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.

Reducing Points on Your License in Georgia

At eleven points on your record, they take your license away. Even one point will make it hard to get the best possible coverage. So how do you get rid of them? Here are some ideas:

Seek to Get a Ticket Dismissed

Easier said than done. Honestly, your chances of having a ticket dismissed are pretty slim, but, it’s worth a shot when you’re all out of ideas. The points are already going on your license, so the worst they can do is not dismiss the ticket.

Wait Three Years

Okay, you’re probably not going to be able just to stop driving for three years straight. For Atlanta, GA drivers, the points only stay on your record for three years. When they finally come off, you can renegotiate with your insurer and get a better deal through H2M Insurance. This only applies to minor offenses, of course. For more serious charges like DUI, it can take over a decade.

Take a Defensive Driving Course

A defensive driving course will automatically get points stricken from your license, and, by law, this will lead to lower premiums in Atlanta, GA, and the surrounding areas. You can take a traffic course up to five times over the course of your lifetime to have points removed from your license, and you can go once a year for this purpose. You can go more frequently than that to prove that you’re a safe driver, but legally speaking the benefits do have some limitations.

Having a few points on your record isn’t the end of the world. You’ll want to drive more cautiously in the future, of course, but points on your license can be managed. 

Reach out to an agent at H2M Insurance to learn more about auto insurance and your license. Also, try our online rating tool for quotes on auto insurance.

Useful Home Insurance Points to Know If Your Home is the Teen Hang-Out Spot

We don’t just like to look cool at H2M Insurance, we really are cool. Maybe you are too. Whether you are located tin the Winder, GA area or in the surrounding areas such as Atlanta, Athens, or Columbus chances are your home is the cool place for your daughter’s or son’s teenage friends to hang out. It could be the pool or the fact that you have the best snacks on hand. Whatever the reason, you should make certain that your insurance coverage is sufficient to handle the teen onslaught.

If there is a lot of horseplay among a group of teenage wrestlers you want to make sure your policy includes a fair amount of liability insurance up and above the normal portions. Nothing will probably ever happen but you want to be sure in the case someone is hurt at your home.

Most policies cover if the injury occurred elsewhere but was committed by someone living in your domicile. If your home is the spot that they usually all congregate, why not have your insurance agent go over this particular arm to be sure of where you stand.

Make certain all recreational amenities are protected according to your policy and local law mandates. Pools are typically gated and trampolines should have safety netting surrounding them.   

Feel free to come into the convenient offices of H2M Insurance today if you are in the Winder, GA area. The time to ask how much insurance you need on your home is right now. The policy you took out when you first purchased your dwelling most likely needs an overhaul or at least a thorough review. Reach out to our agents and we will do our best to address any questions or concerns you may have.

Insurance Basics for Small Businesses

Owning your own small business is an outstanding achievement and should make you want to protect your investment. Having commercial insurance is the first step to keeping your business safe and secure. With a variety of coverage to choose from, you’ll be able to keep your business running smoothly. H2M Insurance in Winder, GA has agents available to help you navigate through the information you may need to secure a new commercial insurance policy.

Basic Business Coverage

  • Commercial General Liability – If someone is injured at your place of business, you open yourself up to a lawsuit. General liability could help protect you in these circumstances.
  • Commercial Auto Insurance – If your business uses a vehicle, you’ll need to be fully covered.

Business Owners Policy

When your business begins to grow, you’ll need to expand your coverage, which may include a Business Owners Policy (BOP). BOP is additional commercial insurance that can give you extra protection for your property and could replace lost income.

  • Income Interruption – If at any time, you have damages to your property that prevent your business from operating, having a BOP could help offset any lost wages or income.
  • Property – The building’s structure is generally not covered by liability. If your company has property damage, you may be covered with BOP insurance.

Additional Commercial Insurance Coverage

  • Product Liability Insurance – Protects you if your product is defective and causes damages to an individual.
  • Professional Liability – Is insurance that gives your business protection if the service you provide causes injuries to a customer or patient.
  • Employment Practices Liability Insurance (EPLI) – Coverage for claims can include inappropriate workplace conduct, wrongful termination, discrimination, and harassment.

Stop in our Winder, GA offices so our professional agents can get your commercial insurance started today. At H2M Insurance, our independent agents can also help answer all your insurance questions with a quick phone call or visit to our office today.

Is Raising My Auto Insurance Deductible a Good Idea?

When looking for auto insurance in the Winder, GA area, you may have received a quote from H2M Insurance that showed a lower premium when you opted for a higher deductible. While it seems like a good way to save a few dollars on your monthly bills, is it really the best choice for you?

Can You Afford a High Deductible?

If you generally have a healthy rainy day fund and can replace the large deductible without creating a serious problem for your lifestyle, the higher deductible option might work for you. While it isn’t likely you’ll have a car accident next week or maybe even this year, the fact is at some point everybody is involved in an accident that results in major repairs to their vehicle at some point. If the higher deductible would pose a serious problem for you to pay, it may be wiser to pay the higher premium.

Low Deductible Minimizes the Trauma of an Accident

Most people who own a vehicle can pay the standard deductible to cover emergency repairs without causing a serious dent in their checking account or lifestyle. While dealing with the inconvenience of putting your car in the shop can be a pain, the impact on your life isn’t long lasting. Thus, when you have a low deductible on your plan, fixing up the fender bender really results in nothing more than a few extra appointments around town and some paperwork. 

If you’d like to learn more about your monthly premiums for your Winder, GA auto insurance, give your agent at H2M Insurance a call. They’ll be happy to help you out. You can also visit our offices for a more personal experience, but if you are stuck at home, try our online rating tool to get quotes on your auto insurance policies.