The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you to minimize any coverage surprises. What property and perils are excluded from my policy?

One of the worst things that can happen to a homeowner is being forced to leave their home. Whether it be due to a natural disaster, an accident, a fire or any other potential issues, there is always a chance that you may be forced to vacate your dwelling unexpectedly. Of course, if you have

Whether they’re transporting materials and tools to worksites, hauling goods for deliveries or driving to meet clients—companies of all kinds rely on safe and functioning vehicles to serve customers and generate profit. As such, commercial auto insurance has become invaluable for any business that operates vehicles as part of their operations. However, exposures related to

Did you know that floods are the most common form of a natural disaster? Floods cause over $4 billion dollars in damages every year. Here is another amazing fact; the average homeowner has a 1 in 4 chance of having flood damage during the time frame of a 30-year mortgage. If your home is in

Examine Your Risk The restaurant industry can be especially competitive, and it’s a constant challenge for owners to deliver exceptional food and service, maintain a loyal customer base and ensure a safe work environment. These challenges are magnified when you consider that restaurants often have a number of risks associated with them and a variety

If the last time you had an insurance review was when the Braves won the World Series, it is time to have us review your business and personal insurance. Our team is ready to help you understand how your insurance needs have changed over time. All of the following can impact your insurance: How often

Almost all of your personal property is insured under your homeowner’s policy; however, most valuables have a sublimit that may leave you severely underinsured. We are talking about; jewelry, guns, cameras, silverware, crystal, china, sporting equipment, art, and other expensive items you may own. The best way to protect your valuables is through a scheduled

News article taken from gainesvilletimes.com With its giant white pillars, two floors and nearly 15,000-square-foot space, the new Turner, Wood & Smith Insurance building is a spectacle to behold. During the Greater Hall Chamber of Commerce’s Business After Hours on Thursday, May 2, people got a closer look at the headquarters. The Turner, Wood &

When auto, renters’ or home insurance isn’t enough, a Personal Umbrella Policy has you covered. The Personal Umbrella Policy was designed to provide coverage in the event of a catastrophic claim, lawsuit or judgment. What An Umbrella Policy Covers Personal umbrella policies provide excess liability insurance over your basic primary policies, such as your home insurance, personal auto and boaters