Can You Obtain Classic Car Insurance Seasonally in Georgia?

Posted on May 30, 2025May 25, 2025 by admin

If you own a classic car that you use seasonally, particularly between spring and fall, you might be considering a seasonal insurance plan that protects your vehicle only when it’s in use. If you’re located in Snellville, GA, switching to "lay-up" or "storage-only" coverage may be possible for your specific classic car make and model. At Birdsong Agency Inc., we’ll guide you through the process to determine if you qualify and to find find a suitable policyr needs.

How Seasonal Classic Car Policies Work

Seasonal classic car insurance in Georgia provides the following coverage:

Comprehensive: Protects against fire, vandalism, falling trees, and even theft.
Agreed-Value Payout: Locks in your collectible’s value without depreciation risks.
Spare-Parts Coverage: Covers hard-to-find parts, such as trim and NOS parts.

What to Remember

When using seasonal insurance in Georgia, here’s what you should remember:

No Collision/Liability Protection: This protection is removed with seasonal policies while the vehicle is off public roads. However, this can reduce premiums by up to 50%.
Liability is Required: You’ll still require liability insurance as soon as you decide to take your classic vehicle out of storage and onto the open road.
Title/Registration: Georgia provides an antique plate for those interested in seasonal policies.

Comparing your classic car insurance policies with standard insurance policies is a way to determine which route is best for you. If you only use your classic car during road shows and at certain times of the year in Snellville, GA, we can help you find a policy that’s just right. For more information about classic car insurance near you and which policies you qualify for, contact Birdsong Agency Inc. today.

What’s the Best Type of Motorcycle Insurance for Me?

Posted on April 30, 2025April 21, 2025 by admin

Shopping for motorcycle insurance might seem straightforward. You purchase a policy, then ride around safely knowing you’re covered. But much like it is with auto insurance, there are multiple types of motorcycle insurance that you need to be aware of and choose from to receive the coverage that you deserve. What are these? We take a closer look at the different types of motorcycle insurance to help you better understand your options and craft a policy that works for you. When you’re ready to start shopping, the team here at Birdsong Agency Inc. in Snellville, GA is ready to help!

What Is the Best Type of Motorcycle Insurance to Buy?

The best type of motorcycle insurance to purchase is one that helps you feel safe on the road and guarantees you the least amount of headaches should your bike become damaged or should you or another driver become injured while you’re on the road. Types of motorcycle insurance that you should inquire further about when you’re shopping around for policies include basic forms of insurance like collision and liability, comprehensive insurance to help you fully deal with the costs of an accident, and insurance add-ons like interruption coverage (for when your bike breaks down and you need to pay additional costs before you’re able to get back on the road again), roadside assistance, and additional coverage for any customizations that you’ve made on your bike. Consider which policies will benefit you the most, and then invest in motorcycle insurance that best supports your needs.

Ensure Your Motorcycle is Properly Covered With Birdsong Agency Inc.

If you need help finding motorcycle insurance or want to ensure you’re getting the best rates, we can help. Compare motorcycle quotes with us today at Birdsong Agency Inc. in Snellville, GA!

Can Boat Insurance Replace a Stolen Boat?

Posted on March 28, 2025March 23, 2025 by admin

As the boating season draws near, our team of experienced insurance professionals at Birdsong Agency Inc. in Snellville, GA, is committed to ensuring you and your boat are protected both on and off the water. The lake may be your sanctuary, a place where you can unwind, let your guard down, and appreciate the beautiful view as you drift away from the shore and the day-to-day challenges of life. However, like your car or house, your boat is an asset and is not immune to real-world problems such as theft, damage, and liability-related issues.

Like your other assets, your boat needs protection from liability and theft. You might wonder if the boat or watercraft insurance can cover the costs of replacing a stolen boat. While we can’t provide specific advice, we can guide you on what watercraft insurance generally covers in the event of boat theft. For more specialized support, feel free to contact us.

Does Boat Insurance Cover a Stolen Boat?

Depending on the comprehensiveness of your boat insurance coverage, it may cover the costs associated with replacing a stolen boat. However, you’ll need to review the terms of your insurance to be certain. Not every boat insurance policy offers this coverage, but comprehensive watercraft insurance policies potentially do.

If you’re unsure whether your policy covers theft, contact our office, and we can help you understand your insurance policy’s coverage.

Get in Touch with Birdsong!

For more information on how to protect your boat, reach out to Birdsong Agency Inc. in Snellville, GA!

Will My HOA Require Me to Have Flood Insurance?

Posted on February 28, 2025February 20, 2025 by admin

When an area is designated as a flood zone, many entities may require you to have flood insurance. Flood insurance is necessary for every home that’s in a flood zone, but it’s also needed for homes outside of these zones. The Homeowners Association (HOA) is just one entity that might require you to have this insurance, just as some mortgage lenders would require it if you live in a flood zone. To be in a flood zone, you may have as little as a 1% chance of flooding, but that’s enough to make it imperative that you get this coverage. Call us at Birdsong Agency Inc. in Snellville, GA to get started.

