Lloyd Pro Group

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!

Posted at 8:20 pm: No comments

Friday the 13th and Your Atlanta Auto Insurance

January 13th, 2012 by Lloyd Pro Group

The unluckiest day of the year is upon us… Friday the 13^th. The agents at Lloyd Pro Group, your Atlanta auto insurance professionals, want to wish you a lucky day! Whether you are superstitious or not, Friday the 13^th just has that history of being unlucky. But here’s some lucky news already – it is NOT the unluckiest day for Atlanta auto insurance claims!

What is the unluckiest day for car crashes and auto insurance incidents? It’s actually Monday the 27^th. Over a million insurance claims in the last few years, car accidents (and home insurance incidents) are more likely to occur on Monday the 27^th than Friday the 13^th or any other day of the year.

The most widespread superstition is Friday the 13th:

-          Numerology, as reflected in the 12 hours of the clock, 12 months of the year, twelve tribes of Israel, twelve gods of Olympus, twelve apostles of Jesus, The number 13 was considered to be irregular, therefore bad luck.
-          The Canterbury Tales brought unluckiness to Friday. Biblical roots also trace back to Friday as the day of the great floods, the day Jesus was crucified, and the day that Adam and Eve disobeyed God, bringing sin into the world.
-          The combination of Friday and the number 13 is considered doubly unlucky, leading some people to suffer from paraskavedekatriaphobia – a fear of Friday the 13^th.

The superstition is so widespread that many cities do not have a 13th Street or a 13th Avenue. Many buildings don’t have a 13th floor. Some people believe that if they start a trip on Friday they will encounter misfortune. Some people refuse to go to work on Friday the 13th; some won’t eat in restaurants; many wouldn’t think of setting a wedding on the date. There are an estimated 17-21 million people that are affected by their fear of this day.

Of course, your agents and friends here at Lloyd Pro Group would recommend you be careful each day. Enjoy your day and be safe, whether it is Friday the 13^th, Monday the 27^th, or any other day. Whether you suffer from fear of Friday the 13^th or not, give us a call at 770-497-1200 for an Atlanta auto insurance quote today – it might just turn out to be your lucky day after all!

Posted at 8:21 am: No comments

Atlanta Car Insurance and the 2012 Car of the Year- Hyundai Elantra

January 9th, 2012 by Lloyd Pro Group

Hello, Atlanta Car Insurance- 2012 Car of the Year is the Hyundai Elantra

Lloyd Pro Group, your Atlanta car insurance hub, wants to not only make sure you have the best coverage and rates for your Atlanta car insurance, but that you are well informed about any and all important news in the car industry world. For example, the big news today (besides Tebow bringing the Denver Broncos to a win last night over the Pittsburgh Steelers, knocking them out of the 2012 NFL Playoffs) is the announcement of the 2012 Car of the Year- the Hyundai Elantra!

Hyundai’s acceptance of this prestigious award came as a surprise, as it bested the Ford Focus and the VW Passat, 2 very strong contenders for this year’s title. The winner of the 2012 Truck of the Year went to the Land Rover Range Rover Evogue, which is really technically a crossover, took it from the Ford Explorer last year.

When purchasing a new (or just new to you) car, there are many factors that you have to consider including design, safety, handling, gas mileage, and price. Is it going to fit your lifestyle and character? Then there are all the goodies to go with it and color. Hopefully the Car of the Year competition will help in your choice. One more important thing to consider: your Atlanta car insurance.

Posted at 12:19 pm: No comments

877-341-5728

Lloyd Pro Group

The most widespread superstition is Friday the 13th:

Hello, Atlanta Car Insurance- 2012 Car of the Year is the Hyundai Elantra

Archives

Categories