Duluth GA Life Insurance

Life Insurance is a very personal thing and in Duluth GA you have the friendly staff at Talbert Services to guide you in your life insurance decisions and help you to make any necessary changes to your policy as you go through life.

Once you make a commitment to someone and begin to think about having a family, you need to think about life insurance because your family will rely on your income. You should consider the impact on your family if you were no pass away suddenly, after a long illness, or even by an accident - funeral costs can be in excess of $5,000, not to mention the costs of any medical treatment leading up to your demise.

Without life insurance, when your family are grieving your loss, they may also be forced to worry about where to find the money to pay those bills and pay them quickly.

Life insurance can also be a way of leaving an inheritance for your children – not everyone is lucky enough in life to build up a substantial asset portfolio to pass on, but we all like to leave a little something behind to help.

The right life insurance policy will give your family peace of mind knowing that the expenses are covered and give them time to grieve and say goodbye in the way they would like.

If you’re in the Duluth GA area Ask Talbert Services today for a free quote Life Insurance.

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Reviewing Your Duluth GA Business Insurance

Do you have a thriving business in Duluth GA? If you do, it’s likely you’re very busy and tasks like reviewing your insurance requirements keep getting put to the bottom of the “to do” list. It’s certainly a task worthy of being a much higher priority than most business owners give it – because not being adequately covered can cost you a fortune and possibly even your business.

The amount of coverage any business needs changes as the business grows. It may be that you’ve increased your assets or purchased new equipment, expanded and now have more office furniture and technology that you had when you purchased your policy.

You may have bought particular items that need to be scheduled on a policy – and they may not be covered at all under your existing one. Now that would be a nasty surprise in the event of the item’s destruction.

As businesses grow they often change too. You may have added products or service – and those particular products or services may have changed the level of risk faced by your business. You might now need additional liability coverage, or some specific coverage that is not included in your existing policy.

Don’t leave it until it’s too late to re-assess the risks your business faces. Why not speak to a representative at Talbert Services about taking care of the insurance needs of your business. It’s what we’re good at – and it will leave you free to focus on growing your business.

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Assessing Your Business Insurance Needs in Georgia

Your first move prior to purchasing business insurance for your Georgia business is to do a risk assessment. A business advisor can accomplish this risk assessment for you but if you’re a small business, you may choose to do it yourself.

What exactly is a risk assessment? It is the determination of quantitative or qualitative value of risk related to your particular situation, related to a recognized threat or hazard. Thus, what you need to think about is the size of potential loss, as well as the chances that the loss will happen.

Loss for a business is expressed monetarily. Of course, each company has different degrees of risk when it comes to different hazards. An office comprised of cubicles, for instance, does not normally have as much fire risk as a gasoline station. And a business situated in a region known for wildfires may be more at risk of fire than a building in a big city. A business that gives any type of advice to clients will have a risk that they may give incorrect advice.

There is no ‘one size fits all’ when making a risk assessment. Every type of business has different risk factors and exposure levels to those risks.

Because your business is your livelihood, having an experience insurance agent to assist you can be very worthwhile. Why not call Talbert Services today for an assessment of your insurance requirements?

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Georgia Home Insurance and What Happens When you Make a Claim

When something bad happens to your Georgia house, you may need to make a home insurance claim. But if you’ve never filed a home insurance claim before, it might help to know what you can expect to happen during the claim process.

First, after your claim is submitted, a claims adjuster will most likely be assigned to your claim and begin investigating it. Expect to get a letter, email, or phone call from your assigned adjuster introducing him/herself to you. You’ll be advised on the basic process the insurance company uses for claims and advised what coverage and deductibles you are party to. The adjusted (sometimes called an assessor) will examine the type and severity of the damage incurred.

Claims can be either simple or difficult. A simple claim might be one where damage is small – for example, a damaged window after a storm.  Your adjuster might request that you obtain estimates on the repair cost.  The amount you receive would be this total less any deductible you have. It’s unlikely there would also be an in-person visit from your adjustor.

