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Coosa Valley Financial Group

415 E 2nd Ave
Rome, GA 30161-3223

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3 things you did not know about RV insurance

An RV is more than just a car. It is more of a home on wheels. That makes it susceptible to both home and auto accidents. However, it doesn’t mean that you go shopping for all forms of insurance available in Rome, GA. At Coosa Valley Financial Group, we can help you get good value for your money with proper advice and guidance. If you are an RV owner or are looking to buy one, here are three things that you probably didn’t know about RV insurance.

1. RV insurance is not always a requirement.

RV insurance, unlike auto insurance, is not mandatory in all states including Georgia. However, this highly depends on whether your RV is a motorhome or not and whether it is drivable.  Non-drivable RVs do not require RV insurance, but it is always essential to have a form of insurance to protect your personal belongings.

2. You can control insurance cost factors that come with RV insurance.

Insurance companies use different criteria to determine an RV insurance rate by focusing on various significant factors. Some of these are under your control, while others may not. Factors such as deductibles and coverage limits are factors that you can control. However, you can always compare different insurance quotes to get the best deal.

3. You can combine insurance policies to fit your needs

You can use your RV for very many things like business, traveling, and also for residential purposes. This, however, does not mean you should get three separate insurance policies. You may want to prioritize your needs and budget before approaching an insurance company.

Many RV owners in Rome, GA do not fully understand what RV insurance covers and how to go about picking the correct options. At Coosa Valley Financial Group, we can help you get the most out of your coverage. Feel free to visit or call us, and our insurance agents will be happy to help.

Doesn’t My Landlord Have Insurance? Reason to Have Renters Insurance

Yes, your landlord carries property insurance on the building or house that you live in.  While the building would be protected if there was a fire or severe weather event, it won’t cover the contents of your apartment.  Everything that you own could be lost.  This is where renter’s insurance becomes important.  One catastrophe can have severe financial implications.  In the Rome, GA area, our agents at Coosa Valley Financial Group can provide you with information about renter’s insurance policies to get you covered. 

Many landlords and apartment complexes now require renters to carry renter’s insurance.  The good news is that it is very affordable.  For a low monthly price, there is no reason not to get the coverage you need.  It can also protect items from theft or vandalism.  Some policies may cover damage from broken water heaters or electrical damage.  It’s important to understand what’s covered by the policy and what isn’t.  Policies, for example, won’t cover possessions damaged from flooding or neglect.  You’ll need to create a comprehensive inventory of your possessions.  Doing so makes sure that if items, like your laptop are damaged or stolen while away from home, it’s still covered.  That’s a lot of benefits for the small investment of time. 

At Coosa Valley Financial Group, our agents work with renters throughout Rome, GA.  We want you to understand your policy and secure it for the best price available.  Visit our website for general information then give us a call.  Our agents will answer all of your questions when you come in.  We will guide you through the steps to get you the coverage that meets your needs.  Take the time to protect the things that are important to you.  Come see us today!

3 Tips for Buying Motorcycle Insurance in Rome, GA

The gorgeous weather in Rome, GA makes for one of the best states to own a motorcycle. The open-air, the sun on your back, the easy parking. There are so many benefits to riding a motorcycle. If you’ve just purchased your first one, you’ll need motorcycle insurance. Or perhaps you’ve bought a new bike and want to upgrade your policy. Either way, the team at Coosa Valley Financial Group can help. Read on to learn about three simple tips to help you get started with the motorcycle insurance buying process.

1. Bundle Your Insurance Quotes

Chances are you already have one or more insurance quotes. If so, you can easily bundle these along with your motorcycle insurance under one carrier to save money on your premiums. This is one of the easiest ways to get a discount on your new motorcycle insurance policy in Rome, GA.

2. Compare Several Quotes

Before deciding on which motorcycle insurance policy to purchase, go over several quotes. You’ll want to look for cost vs. coverage and any other differences. Always keep your needs and budget in mind. In fact, write out a checklist of what you want to be covered and how much you would like to realistically spend.

3. Work with a Reputable Agent

In order to fully understand an insurance policy, it helps to work with a reputable agent. These agents can answer all your questions, review quotes with you, find the best carrier to bundle your policies under and find you other discounts you may not be aware of. 

To learn more about purchasing a motorcycle insurance policy, contact the team at Coosa Valley Financial Group today.

 

Top 5 reasons why life insurance is a must

Life insurance could be one of the most consequential decisions you will ever take in your life. It could be the only barrier shielding your loved ones from financial distress when you are not there. Let us list the top 5 reasons why life insurance is a must.

  1. Protect your Loved Ones

The last thing you want to do is leave your loved ones in financial vulnerability when you are gone. Your dependents could be severely distressed if the income for their livelihood is abruptly removed.

