Is It Time to Upgrade Your Home Insurance Policy?

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When you’re a homeowner, protecting your home and property is essential. To do so, you’ll need to buy a home insurance policy. If you live in the Winder, GA, area and have questions about home insurance, our team at Ransom & Associates Insurance Agency can discuss a range of options for your home insurance policy. Our team has been providing insurance services for clients in your area since 2010.

Does Your Insurance Need an Upgrade?

If you already have home insurance, there are times you should upgrade your home insurance policy. According to Quoram FCU, if you are increasing the square footage of your home, call your insurance company. If your policy limit doesn’t reflect the larger size of your home, a disaster could leave you without enough funds to replace the damage. The same rule applies when you do a renovation, as the renovation can increase the value of your home.

Art lovers should contact their home insurance company after getting a new piece of art. You may be interested in learning that some home improvements can reduce the cost of your insurance premiums. For example, according to Quoram FCU, adding a security system that includes deadlocks or installing a fire alarm system can demonstrate additional security measures, possibly leading to lower premiums.

Call Us Today for Your Appointment

Whether you want to update your policy or you’re interested in information about our other lines of insurance, Ransom & Associates Insurance Agency is ready to help you protect your assets. Most mortgage holders must have a home insurance policy, and we can help you explore which options you need. Winder, GA residents can feel confident trusting our agency to provide their insurance needs. Call us for an appointment today, and let’s talk about insurance.

Getting a New Car? It’s Time to Update Your Auto Insurance

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At Ransom & Associates Insurance Agency, we know how exciting it can be to get a new car. We also know that you need to protect that car by updating your auto insurance policy. If you’re in the Winder, GA area, we’re here to help you adjust your policy to reflect your new vehicle, so you have the best level of protection from the very first day you own it. Whether you want to update the policy you have or consider a different one, getting in touch with us is the right choice.

Our trusted agents understand that there’s a lot to think about when you choose a new vehicle, and insurance might not be at the front of your mind. That’s why we’re here to make the process of updating your policy or changing to a new one easier and more convenient. We can provide you with quotes from multiple insurers, which will help you decide if you want to update the policy you have or choose a different one that better fits your needs and new vehicle.

We’re here to answer your questions and provide you with guidance so you feel confident in the policy you choose. Especially if you haven’t updated your policy in a while, getting a new car is a great time to go over everything with your agent and ensure that all your information is still accurate. With the right information, we can see if a different policy might be a better fit for your vehicle or the way you use it.

Contact us today at Ransom & Associates Insurance Agency if you’re in the Winder, GA area and looking for auto insurance for your new car. Whether you’re updating a current policy or getting a new one, we’ve got you covered.

Coverage For Your Motorhome’s Renovation Essentials

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Considerations for Updating Motorhome Insurance Policy Following Renovations in Winder, GA

Motorhome renovations not only provide ideal transport and living conditions when you’re traveling but also may necessitate changes to your existing motorhome insurance policy. In Winder, GA, our insurance agents can guide you through the process of updating your policy following renovations. The following information will illuminate the factors worth considering.

Structural Improvements

Structural modifications to your motorhome could increase the value of your RV. New materials can enhance the thermal envelope of your RV and provide better protection against wind and rain. Tracking structural improvements will aid in determining the appropriate amount of insurance coverage for your RV.

Use Value Enhancements

Renovations could enhance the use value of your motorhome by accommodating additional furnishings and improving visuals. These improvements may render your motorhome more attractive to potential buyers, especially if you plan to sell your RV in the future.

Mechanical Upgrades

Mechanical upgrades could make your RV safer to operate, so they should be noted in your insurance policy. Your existing motorhome insurance policy can cover the mechanical components used in upgrades. The value of each mechanical part should be considered to ensure that the coverage amount is appropriate for each upgrade.

Get Motorhome Insurance in Winder, GA

Our agents at Ransom & Associates Insurance Agency can guide you in choosing the right insurance products to protect your motorhome. Reach out to one of our agents at a time that suits you. They can schedule an appointment to discuss the renovations you’ve undertaken for your motorhome.

How To Evaluate And Update RV Insurance Coverage

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Essential Aspects of RV Insurance Coverage in Winder, GA

All RV owners understand the significance of consistent insurance coverage. Any lapse in coverage can increase premiums. Let’s cover the basics of RV insurance, and remember, it’s always a good idea to consult with a professional insurance agent for individual advice.

Shared Ownership

Shared ownership is an economical choice for families that do not live consistently in their RVs throughout the year. In this arrangement, more than one person owns and operates the RV, with co-owners typically sharing the cost of repairs and upkeep. Before entering into a co-ownership agreement, obtaining approval from your insurance company is crucial.

RV Modifications

Any alteration to recreational vehicles potentially impacts your insurance premiums. Depending on the nature of the upgrade, you might want to consider additional coverage for any potential damage. Since there’s a wide range of possible modifications, it’s advisable to speak with an agent at Ransom & Associates Insurance Agency when you make changes to your RV. They will guide you on how these alterations will affect your insurance coverage.

