Have Motorhome Upgrades? How Insurance Protects Your Investment

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Motorhomes offer freedom and unique experiences and adventures. Enthusiasts typically customize and upgrade their recreational vehicles for a variety of reasons, and having an RV policy in place to cover them is essential. Here are some tips from our agents at Ransom & Associates Insurance Agency in Winder, GA.

What Upgrades Do For Motorhomes

Add-ons and upgrades can do a lot for motorhomes including increasing the following:

  • Functionality: Solar panels, security systems, and water tanks are a few additions that can boost the self-sufficiency and functionality of a motorhome.
  • Comfort: Upgrades like better mattresses, climate control systems, sound systems, and custom interiors can enhance your time on the road.
  • Aesthetics: Awnings, upgraded interior decor, and custom paint work are a few ways to create a unique motorhome that reflects your style.
  • Resale Value: Add-ons and upgrades can increase the resale value of the vehicle, which comes in handy should you sell or invest in a new motorhome.

Motorhome Insurance and Customization Policies

Motorhome insurance covers more than the primary vehicle, and it can extend coverage to any customizations and upgrades. Here’s how:

  • Custom Equipment Coverage: Many motorhome policies offer customized equipment coverage. Should your add-ons and upgrades get damaged or stolen, the insurance will cover replacement or repairs.
  • Personal Effects Coverage: This coverage extends to the personal belongings inside your motorhome and includes upgraded items.
  • Agreed Value Coverage: This is a value agreed upon between the insurer and owner should the vehicle get totaled or stolen. Covered losses, including customizations, are paid to the policyholder.
  • Full-Timer’s Coverage: This coverage is designed to suit the unique needs of those who permanently live in their vehicle and includes personal effects and customizations.

Protect Your Motorhome Improvements With Adequate Insurance

Ransom & Associates Insurance Agency in Winder, GA is here to help. Reach out to us about coverage before you drive your new motorhome off the lot!

Don’t Forget Your RV Road Trip Checklist

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Most RVs today are more like a palace on wheels. And that is also why RV owners from all over Winder, GA turn to the Ransom & Associates Insurance Agency.

Protecting Your Tenement on Wheels

The truth is that beauty truly is in the eye of the beholder, and RV owners are particularly partial to their rolling abodes. In all fairness, though, RVs don’t really look like Cousin Eddie’s, and they can be a considerable investment too. 

Like any good investment, it is always worth protecting. And in particular, those investments that afford so much fun, pleasure, and opportunity. For RV owners in and around Winder, GA, that protection begins with getting the right RV insurance. And at the Ransom & Associates Insurance Agency we help RV owners find the right insurance solutions for all their RV insurance needs.

RV Insurance You Can Count On

It doesn’t matter if you drive your RV 50 miles every year or if you travel hundreds of miles a month; protecting your home away from home is important. And that is why it is important to make a checklist of everything you need before you head out in that trusted family RV. 

Don’t Forget Your RV Road Trip Checklist

From liability protection to collision coverage and more, RV owners need RV insurance solutions they can rely on. Just like a first aid kit and travel supplies, be sure that your insurance is up-to-date and good to go wherever you go. 

If you are looking for a reliable, local, and trusted professional insurance partner to help with your RV insurance needs, look no further than the Ransom & Associates Insurance Agency. Contact us to learn more or to schedule an appointment to get the RV insurance solutions you need today.

Traveling With Your Bike to a Big Rally? Why You Need Insurance

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Ransom & Associates Insurance Agency can help Winder, GA motorcycle riders find great protection for their bikes. It’s particularly important if you’re looking to attend a big bike rally soon and need to keep your bike safe.

Here are a few reasons why you’ll need motorcycle insurance:

Protect Against Collision 

When you’re on the road to a rally, you need collision protection to help repair or replace your bike if it gets damaged. It’s critical for any serious biker who loves their hog.

Manage Loss Issues 

At a bike rally, you might be at risk of getting your bike stolen or even damaged by vandals. Comprehensive protection pays out for any damage not caused by collisions.

Manage Injuries 

Getting injured on your bike or somehow injuring others at a rally can be costly to cover. Thankfully, personal injury protection and medical payments can reduce your financial suffering.

Get You Back Home 

When traveling hundreds or even thousands of miles to a rally, nothing is worse than getting stranded on the side of the road. Trip interruption coverage can get you and your bike back home. 

Trailer Protection 

Are you taking your bike to the rally on a trailer and are worried about accidents? Trailer insurance will reduce your potential costs and ensure that you can afford to pay for your trip.

Liability Support 

If you’re worried about getting sued during a bike rally for any number of stupid things, it’s critical to make sure that your bike policy has liability protection of some type.

Reach Out to Us Today 

Our team at Ransom & Associates Insurance Agency can help you find Winder, GA motorcycle insurance that fits your needs. We’ll work hard with you to make this process easier to understand and will make it easier to find a policy that fits your overall budgetary needs as a biker

Insurance Tips for Boats While in Storage

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Properly insuring your boat while it’s in storage is essential to protect a significant investment against unanticipated events. According to the insurance professionals at the Ransom & Associates Insurance Agency in Winder, GA, consider these insurance tips for your boat while in storage.

Insurance Tips for Boats While in Storage

Start by reviewing your existing boat insurance policy to be certain you understand existing limitations/exclusions.

