Do You Need Commercial Insurance for Home Businesses?

Home businesses are a great way to get a feel for business without having to buy a separate building or invest thousands of dollars into creating it. This is going to allow you to have a business and make money with the property that you already own while keeping work close to home. You need to take the time to find out what type of policy you need when starting or continuing a home business so that your business and yourself are protected. For those that live in the Atlanta or Winder, GA area, the agents with H2M Insurance can help you find the right policy.

A Commercial Policy for your Home

When you own a home business, you can take out a commercial policy, but it is not necessarily needed. In most cases, you do not need to take out a commercial policy on a home business simply because the business would be covered on your home insurance policy due to the nature of it and the fact that it is housed within the home and would, therefore, be considered part of the property within the home.

The real issue comes when you need to help protect the employees that you have in your business. If you have large amounts of inventory over what would be covered in your homeowner’s policy or if you have employees that come to your home to work for your business, odds are a commercial policy would be beneficial. You should take the time to talk with an agent about what type of policy is going to work best for your particular business and needs.

 If you live in the Atlanta or Winder, GA area, the agents with H2M Insurance can help you tailor your policy to your business and your needs.  

Life Insurance for College Students

As a college student, you probably assume you need to think about life insurance for many years to come. The only things you worry about right now is conquering biology, making it to class on time, and dodging the next hangover. But there are some pretty good reasons you should consider purchasing life insurance. In Winder, GA, H2M Insurance has independent insurance agents to help you with life insurance while you’re in college.

Student Loan Debt

Student loan debt is rapidly rising. Many students need to take out private loans in order to pay for their tuition, books, and other student expenses. When taking out a private loan, students will most likely need a co-signer. A co-signer is someone who is obligated to take on the debt if the original loaner can no longer make payments. In the case of federal student loans, your debt is canceled upon your death. This is not true when it comes to private loans. The banks will come after the co-signer, which are most likely your parents. Having life insurance can ease the burden of the debt after you’re gone.

The Married Student

Hundreds of college students get married while they are in college and some even have children. If a spouse dies with tons of student loan debt, then the partner will be obligated to pay it back. With a policy such as term life, the surviving spouse can use the insurance to pay for the loans, funeral expenses, other debts, as well as help provide for any children.

Don’t wait. Call now. Get life insurance just by simply getting in touch with the independent agents at H2M Insurance in Winder, GA. We can also help you with any other insurance policies you may need including auto, home, or commercial insurance. Reach out to us for more information.

What are the latest in home security devices?

You want to keep your home secure from intruders, not only to secure your possessions but to keep your family safe. H2M Insurance, serving Atlanta and Winder, GA, points you to some of the latest in home security systems, courtesy of HGTV.

  • Piper is an integrated camera and alarm system that contains a 180-degree camera and the ability to call or text you if it detects an intruder. Door and window sensors are an add-on feature.
  • Lowe’s Iris contains a motion detector and two window and door sensors that you can control from a smartphone. It will send you a message if it detects an intruder.
  • Drop Cam includes a camera and a two-way audio system that comes with night-vision capabilities. It will alert your smart device or computer if it detects someone moving in its line of view.
  • Belkin WeMo will automate your house by controlling when the security cameras come on as well as turn the lights and stereo on and off to provide the illusion of someone being home.
  • August Smart Lock permits you to open your door with a code from a smart device, eliminating keys entirely. You can control when certain people have access to your home as well.
  • Brinno Peephole Viewer improves on the standard door peephole by projecting who and what is on the other side on a small LCD screen.
  • Skybell Video Doorbell allows you to see who is at the door even if you are out of the house and communicate with them as if you are still at home.
  • The STI Rex Plus II Electronic Watchdog barks like a dog when an intruder approaches a door or window.

For questions on home insurance, contact H2M Insurance, serving Atlanta and Winder, GA. We can help you find the insurance you need for your home.

 

How Commercial Insurance Can Help Your Small Business

Owning a business is a dream for many people. For those that are in the Winder, GA area, making sure that the business is adequately protected is extremely important. There are several benefits and types of coverage that are provided with commercial insurance policies. 

Liability Protection

One of the most important benefits of having a commercial insurance policy in place is that you can receive liability protection. All businesses take on a certain level of liability when they create a product or service, have employees, or have customers come to their place of business. Since there is always a risk of being found liable for an accident, having a commercial insurance policy in place will be very beneficial.

