Click to Call
Rob Hill Insurance Group

3006 Clairmont Rd
Ste 1070
Atlanta, GA 30329

Get Directions
Featured Insurance Blog

Author: admin

Why You Need Auto Insurance

Posted on by admin

While auto insurance is mandatory in Georgia, is that the only reason you invest in car insurance? The answer is no.  When you buy auto insurance from Rob Hill Insurance Group, it protects you in many ways. Want to find out?  Here are the reasons you need auto insurance in Atlanta, GA and its environs.

Liability protection

You might be careful on the road, but accidents do happen. And when you are liable for accidents, you could face bodily injury and property damage costs. Without car insurance, you will have fork out these expenses from your pocket. Worse yet, if lawsuits come knocking, they can quickly wipe out your hard-earned assets.

Asset protection

Every time you think about driving without car insurance, think about your car. Can you afford its repairs or replacement from your pocket? Is it worth risking car insurance, yet it can repair your car when accidents occur?

Whether your car is old or new, it’s valuable to you. As such, it makes money to protect it with car insurance when the unthinkable happens.

Medical payments

When auto accidents strike, it’s not uncommon to suffer injuries that cost thousands of dollars to treat. Without a health insurance plan, you will have to cover these expenses from your pocket.   Thankfully, auto insurance can cover medical expenses following a car accident.

And unlike your health insurance plan, PIP or Medpay has broader coverage. For instance, it covers partial loss of income and funeral expenses- things that aren’t covered by a typical health insurance plan. Besides, auto insurance covers injuries for you and your drivers, regardless of who was at fault.

Buy auto insurance today!

If you have been having second thoughts about car insurance, you can see the benefits you are missing out on. The good news is that you can purchase car insurance today from Rob Hill Insurance Group, serving Atlanta, GA, and its environs.

Why You Need a Life Insurance Policy

Posted on by admin

Understanding why you need life insurance can be complex at times, especially if you do not know what you specifically want. However, there are various benefits why you should consider having life insurance, especially if you want to protect your loved ones from financial loss. That is why Rob Hill Insurance Group of Atlanta, GA explains why you need a life insurance policy.

For Peace of Mind

At one point, we will all pass away, but we do not know when. And as much as money cannot replace a person, it protects us from life’s uncertainties. It gives you and your family peace of mind, knowing that they will be well taken care of when you are gone. It offers your beneficiaries protection from the unknown and helps them get through a difficult time when you pass away.

Protect Family and Loved Ones

If you are the sole provider in your family, getting life insurance is advisable. This is because when you pass away, the payout will help replace your income. It is especially vital for parents with young kids who will have a difficult time sustaining their living standards when they no longer have access to the income they had before.

Leave an Inheritance

If you do not have assets to pass on to your loved ones, having life insurance is one way of building an inheritance to leave behind for your heirs. This gives them a solid financial foundation for the future when they will need the money.

Financial Security

Like any other concerned parent, you want to know that your kids will be well taken care of when you are gone. You want them to get a quality education or have some money to start a business with. Therefore, with life insurance, you create that additional coverage that is important even when your kids are still at home.

Pay Off Debts Plus Other Expenses

Apart from your family having income to cover the daily expenses, they can also use the death benefits to pay off any debts you had. For instance, if you are still paying the mortgage on the house, they will have money to pay off the remaining balance. Other debts can be credit cards or car loans.

The above reasons can help you understand why you need life insurance. If you reside in Atlanta, GA you can reach out to Rob Hill Insurance Group for assistance in choosing a suitable policy.

Do You Have Enough Home Insurance?

Posted on by admin

If you own a house in Atlanta, GA, you understand that home insurance is worthwhile. But do you know whether you have adequate home insurance coverage? Purchasing enough home insurance ensures that you don’t incur out-of-pocket expenses when the unthinkable strikes. If you are unsure whether you are carrying the right amount of home insurance coverage, read on as Rob Hill Insurance Group provides a guide. 

Understand the difference between replacement cost and actual value

When a covered peril destroys your home, your insurance company compensates you with either the replacement cost or actual value. What’s the difference between the two? The actual value is the value of your house less depreciation. This amount doesn’t cover the cost of your house fully. The replacement cost is more ideal since it repairs or rebuilds your home to its prior state, regardless of your house’s actual value. 

Get to know your local building costs.

The essence of purchasing home insurance is to have your house repaired or rebuilt when damage occurs. To that end, you need to research how much it would cost to rebuild your home to its current state in case of total loss. This way, you will update your home insurance policy with the correct value for your home. 

How do you use your house and who uses it

Do you throw parties in your house? Do you have pets like dangerous dogs in your home? The answer to these questions will determine if you need to increase your liability coverage. If the chance of causing property damage or bodily injury to neighbors is high, you need to increase your home liability coverage or consider umbrella insurance. 

Home insurance in Georgia

Home insurance needs differ from one person to another. Since there is no one-size-fits-all home insurance plan, at Rob Hill Insurance Group, we customize home insurance plans to fit various needs. Contact us today for a quote.

