Why You Need Boat Insurance

Posted on November 29, 2021December 9, 2021 by admin

Boats can be a ton of fun, and if you look after your boat well, you can make fun trips on the water with it for years. But unfortunately, as with many things, certain situations can put a real damper on using your boat. If you make sure you have boat insurance and the right boat insurance coverage, you can enjoy your boat as freely as possible.

We at Birdsong Agency Inc. in Snellville, GA proudly offer boat insurance to residents in the state of Georgia. We will show you quotes from our various providers to help you choose the best quote for you and your boat.

Coverage for your boat

You can insure your boat for many things. A couple of these include:

Damage to your boat. Your insurance should cover damages caused by others while you are in the water, but also damage caused by being parked. Think: a car drives into your boat while it is parked.
Your boat gets stolen. This one is pretty self-explanatory, and definitely, an important point to consider.
There is damage to your boat or yourself. In the horrible case of an accident, you might need medical attention or your boat requires repairs. If you include this in your insurance, you can claim these expenses back.

If you want to discuss boat insurance with one of our advisors as soon as possible, give Birdsong Agency Inc. in Snellville, GA a call or request our quotes on our website. Our agents can help you with your boat insurance, but also advise you on further safety measures for your boat and licenses required by yourself and potential visitors to you.

What Does Flood Insurance Cover?

Posted on October 15, 2021October 11, 2021 by admin

Flood insurance is not mandatory, but it is good to have it, especially if you live in a flood-prone area. If your property is damaged by a flood, and you do not have proper insurance, you may face expensive repairs that you will have to cover yourself. If you are thinking about getting this type of insurance, Birdsong Agency Inc. serving clients in Snellville, GA prepared a list of things that are normally covered by flood insurance:

What Is Covered By Flood Insurance?

Here is what flood insurance usually covers:

Essential systems in a house. Flood insurance will cover plumbing and electrical systems, water heaters, furnaces, air conditioners, fuel tanks with fuel in them, solar energy equipment, cisterns with water in them, and pumps.
Window treatments and carpeting. Flood insurance also includes window curtains and blinds, and any type of carpeting installed over wooden floors or unfinished floors.
Appliances. Usually, most appliances, including refrigerators, washers, dryers, and dishwashers are covered.
Permanently installed bookcases, cabinets, and paneling. However, there are certain limitations you should know about. For example, flood insurance will pay only for damaged cabinets, but not for those that were not affected
Personal belongings. Your furniture, electronics, clothes, and other personal stuff are normally covered by flood insurance.
A detached garage. Up to 10 percent of your total building coverage can be used toward your detached garage.

Even though flood insurance is not mandatory, it is still good to have it for additional protection. If you live in Snellville, GA or any other nearby town in the state of Georgia and you are looking for an insurance agency to purchase a flood insurance policy, you should contact Birdsong Agency Inc. Our insurance agents are always ready to answer your questions and help you find the perfect coverage.

Does Your Georgia Commercial Insurance Policy Have Contingent Business Interruption Coverage?

Posted on September 30, 2021October 11, 2021 by admin

When you are running a business, you have a lot of worries on your mind. It may seem like every day and every year there are new challenges that seem bigger than the last. That is what Georgia commercial insurance is for, to help you feel more secure against the risks and challenges that impact your business every year.

At Birdsong Agency Inc., we want Snellville, GA business owners to be protected against every risk. Business interruption is a serious concern that every business owner worries about every day.

Contingent business interruption insurance is a unique kind of commercial insurance that can cover you in the event of a unique business situation.

Business Interruption Insurance

Standard business interruption insurance covers you in the event of an interruption to your business for specific reasons. When your business is interrupted by any of them, you can make a claim with your insurance company and recover revenue and other expenses.

This insurance can be used in the event of damage to your property that interrupts your business, property damage that prevents customers and employees from coming to your business, or a government closure.

Contingent business interruption insurance functions a little differently.

Contingent Business Interruption Insurance

Business interruption insurance helps with your risk management, but contingent business interruption insurance takes that one step further. In this case, you would have business interruption insurance that can be transferred to a third party.

If, for example, a vendor experiences problems or their own business interruption, you can make a claim on contingent business interruption insurance. Contingent business interruption insurance helps you to recover damages caused by a third party, and not by an event such as a hurricane or government shut down of your own premises.

Get a Quote

Do you know if you have contingent business interruption insurance? At Birdsong Agency Inc., we can help Snellville, GA business owners and operators ensure their commercial insurance is thorough. Call us for a quote today.

Disputed Home Insurance Claims: You Do Have Rights

Posted on August 16, 2021August 8, 2021 by admin

Has your home insurance company denied your claim, and you don’t understand what happened? Contact us at Birdsong Agency Inc. to learn more about this problem and how it affects Snellville, GA residents. And understand why your claim may be denied and what you can do to dispute it. By understanding your rights, you’ll make it easier to keep your home protected and safe.

