Should Financial Difficulties Cause You to Cancel Your Homeowner’s Insurance?

With the average household debt in this nation high and job opportunities on the low side, many are looking for a way to cut costs. Your homeowners insurance in Georgia should never make the list, no matter how tough things get.

Your home insurance is more than just some expense you pay every month or every year – it has real value. Consider all the events your policy could compensate you for. The typical coverage includes losses due to fire, theft, vandalism, and windstorm. It also can aid you in liability claims after someone takes a tumble in your yard.

You may be thinking that if you have never filed a claim, your payments are only going to line the pockets of the insurance company. Remember – calamities can happen anytime, anywhere, and to anyone. You have been fortunate enough to not be affected by a disaster yet – what will you do if your luck changes after you cancel your policy?

A disaster can cost an individual tens of thousands of dollars. Many families in an otherwise good financial position may struggle to find this extra money, never mind people who are in poor financial health. Keep up with your homeowners insurance in Georgia so you can get help if such a situation should ever occur.

Resouces for financial help:
Financial Planning InfoGuide is a practical and free guide that includes information, resources and tools that will help you create a solution based on your resources, dreams and goals. allowing you to control the risks you take, achieve the independence and balance you want and even a higher standard of living for you and your family.

Consider safety when you remodel your kitchen and have our Homeowners Insurance in Georgia for protection!

Are you planning to remodel or update your kitchen? In planning the layout, the appliances, and fittings to be installed in it, make safety a high priority. By creating a safer kitchen, you can help to avoid some of the kitchen accidents that give rise to claims on homeowners insurance in Georgia.

Remodeling your kitchen is a perfect opportunity to design a kitchen layout that is efficient and safe:

• Aim to position the stove, refrigerator, and sink so as to provide what kitchen designers call a “work triangle”.  Most of the work in your kitchen will be done within this triangle, and careful placement of appliances creates an efficient food preparation space.
• Make sure that you have adequate power outlets and switches for all of the appliances you will be using in your kitchen.
• Choose energy efficient appliances. In the appliance showroom look for labels with high Energy Star ratings that have been designed with safety in mind and are more economical to operate.
• Make sure that you read and understand the instructions for any new kitchen appliances that you install. Keep user manuals in a handy place so that you can easily refer to them if you need to check on safe operation of your new appliances.

Emphasizing safety in kitchen design can help to reduce the risk of kitchen accidents. Remember to talk to your agent about your plans to remodel your kitchen, as investment in remodeling your kitchen may have implications for homeowners insurance in Georgia!

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Leap Day 2012 and Home Insurance

2012 is Leap Year. But many of us are unclear about why we have Leap Year. What’s the purpose of adding an extra day to February (an already short month) every 4 years? And if I write my home insurance policy on Leap Day, how does that work when I have to renew?

February 29th, also known as leap day, is a date that only comes every four years. Leap day is added to the calendar in leap years to keep our alignment with Earth’s orbit around the sun.  And of all people, who do you think introduced the concept of (later corrected) Leap Years? Julius Caesar!

Here’s the math: It takes the Earth approximately 365.242199 days (a tropical year) to orbit around the sun. Since the calendar has only 365 days in a year, we must add a day on (February 29) nearly every 4 years to balance it out. That’s where that .242199 comes in. Otherwise, we would lose approximately six hours off our calendar every year. After only 100 years, our calendar would be off by approximately 24 days!

 In relation to your home insurance, you may wonder if it is okay to write an insurance  policy with an effective date of February 29. The answer is YES! Our home insurance system has the logic to handle new business written on leap day. The policies with an effective date of February 29th will renew on February 28th in the following year. So enjoy that time and write that home insurance policy- and when we always say “I wish I had another day” this year, you actually do!

Catering for your party? Remember food safety!

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

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.