Property Coverage

One of the most important assets that any business will have is its real estate. If you own the property your business is located on, it can be a great long-term investment. Since this is such a valuable asset, having a property coverage policy in place on your commercial insurance is very beneficial. This will provide coverage for both your property and its contents in the event it is damaged, vandalized, or if some items are stolen. This could end up saving you a considerable amount of money if a claim is filed.

Ensures Compliance

Another reason why having commercial insurance in place is a good idea is that it will help to ensure your compliance. Several different types of insurance are either required by law or by lenders or landlords. For example, if you have employees, you will be required to carry workers compensation insurance. This will provide coverage in the event an employee is injured while at work. 

Since commercial insurance can provide such valuable coverage, having a quality policy in place is a necessity. For those that are in the Winder, GA area, H2M Insurance is a great insurance company to contact. H2M Insurance will help to ensure you find a policy that provides you with the coverage you need. Reach out to our Georgia offices to speak with an agent and get a quote.

Life Insurance: Protecting Your Children

When someone dies, many financial burdens fall on the family- usually, on the children of the deceased. Funeral costs, burial costs, hospital bills, and travel expenses can all add up for survivors. You want to make sure that your life insurance policy has a high enough payout that your children will not be weighed down with any of these costs. A life insurance policy can even go towards your children’s education by paying for college or even their wedding. Typically, when you pass away, any beneficiaries that you list on your policy will receive a payment in a lump sum, quickly easing any financial burden. This payment is known as the death benefit.

As a parent, you want the best for your children. You’ve taken care of them since they were in diapers, and you want them to be taken care of after you pass on. While it can be hard to think about, it’s important to consider how your children would be taken care of in the event that something would happen to you. A high-quality life insurance policy from H2M insurance, serving the Atlanta, GA area, will ensure that your children will have a stable financial future in the event of your passing. 

Call an agent at H2M Insurance, serving the Atlanta, GA area, today to discuss a life insurance policy that makes sense for your family’s needs. We have various policies that we can walk you through, such as term and whole life, and can educate you on the differences. Our agents invite you to contact them for a quote and to discuss your future.

Why you should file a claim as soon as possible in the wake of a natural disaster

One of the awful things about a natural disaster is how many people it adversely affects in a given area. A hurricane or a tornado can cause damage to thousands of homes in a small area, as Harvey did in Texas, Irma in Florida, and Marie did in Puerto Rico. You pass through the disaster with often thousands of dollars in damage to your home, the roof blown off, the rooms flooded, and secondary damage done by days without electric power. In such circumstance, H2M Insurance, serving Winder, GA, advises you to file your claim as soon as possible.

Why You Shouldn’t Wait

Natural disasters are horrible for homeowners, but they are highly lucrative for companies that specialize in cleaning up and repairing the damage. People who have been caught in natural disasters often experience delays in getting their damage repaired simply because there are too few skilled workers having to do too much work. Even when construction companies call in people from out of town, there are only so many roofers and other skilled construction workers to go around. You could be facing weeks and even months before your damage is repaired, and you are made whole.

You should file your claim as soon as the danger has passed. For no other reason, that getting to the front of the line is better than waiting. The sooner a claims adjuster can come out to your home and assess what needs to be done, the sooner you can arrange for a reputable construction company to start repairing your home, and the sooner you can get on with your life.

For any questions involving home insurance, feel free to contact H2M Insurance serving Winder, GA. Also, try our online rating tool for quotes on home insurance.

Will Commercial Insurance Cover Professional Disputes?

Commercial insurance is like any other form of coverage in that it can be confusing and it’s based on what you want to cover. But since it’s difficult to go over everything that can possibly be covered, many owners choose their policy based on price as opposed to real-world protections. If you’re concerned about professional disputes, H2M Insurance may be able to help you decide on a better solution. If you live in the Atlanta or Winder, GA area, there’s no better time to find out how to keep your business alive, even in the case of a nasty professional dispute. 

How Professional Disputes Work

Let’s say that you own a wedding cake business that caters to some of the most expensive weddings in town. One day you get two of your orders confused, so a strawberry cake goes to the wrong reception hall, and your chocolate cake does too. If your customer asks for a refund, then this may be a perfectly acceptable request. But what if your customer asks for several million dollars because you ruined their entire reception? What if the groom is allergic to strawberries and goes into shock at his own wedding? Professional disputes can get rather messy rather quickly, and they can eat up far more resources than you can imagine. 