What To Do When Your Claim is Disputed

Why do insurance companies dispute or deny your insurance claims? Usually, they either don’t believe that what you said happened or made an error when you filed. Thankfully, you can also dispute a denial to ensure that you have a better chance of getting paid. The steps to take when fighting a denied claim may vary between some insurance companies but usually include:

Contacting your insurance agent and talking about why it was denied, and trying to prove your case
Appealing directly to the insurance company to see if they’re willing to change their mind
Hiring a professional appraiser who can prove your claim is legitimate
Finding an attorney who can represent you in a civil suit against your insurance team

These simple steps help you by allowing you to get legal protection for your home insurance. And if your claim was not legitimate or was based on a misunderstanding, disputing it correctly and following these guidelines helps to improve your chances of getting your due compensation for any troubles.

Work With a Team You Can Trust

If you want an insurance company who you can trust to honor their agreements with you, please contact us at Birdsong Agency Inc. right away. We have years of experience serving Snellville, GA, and have a sterling reputation for providing high-quality home insurance policies for people like you. Our team is always willing to work with you to figure out your dispute and what we can do to help.

What is Bond Insurance?

Posted on July 30, 2021August 8, 2021 by admin

As a business owner, you have probably purchased worker’s compensation insurance, general liability insurance, cyber insurance, and any other type of commercial insurance that your business needs. However, have you thought of purchasing bond insurance or surety bonds? If this is something new to you, Birdsong Agency Inc. of Snellville, GA breaks down the bond insurance for you.

Definition of Bond Insurance

A surety bond is an agreement or contract between three parties, including the principal (the individual buying the bond), the surety (the company writing the bond), and the obligee (the department that requires the bond). A surety bond is not bought to cover claims. Instead, it provides a financial guarantee or stability to the organization or entity buying it.

How Does Insurance Bond Work?

A surety bond is like a type of insurance. If a business owner fails to meet the requirements of a bond, like failing to pay a vendor, a claim might be filed against that bond. You can think of an insurance bond as a type of credit to the principal.

Which Insurance Bond Do You Need?

Because businesses have different needs, then it is only reasonable that each will need a different type of bond. However, there are three types of surety bonds you may require when undertaking business.

License and permit bonds- Some professionals may require these types of bonds to operate legally. For instance, freight brokers, licensed contractors, and auto dealers are a few examples of professionals that may require a license and a permit bond.
Contractor bonds- Businesses or individuals that work on public construction projects are likely to need a contractor bond.
Court Bonds- Certain courts may require these bonds for different reasons.

Like most people, business owners in Snellville, GA may find it hard to determine which type of bond they need. If you are in this predicament, contact Birdsong Agency Inc., where we can help you choose a bond that will protect your business’s interests.

What kind of protection will come with a commercial insurance plan in Georgia?

Posted on May 23, 2021May 23, 2021 by admin

The Snellville, GA area has continued to be a good place to be a small business owner. Those who are going to establish a company in this area of Georgia will have plenty of opportunities to be successful and want to ensure they are protecting their business the right way. Getting a quality commercial insurance plan is a good idea for business owners here as it can protect you in several ways.

Protect Company Assets

One of the reasons to have a commercial insurance plan when you are in this area of Georgia is to ensure that you can protect your company assets. Any asset that you buy for your business will be important and a big investment. If you choose a proper commercial insurance plan, you will have the coverage needed to protect these assets adequately.

Liability Protection

It would be best if you also considered getting commercial insurance as it can offer liability protection. A business owner should take their liability risk seriously and protect against it. If you invest in commercial insurance with liability coverage, you will have the protection and support you need to offset this risk. This could protect the solvency of your company if you are named in a liability claim.

Business owners in Snellville, GA need to ensure that they are getting the right insurance coverage in place. If you are looking for a new insurance plan for your company, the team with Birdsong Agency Inc. can help you choose a new plan. There are many important factors to consider, and working with Birdsong Agency Inc. will ensure that you are aware of all of your options. They can also offer the support you need to choose a plan that is right for your business.

Home Insurance FAQs In Georgia

Posted on April 28, 2021April 28, 2021 by admin

If you just purchased a home in or around Snellville, GA, you may have some questions about home insurance. We are happy to answer them and help you get exactly the coverage you need at Birdsong Agency Inc. Buying a new home or paying off your mortgage is an exciting time, and we love to be a part of protecting your assets at every stage.

