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.
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!
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.
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.
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.
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.
Not everyone needs life insurance, but for residents of Rome, GA, buying the policy is important. Finding the right life insurance policy calls for effective guidance. At Coosa Valley Financial Group, we provide directions on the types of life insurance policies you can consider.
Term Plan Insurance Policy
In this type of insurance policy, you pay solely for life cover. The amount you pay as a premium is for a specific number of years. In return, the insurer pays the amount assured to your family when you meet an untimely death. There are no mature benefits and covers for a lesser premium.
Whole Life Insurance Policy
As the name suggests, you get cover for life with this type of life insurance. The insurer has the mandate to pay a nominee of the policyholder after you meet an untimely death. This is as long as there is the regular payment of the premium amount. There is also the saving component in this type of coverage, making it better in the long run. For residents of Rome GA, this serves as a suitable policy to consider.
In this type, there is the incorporation of savings and protection. Unlike other policies, you receive a portion of the sum guaranteed at regular intervals during the policy period. Once matured, you get the remaining amount along with the bonus.
There is also a combination of savings and protection in endowment policies. A nominee in the case can also receive the sum assured in the case of the policyholder’s untimely death. However, the policyholder receives the total payout after surviving the policy term. It is also easier to make goal-based savings with endowment policies.
Learning about life insurance policies comes with many benefits. As Coosa Valley Financial Group, we commit to guiding and helping you make informed decisions. Contact us today for advice and guidance.
If you are currently renting or are looking to rent an apartment, house, or condo, it is important to look into finding renter’s insurance. It can be deceiving to think that if your landlord has homeowner’s insurance, that you’re covered too. But that could not be farther from the truth.
Your landlord’s insurance only covers the structure and the building itself. It does not cover all your personal belongings in the event of disaster, damage, or theft. That is why you need to seriously consider renter’s insurance if you are currently renting or looking to rent. Thankfully, here at the Rome, GA, Coosa Valley Financial Group we are here to help you.
What is covered under renter’s insurance?
Renter’s insurance protects your personal belongings and property. In the event of a theft, damage, or disaster, renter’s insurance will compensate you for your lost, stolen, or damaged possessions. Renter’s insurance also protects you from being held liable if someone is injured on the property.
If you currently rent and have renter’s insurance, it is important to look at your policy to see how much is covered. You may need to adjust your policy if it no longer adequately covers your personal possessions. At Coosa Valley Financial Group, we know how important things can be, and we want to help you find the right renter’s insurance. Because we understand that some things can never be replaced in the event of a disaster or theft, so it is important to insure them fully.
If you need renter’s insurance or an updated policy, contact Coosa Valley Financial Group, serving Rome, GA to learn more about our services and coverage options. We are happy to answer all of your insurance questions and help you find the right policy for you.
If you own an RV in or near Rome, GA, and aren’t sure if you need an insurance policy, it is good to know what options are available for your needs. Thankfully, many people benefit from this type of protection and should seriously consider ordering a policy right away.
RV Insurance is Good for Most Owners
At Coosa Valley Financial Group, we offer a handful of different RV insurance policy options that should meet your needs. Just a few people who may want to consider these policies include:
- Regular Campers – If you plan on taking your RV out at least 1-2 months every year, it is a good idea to have a policy that pays for many issues.
- Haulers – Even if you don’t drive your RV, you may want to insure it anyway because your truck or car policy will not pay for damages to it.
- Full-Timers – If you’re one of those people who live in their RV year-round, you need insurance – it works as a type of home insurance.
- Rental Companies – When you rent out RV models for use to various people, you may want to get an insurance policy to make sure that it runs properly.
Policy options for these different insurances vary, including bodily injury, property damage, uninsured driver, medical payment, collision, liability, safety equipment, physical damage, and other types of clauses that help to keep your vehicle in great shape. Roadside assistance is often included in many of these packages, as well, so choose wisely.
Do You Need a Policy?
If your Rome, GA RV needs protection and you aren’t sure where to turn for a policy, don’t hesitate to reach out to us at Coosa Valley Financial Group to learn more about this type of coverage.
Coosa Valley Financial Group serves the Rome, GA community, as well as the surrounding areas, by offering residents insurance coverage. We enjoy helping people find the coverage they need. We work closely with multiple carriers in the South.
4 Important Facts About Term Life Insurance
At some point, as you head through life, you will have to start preparing for the future. While it may not be pleasant to think about, life insurance is something that you should take the time to consider. The policy will help provide comfort to your loved ones as they deal with your passing. Life can change at any moment. Life insurance will help you outline a plan if something were to happen to you. One of the more common life insurance policies is term life, where you will be covered over a specified period of time. Here is a look at some important facts regarding term life insurance.
Term Life Insurance Works As An Additional Policy
Even if you have a policy through your employer, you can still start your own individual term life policy.
Term Life insurance does provide a death benefit that can assist with the costs of your funeral.
Term Life policies also provide other benefits that can help you and your family. If you have children, the policy can help cover their educational pursuits in Rome, GA. It may also help your family finalize your estate. Term Life insurance can help give your family peace of mind as they cope with your passing.
Many people make the mistake of thinking life insurance is only for wealthy people with a lot of assets. This is incorrect. Life insurance provides a safety net to you and your loved ones regardless of your income.
Coosa Valley Financial Group Can Help You
Visit our website to learn more information about life insurance.