My Home Was Burglarized. Will My Home Insurance Policy Cover It?

Posted on November 25, 2024November 19, 2024 by admin

If your home is burglarized, getting help from your home insurance policy is important. At Rob Hill Insurance Group, servicing Atlanta, GA, we can help you manage the recovery from this type of event. Home insurance is valuable, especially when something like this happens! Here’s what you need to know.

Does Home Insurance Cover Burglaries?

Standard home insurance policies cover burglaries. To find out what your home insurance policy covers, talk to your insurance agent or read your policy. We can help you understand your policy and what is covered under its terms.

What to Do If Your Home Is Burglarized

If your home is burglarized, the first thing you should do is call the police. Don’t go into your home unless you’re sure it’s safe. When it’s safe, find out what’s missing and what isn’t. Make a list of everything that was taken. This needs to be reported to the police.

After you’ve filed a police report, contact your insurance agent. Your insurance agent will help you file a claim with your insurance policy.

How to Protect Yourself in the Future

After a burglary, you may want to take steps to protect yourself. There are things you can do.

Consider getting a security system. Home security systems can help protect your property and, in some cases, reduce your home insurance policy.
Make a home inventory. A home inventory is a list of everything you own. It can help you identify lost or stolen items in the future.

Do you need more information about filing a claim following a burglary? Contact the agents at Rob Hill Insurance Group servicing Atlanta, GA. We can answer your questions. We’re here to help!

Is No-Fault Insurance the Same Thing as Comprehensive Auto Insurance in Atlanta?

Posted on October 21, 2024October 17, 2024 by admin

It’s not surprising that Atlanta, GA drivers are often confused by no-fault and comprehensive auto insurance. While these two types of auto insurance coverage are similar, they serve different purposes. Rob Hill Insurance Group discusses a few key differences between these two types of auto insurance in the guide below.

No-Fault Insurance Explained for Atlanta, GA Drivers

Georgia is among the US states that offer no-fault insurance options. These allow drivers who have been in auto accidents to have their medical expenses, fees, and lost wages covered by their own insurance companies. No-fault insurance can provide peace of mind for policyholders who know that their financial interests are protected in an accident, and the likelihood of having to deal with costly legal claims is reduced.

Comprehensive Auto Insurance in Atlanta

Comprehensive auto insurance is a form of full coverage insurance that protects your vehicle from non-collision-related incidents. These can include total losses and damages caused by natural disasters, vandalism, or theft. This full-coverage insurance type is an optional add-on that can provide peace of mind for drivers who know that their vehicle’s repair or replacement is covered.

Key Differences Between No-Fault and Comprehensive Insurance

No-fault auto insurance policies provide financial protection by covering medical expenses after an accident, while comprehensive policies typically focus on repairing or replacing your vehicle when it’s been in an accident.

Learn More About No-Fault and Comprehensive Insurance Policies in Georgia

Don’t wait until you’ve been in an auto accident, and it’s too late to protect your vehicle with liability insurance, no-fault insurance, or comprehensive auto insurance in Atlanta. Reach out to the licensed and knowledgeable insurance agents at Rob Hill Insurance Group in Atlanta to learn more about auto insurance and get a quote today!

3 Reasons Why You Need Life Insurance While You’re Single

Posted on September 30, 2024September 25, 2024 by admin

Life Insurance for Singles: Why It’s Still Important

As a single individual, you might question the need for a life insurance policy, assuming they are designed mainly for dependents, which you may not have. However, here are three reasons why obtaining a policy still benefits a single person.

1. Cover Funeral Costs

As a single person, you still have family members who will mourn your loss and manage your funeral services. A life insurance policy can help cover your funeral costs, relieving your family from this financial burden during a challenging time. If you anticipate specific arrangements for your services, ensure your policy provides adequate funds to cover these expenses.