Understanding Flood Zones

A flood zone measures areas’ likelihood of flooding in any given year. They are marked with the number of years that could be expected between floods, such as 25 or 50 years. If your home is in one of these zones, you may have several requirements that apply to you. Getting certain mortgages in these zones requires flood insurance. An HOA will likely require it as well. This protects the neighborhood from flooded and abandoned homes because the cost is too high to fix. In some cases, the HOA would want to have its name on the policy as well as yours in case it needed funds after a flood.

Flood Insurance Outside Flood Zones

It’s unlikely that an HOA would require flood insurance outside of a flood zone. However, it’s still important to have this insurance. Any area can flood, and it doesn’t only happen inside the designated zones. Without flood insurance, a flood can be a financial catastrophe. Avoid this by keeping your home covered.

Get Flood Insurance in Snellville

Call us at Birdsong Agency Inc. in Snellville, GA to get started.

Exclusions to Life Insurance Policies

Posted on January 24, 2025January 23, 2025 by admin

Understanding policy limits for life insurance can sometimes be challenging if you’re not familiar with the type of policy you have. If you already have a life insurance policy or are considering purchasing one, it’s important to be aware of all the exclusions. At Birdsong Agency Inc. in Snellville, GA, we help guide you through the various life insurance policies and their exclusions.

What Exclusions Do Life Insurance Policies Have?

Exclusions are clauses in life insurance policies that exempt you from receiving a payout. Many life insurance policies have specific exclusions, but these may vary from company to company. Here are some of the common life insurance policy exclusions:

Suicide – Many policies exclude suicide, but some may have a timeframe of two years before the policy is eligible for a payout.
Military – Death while serving in the military is often excluded or has limited coverage.
Illegal Activities – Deaths that result from illegal activities are not covered under any circumstances.
Hazardous jobs – Jobs that involve high risk are either limited or excluded from plans.
Substance Abuse – Death due to an overdose is not eligible for life insurance policy payouts.
Risky hobbies – Those with risky hobbies that could result in death are limited or excluded from life insurance policies.
Pre-existing Conditions – Some life insurance policies will not accept death resulting from pre-existing conditions.

How to Avoid Exclusions

Be sure to carefully read through your entire policy, as it can help save you from a costly mistake. In addition, consulting an agent, such as one of our professionals at Birdsong Agency Inc. in Snellville, GA, can help you find a policy that works for you. If you don’t find a life insurance policy that suits your needs, you can alternatively check different agencies, as some may cover certain exclusions.

Why basic auto insurance may not be the right choice for you

Posted on December 23, 2024December 19, 2024 by admin

In Georgia, the minimum requirement for auto insurance is basic liability coverage of 25/50/25. This includes $25,000 for injuries to the first person injured in an accident, $50,000 for all injuries, and $25,000 for property damage. At Birdsong Agency Inc. in Snellville, GA, we work closely with our customers to ensure they have the best coverage for their needs.

Additional Coverage for Loans or Leases

If you have an auto loan or lease, you’ll be required to carry additional coverage to protect the vehicle. This includes comprehensive and collision coverage.

Why Basic Liability May Not Be Enough

Basic liability coverage may not provide adequate protection if you have substantial assets. Given the high cost of medical treatment, you could be left with a large medical bill to pay out of pocket. If you have significant assets, consider getting an umbrella policy.

The Need for Collision and Comprehensive Coverage

Collision and comprehensive coverage protect your vehicle if it’s damaged in an accident for which you’re responsible or from various non-collision events. Basic insurance may suffice if you can afford to replace your vehicle or manage without it. However, if you rely on your vehicle for daily activities and don’t have a large cash reserve, insurance to repair or replace your vehicle can make a significant difference. Remember, you’ll need to pay a deductible, which you choose when you take out your policy.

Contact Birdsong Agency Inc. in Snellville, GA, to discuss your auto insurance needs with one of our independent insurance agents.

Boat Insurance Coverage for Navigational Equipment

Posted on November 25, 2024November 21, 2024 by admin

Navigational equipment is susceptible to theft and damage, particularly if it’s visible or uncovered when your boat is unattended. It’s advisable to seek insurance protection to cover the cost of repairing or replacing the essential equipment.

Usage of Navigational Equipment

The navigational equipment you use is crucial in ensuring your safety while operating your boat and guiding you during each boating excursion.

Consider how frequently you use the equipment and how challenging it would be to operate your boat without it.

If losing one or more navigational devices would hinder your ability to use your boat as usual, consider adding the navigational equipment to your existing boat insurance policy.

Storage for the Equipment

Do you have a secure place to store navigational equipment when not used? If not, you might want to devise a storage plan to protect the equipment.

If any of the equipment is installed on your boat, covering it when not in use can reduce the risk of damage or theft.

When you’re ready to add the navigational equipment to your insurance policy, be prepared to provide information about how you plan to use and store it.