Is auto insurance in Georgia needed?

Posted on by admin

When you move to the Atlanta, GA area, you may find that owning a car is a good idea. If you are going to purchase a vehicle when you are in this city, it is also important that you get insurance for your car. There are a few reasons why you will need to get an auto insurance plan for your vehicle here. 

Lenders require insurance

A key reason to get this coverage for your vehicle in this part of the state of Georgia is to cover your asset. If you are going to buy a car when you are in this area, it will be a major investment you want to protect. A great way to protect it is with a full collision and comprehensive plan that offers a lot of coverage. If you have taken out an auto loan, the lender will also require that you maintain this protection.

Insurance is Required by State

It would be best to get an auto insurance plan because the state will likely require it. If you drive a car on a public road in Georgia, you will also need to maintain a full auto insurance plan to comply with the state’s liability insurance requirements. If you do not maintain this coverage, you could violate state law.

If you live in the Atlanta, GA area and are looking to purchase a car, it would be helpful for you to call Rob Hill Insurance Group. The team with the Rob Hill Insurance Group understands how important it is for you to get an auto insurance plan. They can help you evaluate your personal needs and options and give you the support you need to build a plan that works for you and your situation. 

What Is Term Life Insurance?

Posted on by admin

Death is inevitable. It’s essential to protect your loved ones by getting a life policy to help them maneuver through life even in your absence. If you are in Atlanta, GA, Rob Hill Insurance Group will help you get insights on the most misunderstood policy, life insurance. 

You’ll know more about term life insurance and how it works. The team will guide you on everything to help you make the right decision. 

How Term Life Insurance Works

Term life insurance refers to a life insurance policy, which provides coverage for a specified period. In case the policyholder dies within the policy term, the insurance pays out a death benefit. 

With time insurance, you’ll pay the premiums annually or monthly, depending on the agreement you have with the insurer. As long as you’re paying the premiums, your beneficiaries will get the payouts upon your demise. The team at Rob Hill Insurance Group will customize the policy to meet your individual needs. 

If one dies within the period the term life policy is active; the beneficiaries submit a claim to the insurance company. The insurer mostly requests a copy of the deceased policyholder’s death certificate before paying out the death benefit. 

Types of Term Life Policies to Buy

Term life insurance is quite different in terms of the costs, payouts, and what they include. Some types of term life insurance include:

  • Level premium
  • Return of premium
  • Yearly renewable term 
  • Guaranteed issue

It’s crucial to go through these policies with a professional agency to know which is best for you. If you’re new to an insurance policy, everything might seem confusing. 

With Rob Hill Insurance Group in Atlanta, GA, you’ll understand every single detail about the term life insurance. Our team of professionals will guide you through the process and answer your questions. Call Rob Hill Insurance Group today to kickstart your term life coverage.

Why do I need home insurance in Atlanta?

Posted on by admin

The Atlanta, GA area is one of the largest and fastest-growing metro areas in the country. Along with this growth, Atlanta continues to be a good place to own a home. If you want to buy a property when you are here, it would be a good idea to invest in a home insurance plan. There are a few reasons that you will need to have this coverage here. 

Coverage is Required Under Mortgage Agreement

A lot of people in this area of Georgia will need to get a home insurance plan because it is required under their mortgage agreement. Anyone who has taken out a mortgage to buy their home will agree to various rules and requirements. One of these is a requirement to maintain proper insurance on their property. Many lenders will even require that you escrow for payments each month.

Coverage Protects Owners

You will also want to get a home insurance plan because it will give property owners great coverage. If you are going to buy a property, you will be making a big investment. Further, you will be taking on some additional personal liability risk. The best way to protect this asset and mitigate liability risk is by getting home insurance, as it offers protection to offset these concerns.

Getting a proper home insurance plan in the Atlanta, GA area is significant. As you are looking for a new policy in the area, calling the Rob Hill Insurance Group is a good idea. The professionals with the Rob Hill Insurance Group understand how valuable and important this coverage can be. The team can help you assess your needs and build a plan that works for your situation. 

How Long Does an Insurance Company Have to Investigate an Auto Accident in Georgia?

Posted on by admin

There’s no doubt that being in an auto accident is scary. After the crash, you might wonder what to expect during the claims process and how long it will be before you receive a settlement offer. The truth? There’s no real timeline as to when this happens. Frankly, it’s all up to the insurance adjuster to handle your case based on the factors involved. Our team at the Rob Hill Insurance Group has put together a few pieces of information to help Atlanta, GA drivers. Here’s what you need to know.

General Georgia Laws

While there is no set timeline to follow, there are certain guidelines set forth by the state government. According to Georgia law, accidents with injuries or death must be reported to law enforcement within twenty-four hours.

Your policy usually dictates how long you have to contact your insurance company. Most insurers state that the process must happen promptly, which means as soon as you’re safe and able to make the phone call to explain what happened.

