Life insurance is often misunderstood. The benefits of this form of insurance are many for people of all ages. However, making the choice to invest in life insurance is deeply personal and should fit your life and your future goals. Our team at Birdsong Agency Inc. is committed to helping Snellville, GA residents understand this insurance and get the coverage they need.
What is Life Insurance?
In short, life insurance is designed to pay someone (beneficiary) a lump sum of money in the event of the insured person’s death or after a set amount of time. You can buy life insurance to cover your entire life or for a set period of time, hence the terms whole life or term life insurance. The insured individual pays premiums in exchange for the lump sum (death benefit) paid out to beneficiaries of their choosing. Typically, there aren’t any stipulations in terms of how the payout is used by your beneficiaries.
I’m only twenty-five. Is life insurance a wise investment at my age?
Perhaps. Life insurance has many benefits and can be adjusted to fit your life and your needs. As a young person, life insurance could pay off a student loan, mortgage, or any number of things in the event of your death. Although it’s most commonly associated with people who have families, mortgages, and assets, it has benefits for young people as well. If you pass away with student loan debt, your family members might be left with this debt. Life insurance could cover this debt to relieve your family of this potential financial burden.
Reach Out To Us
If you have questions regarding the benefits and the practicality of investing in life insurance as a young person, call us at Birdsong Agency Inc. in Snellville, GA. We’d be happy to answer your questions and help you explore your options.
When you drive your vehicle, you need to know that you are in compliance with the law but also that your vehicle is protected to the extent that you require it to be. At Birdsong Agency Inc. in Snellville, GA, we know our customers, and we give them the personalized service they deserve.
Why Auto Insurance?
Liability coverage is what the state of Georgia requires all drivers to have before they can drive their car. The minimum amount is 25/50/25. This is the insurance that protects other people from an accident for which you are responsible. It pays $25,000 for the first person injured and a total of $50,000 for all the injuries. Another $25,000 is for the property that is damaged.
Collision coverage pays for repairs or replacement to your vehicle in an accident where you are responsible, where you are the only car involved, or are the victim of a hit and run.
Comprehensive coverage covers damage to your vehicle by a variety of things other than another vehicle. It covers floods, winds, and hail. It covers theft and vandalism and large animals like deer. It also includes glass coverage.
These are the three basic coverage options, but there are other add-ons that you may want to consider.
If you have a new vehicle, it loses a lot of its value as soon as you drive it away from the dealer. If you have an accident, the amount the insurance company values your vehicle at may be less than the amount of your auto loan. You could be left with a balance even though your vehicle is gone.
Don’t Be Without Auto Insurance
When you need to renew your auto insurance or are ready for a change, give us a call at Birdsong Agency Inc. in Snellville, GA.
You’re buying a second boat or other watercraft: Congratulations! Now, it’s time to be sure your investment is protected.
Let’s take a look at three questions you’ll want to ask your insurance agent to be sure your boat is safe, no matter what happens.
Buying a Second Boat? Three Questions to Ask
1) What are the options to insure my boat?
It’s always a smart move to get insurance coverage for all the watercraft you own. Consult with Birdsong Agency Inc. and we can provide you with coverage options for your second boat in Snellville, GA.
2) Is my policy based on agreed value or actual cash value?
Both types of insurance are solid–agreed value bases your policy on the price of your boat when you buy the policy, while actual cash value includes depreciation, which can factor into both the cost of your insurance and the payout if you need to make a claim.
3) Do I have full coverage insurance?
There’s no doubt about it–accidents happen, no matter how careful you are. You’ll want to make sure you have full coverage insurance to protect you against acts of nature and accidents that occur while you’re enjoying your boat.
We’re here to help
At Birdsong Agency Inc., we’re proud to serve our customers from Snellville, GA. We’d love to chat with you about all your boating insurance needs. Give us a call or stop in today to learn more about how we can help you keep your boat safe.
Classic car insurance functions much like normal auto policies with the advantage of coverage for your car’s accepted value and details including usage and storage, among others. Just like in auto covers, you’ll submit data on yourself and the classic car you want to protect. From there, you choose the policy that matches your use and financial ability.
For more details on factors that affect your policy, contact us at Birdsong Agency Inc – we happily serve the greater Snellville, GA area.
Is Theft Covered Under Classic Car Insurance?
The short answer is yes. Where auto policies are concerned, theft is theft. In some areas, it is addressed under something referred to as other than collision, while in others it is under comprehensive. In the past, some policies had it under the fire and theft clause. In most cases, nowadays, it is under comprehensive packages.