Common Questions About Home Insurance In Georgia

I live in a low-risk area. Do I really need insurance? Many homeowners have this question. Even if you do not live near a river or a high-risk area, and even if your home has all the safety features to protect it, you can still benefit from coverage because nothing is entirely immune from damage.
Is homeowner’s insurance a legal requirement? No, the state does not require this coverage. Mortgage companies require home insurance, and it is important to understand their requirements for insurance before signing any paperwork.
What else should I know about home insurance? Your home insurance policy likely does not cover flooding. This is an add-on in most cases. Also, if you have a unique situation, such as a collection in your garage or a rental in the backyard, it is best to cover it specifically with an umbrella policy or add-on.
I want to hire a contractor to add a room to my home. Will it be covered? You will want to purchase specific insurance for your protection during the construction project and then discuss your new home’s value for policy accuracy.

Contact us at Birdsong Agency Inc. to discuss your home insurance options and possible add-ons. We serve the community of Snellville, GA with comprehensive insurance services.

Why should someone get commercial insurance in Georgia?

Posted on March 31, 2021March 31, 2021 by admin

If you are an aspiring business owner, finding a good place to start your company is important. If you are looking for a location to open your next business, Snellville, GA is a good option to consider. In this city, the local economy tends to support small businesses. If you are looking to start a company anywhere, having the right insurance is important. There are many reasons to get commercial insurance here.

Insurance Protects Business Assets

A key reason you will want to have a commercial insurance plan for your business is to protect your company’s assets. If you are going to start a business and need to invest in equipment or inventory, you will have made an investment that needs to be protected. A commercial insurance plan can be designed to protect any of your company assets.

Insurance Offers Liability Protection

It would be best if you also got a commercial insurance plan to be protected against liability risk. If you operate a business, you are bound to take on some liability risk. If you are found liable for an accident, it could threaten the future of your company. If you obtain a commercial insurance plan, it will include coverage that can mitigate and protect against this risk.

Having proper commercial insurance is very important for any business, and it can help protect the company’s future. When you want to get a new plan and are in the Snellville, GA area, it would be helpful to call Birdsong Agency Inc. The team with Birdsong Agency Inc. understands how important commercial coverage is. They can then work with you and your team to assess your business risks and provide the support needed to build a new plan for your organization.

Three things you need to know about bonds insurance

Posted on February 27, 2021February 27, 2021 by admin

It’s important to understand what bond insurance is and how it works if you need a policy in Snellville, GA. We provide bonds insurance at Birdsong Agency Inc.

The following are three things you need to know about bond insurance.

Bonds insurance guarantees repayment.

The number one function of bond insurance is to secure bonds. When it comes to bonds, bond insurance guarantees repayment of the principle. This means that bond insurance is set up to protect those who borrow and give them greater financial security.

Bonds insurance prevents the default of borrowers by ensuring that the principle will be repaid.

Some policies also guarantee repayment of interest.

Bonds insurance doesn’t only guarantee repayment of the principle. Bonds insurance policies can vary in terms of what types of coverage they include. There are added coverage types for those for whom coverage for repayment of the principle may not be enough.

Some bond insurance policies can offer even more coverage. Some bond insurance policies will also provide a guarantee for repayment of interest in addition to repayment of the principle.

Bonds insurance is typical when it comes to asset-backed securities or municipal bonds.

Bonds insurance is associated with certain types of financial exchanges. While bond insurance policies can vary, they are generally associated with the issuance of municipal bonds and asset-back securities in particular. Bonds insurance will most commonly be seen and offered with these types of financial agreements.

We’re here to help you at Birdsong Agency Inc. if you have more questions about bonds insurance in Snellville, GA. Get in touch with us today to inquire about our policies and learn more about bond insurance.

Who should have life insurance

Posted on January 30, 2021January 30, 2021 by admin

Life insurance is something universally beneficial. It protects those you love from the financial devastation caused by losing the primary breadwinner in a family. Of course, the loss of the stay-home parent can be just as devastating. When answering the question of who should have life insurance, it is hard not to say that everyone should have it. While that is the simple answer, nothing in life or death is simple. At Birdsong Agency Inc. in Snellville, GA, our agency has more than 50 years of combined insurance experience. We use the experience to provide our customers with the information they need to make informed decisions about their insurance needs.

Today’s families are different from families in the past. In the past, the father was the one who worked outside the home, and the mom stayed home and took care of the children and the home. Today almost 65% of families have both parents employed outside the home. That means mom needs life insurance as much as dad does. Even if one parent is staying home, trying to replace them with paid help will strain most incomes. It makes looking at life insurance very different and ensuring both parents are insured more important than ever.

Life insurance may not be a big necessity for younger people who don’t have a dependent or debt. As long as you have enough money to pay for final expenses, you should be fine.

For seniors, part of estate planning is having your final expense paid in advance. If you are done with mortgages and have a solid amount of savings to keep you comfortable for the rest of your days, life insurance is unnecessary.

Contact Birdsong Agency Inc. in Snellville, GA to discuss your life insurance needs. Visit our website to see all the insurance products we offer.

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