2. Cover Outstanding Debts

As a single person, you may still have outstanding debts that must be settled posthumously. Whoever you have named the beneficiary of your estate will be responsible for settling these debts or relinquishing the property to the lender. With a life insurance policy, you can leave enough funds to cover the remaining balances on properties like a house or vehicle, allowing your loved ones to retain them as part of your legacy.

3. Leave Inheritance For Loved Ones

Even as a single individual, you still have family members for whom you care deeply. A life insurance policy lets you leave a financial legacy for your loved ones such as parents, siblings, nieces, or nephews, ensuring one final gift from you.

If you live in the Atlanta, GA, area and need more information about life insurance, contact us at Rob Hill Insurance Group for more details today.

What Happens if I Experience a Lapse in My Homeowners Insurance?

Posted on August 30, 2024August 21, 2024 by admin

Homeowners insurance is mandatory when you mortgage a home, whether in Atlanta, GA, or someplace else, and many homeowners have the cost included with their mortgage payment. Even if you’re no longer paying a mortgage, maintaining your homeowner’s insurance policy for peace of mind is still a good idea. Allowing your homeowner’s insurance to lapse could have serious consequences.

Your Mortgage Provider Could Take Action

If you allow your insurance policy to lapse, your mortgage provider might be forced to purchase a policy for you. If your mortgage company does do this, you will be sent the bill, and the policy will likely cost a lot more than if you had maintained an insurance policy yourself.

You Might Be Forced to Pay Out of Pocket

As a homeowner, you’re responsible for anyone who becomes injured while on your property. At any time, a person could sustain an injury while on your property, which could end up costing tens of thousands of dollars. Without a current homeowner’s insurance policy, you would be required to pay the person’s medical bills out of pocket, which might be much more than you can comfortably afford.

As you can see, it’s important to maintain homeowner’s insurance, even if you no longer have a mortgage. You can never predict when an event might occur that causes you to need to file a claim with your insurance company. You should consider Rob Hill Insurance Group if you need an insurance provider. Not only do we at Rob Hill Insurance Group provide coverage for Atlanta, GA residents, but we go above and beyond to ensure our customers’ needs are met. Contact us today for a quote and to get started.

The Ultimate Guide to Auto Insurance for New Drivers in Atlanta

Posted on July 30, 2024July 23, 2024 by admin

Getting a Georgia driver’s license and exploring the freedom of open roads can be exhilarating. The guide below, courtesy of the professionals at Rob Hill Insurance Group, helps new drivers in Atlanta understand the nuances of Georgia auto insurance.

Minimum Insurance Requirements for Atlanta, GA Drivers

All motorists on Georgia roads are legally mandated to carry a minimum state-specified liability coverage. This is to safeguard other drivers in the event of incidents where you are at fault.

An at-fault accident implies that one driver has been deemed accountable for the incident based on the circumstances, statements from witnesses, and evaluations by responding officials.

Liability Insurance: State-regulated insurance aids at-fault drivers in addressing costs that can drastically spike following a vehicular accident. A licensed insurance agent can provide further details about liability coverage amounts and commence a new liability insurance policy in Georgia.
Comprehensive Insurance: This enhances the scope of standard liability-only insurance policies. Full coverage policies add options for drivers, passengers, and personal belongings and protect against non-collision-related incidents like auto theft, vandalism, or storm damage.

What to Anticipate When Applying for Insurance

New drivers applying for auto insurance can expect to answer a sequence of questions related to their driving history. An agent will ask about crucial details such as prior accidents, budgeting considerations, and add-ons.

Safety-conscious Georgia drivers who want to extend their auto insurance policies often invest in features like emergency roadside assistance. This can encompass vehicle jump-starts, roadside towing, rescue, and battery services.

Contact Rob Hill Insurance Group in Atlanta, GA, for a free auto insurance quote today!

