When is flood insurance necessary in Georgia?

Those that live in the Americus, GA area should consider purchasing a home. Property buyers here can enjoy the long-term benefits that come with owning their homes. However, it is always important to protect your home as well as possible. For many, this could mean getting flood insurance. There are some situations when this coverage will be necessary for you. 

When Required by Lender

A common situation when you will need to have a flood insurance plan is when your mortgage lender requires it. Any mortgage provider will run searches to determine if your home is located in a high-risk flood zone. If it is in one of these locations, they will require that you carry a flood insurance plan. Most lenders will also have to approve the policy and will require monthly payments into an escrow account as it can help to ensure coverage. 

When Protecting Your Home

You may also want a flood insurance plan when you want to protect your home. If you are going to buy a home in this area, it will be a big purchase that you will want to protect. If you are concerned about the risk of flood damage in your area, getting flood insurance is a great way to protect against it. 

If you are going to purchase a home in the Americus, GA area, it will be vital to get proper insurance coverage. The team with Client First Insurance Solutions can help you with this. When you meet with Client First Insurance Solutions, they can give you the guidance needed to determine if coverage is necessary for you. They can then help you build a plan that keeps you in compliance and protects your property. 

Health Insurance: COVID-19 Special Enrollment

Would you like a little good news? A Special Enrollment Period (SEP) for Marketplace Health Insurance has been announced for the period of February 15 – May 15th, due to the COVID19 pandemic. This special enrollment period is designed to help families and individuals get the health coverage they need during the pandemic because no one should be worried about whether or not they can get insurance coverage during a global health crisis. 

Marketplace Health Insurance is usually only available for forty-five days each year. Even in a “normal” year, it can be tough to align your insurance needs with that one month. But during a pandemic, it’s even more important to make sure you and your family can get the coverage you need. Fortunately, this Special Enrollment Period extends your ability to gain affordable health insurance for three months! You can do a lot in three months!

Client First Insurance Solutions is well-known in our community for being accessible, knowledgeable, and helpful when you need assistance getting your health insurance questions answered. If you’re not sure what your current situation is or if you need to change your current plan, or if you know you need to get health insurance quickly, give us a call (229)-596-1002) or stop by our office at 132 W. Lamar Street in Americus, Georgia. We’ll spend time with you to get the best coverage at the most affordable rates. As always, we’re here to help.

4 Benefits of Health Insurance

There are more than a few good reasons to invest in a health insurance policy. For starters, your health benefits, which is the most beneficial reason for having health coverage. However, many people do not have health coverage, and they may wonder why they should invest. Whether you’re already covered, or you’re shopping for a health plan for the first time, here at Client First Insurance Solutions serving the Americus, GA area, we’d like to tip you off on the four top benefits of buying a policy. 

Emergency Room Expenses

With health insurance, you’ll likely have some coverage for emergency room visits, which are often the most unexpected as well as expensive. Something as minor as spraining your ankle can land you in the emergency room, and you must have coverage.

Inpatient Treatment Options

It’s also with health insurance that you can take advantage of various inpatient treatment options, such as surgery options that you may not have been able to access without health insurance. 

Help With Maternity Costs

Another reason to have health coverage is to cover the cost of care provided when pregnant and having a baby. Much of the time, a family health plan proves to be of the utmost benefit during pregnancies. 

Peace of Mind

Lastly, you should invest in health insurance because it provides peace of mind in knowing you can receive the care you deserve at a reasonable cost, even if part of it is out of pocket. 

To get the healthcare plan that you can benefit the most from, please don’t hesitate to contact Client First Insurance Solutions serving the Americus, GA area.

Types of Life Insurance

Choosing a life insurance policy can be overwhelming. The two main categories of life insurance are term and whole life. However, there are several subcategories, as well. At Client First Insurance Solutions in Americus, GA, we are committed to helping our customers choose the policy that is best for them. 

Term Life Insurance

Term life insurance is issued for a specific number of years or term. If you outlive the term, you don’t receive anything from the policy. You may have the option to renew the policy once the term is over. Term insurance premiums are generally lower than whole life. One reason for this is that the odds are that you will outlive your term policy, which means the policy has to pay out less often. 

Types of term life insurance include:

  • Standard term insurance
  • Simplified issue life insurance
  • Guaranteed issue life insurance

Whole Life Insurance

Whole life insurance stays with you until your death. Since the policy expects to pay out at some point, the premiums are often higher than those of term insurance. Some whole life policies also have an investment aspect. You may be able to access the money that you have paid into the policy. 