Off-Season Coverage

Many families love to use their recreational vehicles for summer camping trips but store them away during the rest of the year, including the harsh winter months. Maintaining your insurance coverage during these off-season times is vital to avoid lapses. However, you can often adjust your coverage for less coverage and lower premiums during these periods.

Contact Ransom & Associates Insurance Agency

Various factors can affect your RV insurance coverage in Winder, GA. It is vital to update your coverage regularly to ensure adequate coverage when needed. Professional agents at Ransom & Associates Insurance Agency are available to assist you in finding coverage that meets your needs. Contact us today to learn more about the different levels of coverage.

Five Motorcycle Insurance Trends You Should Be Aware Of

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Motorcycle insurance provides riders in Winder, GA coverage from accidents, injuries, theft, vandalism, and other perils. Understanding the current trends in the industry and choosing the right policy to ensure you have adequate coverage for a trendy bike or upgrade is essential. Ransom & Associates Insurance Agency provides insights on five motorcycle trends and how they can affect insurance policies.

1. Rising Interest in Electric Motorcycles

With environmental sustainability growing in popularity, more and more riding enthusiasts are investing in eco-friendly electric motorcycles. These clean-burning bikes reduce carbon emissions and could potentially impact your premiums.

2. Technology Equals Connectivity

The Internet of Things (IoT) is rapidly revolutionizing the motorcycle industry. This tech comprises a network of connected devices and features that can exchange, collect, and analyze data. IoT enables motorcycles to be safer, smarter, and highly efficient. It facilitates opportunities for personalization, innovation, and connectivity.

3. Advanced Safety Features

Advanced riding safety features are becoming more commonplace and effective. Manufacturers are equipping motorcycles with more sophisticated systems such as stability control and anti-lock brake systems. This could translate into potential insurance discounts.

4. Self-Driving Motorcycles

Similar to self-driving cars, motorcycle brands are beginning to offer bikes that drive themselves. While this technology is still in the developmental stages, autonomous driving motorcycles are gradually becoming a part of the industry. However, there’s currently no data on how this could impact insurance premiums.

5. 80s Styling Is Making a Comeback

The motorcycle market is seeing a resurgence in models with throwback retro body styling. While the café racer bodies remain popular, more buyers are interested in the Grand Prix racer look from the 80s.

Learn More About Insuring Trendy Motorcycle Features

Currently, trends change swiftly. Understanding how these trends can alter your insurance policy is important before proceeding. Depending on various features, special edition bikes could positively or negatively affect your premium rates. Learn more from our Ransom & Associates Insurance Agency team in Winder, GA.

Do I need boat/watercraft insurance to operate a boat in my state?

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Watercraft insurance isn’t required in every state. However, there are situations and circumstances when you’re required to carry it. A licensed insurance agent from Ransom & Associates Insurance Agency can ask the right questions to help you determine if watercraft insurance is a wise investment for you. Even though Georgia laws don’t require watercraft owners to invest in watercraft insurance, it may be needed to dock at certain marinas or if you have a boat or watercraft loan. Winder, GA watercraft owners can ask questions to get the necessary information and coverage. 

What is watercraft insurance?

Watercraft insurance protects uninsured watercraft owners if their watercraft is damaged. It also provides coverage for any property damage you may cause while operating your watercraft and any injuries you may cause to others. You may also be required to carry watercraft insurance if you’re financing your watercraft. Most lenders require insurance coverage until your watercraft is paid for in full. Your unique situation will determine whether watercraft insurance is a wise investment meant for you. We can help you explore your options. 

Do I need boat/watercraft insurance to operate a boat in my state?

Although Georgia doesn’t require watercraft owners to carry insurance, people who have a loan are usually required to carry insurance. Also, marinas may require you to have insurance to dock your boat. State laws aren’t the only determining factors when it comes to whether or not you need watercraft insurance. If you have more questions regarding watercraft insurance, we are happy to answer them. Call us. We’re standing by. We can answer all of your questions and help you get the coverage you need. 

Essential Insurance Tips for Classic Car Owners in Winder, GA

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For classic car owners in Winder, GA, Ransom & Associates Insurance Agency wants to help classic car owners protect their prized possessions and prepare for unexpected accidents or incidents that may happen.

Special Considerations for Classic Cars

When you own a classic car, you have special considerations you must keep in mind when you’re insuring your car. While there are no special insurance requirements for classic cars in Georgia beyond what any other car would require, most owners of classic cars want to have specific classic car policies because these policies are more likely to cover the entire value of the car, while standard policies often undervalue the car because they assume that factors like age and mileage lower the value of a car, which is not true with classic cars.

Classic car owners also have different priorities than other car owners. When you have a classic car, you don’t just care about how your car works. It is an investment piece and maybe even part of a collection. For many classic car owners, the sentimental value adds even more importance to the car. Thus, if your classic car is damaged, even when it would be logistically more practical to swap it out for a new car, classic car collectors would prefer giving their cars longer lives and restoring their vehicles to glory whenever possible.

