Name: Birdsong Agency Inc
Address: 1379 Scenic Highway, Snellville, GA, 30078
Telephone: 470-268-7886

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.

Preparing for Hurricane Season: Mitigating Flood Risks

Posted on July 30, 2024July 25, 2024 by admin

At Birdsong Agency Inc. in Snellville, GA, we encourage homeowners to take steps in preparation for hurricane season. Hurricanes can result in flooding and extensive damage. Here are some ways to minimize your risks of water damage and be ready during and after a storm.

Know Your Risks

Risks will vary depending on your regional location and hurricane’ frequency. Near the coast, storm surges are a major risk, while inland properties face heavy winds and rain. Knowing which conditions are most likely to impact your property will help you prepare adequately.

Obtain Flood Insurance

Standard home policies don’t cover storm surge or flood damage. Review your policy, talk to your agent or the National Flood Insurance Program for details, and invest in water and flood coverage.

Get the Property Prepared

Drains and gutters should be cleared before the storm to let water flow freely rather than impeding on your property. Sandbags can be used to divert water. Unplug electronics and elevate furniture using blocks to keep them out of the water.

Create a Safety Kit

Prepare an emergency kit with food and water for a few days. Add toiletries, medication, flashlights, a radio, batteries, a phone charger, and first-aid products. Essential documents, including birth certificates, wills, and insurance papers, should be placed in an airtight bag that can be stored in a watertight space like a washing machine or dishwasher.

Be Prepared for Hurricane and Tropical Storm Flooding

Being ready is only half the battle when storms strike, even with mitigation plans. Should a storm cause flood damage, your National Flood Insurance agent can guide you about how to start processing a claim to get repairs underway. Our team at Birdsong Agency Inc. in Snellville, GA can assist you with getting coverage in place.

When Should You Update Your Life Insurance Policy?

Posted on June 28, 2024June 27, 2024 by admin

Updating insurance policies is something everyone should do when they have changes in their lives. If you haven’t updated your life insurance policy in a while and you’re in the Snellville, GA area, Birdsong Agency Inc. is here to help. We know it can be easy to forget to make policy updates or sometimes to realize that you need to. Our agents want to help you stay adequately protected and up-to-date with all your coverage, including the life policy that helps protect your family.

If you don’t have any changes to your circumstances, reviewing your policy with an agent at least once every year is still a good idea. That helps ensure you have the best coverage for your situation and can also increase your peace of mind. Additionally, you’ll want to contact an agent for an update anytime you have a change that could affect your policy.

That includes anything that might mean a change to your beneficiary, such as a marriage or divorce, along with any reasons you might want to change the limits on your coverage. If you have more children, for example, you might want to increase how much coverage you have. That could also be true if you change careers or move into a field where your opportunities to provide for your family are much higher.

Get in touch with us at Birdsong Agency Inc. today if you’re in the Snellville, GA area and need to update your life insurance policy or get one started. Our dedicated agents will help you feel confident that you have the right type and level of coverage to focus on enjoying your time with friends and family. You’ll always know your loved ones are protected when you keep your policy updated.

Seasonal Auto Insurance Advice for Snellville Residents

Posted on May 30, 2024May 30, 2024 by admin

As the seasons change in Snellville, GA, so too can the conditions that affect your driving and, by extension, your auto insurance needs. At Birdsong Agency Inc., we recognize the importance of adapting your coverage to match the seasonal challenges that arise on the roads of Snellville.

During the colder months, the risk of icy roads and decreased visibility make it essential to ensure that your auto insurance policy is robust and comprehensive. Ensuring you have appropriate coverage for potential accidents in these harsh conditions can provide peace of mind during winter drives.

Spring in Snellville brings its own set of challenges, including wet driving conditions and the resurgence of wildlife on the roads, which can increase the likelihood of vehicle damage. Spring is an ideal time to review your policy with us at Birdsong Agency Inc. We can help ensure that your insurance coverage applies to the unique risks of the season.

The warmer months typically see an increase in traffic as tourists visit and residents enjoy the beautiful weather. More vehicles on the road can lead to a higher chance of accidents. Summer is crucial to assess whether your insurance policy provides sufficient protection against collisions and other driving-related incidents.

As your local insurance provider, Birdsong Agency Inc. is here to assist the residents of Snellville, GA, throughout the year with all their auto insurance needs. Whether adjusting your policy to meet seasonal demands or simply answering your insurance-related questions, we are here to help.

We encourage you to contact us to discuss how we can better serve you. Visit our website or contact us directly; let Birdsong Agency Inc. help you ensure that your auto insurance is ready for any season in Snellville, GA.

Does Boat Insurance Cover Towing?

