Rebuild costs in North Atlanta have climbed 30 to 40 percent since 2020.
5 min readInsights
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Market Update Georgia
Rebuild costs in Forsyth and Gwinnett counties have climbed 30 to 40 percent since 2020. Most policies have never been updated.
Coverage Explained Georgia
Most small business owners are either overinsured on the wrong things or underinsured where it matters.
Coverage Explained Georgia
A $1 million umbrella policy costs $150 to $300 per year. Most Georgia families who need it do not have it.
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Rebuild costs in North Atlanta have climbed 30 to 40 percent since 2020.
5 min readPremiums have risen since 2022 for reasons unrelated to your claims history.
5 min readDwelling limits, wind and hail deductibles, and flood exclusions are the gaps most policies have.
5 min readA 2 percent deductible on a $400,000 home means $8,000 out of pocket before your insurer pays anything.
4 min readA transparent look at agent commissions and why the independent model works in your favor.
4 min readThe moment you rent to a paying tenant, your standard policy may no longer apply.
3 min readYour dec page is the one-page summary of your policy. Here is what it contains and why it matters.
3 min readA $1 million umbrella adds coverage above home and auto for about $200 per year.
4 min readMost small business owners are either overinsured on the wrong things or underinsured where it matters.
5 min readEvery Georgia homeowners policy excludes flood. Here is how NFIP and private flood compare.
4 min readPersonal auto policies exclude business use. Here is when commercial auto applies and what it covers.
4 min readGL covers third-party bodily injury, property damage, and advertising injury for Georgia businesses.
5 min readEach county has distinct carrier appetite, hail exposure, and fire protection ratings.
5 min readGL excludes professional services claims. Here is who needs E&O and how claims-made policies work.
4 min readA $1M umbrella adds liability above home and auto for $150 to $300 per year in Georgia.
4 min readRenters insurance costs $12 to $20 per month. Most tenants skip it. Here is why that is a mistake.
4 min readGeorgia requires workers comp for businesses with 3 or more employees, including part-time workers.
5 min readA BOP bundles commercial property and GL. Here is what it covers, what it misses, and who needs it.
5 min readRansomware, data breaches, and wire fraud are the three most common cyber claims for small businesses.
5 min readConstruction costs rose 35 to 45 percent since 2020. If you have not updated your dwelling coverage, you likely have a gap.
4 min readGeorgia minimum limits were set in 1991. A single ER visit now exceeds the entire per-person limit.
4 min readTeen drivers, pools, short-term rentals, and home businesses all have coverage nuances worth knowing.
5 min read