Lloyd Pro Group

Catering for your party? Remember food safety!

February 3rd, 2012 by Lloyd Pro Group

Are you planning to host a party or special celebration at your home in Georgia? Feeding a crowd is different from catering for a family, and although homeowners insurance in Georgia may provide compensation if a guest is harmed we’re sure you would prefer to take steps to avoid any chance of mishaps and accidents.

Preparing, storing, and serving party food safely can pose some practical problems:

Think about how you will you keep cold food cold and hot food hot.
Don’t mix cooked and uncooked foods.
Consider renting a refrigerator for a few days if you need to refrigerate food prepared in advance.

You are familiar with your family’s tastes and special food needs and when cooking for your family, you will avoid some dishes and ingredients. Be sensitive to your guests’ needs when you are catering for a crowd:

Include some options for people who have specific requirements, such as vegetarians and people who have religious dietary needs.
Use allergy alert labels to warn your guests about dishes that contain nuts, gluten, fish, or other potentially problematic ingredients.

It’s important to consider food safety when planning the catering for your event. Ask your agent about the protection offered by the liability portion of homeowners insurance in Georgia, and check whether there are exclusions or limitations for accidents and mishaps at your celebration!

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Flying People in New York City affects Auto Insurance

February 3rd, 2012 by Lloyd Pro Group

Although the flying people in New York City were created for the movie coming out this weekend, Chronicle, it makes me wonder, how many people had car accidents (or even walking down the street running into things) upon seeing the flying people!! Do you think the creators, who flew the strategically shaped radio controlled airplanes around and over the bridges of New York City, thought about the effect of driving patterns and auto insurance?

Flying people in New York City video

Although beautiful, and more like dancing in an air ballet, these 4 pound flying people in New York City have made many jaws drop. 3 flying people hovering over Lower Manhattan, stunning those near the Brooklyn Bridge, Statue of Liberty, and around the East River have had to have some effect on onlookers auto insurance.

So what would you think if you were driving down the road and saw 3 flying people whizzing through the skies of NYC? Confusing residents and drivers, calls to 911 flooded the NYPD. A 150 car pileup on the Brooklyn Bridge says they were a little stunned and confused. Anything in the skies after 9/11 would have been a little unnerving. Residents’ auto insurance is at stake and who will save them?

What do you think about it? The viral campaign to promote the movie is quite clever- and boy, has it gone viral. It just goes to show you that as amazing as it seems, if you see flying people around your town, just stay calm and keep your eyes on the road. Lloyd Pro group, your auto insurance super heroes, can save the day! We offer great auto insurance rates and coverage and can help you with all your insurance needs.

Posted at 5:48 am: No comments

How is landscaping covered by my homeowners’ insurance policy in Georgia?

January 27th, 2012 by Lloyd Pro Group

A shady spot under a mature tree can be a haven in summer. Extreme winter weather can take its toll on your carefully landscaped garden and cause irreparable damage to trees. However, rather than fixing the problem, many homeowners are uncertain whether or not landscaping is covered by homeowners insurance in Georgia

Coverage for the loss of garden trees, shrubs, and plants is generally included in the personal possessions portion of standard homeowners insurance policies. The amount of coverage is typically around 5% of the insurance value of the buildings, so if your home is insured for $200,000, there is likely to be $10,000 coverage for landscaping.

Have you considered engaging expert help to make your trees are more able to withstand heavy winds? An arborist can help to maintain trees by training, pruning, and improving their shape, structure, and appearance. Arborists are also able to advise you on the types of trees that are best in specific locations, and can help you to decide how your garden should be restocked with plants if it has been severely damaged.

In the event that you are unsure how much landscaping is covered by homeowners insurance in Georgia, read the policy terms or talk to your agent. A standard homeowners policy may have a per item limit, so you might want to consider purchasing additional coverage to make sure that expensive plants and trees are fully insured. You may also want to think about purchasing coverage for wind damage in your garden!

Posted at 8:03 am: No comments

Your Atlanta Real Estate Closing and Atlanta Homeowners Insurance

January 23rd, 2012 by Lloyd Pro Group

Congratulations! You have decided to purchase a new home! You found your dream home, the numbers have been accepted, offers signed, ready for closing. But what have you overlooked that you absolutely must have to close on the home to make it yours officially? Atlanta Homeowners insurance. 39 300x199 Your Atlanta Real Estate Closing and Atlanta Homeowners Insurance

Did you know that you can’t complete your Atlanta Real Estate closing on your new home without having your home insurance in place by closing time? Many buyers don’t. This is one big reason why homes don’t close on time and closings get delayed. So to avoid increasing closing costs and upsetting your Realtor, make sure you call us now to have your homeowners insurance ready! We can do quick turnaround home insurance in these emergency cases!

This is where Lloyd Pro Group Insurance comes in. Representing Nationwide Insurance and many other carriers, we have the Atlanta homeowners insurance that is just right for you! Give us a call at 770-497-1200 to ensure that you have the coverage you need to close on that perfect home for you and your family.

Posted at 2:07 pm: No comments

What factors affect your Georgia Homeowners Insurance costs?

January 20th, 2012 by Lloyd Pro Group

Have you ever wondered what influences the cost of homeowners insurance in Georgia? Homeowners’ insurance premiums vary widely because they are based on insurance risk. Let’s look at just a few of the many factors that might influence insurance providers’ premium charges:

Homes in neighborhoods with high incidence of break-ins have higher premiums than homes in low-risk neighborhoods.
Homes that are some distance from a water source such as a fire hydrant are more expensive to insure; this is because any delay in extinguishing a house fire increases the risk of damage and the cost of restoration.
A large home constructed from high quality materials costs more to replace and is therefore more expensive to insure than a smaller home built from standard materials.
The standard of a home’s electrical installation influences insurance premiums. A home where electrical wiring has been renewed to code standards is at lower risk of fire damage and costs less to insure than a property with outdated wiring.
Roofs have a finite life; premiums may be lower for a home with a new roof than a similar one that has a roof that is reaching the end of its service life.

It’s not only the building and its location that affect insurance risk. A householder who has a poor insurance score (a measure of insurance risk based on financial information such as credit history) may have to pay higher insurance premiums than a policy holder who has a good insurance score. Many complex factors come into play when insurers calculate insurance risk and premiums for homeowners insurance in Georgia. But we are here to guide you through the process so you can keep your entire family protected!

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