The only scenario whereby theft is not covered under this policy is when it is proven that the owner of the car was somehow involved in the theft of his own vehicle. Some people attempt these kinds of schemes to defraud insurance providers.
Some common things covered under comprehensive policies include:
- Falling objects
- Animal and bird contact
Most classic car policies have requirements for the vehicle before it can qualify for coverage. For some, the age of the car matters, while for others, it does not.
Some of the frequent requirements include but are not limited to:
- Frequency of use. The classic car should not be what you use for daily commutes.
- Regular use of cars. All the drivers in your home should have a daily driver for everyday commutes, and the classic car policy applicant must possess and maintain a regular auto cover.
- For the most part, only drivers without major infractions over the last three years can qualify.
- The area holding the car should not have much traffic. This leads to increased chances of damage.
Give Us A Call
Unless the car owner plans on defrauding the policy vendor, theft falls under classic car insurance. For more details on specific covers, contact our team of insurance experts at Birdsong Agency Inc., serving the Snellville, GA area.
There are a few states that don’t require drivers to carry motorcycle insurance. However, most states do. Like a car, a motorcycle is a moving motorized vehicle that navigates the roads, streets, and highways just as cars do. As a result, motorcycle insurance is a legal requirement. Our Birdsong Agency Inc. team in Snellville, GA helps Georgia drivers get the insurance they need.
What is Motorcycle Insurance?
Motorcycle insurance provides liability coverage for damage to other people’s property, injury to others, and damage to other people’s vehicles, motorcycles, or RVs. Motorcycle insurance can also cover collision damage to your own motorcycle, theft, fire, and damage caused by natural disasters. People who operate motorcycles are legally required to carry motorcycle insurance that meets the state minimum requirements.
Am I required to carry motorcycle insurance in Georgia?
Georgia is a state that requires people who drive motorcycles to carry liability motorcycle insurance. Similar to car insurance requirements, motorcycle drivers must carry coverage that provides protection for other drivers and their property if found at fault. Liability coverage provides legal protection for people who operate motorcycles if they’re found at fault for an accident. Many people would find it difficult to pay damages to others out of pocket.
Contact Us Today
Georgia state laws require all motorcycle drivers to carry coverage that meets the state’s specified minimum liability requirements of $25K for a single accident for personal injuries and death, $50K to cover the deaths of all people involved in a single accident and $25K worth of property damage per accident. If you have questions about motorcycle insurance, call us at Birdsong Agency Inc in Snellville, GA. We’d be happy to help you explore your options.
When buying a boat, you may not automatically think of also promptly searching for a liability insurance policy for your new purchase. But the fact is that you need to protect the boat almost the same as you would a car.
Watercraft is a form of transportation and should be secured as such. Remember that the boat will be traveling to bodies of water, most likely behind a vehicle on busy freeways. In the event of a collision taking place where you are not at fault, the policy can be used for repairs to your watercraft.
Liability Boat Insurance: Why Do You Need It?
Even though boat liability insurance is not legally required in the state of Georgia, it is still a great idea to be proactive and secure your investment.
Accidents can happen on the water almost as easily as they can on the road. If you find yourself in this situation and have maintained a liability policy for your boat, damage to boats and any other property can be covered. This includes injuries to the parties involved.
Also, in the event that a collision causes fuel spillage, the policy can cover that as well.
Get The Right Coverage For Your Boat
For more information on how a boating liability policy can provide you with the coverage you need, contact the experts. Birdsong Agency Inc. in Snellville GA has experienced agents waiting to assist you with your boat liability insurance.
Your boat needs to remain safeguarded on and off the water, and an insurance policy is the best way to accomplish that. Make sure to take care of your investment, because you never know what could happen otherwise.
Contact Us Today
Call or email Birdsong Agency Inc. today or stop by our office in Snellville, GA to start protecting your boat today.
Business owners and operators in the greater Snellville, GA area can turn to the team at Birdsong Agency Inc. for all of their insurance needs. Contact our office today and set up an appointment to learn more about the many benefits of having a flood insurance policy.
Flood protection for your local office
When it comes to protecting your local office, it can sometimes be difficult to determine if flood insurance is necessary. Of course, anyone who owns property that is located in a flood zone should definitely have a flood insurance policy. However, what about buildings located outside of a flood zone but still sometimes experience floods? The need for flood insurance can be more difficult to ascertain in those situations.
There are a number of different benefits to carrying a flood insurance policy that’s separate from your primary commercial property policy. If your office building is located in a low-lying area or in an area that experiences flooding, there’s no reason why you wouldn’t want to take a closer look at securing a flood insurance policy for the property.
