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1001 Oak Rd SW, Ste 3
Lilburn, GA 30047

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How Does Condo Insurance Differ From Home Insurance?

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If you have recently purchased a condo or are looking to purchase one in the near future, you may come to learn that you will need to purchase condo insurance. One of the questions that people have when they first hear about condo insurance is how exactly condo insurance differs from home insurance. Here at Garrison Insurance Group, serving the greater Lilburn, GA area, we want to help answer any questions you may have.

Here is more information about how condo insurance differs from home insurance. 

How Does Condo Insurance Differ From Home Insurance?

Condo insurance, also known as HO6 insurance, covers your personal property and the interior of your condo unit, such as walls, floors, and fixtures. It also provides liability coverage for accidents that occur inside your unit or that you are responsible for, such as damage caused to a neighbor’s property.

On the other hand, home insurance, also known as HO3 insurance, covers the structure of your entire home, including the roof, walls, and foundation, as well as your personal belongings. It also provides liability coverage for accidents that occur on your property or that you are responsible for.

Another difference between the two policies is that condo insurance may include coverage for certain shared areas, such as the lobby or swimming pool, which are owned by the condo association. In contrast, home insurance typically does not cover shared spaces.

We Can Help!

While the basic idea behind condo insurance and home insurance is the same, what is covered can vary between the two different types of policies. If you are looking to purchase a new condo insurance policy in the greater Lilburn, GA region, Garrison Insurance Group would love to help you. Call us today to obtain an estimate. 

Why Life Insurance is Necessary When you Turn 65

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When you reach a certain age, like the age of 65, it might be time to think about obtaining life insurance.  Most people tend to retire at this age, and it could be beneficial to your loved ones if you were to pass away.  Our team at Garrison Insurance Group serving Lilburn, GA could work with you in finding the right type of life insurance plan for your needs.

Why Life Insurance?

Protects your Family

As was mentioned earlier, something could potentially happen to you when you turn 65 depending on your health.  In this case, you need financial protection for your spouse and children.  It could also be vital if you have children with special needs.  Most people buy life insurance to protect their families financially.

It’s Necessary if You’re in Debt

When you reach the age of retirement, you’ll likely be out of debt.  However, that isn’t always the case.  Many seniors are still paying off a mortgage or even have some student loan debt left.  A recent report study showed that 32% of people aged 70 and over were still making house payments in 2019.  If you are going through this, it’ll be best to have life insurance to pay off those debts.  It makes it easier to alleviate debt relief.

Life Insurance is an Important Aspect of your Financial Plan

If you have some financial goals for the future, having a life insurance plan could make it easier to achieve them.  Whether it is starting or growing a business, paying down debt, or just wanting to leave some financial protection for your family, having a life insurance plan makes things easier for you.  Work with a good insurance advisor in choosing a plan that’ll suit your financial goals.

Contact our Office Today

If you just turn 65, you must get life insurance to protect your family’s needs, pay down debt, or have it be a part of your financial plan.  Contact our Lilburn, GA office at Garrison Insurance Group to help you find the right plan today.    

Auto Insurance Claims: What You Need to Know Before Filing

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At Garrison Insurance Group, providing insurance products to residents in the greater Lilburn, GA area, we know that accidents can happen to even the best of drivers. If you have found yourself in that position, we want to help you understand what you need to know before filing an auto insurance claim. 

Consider the Deductible Versus the Damage

One of the first things that you want to do if you are in an accident is to consider your deductible versus the damage. If you were involved in a minor fender bender that left scratches on your car, it might be cheaper to repair the car on your own. However, if there is significant damage, you will want to file a claim. 

Be Sure to Have All of the Information You Need to File a Claim

If you have decided to file an auto insurance claim, make sure you have all of the information you will need on hand to make the filing process fast. This includes having the other driver’s name, license number, type of automobile, and insurance information, and being able to state how and where the accident happened and who you feel was at fault. 

Know That You Can Select Any Auto Body Repair Shop

Lastly, you should always be aware that you have the right to select any auto body repair shop that you wish. Take your time and research different local shops so you are selecting one that is reputable and reliable.

We Are Here To Help!

Filing an auto insurance claim after an automobile accident does not have to be stressful, especially if you know you have a great auto insurance policy that fully covers and protects you. Our team at Garrison Insurance Group, serving the greater Lilburn, GA region, can help you obtain the best insurance policy for your needs. Call us now to begin the process. 

Required Commercial Insurance in Georgia

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When you own a Georgia business, you need to know which commercial insurance policies are required for your specific business. Every business is different, and certain businesses will need specific commercial insurance policies to keep them protected. There are two types of policies that are required for many businesses in Georgia, and there are many others that aren’t mandatory but are very helpful for business protection.

To get started with your policies, call us at Garrison Insurance Group in Lilburn, GA.

When Workers’ Compensation Insurance Is Required

Workers’ compensation insurance is an extremely important type of insurance that every business should have if it has employees. In Georgia, this insurance is only mandated for companies that have at least three people who are regular workers of the company. That simply means that they regularly work for the business, whether it’s part-time, full-time, or seasonal work.

This type of commercial policy pays the medical bills after an accident has caused one of your employees to become injured. This protects your business by paying for those bills so your business won’t have to come up with the money. 

The Commercial Auto Insurance Requirement

When a business in Georgia owns a vehicle, this makes that vehicle subject to a mandatory commercial auto insurance policy. This coverage pays for accidents that are caused by your business-owned vehicle.

There are two different types of coverage that are required to be in these commercial policies, and you can also add other types of coverage as desired. The required coverage types are property damage liability and bodily injury liability. With both of these in place, you will have the necessary coverage to pay for another party’s damages after your vehicle is at fault for an accident. 

Get Commercial Coverage

When you need commercial insurance, call us at Garrison Insurance Group. We are proud to serve the greater Lilburn, GA community.

Why All Homeowners Need Home Insurance

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Every homeowner should have a home insurance policy for many reasons. These policies come with a number of different coverage types, and all of them are important to your financial future. Without home insurance, you would be on the hook for extremely expensive costs that can be necessary after a damaging event. When you’re looking for home insurance, give us a call at Garrison Insurance Group in Lilburn, GA.

You Need Home Protection

One of the biggest reasons that homeowners should have one of these policies is that they cover the entire home. Each policy has a wide range of types of risks that it covers you against. Things like accidents and specific disasters are risks that the policy will cover you for. If a covered event happens and your home is damaged, your home insurance pays for the necessary repairs. Without this insurance, you could be out many thousands of dollars in repair costs. If your home gets completely destroyed, your policy can pay for rebuilding it.

Protecting Your Possessions

It’s also important to have your possessions protected, and home insurance does this. The possessions in your home when they’re added together are worth a lot of money. When you have a home insurance policy, it covers you against the loss or destruction of these items. Without this policy, you would have to replace everything on your own. Most people wouldn’t be able to afford to replace everything after a covered incident happened. With this insurance in place, they won’t have to. 

Get Your Home Insurance Policy

If you don’t already have a home policy, don’t wait to get one. It’s always best to have a policy at all times while you own your house. To get covered, call us at Garrison Insurance Group in Lilburn, GA.