Guidelines for Life Insurance Coverage

Posted on June 28, 2024June 26, 2024 by admin

You know that you need life insurance to protect your family if you pass unexpectedly. However, you may not know how much coverage you need or which type of policy to select. At Rob Hill Insurance Group in Atlanta, GA, we are here to provide guidelines for choosing life insurance coverage.

Types of Life Insurance

There are two basic types of life insurance. These are term life and whole life. A term life policy provides coverage for a set term, typically 10-30 years. At the end of the term, the policy expires. To continue having coverage, you’ll need to get a new policy.

Whole-life coverage, on the other hand, provides coverage for a lifetime. You’ll be covered until your eventual death, no matter your age.

Term life is less expensive. Whole-life policies typically have a cash value component that you can withdraw from after several years.

How Much Coverage Do You Need?

You’ll also need to determine how much coverage you need. If you have a family that depends on your income, experts recommend multiplying your yearly income by 10. Then, add any debts or liabilities, including a mortgage. This ensures your family will be financially secure without you. You may also want to factor in their care or college education if you have children.

You’ll need enough coverage to cover your debts and final expenses if you don’t have any dependents. Add up your liabilities and debts. You’ll want to add final expenses to this number. In Georgia, this averages about 13,000. You may want to consider any final medical expenses you may have as well.

Life Insurance at Rob Hill Insurance Group

At Rob Hill Insurance Group, we serve the Atlanta, GA area. We offer life insurance to help you protect your family. We will discuss your needs and help you select the best policy for your situation.

Strange Things Covered By Homeowner’s Insurance

Posted on May 27, 2024May 27, 2024 by admin

Do you know what your homeowner’s policy covers? You probably know it covers the structure of your home and your personal property, but there are things you may not realize are covered. It is important to work with an agency you can trust. We offer homeowner’s insurance at Rob Hill Insurance Group in Atlanta, GA.

Objects Falling From the Sky

A meteor hitting your home is probably low on your list of concerns, but it is possible. Your homeowner’s policy covers objects falling from the sky, including meteors, satellite debris, and even airplanes.

If a falling object damages your home, your policy will cover the repairs.

Spoiled Food

If your fridge loses power, the food inside will need to be tossed. You may not realize how quickly these groceries add up until you need to replace the items at the same time.

The good news is that if you need to restock your fridge, your homeowner’s policy will cover the cost of these groceries.

Injuries On Your Property

If someone who doesn’t live in your home is injured on your property, you are liable for the medical expenses. You may also be responsible for lost wages.

Your homeowner’s insurance will cover this liability. Your legal fees may be covered as well.

New Doors and Door Locks

If someone breaks into your home, you may be aware that your insurance will cover damaged or stolen items. However, you may not know that this extends to your doors. If your door locks are compromised, your policy will cover replacing them. This helps you keep your home secure.

Homeowner’s Insurance With Rob Hill Insurance Group

If you need homeowner’s insurance in Atlanta, GA, contact Rob Hill Insurance Group. Our experienced agents are here to discuss your needs and help you choose the best policy for your situation.

Are Self-Driving Cars a Risk to Auto Insurance?

Posted on April 26, 2024April 25, 2024 by admin

Analyzing the Impact of Self-Driving Cars on the Auto Insurance Industry in Georgia

The arrival of self-driving cars in Atlanta, GA, has sparked an ongoing debate about their potential impact on the auto insurance industry. While autonomous vehicle technology is promising in enhancing road safety and reducing accidents, it brings new challenges and risks.

The Shift in Liability Dynamics

One consequential impact self-driving cars will have on auto insurance is the shift in liability dynamics. Usually, drivers are held responsible for accidents with human-driven vehicles, but with autonomous technology, manufacturers and software developers may be liable for mishaps.

A Decrease in Accident Frequency

The power of self-driving cars to lower accident frequency—through the elimination of human error—means insurers could witness a reduction in claims, leading to decreased payouts and premiums. Although this change benefits consumers via lower insurance costs, insurers are compelled to adjust their business models to the evolving risk landscape.