Types of whole life insurance include:

  • Standard whole life
  • Universal life insurance
  • Variable life insurance

Group Life Insurance

Group life insurance can be term or whole life insurance. Most people have access to group life insurance through their employer. Types of group of life insurance available are limited to those that the group or facilitator chooses to provide. 

Life Insurance at Client First Insurance Solutions

For more information about the different life insurance types in Americus, GA, contact us at Client First Insurance Solutions. We will discuss your needs and preferences and help you select the policy that best suits your needs. 

Types of Life Insurance

Choosing a life insurance policy can be overwhelming. The two main categories of life insurance are term and whole life. However, there are several subcategories, as well. At Client First Insurance Solutions in Americus, GA, we are committed to helping our customers choose the policy that is best for them. 

Term Life Insurance

Term life insurance is issued for a specific number of years or term. If you outlive the term, you don’t receive anything from the policy. You may have the option to renew the policy once the term is over. Term insurance premiums are generally lower than whole life. One reason for this is that the odds are that you will outlive your term policy, which means the policy has to pay out less often. 

Types of term life insurance include:

  • Standard term insurance
  • Simplified issue life insurance
  • Guaranteed issue life insurance

Whole Life Insurance

Whole life insurance stays with you until your death. Since the policy expects to pay out at some point, the premiums are often higher than those of term insurance. Some whole life policies also have an investment aspect. You may be able to access the money that you have paid into the policy. 

Types of whole life insurance include:

  • Standard whole life
  • Universal life insurance
  • Variable life insurance

Group Life Insurance

Group life insurance can be term or whole life insurance. Most people have access to group life insurance through their employer. Types of group of life insurance available are limited to those that the group or facilitator chooses to provide. 

Life Insurance at Client First Insurance Solutions

For more information about the different life insurance types in Americus, GA, contact us at Client First Insurance Solutions. We will discuss your needs and preferences and help you select the policy that best suits your needs. 

Does Auto Insurance Cover Items Left In the Vehicle?

Having good auto insurance is designed to help you make sure you’re protecting your vehicle in the case of an accident, theft, or other problem. But there can be misunderstandings about what, exactly, that insurance covers. It’s imperative for you to take a good look at your policy to understand exactly what kind of protection you have for your vehicle. If you’re not sure about the coverage limits or specifics you have with your auto policy, it’s important that you ask questions so your agent can help you understand.

Many people believe that their auto policy will cover the items they leave in their car if those items or the entire vehicle happens to be stolen. If you’re in the Americus, GA area, come to us at Client First Insurance Solutions and let us work with you on the specifics of your vehicle policy. We can show you that, typically, the items you leave in your vehicle aren’t covered by your insurance policy. Whether the entire vehicle is stolen or it’s broken into, and items are taken from it, your personal property will not be protected by the policy that covers your car.

Reach out to us today at Client First Insurance Solutions, and we can help you find an auto insurance policy that will work for your needs. Our customers in the Americus, GA area get the support and guidance they need to choose quality vehicle insurance right for their plans and goals. Having good insurance and making sure you don’t leave anything valuable in your vehicle are important ways to protect what’s yours and keep your belongings from coming to any harm. Then you can enjoy your time on the road and feel confident when you leave your vehicle unattended, as well.

How would commercial insurance protect my business?

Owning a business in the Americus, GA area can be a great way for someone to spend their career. If you are interested in starting your own small business, you will need to make a lot of important decisions. One important choice that will need to be made will come when choosing an insurance policy. This is an important decision as a full commercial insurance policy could protect your business in many different ways. 

Insurance Will Offer Liability Coverage

A commercial insurance policy is a good investment because it will provide your business with liability protection. A business owner will have a lot of liability risks that they need to take very seriously. If you do own a business, you will want to ensure that you are covered against this risk. If you do have a full commercial insurance policy, it will ensure that you can be protected if you are sued for liability.

Insurance Provides Coverage for Business Assets

A commercial insurance policy is a great form of coverage because it can also provide you with protection for business assets. Any business owner will have to invest a lot in assets needed to grow and run their business. If you are a victim of theft or a fire, you could lose these assets and have to come out of pocket to replace them. Fortunately, if you get a commercial insurance policy, you can get the coverage you need to replace these assets.

Getting a commercial insurance policy for a business in the Americus, GA area is always a good idea. If you do need insurance, you should call Client First Insurance Solutions. The team at Client First Insurance Solutions could offer you great support and protection to ensure you choose the right policy. 