Finding Help 

Commercial insurance can help you during a case like this, but you need to have the right policy. From lawsuits to settlements to medical bills, you need to have the right people by your side. If you’re in Winder, GA and looking for a little extra guidance when it comes to professional disputes and commercial insurance, call H2M Insurance. Our staff has the know-how to get you a policy that protects against all claims — no matter how big or small. 

Can My Kids Access the Cash Value of My Life Insurance?

H2M Insurance, serving Atlanta, GA, wants you to know a few tips for life insurance. It is paramount that you have life insurance to protect your loved ones in the event of a loss. In fact, the younger you are when you buy this type of insurance policy, the better off you are because your rates may be lower. It is crucial that you get a policy as soon as you can to lock in a low rate. You don’t want to get to the point that it will be too costly for you to purchase a policy. 

What is life insurance?

The primary purpose of investing in life insurance is that it helps you have peace of mind in knowing that your loved ones will be financially protected in the event of your death. The amount of money that they will receive once you pass away is determined by the policy you invest in. The higher the amount of coverage, the higher the premiums. But once again, the younger you are when you buy a life insurance plan, the lower the rate you can lock in.

Can kids access the cash value?

Many policies come with a cash value, meaning the money you invest in them can be accessed before you pass away. It’s like a savings fund that serves two purposes – the ability to access its cash value and the ability to serve as a life insurance plan. If your kids need money before you pass away, you can always let them tap into the cash value of your policy, but they will need your permission to do this. 

To learn more about accessing the cash value of your life insurance plan, contact H2M Insurance serving the Atlanta, GA area. 

Factors to Consider while Shopping for Home Insurance

If you are starting to search for a new home, an essential aspect of moving is insuring your investment. Protection from unforeseen disasters and accidents will allow you to live comfortably and responsibly.

Like other types of insurance, you need to find a plan that suits your specific needs. There are numerous factors to consider before settling for a policy that can cover your needs. H2M Insurance offers all the residents of Atlanta and Winder, GA multiple home insurance policy options.

Some of the factors to consider when buying home insurance includes;

The content in your home

Taking an inventory will help you determine how much insurance coverage you need. This knowledge is acquired by estimating the value of your property, which consists of the inventory in each room. For higher priced items, it may be a wise choice to have a professional appraiser come to your property to evaluate your possessions. Ensure that you do not underestimate your property as the costs can mount up very quickly.

Location of your home

Along with the size and the construction type, location plays a vital role in the type of policies available and determining the worth of your home. However, unlike some home buyers, insurance companies look for other factors such as school districts, restaurants, and other amenities within proximity. For example, a home that is located near a permanent fire department will favor your insurance compared to an area where there are no firefighters around.

Check if you have alternative accommodation and legal coverage

When your home becomes uninhabitable, you will need to arrange for other accommodations as it gets repaired. Check if the insurance company offers an alternative accommodation policy and the legal liability coverage to protect you in case a tragedy happens at your home. The legal or liability policy helps you in case someone becomes injured on your property.

These are some of the numerous aspects to know when purchasing a home insurance policy. If you need assistance in Winder, GA, do not hesitate to reach us at H2M Insurance. We will be glad to assist you in making the right decision.

Commercial Insurance: What It Is and Why You Need It

Do you own your own business? If so, you will want to consider investing in commercial insurance. Operating your company takes a lot of time as well as a lot of money and energy. Because you want to protect the investment that you make, you need to make sure you have the right insurance coverage; this is where commercial insurance comes into play. Different types of commercial insurance will, of course, provide various types of coverage. Let’s take a look at four protections that most commercial insurance policies provide:

  • Third-party lawsuits
  • Customer injuries
  • Property theft and damage
  • Client lawsuits

No, commercial insurance is not going to protect you as the business owner against everything, but it can be a lifesaver in many events. Take for example that someone breaks into your business and steals all of your company laptops. Not only have they stolen valuable property, but they have also stolen valuable virtual property, such as important financial information stored on the laptops. With commercial insurance, you can rest assured that your assets are covered under a variety of detrimental events. 

When you invest in a commercial insurance policy, there are three primary aspects to look at. First, you will want to look at the policy’s deductible. Most deductibles are relatively expensive, but concerning the coverage provided, the deductible is well worth what you receive. For example, if you have a $250,000 claim and your deductible is $14,000, then the compensation you receive beyond your deductible is well worth what you have to pay out of your pocket. The two other parts of the policy that you will want to look at are the policy limits and any exclusions. 

To learn more about commercial insurance, contact H2M Insurance today serving the Atlanta and Winder, GA area.