Posted on April 29, 2024April 29, 2024 by admin

You probably know that boat insurance covers your vessel in most on-water accidents, but what about when it needs to be towed to a marina? And is it covered while you’re towing it behind a car or truck? The answers depend on your coverage types and the features of your specific boat insurance policy.

On-Water Towing

Many insurers cover necessary on-water towing. However, this coverage may be included or optional. It can come in handy if your boat runs aground, becomes involved in an accident, or suffers engine failure on a lake in Snellville, GA. Some policies also provide roadside assistance for boat trailers and the vehicles pulling them.

Towing on Land

Don’t forget that an accident could occur while you tow a vessel on the road. When this happens, boat insurance covers damage to the watercraft. You may need extra insurance if you want coverage to extend to your trailer. Some carriers add this coverage to boat policies, while others add it to auto insurance. Either way, a deductible often applies to claims.

If the vessel harms someone else’s property while you tow it on land, boat insurance probably won’t cover the damage. Instead, liability is usually handled by car insurance. An umbrella policy can provide additional liability protection if needed. Home or renters insurance includes some limited coverage of low-value boats but usually doesn’t cover liability. In most cases, these policies also exclude personal watercraft (like Jet Skis).

Birdsong Agency Inc. offers boat insurance and auto, home, renters, and umbrella coverage. Snellville, GA, residents benefit from our ability to help customers select policies that truly provide the coverage they need. We take the time to compare different options and explain what they cover. For more information, please call the Birdsong Agency Inc. office at 470-268-7886.

Can I Cancel My Classic Car Insurance if I Store it for the Winter?

Posted on March 29, 2024March 25, 2024 by admin

Understanding Winter Coverage for Classic Cars

A classic car owner might be tempted to cancel all or some parts of their classic car insurance during the winter. However, this might not be the best decision. Accidents can still occur even when your classic car is in storage throughout the winter. The Birdsong Agency Inc. team, located in and around Snellville, GA, is ready and available to assist you with questions about your classic car insurance or any other coverage.

The Dilemma of Classic Car Insurance during Winter

Classic car insurance policies differ from everyday driver insurance policies. Classic car insurance usually comes at a significantly lower cost than for regular vehicles, given that classic cars have mileage restrictions. However, when these timeless beauties are stored away during winter or taken out for maintenance, owners often consider canceling some or all of their insurance.

Say you chose to cancel your comprehensive insurance. This would imply that your vehicle is not insured against theft, vandalism, or fire during that period. As an owner, it’s important to consider the storage facilities and the potential for such accidents before canceling. Moreover, homeowners’ coverage typically doesn’t cover vehicles meant for road use, even when stored in your garage.

On the other hand, if you cancel your collision coverage, your car is unprotected from accidents that could occur while moving it inside the garage, if it falls off a lift, or if something falls onto it.

Aiding Your Classic Car Insurance Needs with Birdsong Agency Inc.

Accidents are unpredictable, and classic car insurance provides coverage only when the vehicle is active. The Birdsong Agency Inc. team is committed to offering classic car insurance tailored to your needs. If you live in or near Snellville, GA, call us today at 470-268-7886 or visit us. Let us help with all your insurance needs.

What’s Different About Motorcycle Insurance in Georgia?

Posted on February 29, 2024February 20, 2024 by admin

Understanding Motorcycle Insurance Requirements in Georgia

At the Birdsong Agency LLC, we frequently inform motorcycle owners newly relocated to Snellville, GA, and Gwinett County that Georgia’s legal obligations necessitate more coverage than their previous state.

Georgia’s Higher Minimum Liability Coverage

Principally, Georgia requires a higher minimum liability coverage for motorcycle operators than many states. Bullseye; bodily injury liability insurance of $25,000 per individual and $50,000 per mishap. Besides, your insurance must cater to $25,000 in property damages. This contrast is notable in light of Florida’s lower requirements of just $10,000 in personal injury protection (PIP) and property damage.

Why Comprehensive Coverage Is Significant in Georgia

Motorcycle owners in Georgia are not compelled by the state to have insurance that compensates them for bike damage or theft. This level of protection is accorded when you opt for comprehensive coverage in your policy. However, motorcycle theft coverage is valuable in Georgia, given that the state records higher motorcycle theft rates compared to states with a greater number of motorcycles, such as Ohio and Pennsylvania, and even neighboring states, such as South Carolina and North Carolina. Motorcycles often stolen include "crotch rockets" and sports bikes due to their flashy, expensive appearance. Thefts of Honda, Kawasaki, and Suzuki bikes are observed to increase annually.

Georgia as a Fault-Based Insurance State

Georgia’s fault-based insurance rule means that if you cause an accident, you are liable for all damages incurred, including your own. Hence, comprehensive and collision coverage are essential, or else you’ll shoulder the repair costs independently.