  1. Pay off Debts

The worst kind of financial burden you can leave behind is debt. For example, a mortgage that they cannot afford would leave them in default or foreclosure eventually leaving them homeless.

  1. Leaving an inheritance

Death can come anytime. You could be young and not have enough inheritance to pass on. Life insurance can give you this facility by having some funds available to your family even if they don’t it immediately, they might need it later in life.

  1. Adding more financial security

No money is ever enough money. The more financially secure you leave your family, the more comfortable their life can be.

  1. Peace of Mind

You can live your life with peace of mind and you can die with peace of mind knowing the future of the family is secure.

Coosa Valley Financial Group serving Rome, GA has agents that will guide you the life insurance policy best suited to your needs. They will also educate you on inclusions, exclusions, limits and other policy specifications. You will be able to make an informed decision. Do not let this important facility go by, get in touch with Coosa Valley Financial Group serving Rome, GA now.

In What Months Are Thieves Most Likely to Target Motorcycles?

It’s not necessary for you to have a Specialty License Plate issued by the Motor Vehicle Division for thieves to notice your bike. A motorcycle is a relatively small target that thieves can spot unless it’s in a garage. We at Coosa Valley Financial Group serve Rome, GA and we offer motorcycle insurance to protect you in the event your bike is stolen. The time of year you ride your bike also makes it more susceptible to theft. 

More Motorcycle Thefts in These Months

According to statistics from the National Insurance Crime Bureau, the months of May,  June, July, August and September have the most motorcycle thefts. July and August each had 11 percent of the steals and May, June and September each had 10 percent. Speaking strictly by the numbers, more bikes are stolen in August than in any other month. 

Why This Timing

Possible reasons for this seasonal pattern include moderating weather and more bikers on the road. Thieves may take bikes at night from the parking lot of your apartment or from the driveway of your home. But thefts can happen day or night. 

Why Thieves Like Motorcycles

Bikes are easy to get into a mini-van or truck with a trailer and some have even been whisked off on skateboards by determined thieves. Once stolen, motorcycles are much easier to hide than cars, trucks, and SUVs. After the theft, most of the people involved in the crime have partners who chop up the bike and sell its parts.

Don’t wait for thieves to do what they’re good at before you get motorcycle insurance. We serve people in the Rome, GA area. Contact Coosa Valley Financial Group so we can discuss your insurance needs. 

When Should You Buy Life Insurance?

Contrary to what most people believe, the best time to purchase life insurance is when you’re young. You may not need the coverage right away, but you can save substantially on policy costs. As you grow older, circumstances may make it more difficult to invest in life insurance due to other financial obligations. As a result, you could lose out on the financial security that life insurance can provide.

Here are some good reasons to invest in life insurance from Coosa Valley Financial Group in Rome, GA sooner rather than later.

Reduced Premiums

Life insurance is cheaper to buy when you’re young and healthy as there’s less risk of you getting sick and dying. If you’re in your 20’s, have good health and live a healthy lifestyle, you can obtain excellent coverage at a minimal cost. As you approach your 30’s and beyond, you’ll pay more for the same policy due to increased risks of developing health problems and conditions.

Establish Financial Security for Future Family

You may not have a family now, but that could change in the near future. By purchasing a life insurance policy now at a low cost, you can establish financial security for your spouse and children in the future. Low premiums enable you to buy more coverage that you may not be able to afford later down the line when you start a family. If you plan on getting married and having a family someday, now’s the time to capitalize on cheaper life insurance costs.

As a young adult, you may think that life insurance isn’t a priority. However, it could be one of the wisest investments you make for the future. To learn more about life insurance options and costs, see your Coosa Valley Financial Group agent in Rome, GA today. 

How commercial insurance can save your business

As a business owner in Rome, GA you have plenty of things to worry about but one of them should not be losing your business. Commercial insurance can save your business by protecting you from many of the hazards that can come your way. Commercial insurance has many different parts, some of them may be good for your business and others you may not need. Talking to the knowledgeable staff at Coosa Valley Financial Group can help you to decide what kind of coverage is the best for you and your business

Commercial property insurance

Commercial property insurance protects you in a variety of different ways from hazards that could have tragic results for your business. It covers your property, your equipment, your furniture, and your inventory. If your business location is hit by a covered peril such as a fire it will help to bring the property back to working order and replace the things that are beyond repair. You can’t stay in business without a place to work and the things necessary to run your business. 

Commercial liability insurance

If someone is injured on your business site or by one of your products they may decide to sue you for damages. This coverage will help to cover medical expenses as well as legal liability. 

Business interruption insurance

In the event that your business is damaged by a covered event, you will need to have an income in order to pay your bills and possibly to pay some employees. Business interruption insurance can mean the difference between staying in business and having to close your doors.  