With these considerations, you’ll want to seriously consider the level of coverage you want to ensure you’re making the right choice for your classic car.

Protect Your Investment

Classic cars are cherished investments, so it’s no wonder that classic car owners tend to be extra protective over their cars. At Ransom & Associates Insurance Agency, we get that Winder, GA, residents want the best for their classic cars and need insurance they can rely on. That’s why we work with each car owner to find insurance policies that give them the right amount of protection based on their situation. Request a quote, and we’ll happily work with you to reach your goals.

Common Workplace Injuries and How to Prevent Them

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Part of running a business includes making the work environment safe for your employees. If an employee becomes injured on the job despite your best efforts, you’ll need a good workers’ compensation program. If your company is in the Winder, GA, area, we invite you to contact our Ransom & Associates Insurance Agency agents. Our team has been serving insurance clients since 2010, and we’d love to talk to you about your workers’ compensation insurance needs.

Causes and Prevention of Workplace Accidents

According to TSW Training, approximately 1/3 of workplace injuries involve a slip or fall. Some of the most common reasons for employees’ falls are preventable, including wet floors, loose floor tiles, or tripping over cables or extension cords. Keeping the work area clean is one of your company’s most essential contributions to employee safety. However, if there are known hazards in the area (such as a wet floor or extension cord in the common areas of the office), be sure to post warning signs or cones in the areas to avoid them.

Wearing safe shoes in your work environment can further protect your employees and prevent slips and falls. Some companies proactively invest in their employees by issuing safe work shoes for them. Keep all work areas adequately lit, and promptly replace or repair faulty light fixtures. Providing annual work safety seminars for employees is another effective way to prevent those injuries.

Call Us Today for an Appointment

Making your workplace safe will prevent injuries and boost your staff’s morale and motivation. Ransom & Associates Insurance Agency is your one-stop-shop for all your commercial insurance needs when you need insurance in the Winder, GA, area. Call us today for an appointment and talk about insurance solutions.

My shed caught on fire. Will homeowners insurance pay for the repair of my shed?

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What Homeowners Insurance Encompasses

Homeowners insurance is a comprehensive coverage designed to cater to various aspects of homeownership. It provides coverage for your personal belongings, the interior and exterior structure of your dwelling, and every other construction on your property. To sum it up, homeowners’ insurance confers a much-needed peace of mind. Many homeowners might be ill-equipped to cater to unforeseen losses, natural catastrophes, and damages out of pocket, making insurance a financially wise move. At Ransom & Associates Insurance Agency in Winder, GA, our team is dedicated to helping homeowners understand the significance of insurance.

Understanding Homeowners Insurance

Homeowners insurance is designed to cover the repair or replacement of your dwelling, personal belongings, other structures on your land, and much more. It also offers liability protection in the form of medical coverage and property damage. It is a bundle of several coverages designed to provide insurance for your home, personal items, and property structures.

Claiming Insurance for Damaged Structures

If your shed catches fire, your homeowner’s insurance should cover it, provided the shed is within your property. However, the incident must be an eligible, covered event by your policy. If the fire results due to neglect or any other situation not covered by your insurance, your damaged shed may not qualify for coverage. Should you have further queries regarding homeowners insurance coverage, do not hesitate to contact Ransom & Associates Insurance Agency in Winder, GA. We would be delighted to assist you in exploring your options.

How Your Auto Insurance Protects Other Drivers

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Comprehensive Auto Insurance Solutions from Ransom & Associates Insurance Agency

Your auto insurance policy acts as a protective shield for you, your vehicle, and your passengers. Not only that, but it serves the critical function of safeguarding other drivers as well. If you are based in the Winder, GA area and looking to secure insurance for your vehicle, look no further than Ransom & Associates Insurance Agency. We are here to help you procure the high-quality auto coverage you need, shielding you and others involved in case of an accident or claim.

Working with an Agent: The Benefits

Collaborating with an insurance agent can offer invaluable insights about the insurance policy you are considering and assist you in comparing policy options. We can provide quotes from multiple insurance companies, giving you a wide array of options and helping you select the one that offers maximum benefits. A vital part of that policy is coverage that’s designed to protect other vehicles and their occupants. This offers protection on the road and gives you peace of mind.

Insurance that Protects Others

The segment of your auto insurance policy aimed at covering others does not only promote safety but also backs you in case of a claim against your policy. Accidents can happen unexpectedly; when they do, you want to ensure that you are equipped with the necessary coverage to handle any damages. As you review different policies, our agents can assist you in determining if you want a policy that covers the state’s insurance requirements or if you want to explore additional coverage options.

Contact Ransom & Associates Insurance Agency Today

If you are in the Winder, GA area and seeking auto insurance to protect yourself and others, contact us today at Ransom & Associates Insurance Agency. Partnering with our seasoned agents and exploring different insurance options can enable you to select the optimal policy for your needs. We are committed to ensuring your protection, confidence, and security for all your future journeys.