Why Owning a Pool Affects Home Insurance

In lieu of expensive vacations these days, many Americus, GA residents opt to keep things closer to home and add a pool to their backyards. However, this could have a pretty significant impact on your homeowner’s insurance. Here’s what you need to know about how owning a pool affects your home insurance coverage.

Increased Liability Risk

In most cases, a home swimming pool is referred to in the industry as a pleasant nuisance. What that means is that it is highly attractive to trouble, such as small children who might be unattended or neighborhood animals. In turn, that raises the chances of a serious incident from happening.

A simple $100,000 of liability coverage on your home might not be enough if you own a pool. Accidents can happen at any time, so it is always a good idea to talk to your Client First Insurance Solutions insurance agent and determine how much more coverage you need on your policy to help protect your financial wellbeing.

Possible Damage to Equipment

Pools are expensive to maintain, and pumps, hoses, and other items certainly aren’t cheap. To ensure your homeowner’s policy covers these items after a catastrophic event, you’re going to want to make sure you’ve discussed the process with your insurance agent.

Further, some carriers consider pools (especially in-ground ones) as a separate structure of your home. If you never mention your new addition to your home to your agent, there’s a good chance it would not be covered in the event of a serious claim.

Beware of Local Municipality Guidelines

Where you live often matters when it comes to swimming pools and homeowner’s insurance. If you’re required to have a fence for your in-ground or above ground pool, you’ll likely be required to have one to meet underwriting guidelines, too.

Ready to discuss your Americus, GA homeowner’s insurance policy? Please contact our Client First Insurance Solutions team today to schedule an appointment.

Umbrella Insurance Gives You Additional Protection

When you already have insurance policies, but you want an extra layer to help protect your assets and property, you may want to consider umbrella insurance. That adds more protection to the things you value and can make it easier for you to enjoy life instead of worrying about whether you’re protected. If you’re in the Americus, GA area, Client First Insurance Solutions can help you find a policy that works for you and meets the needs you have. Whether you already have a policy that needs updating or you’re looking for a brand new policy to add more protection to your life, we’re here to help you get the right coverage for your lifestyle.

You can think of an umbrella policy in the same way you think of an actual umbrella. You may have a coat and hat to keep the rain off of you, but the umbrella adds another layer of coverage to help you stay dry. The same kind of principle applies to policies that offer umbrella coverage. You already have protection for things like your home, auto, and business, but there are coverage limits on those policies. When you add umbrella coverage, it extends beyond those limits to help ensure the fullest level of protection against any claims that might be made. Then you can truly have peace of mind from the insurance you have.

For those who live and work in or near Americus, GA, getting adequate coverage means coming to see us at Client First Insurance Solutions. We can find the umbrella insurance policy you need and help you cover all the things that matter most to you. Don’t settle for a lower level of protection that might not be enough. When you have options, you can feel good about your insurance. We know adequate insurance is vital to you, and we’re here to help.

What Does Flood Insurance Cover?

Floods are considered natural disasters. When these natural disasters occur, they often wipe out land and property and sometimes cause death as well. However, flooding is usually not covered under most homeowners and condo insurance policies. It is usually something that must be purchased separately. 

What Is Flood Insurance?

Flood insurance is specific property insurance designed to cover property that has been damaged or affected by flooding. It also covers your belongings inside a dwelling that has sustained water damage. This insurance is designed to protect both residential homes and property, as well as commercial homes and property. Not all home and business owners are required to carry this type of insurance. Typically, owners with federally regulated lenders/mortgages on properties located in high-risk flood zones are required to carry this type of insurance. However, many home and business owners elect to carry this insurance anyway. FEMA regulates the National Flood Insurance Program or NFIP. Client First Insurance Solutions of Americus, GA is dedicated to helping both home and business owners understand flood insurance and its benefits.

What Does Flood Insurance Cover?

Like homeowners insurance, flood insurance is designed to protect the structure of your home in addition to your personal belongings. However, this type of insurance is specifically designed to protect your belongings when they have sustained water damage from flooding. A flood is defined as a large amount of water on property or land that would otherwise be dry under normal circumstances. A flood is considered a disaster if two or more properties or acres have sustained damage as a result of the excess water. Flood insurance is designed to repair and or compensate you for your damaged home, business, and belongings. However, there are scenarios in which water damage may occur that aren’t covered by flood insurance. Flooding can cause land movement and other situations that aren’t covered by flood insurance. Also, moisture, mildew, and mold aren’t conditions covered under flood insurance. These conditions aren’t necessarily directly attributable to flooding.

We look forward to answering any questions you may have about flood insurance. Please give us a call. We’re here to help.