More involved claims are often ones that involve major damage, such as a collapsed roof. This would probably require an in-person visit from your adjuster, who would take pictures of the damage and ask questions about how it occurred.

Of course, if you’re with an agency like Talbert Services, we’d help you through the entire process so call us today to talk about your Georgia home insurance needs.

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Auto Insurance and Teenagers in Duluth GA

If you’ve just received a quote from your current insurance carrier for your teenager’s auto insurance, you’re probably still seeing red. It’s a fact though, that drivers under 25 years of age pose a greater risk to insurance companies. While your child might be the most responsible teenager in Duluth GA, carriers base their judgements on the overall statistics – and there seems no dispute that young, inexperienced drivers are more likely to do silly things than mature ones.

 It’s not entirely the fault of the current generation. Most parents of teenagers wouldn’t dare tell their kids what they got up to at that age – lest their responsible parent mask should slip down and choke them! Let’s face it, if previous generations had been responsible teenagers, the current insurance premiums might be lower.

Is there anything you can do to lower the premium? Well, maybe. Including your children on your auto policy will probably be cheaper than them taking out their own. If your child has achieved good grades or takes an approved driver safety course some carriers will offer a discount. The type of car they drive can also influence the level of the premium.

Looking to the future, it’s a good idea to stress to your teenager that a good driving record will mean cheaper insurance premiums in the future. In the meantime, why not let us do the hard work for you and find you a good deal for your auto insurance?

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Duluth GA Auto Insurance

 Residents of Georgia are blessed in so many ways. We live in a fabulous state of natural abundance from beautiful beaches to peaceful wilderness. It hardly seems fair that GA auto insurance is also generally cheaper than most other states! Perhaps we’re better drivers here.

Just because our auto insurance is cheap by comparison, doesn’t mean you shouldn’t bother shopping for further discounts. Every cent counts and if your budget is a little tight this year a healthy discount might pay for the cost of gas for a month or two, a few nights out or a new piece of furniture.

On policies issued after 1 January 2009 GA drivers are required to have uninsured/underinsured motorist coverage as well as the minimum liability coverage. Insurance costs in general have also increased so if your old policy is about to expire, you might find your new premium is slightly higher. Why not see if we can reduce that for you?

If you are one of Georgia’s many good drivers, several insurance carriers will want your business! If you have more than one vehicle, or other policies such as homeowner and business policies, you’ll be an even more attractive client.

As a licensed agency in GA we have the experience and knowledge to find you a great deal on your auto insurance. See how much you can save now.

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Keep Your Home Insurance Premiums Down in Duluth, GA

 Preventing burglaries keeps you from filing insurances claims, and ultimately helps keep your home insurance premiums lower. There are many safety tips you can utilize to prevent burglaries. Some of these are related to doors and locks, and include using solid core or metal doors for all entrance points, heavy-duty deadbolt locks with one-inch throw bolts, and heavy-duty knob-in-lock sets with dead-latch mechanisms. It’s also strongly advised that you install heavy-duty, four-screw, strike plates with 3-inch screws that penetrate into a wooden door frame.

Another suggestion is to put in a wide-angle 160 degree peephole atop your front door, no higher than 58 inches.

Sliding glass doors are particularly vulnerable. Use a secondary blocking device on all sliding-glass doors, and properly maintain the latch mechanism so it cannot be easily compromised. Anti-lift devices, which include through-the-door pins, are good protection options. It never hurts to have highly visible alarm decals and beware-of-dog stickers on sliding-glass doors. Windows should also have secondary blocking devices.

Installing lighting timers can help to establish a pattern of occupancy when you’re away. If you’re going away, don’t forget the basics – ask a neighbor to clear items from your mailbox and put your bin out on bin day.

Lastly, a properly installed, programmed and maintained alarm system adds an extra large dosage of security.

If you’d like to know more about lowering your home insurance costs call Talbert Services today. We’re happy to help.

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