Market UpdateGeorgia
Why North Atlanta Homeowners Are Underinsured Right NowRebuild costs in North Atlanta have climbed 30 to 40 percent since 2020.
5 min readMarket UpdateNational
Why Your Insurance Rates Went Up at RenewalPremiums have risen since 2022 for reasons unrelated to your claims history.
5 min readCoverage ExplainedGeorgia
Georgia Homeowners Insurance: The Three Common GapsDwelling limits, wind and hail deductibles, and flood exclusions are the gaps most policies have.
5 min readCoverage ExplainedGeorgia
Georgia Wind and Hail Deductibles: What Your Policy Actually SaysA 2 percent deductible on a $400,000 home means $8,000 out of pocket before your insurer pays anything.
4 min readCoverage ExplainedNational
How Independent Insurance Agents Actually Get PaidA transparent look at agent commissions and why the independent model works in your favor.
4 min readCoverage ExplainedNational
When Does Your Homeowners Policy Stop Covering Your Rental?The moment you rent to a paying tenant, your standard policy may no longer apply.
3 min readCoverage ExplainedNational
What Is a Declarations Page and Why Your Agent Needs ItYour dec page is the one-page summary of your policy. Here is what it contains and why it matters.
3 min readCoverage ExplainedGeorgia
Personal Umbrella Insurance: Who Needs It in GeorgiaA $1 million umbrella adds coverage above home and auto for about $200 per year.
4 min readCoverage ExplainedGeorgia
Georgia Small Business Insurance: What You Actually NeedMost small business owners are either overinsured on the wrong things or underinsured where it matters.
5 min readCoverage ExplainedGeorgia
Georgia Flood Insurance: NFIP vs Private FloodEvery Georgia homeowners policy excludes flood. Here is how NFIP and private flood compare.
4 min readCoverage ExplainedGeorgia
Georgia Commercial Auto Insurance: When You Need ItPersonal auto policies exclude business use. Here is when commercial auto applies and what it covers.
4 min readCoverage ExplainedGeorgia
Georgia General Liability Insurance: What It CoversGL covers third-party bodily injury, property damage, and advertising injury for Georgia businesses.
5 min readLocal RiskGeorgia
North Atlanta Insurance Markets: Cherokee, Forsyth, Gwinnett, North FultonEach county has distinct carrier appetite, hail exposure, and fire protection ratings.
5 min readCoverage ExplainedGeorgia
Georgia Professional Liability: Who Needs It and How It WorksGL excludes professional services claims. Here is who needs E&O and how claims-made policies work.
4 min readCoverage ExplainedGeorgia
Georgia Umbrella Insurance: How It Works and Who Needs ItA $1M umbrella adds liability above home and auto for $150 to $300 per year in Georgia.
4 min readCoverage ExplainedGeorgia
Georgia Renters Insurance: What It Covers and CostsRenters insurance costs $12 to $20 per month. Most tenants skip it. Here is why that is a mistake.
4 min readCoverage ExplainedGeorgia
Georgia Workers Compensation: Who Needs It and How It Is PricedGeorgia requires workers comp for businesses with 3 or more employees, including part-time workers.
5 min readCoverage ExplainedGeorgia
Georgia BOP Insurance: What a Business Owners Policy CoversA BOP bundles commercial property and GL. Here is what it covers, what it misses, and who needs it.
5 min readCoverage ExplainedGeorgia
Georgia Cyber Insurance: What Small Businesses Need to KnowRansomware, data breaches, and wire fraud are the three most common cyber claims for small businesses.
5 min readCoverage ExplainedGeorgia
Is Your Georgia Home Underinsured? How to Check in 2026Construction costs rose 35 to 45 percent since 2020. If you have not updated your dwelling coverage, you likely have a gap.
4 min readCoverage ExplainedGeorgia
Georgia Auto Insurance: Why 25/50/25 Is Not EnoughGeorgia minimum limits were set in 1991. A single ER visit now exceeds the entire per-person limit.
4 min readCoverage ExplainedNational
Personal Umbrella Insurance: Where It Applies and Where It Does NotTeen drivers, pools, short-term rentals, and home businesses all have coverage nuances worth knowing.
5 min read