A whole life insurance policy is referred to as a permanent insurance policy and will pay a death benefit to your loved ones when you pass away. There are three major types of whole life insurance that include variable universal life, universal life, and traditional whole life for you to choose from with the help of an experienced life insurance agent.

To get your life insurance policy starting, contact the experienced and knowledgeable agents at the Coosa Valley Financial Group in Rome, GA for an appointment today!

Commercial insurance FAQs

Given how risky it is to own a business, you would think that every business would have commercial insurance. Unfortunately, that isn’t true. About 40% of businesses don’t have commercial insurance. When a business is hit by a peril, it stands a good chance of not surviving if it doesn’t have commercial insurance. At Coosa Valley Financial Group in Rome, GA, we are independent insurance agents who work for our customers to find the right coverage for their business. 

Can my commercial insurance be customized?

Yes, commercial insurance policies are individually customized for individual businesses so that you pay for the types of coverage you need and don’t pay for things that won’t benefit your business. We sit down with our clients to come up with a policy that is effective and affordable. We have access to some of the best carriers in the business, which give our clients the best choices. 

If I rent my business location, do I need commercial property insurance?

Yes, commercial property insurance covers a lot more than just the physical building. It covers your tools, machinery, office equipment, raw materials, and inventory. It protects all the things you need to conduct business. It can be a business saver.

What commercial insurance do I have to have in Georgia?

In Georgia, you are required to carry two types of commercial insurance; workers’ compensation, and commercial auto insurance. All businesses with three or more full or part-time employees must provide workers’ compensation coverage. If your business owns a vehicle, you must carry 25/50/25. That is $25,000for one person hurt in an accident caused by your business vehicle with a total for an entire accident of $50,000 for injuries. You also must have $25,000 in property damage coverage. 

In Rome, GA, you can count on Coosa Valley Financial Group for all your commercial insurance needs. 

Rome, GA: find a lawyer for a boating accident.

With several lakes and other bodies of water in and around it, Rome, GA, offers plenty of opportunities for pleasure boating. However, if you become injured or involved in a boating accident, could you defend your rights by yourself?

As a layperson, you might find it difficult to defend your rights on your own. Instead, the best advice would be for you to lawyer up. Find a lawyer specializing in boating accidents because boating accident lawsuits are complex, even more than auto accident lawsuits. Good lawyers are expensive, so you also need the proper insurance to protect you from unexpected, eye-watering expenses, which is where Coosa Valley Financial Group can help.

To find the best lawyer for a boating accident, take these steps:

  • Find a Rome, GA lawyer specializing in boat accidents. She will assess the case and see if you should sue for compensation. The lawyer will also arrange a settlement with the other party where possible.
  • The lawyer will steer through the legal process, so you avoid costly mistakes on procedural errors.
  • Book an initial consultation with the prospective lawyer. At the meeting, check that she is a specialist in boating accidents to represent you properly. Don’t hire a general practitioner or a lawyer who does not have experience in boating accidents.
  • Consider the lawyer’s experience. An experienced lawyer will usually get the best results.
  • Hire a lawyer with whom you are comfortable. Don’t "try to work with" a lawyer who makes you uncomfortable. Go with your gut feelings.

Finally, remember, a boating accident doesn’t have to ruin you. Talk to us at Coosa Valley Financial Group to see how boating accident insurance can help you.

Is having home insurance in Rome needed?

When you are in the Rome, GA area, owning a home can be a great option. There are a lot of long-term advantages that come with property ownership including having a consistent place to call home and enjoying price appreciation over the years. If you are going to purchase a home when you are here, getting the right insurance coverage is a great idea. You will need to have home insurance for a few reasons.

Coverage Needed to Protect Home

A reason to have home insurance in this area of the state is that it will cover your home. If you are going to buy a proper in this part of Georgia, you will want to know that it can last. With a home insurance plan, you will get coverage that can be used to repair your property if you incur various forms of damage. This can include protection against the risks of fire or bad weather damage. 

Insurance Typically Required

You should also get this protection as it is often required by most property owners. If you want to purchase a home, you will likely take out a mortgage to finance the purchase. Your home also may be located within a home association community. In either case, you will need to carry home insurance at all times to ensure you stay in compliance with various requirements. 

When you are in the Rome, GA area and need to protect your property, getting the right insurance is important. As you are looking for a new plan, speaking with the Coosa Valley Financial Group is a great option. The team with the Coosa Valley Financial Group can offer you a lot of support that will help you build a plan and ensure your home remains properly covered. 

Understanding Georgia Auto Insurance

People buy car insurance aiming to protect their car and themselves when accidents occur. Auto insurance lessens your financial burden when the unthinkable happens. While many people understand that auto insurance is essential, most don’t know what it covers and the different coverages available. For these reasons, Coosa Valley Financial Group located in Rome, GA, is here to help you understand more about auto insurance. 

Required auto insurance coverages in Georgia

Whether you drive a classic or a modern car in Georgia, you must purchase auto insurance. Here are the minimum coverages you should incorporate into your car insurance policy. 

  • Bodily injury liability: The Georgian Law requires drivers to carry bodily injury liability coverage with at least $25,000 per person and twice the amount per accident. This coverage protects you when you are liable for an accident that causes injuries to other road users. 
  • Property damage liability: This coverage protects you when legally responsible for causing property damage to other people in a vehicular accident. The state requires you to purchase a minimum of $25,000 per accident.
  • Uninsured motorist coverage: This coverage protects you against uncovered bodily injury and property damage caused to you by a motorist carrying zero insurance. However, while this coverage is required, you can reject it in writing. 

When you are found guilty of driving without auto insurance in Georgia, penalties include:

  • A fine of between $200 and $1,000
  • Possible jail time of up to 12 months
  • License suspension of between 60 and 90 days
  • Vehicle impoundment

While we live in difficult economic times — and meeting your day-to-day expenses might be tasking — you shouldn’t go without auto insurance as non-compliance plunges you into a deeper financial hole. 

Optional auto insurance coverages

Although purchasing state-required auto coverages is essential, most drivers consider the below additional coverages for well-rounded protection:

  • Comprehensive coverage
  • Collision coverage
  • Medical payments or Personal Injury Protection (PIP)
  • Road assistance coverage

Are you shopping for auto insurance in Rome, GA? Please look no further than Coosa Valley Financial Group. Contact us today for an affordable quote.