These are just a few of the ways commercial insurance can save your business. Coosa Valley Financial Group in Rome, GA will be happy to discuss your particular business insurance needs. Stop by their office or give them a call for a no-obligation quote. 

 

Look for these 3 features when choosing your boat insurance

Georgia has a lot of great lakes for boating, and who can think of a better way to spend a sunny afternoon? Before you put your boat into the water, it’s a good idea to review your policy to make sure it’s complete. And if you are considering buying your first boat, be sure to look for these 3 features when choosing your boat insurance policy. The team at Coosa Valley Financial Group is here to help our friends and neighbors in the greater Rome, GA area meets all of their insurance needs!

  1. Sea towing – breakdowns can happen, and when you’re out on the water, you’re going to want to know that you have coverage for towing services.
  2. Damage occurring when docked – your boat can, unfortunately, be damaged or vandalized when it is docked, and it only makes sense to have protection for your boat, no matter where it is!
  3. Liability – getting into a mishap with your boat can be a serious headache. Especially if there is damage to another person’s boat or property. The situation can become even more serious if there are injuries as a result of the accident. Make sure you have adequate liability coverage.

Responsible boat ownership goes beyond being a diligent driver on the water. Having a comprehensive boat insurance policy in place can also help you in the event that your craft is involved in a mishap on or off the water. 

If you are a boat owner or are just now thinking about purchasing one, make sure you have boat insurance that is right for your own unique needs. The team at Coosa Valley Financial Group is here to help the greater Rome, GA community meet all of their insurance needs. 

4 Reasons You Should Get a Comprehensive Home Insurance Policy

If you are looking at your home insurance options prior to moving into a new house, you’ll want to think about getting a comprehensive home insurance policy. This is a type of insurance that not only covers your home itself, but also your belongings, living expenses, and liability. Be sure you talk to an expert insurance agent to get an understanding of what the different policies and extra coverage are before you sign up for it.

Why You Should Get Comprehensive Home Insurance

1. Protection against natural disasters – You can get on a policy that offers you protection against the big risks, such as earthquakes and floods. If you live somewhere that is at a higher likelihood for such natural disasters, it is especially important you have coverage for such damages.

2. Coverage for accidents on your property – If someone is injured through a slip and fall accident or is bitten by your dog, they may have costly medical bills and even lose time at work. If you have comprehensive personal liability insurance, it will protect you from the individual bringing a claim against you. Instead, your insurance should cover their medical bills, lost wages, and any rehabilitative services they may need.

3. Your property may entirely be replaced – There are a guaranteed replacement and straight replacement policies available. Guaranteed means that the replacement cost will be covered entirely, even if it is more than the maximum amount on the policy. The straight replacement policy only covers up to the maximum amount and costs less than guaranteed.

4. Coverage for living expenses – Coverage may be available for living expenses, in the instance of your family having to leave due to severe damages or loss of your home (such as from a fire or flooding). It would cover expenses for staying in a motel or rental unit. However, be aware that there are limits as to what type of living arrangements you can get.

Reach out to Coosa Valley Financial Group of the Rome, GA area today to ask questions and get your comprehensive home insurance.

 

Car Insurance Myths

In order to find the right auto insurance, it’s important that you understand common auto insurance myths in Rome, GA.

Myth 1: You only need the minimum liability insurance required in the state.

Buying only the minimum insurance will mean that you will pay more out of pocket for any losses after an accident and these costs can be expensive. If you have assets to protect, it makes sense to get more than the minimum coverage.

Myth 2: Car insurance covers you if your car is vandalized or stolen.

Auto insurance will only cover your car if you have collision and comprehensive coverage. Check with an agent at Coosa Valley Financial Group to see if your car is worth enough to opt for these coverages.

Myth 3: Personal auto insurance covers business use.

If you are using your vehicle for commercial purposes then your personal auto insurance coverage may not cover you if you get into an accident.

Myth 4: If someone else is driving your car then his or her insurance covers damages.

The auto insurance policy that covers the vehicle is considered the primary insurance. This means that the car owner’s insurance will be responsible for the damages, regardless of who is driving.

Myth 5: Vehicle color helps determine the price of insurance.

The color of the car doesn’t factor into the cost of auto insurance, but other factors do matter. Things such as the make, model, engine size, age of the vehicle, overall safety record, and likelihood of theft play a role in how much insurance costs.

Myth 6: If you get a ticket, your costs go up.

A ticket doesn’t always mean an increased rate. If the ticket was minor then you may not have any increase in your premiums. The type of infraction you are cited for will determine how much your rates will go up.

Contact Coosa Valley Financial Group, serving Rome, GA, to get a quote on auto insurance.