At Premier Choice Insurance in Buford, GA, we care about our community. It is important to us that the residents of the area are secure in their home and car with policies that cover their needs. Here is some information that is important in the state of Georgia when looking for Auto or Homeowner’s insurance.
Auto Insurance Minimum Coverage Amounts
In the state of Georgia, you are required to have the minimum coverage amounts on your auto policy. The bodily injury liability minimum coverage requires a minimum amount per person or per accident. Property damages liability must be held at a minimum amount for one incident. This covers any damages that are incurred such as hitting a mailbox, shrubs or trees, damages to a lawn, or any other property in an accident.
You can have additional auto insurance coverage if you choose to do so. Collision coverage pays for any damages to your car in the case of a traffic accident. It covers anything from a dent in your bumper to major bodywork needed to return your car to the condition it was in before the accident.
Comprehensive coverage covers your vehicle in non-collision damages. This can cover any damages due to vandalism, damages from hail or a tree falling on your vehicle.
Medical and funeral services is an additional coverage that you can choose in the case that you have no funeral or burial insurance.
Uninsured drivers coverage covers you in the case that an accident was not your fault and the other driver did not have insurance. In this case, your insurance will cover your damages to your vehicle. You can also choose to add a rental car to your insurance so that in the case of an accident, you can get a rental car while your car is being repaired in the auto shop.
Georgia Homeowner's Insurance
In Georgia, you are not required by state law to have homeowner’s insurance; however, if you have a loan on your home, you will need insurance on your home and property to protect your mortgage lender. Homeowner’s insurance covers all of your property, buildings, and additions on your home or land as well as most of your belongings inside of your home. This can be quite tricky to get enough coverage so you are safe from disasters. For any more questions please contact our office in Buford, GA.
At Premier Choice Insurance, we can help you to find rates for both auto and home insurance. You can use our handy online rating tool to find a quote or give us a call to learn more.