Also, have the model number for each piece of equipment ready. This information could influence how your boat insurance policy is prepared.

Contact an Insurance Agent in Snellville, GA

Contact one of our agents from Birdsong Agency Inc. for assistance with insuring the navigational equipment you own and plan to use during upcoming boat outings.

Everything You Need to Know About Classic Car Insurance

Posted on October 21, 2024October 18, 2024 by admin

A classic vehicle needs to be insured like any other car, except for specialized coverage. Classic car insurance is designed for vehicles that fall under the vintage or antique scope. Classic policies often cover more than standard car insurance but have higher premiums. If you’re unsure if classic car insurance suits you, contact an agent at our Birdsong Agency Inc. in Snellville, GA.

What Classic Car Insurance Covers

One would want classic car insurance for their vintage vehicle because the coverage is determined by an agreed value between you and an insurance agency. The coverage will ensure that vehicle owners will get adequate coverage if there is any damage or accidents to the vehicle.

In addition, they include premiums for replacement parts for that specific vehicle. By changing vehicle parts to the same replacement quality, the car doesn’t lose any value, which can be extremely important when protecting the value of classic cars.

Lastly, classic car insurance will include emergency roadside assistance and transportation expense reimbursement. While the standard car insurance has this feature in some policies, this coverage is designed to be more careful when transporting your vehicle.

Are Premiums Higher for Classic Cars?

Premiums are often higher for classic car insurance due to the payout of accidents or replacing spare parts. In addition, some classic cars may not be accepted onto plans or have high premiums due to exceeding certain mileage limits. Before getting classic insurance for your vehicle, you’ll want to discuss coverage in detail with an agent.

How to Get the Right Coverage

A professional at our Birdsong Agency Inc. in Snellville, GA can help talk to you through specific coverage. We can help research and compare the best options for your vehicle. In addition, we can also help you determine what type of added coverage you may need. That said, all you will need to do is call.

How to Protect Your Motorcycle Accessories

Posted on September 30, 2024September 26, 2024 by admin

Choosing Classic Car Insurance: Understanding What’s at Stake

You’ve finally purchased the custom motorcycle you’ve always dreamed of, complete with stylish accessories that add to its appeal. Unfortunately, while these adornments may make your motorcycle more attractive to you, they may also make it more appealing to thieves in Snellville, GA. Plus, what happens if your prized motorcycle is involved in an accident? Birdsong Agency Inc. is here to guide you on protecting your motorcycle accessories from various risks.

The Importance of Physical Deterrents

If your motorcycle boasts expensive, visually appealing accessories, it’s crucial to implement physical security measures. You can take multiple steps to make it more challenging for thieves to steal your motorcycle or its accessories, such as a disc lock, ground anchor, lock and chain, cover, and tracker installation. While these mitigation strategies can deter potential thieves, they don’t cushion you against accidental damage.

Incorporating Accessory Coverage into Your Insurance Policy

Although comprehensive and collision coverage can cover the cost of some modifications to your motorcycle, they may be subject to limits. Adding optional accessory coverage can help pay to repair or replace your motorcycle’s enhancements due to covered risks. Despite having a deductible for damage to your motorcycle or its parts, you could enjoy expanded coverage worth thousands of dollars. Examples of items and accessories that you could include in an add-on policy are:

Custom wheels, seats, and handlebars
Chrome pieces
Custom paint
Saddlebags and windshield
Electronics

Some insurance policies even permit the inclusion of items like helmets and other protective gear. If your motorcycle is a continuous investment, it’s worth considering this coverage.

Birdsong Agency Inc., catering to residents of Snellville, GA, and nearby communities, can help you tailor a motorcycle insurance policy to protect your custom accessories. Get in touch with us today to start your journey toward better coverage.

Is it a good idea to get a boat/watercraft insurance plan?

Posted on August 30, 2024August 22, 2024 by admin

You may want to own a boat when you live in the Snellville, GA, area. If you are going to purchase a boat when you are here, it will allow you to enjoy the nice weather and access to many lakes and fun boating areas. When looking for a boat, you also need to consider insurance. For various reasons, getting a full boat or watercraft insurance plan here is a good idea.

Ensure the Boat is Covered

A top reason to get a boat insurance plan is to ensure your boat is covered and protected. When you buy a boat, it will quickly become costly to purchase and care for. If you are fully insured, you will have the support you need to replace or repair it in the future.

Protect Against Liability Risks

It is also a good idea to get boat insurance to protect against your liability risks. If you operate a boat, there will always be a chance that you cause an accident and damage. When this occurs, you will need to pay for any remediations. Fortunately, if you are insured with boat coverage, you will have protection against this risk.

Boat or watercraft insurance is always a good idea when looking for coverage in the Snellville, GA, area. If you are shopping for a new insurance plan in this area, you can call our team at Birdsong Agency Inc. to discuss your needs. Our professionals with the Birdsong Agency Inc. are familiar with the needs of boat owners when it comes to insurance. This helps to ensure you are able to build a plan that will properly cover your business.

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