With a separate flood policy for your office, damage that is caused by flooding or flood water could be covered. Many property insurance policies have carve-outs for flood damage, making it necessary to carry an additional policy. A careful review of your primary policy is always a good idea.
Contact our office today
Birdsong Agency Inc. is proud to serve the insurance needs of Snellville, GA and the surrounding area. There’s no time like the present to review your current insurance and ensure that it provides the coverage your office needs. Contact our office today and learn more about the flood insurance policies that are available in our area.
The Birdsong Agency Inc. team is here to help guide Snellville, GA area residents with all of their insurance needs. This includes life insurance. We understand that choosing the right life insurance policy to protect your family can be a stressful process. We are here to help make the process as seamless as possible. Call us today!
3 ways life insurance can protect your family
When it comes to life insurance, there are many benefits for your family. Those benefits may change throughout the different stages of your life, but they are ever-present. These are just a few of the many benefits of life insurance.
- The early death of a parent or spouse – is the reason that most young families become interested in the first place. It’s a comfort to know that one’s family will be taken care of, no matter what may happen.
- Cash benefit to cover major expenses while living – with a permanent policy, it is possible for the policyholder to accrue a cash balance through their policy. These funds can be used as a living benefit.
- End-of-life coverage at any age – leaving expenses for loved ones to deal with, is something that many people want to avoid whenever possible. With this coverage, it is possible to cover burial and other expenses without putting a financial burden on one’s surviving family members.
Want to learn more about the benefits of life insurance? Call us today!
If you live in the greater Snellville, GA area, you can rely on the team at Birdsong Agency Inc. for all of your insurance needs. We are here to answer all of your questions and provide the information you need to make informed decisions. Give us a call or stop by today!
Auto insurance is one necessity for owning a car. You need it to protect yourself financially in the event of an accident, but it’s hard to understand and choose the right policy. If you live in Snellville, GA, here are a few tips on choosing an auto insurance policy that’s right for you.
Does Georgia Require Vehicle Insurance?
Georgia law requires all drivers to have liability insurance. This insurance covers damage you may cause to other people or property while driving. You’ll need to show proof of insurance when you register your car or renew your license plate.
However, basic liability insurance only covers damage to others. It does not cover damage to your own car or injuries to yourself or your passengers. For this reason, you may want to purchase additional coverage, such as collision or comprehensive insurance.
Is Liability Only Coverage OK for a Car Loan?
If you have a car loan, your lender will require you to have collision and comprehensive coverage besides liability insurance. Collision pays for damage to your car in an accident, and comprehensive pays for damage from events like theft, vandalism, or weather. For questions, contact your Birdsong Agency Inc. representative.
In Georgia, you’re not required by law to have uninsured/underinsured motorist coverage, but it’s a good idea. This type of coverage protects you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damage they caused.
Another add-on that drivers may want to consider is rental reimbursement coverage. This addition pays for a rental car while your own vehicle is being repaired after an accident.
Give Us A Call
Contact your Birdsong Agency Inc. agent in Snellville, GA to see if this is something that would be beneficial for you.
Spending time on the water in the summer months can be great fun. But it’s not as enjoyable if you’re worried about whether your boat is properly protected. Before you head out to any of the local waterways, stop in at Birdsong Agency Inc. if you’re in the Snellville, GA area. We can help you find the right boat insurance policy for your needs, so you can focus on the fun and not on your boat’s coverage. When you have the right policy for your boat, you have the opportunity for a lot more peace of mind.
Boat Insurance: What You Need To Know
Choosing the right type and level of policy doesn’t have to be confusing. When you work with trusted, knowledgeable agents you can get the help and support that’s important to you. Then you’ll feel confident with the policy you choose for your boat insurance. Going out on the water is something a lot of people spend the cooler months thinking about, and when summer arrives they’re ready to get going. But taking a few minutes to make sure your insurance is up-to-date is worth it for the protection you’ll have.
Whether you already have a policy and want to make sure it’s updated, or you’ve purchased a boat and need proper coverage for it for the first time, there’s help available. There’s no reason you need to settle for anything less than a quality policy that meets your needs. Working with agents who handle watercraft insurance is the best way to make sure you’re getting the very best coverage.
Give Us A Call
If you’re in the Snellville, GA area and in need of boat insurance for your summer adventures on the water, Birdsong Agency Inc. is here and ready to help. You can trust our agents to find you the best coverage, so you can focus on the fun, and not on the coverage