Balancing Reduced Accidents with Higher Repair Costs

While fewer accidents are likely, a new challenge arises regarding repair costs. Expensive sensors, cameras, and other tech are in need of repair or replacement after damage, potentially counteracting any savings from reduced accidents.

The Cybersecurity Risks

Autonomous cars’ reliance on complex computer systems and connectivity exposes them to cybersecurity threats, which criminals can exploit to manipulate vehicle control systems or disable normal operations. Therefore, insurers need to address these cyber threats in their coverage.

Are you in Atlanta, GA, and inquiring about auto insurance? Rob Hill Insurance Group is here to assist. Call us today.

What Type of Life Insurance Policy should You Buy?

Posted on March 29, 2024March 20, 2024 by admin

At Rob Hill Insurance Group, we prioritize the needs of our patrons in Atlanta, GA. Our goal is to provide dependable, flexible life insurance plans that cater to your needs. We strive to deliver policies that give you peace of mind, knowing you and your loved ones are protected.

Considering the Right Life Insurance Coverage

Finding the right life insurance policy can be complex. It’s not enough to choose a plan; you need to consider various factors to ensure your coverage meets your personal needs and financial objectives. At Rob Hill Insurance Group, we believe in offering valuable insights that reflect your unique requirements and helping you implement a comprehensive insurance plan.

Different Types of Life Insurance Policies

Our diverse insurance plans cater to a variety of needs. For instance, term life insurance offers temporary financial protection at affordable rates, with a payout set during specified years if death occurs. Alternatively, permanent insurance policies such as whole life or universal life policies can offer lifelong coverage and potential for cash value accumulation.

Finding the Best Life Insurance Cover

We believe a thorough assessment of your current obligations, future expenses, and long-term goals is crucial in determining your best life insurance coverage. Factors such as age, health, and listed beneficiaries can help narrow down the selection and enable a more informed choice. Let us assist you in selecting a life insurance policy that provides you and your family with the financial security and peace of mind you need.

Choose Rob Hill Insurance Group for Quality Life Insurance

If you’re around Atlanta, GA, and seeking quality life insurance, Rob Hill Insurance Group is the right place. Our dedicated professionals are ready to help you protect your family and assets. We offer a range of customizable insurance packages to fit your budget and individual needs. With us, you can rest assured of fair and considerate handling of your unique situation. Begin your journey towards peace of mind with us today.

Things home insurance won’t cover

Posted on February 29, 2024February 16, 2024 by admin

Home Insurance for Peaceful Living

Owning a home in Atlanta, GA, can be stress-free when a well-planned home insurance policy protects you. At the Rob Hill Insurance Group, we dedicate ourselves to guiding our clients in understanding what their home insurance covers and things outside its purview.

What’s Not Covered By Home Insurance?

Wear and Tear

It’s an inevitable fact that things depreciate over time. Your home appliances, house paint, and HVAC systems will not stay in their prime forever. When they eventually fail, home insurance won’t cover the replacement costs.

Owner Neglect

As homeowners, we hold a responsibility for house maintenance. Excluding a genuine crisis, your insurance will not cover damage due to sidestepping routine maintenance (like termite control for termite-prone areas or roof cameras).

Earth Movement

Earthquake, landslide, mudslide, or sinkhole – if the earth moves underneath your home causing damage, this is not typically covered.

Floods

Damage from flood water that enters your home isn’t covered. You can purchase flood insurance from the National Flood Insurance Program (NFIP) to protect your home from floods.

Expensive Art or Jewelry

Limitations apply to the amount of home insurance coverage for high-value items like artistic works or precious jewelry. To provide them adequate protection, include them under a separate rider.

Make the Right Choice with Rob Hill Insurance Group

When picking the appropriate home insurance coverage, let our experts at Rob Hill Insurance Group in Atlanta, GA, guide you. You’ll secure a strong peace of mind with us, knowing a well-structured policy protects your home.

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