Contact the Birdsong Agency Inc.

For all your motorcycle insurance needs in Snellville and the greater Atlanta region, Birdsong Agency Inc. is more than ready to guide you. Plan your visit today!

Which Types of Boats Are Required to Have Boat Insurance?

Posted on January 22, 2024January 24, 2024 by admin

Birdsong Agency Inc. is proud to serve the residents in and around the Snellville, GA area. We are a top-notch insurance agency dedicated to providing comprehensive insurance coverage for our customers. Our team has the expertise and professionalism to help secure the right insurance policies, including boat insurance. Whether you own a fishing boat, sailboat, or any other type of watercraft, Birdsong Agency Inc. can offer tailored insurance solutions to protect your investment.

Boat Insurance Coverage

When it comes to boat insurance, boat owners need to know which types of boats need insurance coverage. Boats required to have boat insurance generally include those with an engine, such as powerboats, sailboats with a motor, and personal watercraft like jet skis. Additionally, larger boats, such as yachts, almost always require boat insurance because of their higher value and potential risk.

However, it’s important to consider that the exact insurance requirements can vary depending on the state, waterway regulations, and individual circumstances. Therefore, boat owners should consult with our insurance professionals or their state’s boating authorities to obtain accurate and up-to-date information regarding the legal requirements for boat insurance.

Get Coverage Today

At Birdsong Agency Inc, serving Snellville, GA and the surrounding areas, we pride ourselves on offering professional, reliable, and comprehensive insurance solutions. Whether you need boat coverage or any other type of insurance, our dedicated team is ready to assist you.

With years of industry experience, we understand the importance of protecting your assets and ensuring peace of mind. Call us today or stop by our office to discuss your insurance needs, and let us provide you with the details and assistance you require.

4 Reasons You Need Flood Insurance

Posted on December 19, 2023January 2, 2024 by admin

There are several types of insurance that most individuals know they need to have. Health insurance, car insurance, and homeowners insurance are a few of the basic types most people should have. What about flood insurance? This is one type that the majority of people don’t have or don’t think is necessary. There are four important reasons why you should carry flood insurance in Snellville, GA.

4 Important Reasons to Carry Flood Insurance

1. Most Homeowners Insurance Doesn’t Cover Flood Damage: Unless you’ve already added flood insurance to your policy, it most likely does not cover loss from flooding. However, it isn’t difficult to find a flood policy that meets your individual needs.

2. Nearly Every Property is Vulnerable to Flooding: Even if you don’t live near a body of water, heavy rain can occur almost anywhere and cause flooding. Even an inch of water inside your home can cause thousands of dollars worth of damage. With thunderstorms the most common type of natural disaster in Georgia, the state is prone to flooding.

3. Most Floods Do Not Receive Federal Assistance: In order to receive federal assistance for flood damage, an area must be declared a federal disaster area. Most flooding incidents do not receive this kind of declaration.

4. Peace of Mind: Of all the types of accidents and events that can occur that may cause damage to your home, this is one less thing to have to worry about.

Contact Birdsong Agency Inc. in Snellville, GA

At Birdsong Agency Inc., we can help you find the right kind of flood insurance. Our team has over 50 years of combined experience working in the insurance industry. We also offer home, life, auto, and business insurance. Contact us at Birdsong Agency Inc. today.

Which family members should have life insurance?

Posted on November 17, 2023November 29, 2023 by admin

Deciding which family members need life insurance depends on individual circumstances, but there are common reasons why families insure different adults and children. If you live in the Snellville, GA area, and have questions about family insurance, read this article and contact our Birdsong Agency Inc. team.

Insuring Family Members

By law, the insured must cooperate with the insuring process, and the person buying the life insurance must face financial loss or hardship if the insured person were to die. So, while it may be unpleasant, one way to consider the family members to be insured is to consider the financial risk associated with each family member’s passing.

Heads of Household. With few exceptions, you should insure the household’s primary breadwinners or caretakers to reduce the financial hardship of their loss. Some also insure heads of household as a means of building or passing on wealth.

Minor Children. Minor children seldom contribute to the household finances, so their life insurance policies often cover only funeral and related expenses. It can also be helpful to insure children with specific health issues to ensure they have some life insurance in adulthood.

Adult Children and Siblings. Losing adult children or siblings can have negative financial impacts if they care for or financially support aging parents for those left behind. Their loss would lead to increased elder care expenses. Life insurance for adult children and siblings with shared businesses or who have borrowed money from you can also provide financial protection against their loss.

We Are Here To Help

There are many reasons for insuring the lives of family members. Our Birdsong Agency Inc. team, serving the Snellville, GA area, will help you with these decisions and select the insurance coverage that best meets your family’s needs.

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