But then there’s the state statute of limitations to consider. To file a lawsuit with injuries, the auto accident case must be made within two years. For property damage, the statute of limitations to file suit is four years. You obviously want to give your insurance company plenty of time to investigate what happened, so make sure you aren’t waiting until only a few days or weeks before this time period runs out to file a claim.

Complicated Claims Take Longer

One of the most important things to remember is that complicated claims take longer to investigate than simple parking lot fender benders. If there are medical bills involved, it may take weeks or years for the injured person to receive care, which means that the investigation and settlement processes can take an extended period of time. During that time, your insurance adjuster will investigate the accident’s facts and determine who is responsible for causing it.

Of course, this is just the tip of the iceberg for auto insurance and filing a claim. Our team at Rob Hill Insurance Group in Atlanta, GA would love to discuss the process with you. Please contact us today to schedule an appointment.

Life Insurance Options

Posted on by admin

Nothing is more difficult for a person than losing a loved one. To ensure that your family members are taken care of properly and experience less stress if and when you pass away, the best present you can leave for them is the gift of a life insurance policy.

A life insurance policy is important for many reasons. For instance, if you provide the main income for your family and you die unexpectedly, not only will your family have to deal with the loss they will experience, they will have the stress of trying to figure out how to pay the bills. If you have a life insurance policy in place, this will alleviate some of the financial stress for your loved ones.

A life insurance policy will also help your family pay for your funeral expenses and burial, which can both be very costly. The life insurance agents at the Rob Hill Insurance Group in Atlanta, GA have the experience and knowledge to help you create the best life insurance policy for your loved ones.

Life Insurance Options

There are many different types of life insurance policies, including group life insurance, which many people have through their employer. This is normally just enough to cover your funeral expenses, which is why you may want to opt for one of the three main types of life insurance: term life insurance, whole life insurance, and universal life insurance.

Whole life insurance guarantees that the death benefit will last throughout your life and be provided quickly to your loved ones upon your death. Universal life insurance will gain interest based upon the cash value of your policy. Hence, it is similar to a savings account, while term life insurance is only in effect during the “term” in which you decide to pay it. For example, if you have a ten-year term policy, it will need to be renewed for another ten years at the end of that term.

To obtain the best life insurance policy for you and your situation, call upon the Rob Hill Insurance Group’s trusted agents in Atlanta, GA for an appointment today!

What Kinds of Possessions Are Covered Under Your Home Insurance Policy?

Posted on by admin

When it comes to personal possessions, the insurance question can be a confusing one. You likely know of people who individually insure their engagement ring or a piece of artwork. But should they need to do this if they have a home insurance policy? We’ll look at the types of possessions covered in Atlanta, GA, and what you can do to make sure that you have the best policy for you. 

The Coverage Depends on Your Policy 

Every policy is different, based on everything from the state you live into the carrier you choose. This is why it’s so important never to make assumptions about your terms. If you finance your home, you’re required to cover the structure and grounds, but not your personal possessions. So if you set your policy up a decade ago and haven’t made any changes since, it’s possible you don’t have any coverage at all. 

Different Schools of Thought 

If you do have possession coverage, the major items are usually covered. This includes anything from your furniture to your electronics and clothes. However, the actual reimbursement will be different depending on who you choose to partner with. For example, you might only have a fraction of the original value covered. You also will have limits imposed on the total amount covered. This means that if you’ve recently made a big purchase, you may need to update your coverage terms. 

Call Rob Hill Insurance Group

Our team is here to help the people of Atlanta, GA get answers to their questions. If you want to ask about your vintage lunchbox collection or brand new flat-screen TV, we’re here to start a conversation. Contact Rob Hill Insurance Group today to find out more. 

When you should I get auto insurance?

Posted on by admin

Anyone that lives in the Atlanta, GA area would benefit greatly from having a car. If you are a vehicle owner here, you will need to make a lot of important decisions. One decision that you will have to make will come when you want to choose an insurance policy. There are a variety of situations when getting auto insurance will be a good idea for you. 

When Driving on a Public Road

When you need to get auto insurance, you will come when you want to drive a car on a public road. Anyone who would like to drive their car in Georgia will have to comply with auto insurance’s state rules. If you choose an auto insurance policy here, you need to make sure that it includes liability insurance. When you have this coverage, it can ensure that you can pay for any damages that you cause in an accident.

When Taking Out a Loan

Another situation when you need to make sure that you have proper insurance is when you are going to take out a loan. If you take out a car loan, some insurance rules need to be met. A quality auto insurance policy will need you to have both collision and comprehensive insurance coverage. This could ensure that your vehicle is covered if it is stolen or damaged.

If you are going to get an auto insurance policy here, you should call the Rob Hill Insurance Group. When you do call the Rob Hill Insurance Group in the Atlanta, GA area, it can ensure you receive the guidance and support you need. This will ensure that you are in compliance and have proper protection. 

Rob Hill Insurance Group | Website Development by EZLynx® • Copyright © 2024. All Rights Reserved.

Privacy Policy