Choose an Appropriate Storage Location:

    • Indoor Storage– with the highest level of security and overall protection. Rates may be reduced for this type of boat storage.
    • Outdoor Storage-  as one would expect, outdoor storage facilities are generally less secure, so additional coverage may be recommended.  
    • Trailer Storage requires that you ensure it is properly secured to the trailer. Consider adding or revising your comprehensive coverage to protect against damage, theft, etc.

Other Important Considerations

Certain companies provide their customers with discounts for boats in secure facilities. Check to see if you qualify.

  • Before storing your boat, take pictures to document the boat’s current condition and maintain accurate records and receipts should you need them for a future claim.
  • Invest in security for your boat storage area – i.e., a surveillance camera, alarms, etc., which may help qualify you for premium discounts.  
  • Let your insurer know about the location and security measures.
  • Review your policy’s deductible to understand how it may differ for storage-related claims. A higher deductible often translates to lower insurance premiums, but it requires higher out-of-pocket costs should a covered event occur.

Contact a Leading Insurance Agency Today

Remember that boat insurance requirements and options vary. Contact Ransom & Associates Insurance Agency in Winder, GA today.

Four things you might not realize about classic car insurance

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Classic car owners need to realize how important it is to have an insurance policy that’s appropriate to their unique coverage needs. Ransom & Associates Insurance Agency offers classic car insurance coverage to consumers in Winder, GA.

The following are four things you might not realize about classic car insurance:

Classic car insurance can cover restoration costs.

Classic car insurance often includes coverage for restoration costs, encompassing expenses related to the repair or refurbishment of vintage vehicles. This specialized coverage ensures that owners can maintain the authenticity and value of their cherished classic cars.

Classic car insurance policies might require appraisals.

Classic car insurance policies may require regular appraisals. These assessments ensure that the agreed-upon value accurately reflects the vintage vehicle’s current worth, helping owners receive appropriate compensation in case of a total loss or damage.

A vehicle might need to meet certain age requirements for classic car insurance.

Classic car insurance policies often have vehicle age requirements. These policies typically cover vehicles that are considered classics, antiques, or collectibles, with specific age thresholds that must be met to qualify for coverage.

Policyholders might need to adhere to various usage restrictions on a classic car insurance policy.

Classic car insurance policyholders may need to adhere to specific vehicle usage restrictions. These restrictions often limit the frequency and purpose of driving, ensuring the classic car is preserved for occasional use, exhibitions, or club events.

Reach Out To Us

Are you ready to get a quote on a classic car insurance policy that will cover your beloved classic vehicle? At Ransom & Associates Insurance Agency, we’re happy to help. Get a quote on a policy that will cover your vehicle in Winder, GA by visiting us online or giving us a call to get started. 

Does Commercial Insurance Cover Office Equipment?

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Having the right level of commercial insurance is essential for protecting against risk and loss. If you would like to learn more about Commercial Insurance and require assistance deciding which policy options best fit your needs, you can count on the professionals at Ransom & Associates Insurance Agency. We proudly offer services to the residents in and around Winder, GA.

Commercial Insurance Protection 

If you own a business, it’s essential to have Commercial Insurance to protect your investments. Commercial insurance not only protects the building in your business resides, but it also protects any content, such as office equipment. It’s also ideal for protecting against any liability due to customer injury or accident.

If you want to learn more about commercial protection and which policies best suit your needs, our insurance agents can help. We take the time to assess each customer’s needs and match them with policies that meet or exceed those needs. In addition, we not only assist with the policy purchase process, we also assist with any changes to the policy during its lifetime and claim submissions. Our goal is to provide exceptional customer service, so you can get the reliable commercial insurance you need to have peace of mind.

Reach Out Today 

If you’re currently in the market for commercial insurance, we can help. Please don’t hesitate to call or stop by the office of Ransom & Associates Insurance Agency in Winder, GA. We aim to assist each customer with selecting the right policy that offers protection and peace of mind. Don’t guess when it comes to your commercial insurance policy. Trust our professionals to help you get the support you need to make the right decision.

Preparing your home and family for an emergency

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Emergencies happen, no matter how much you try to avoid them. They can be weather emergencies, fires, floods, and so many different things. It is hard to be prepared for all of them. At Ransom & Associates Insurance Agency in Winder, GA we prepare you for an emergency by making sure you have home insurance that can provide the financial preparation you need. 

Have a plan

When an emergency happens, there is usually chaos. Having a family meeting and formulating a plan ahead of time can lessen the amount of tension and confusion when an emergency happens. An evacuation route is necessary, and it is wise to have more than one option planned in the event that one is not available. The family should also have a meeting spot in the home to gather. 

Stock your home

Having a supply of water in your home, enough for a week. In the event of an emergency, there may not be any potable water, and it is best to be prepared with several cases of water. If you have a septic system that requires electricity, it may be wise to fill the bathtub with water. 

Have a generator

If you live in an area that is prone to emergencies and loss of electricity, a generator is a necessity. It can mean the difference between sitting in a dark house with no electricity and losing all the food in your fridge and freezer and having the power to keep it running. 

Know where the safest spot in your house is

In the event the emergency is a tornado, have a designated spot where you will be as safe as possible. 

We Can Help!

Contact Ransom & Associates Insurance Agency in Winder, GA when you need to learn more about home insurance. Stop into our office or call us today.

Auto Insurance Coverage Options

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The agents at the Ransom & Associates Insurance Agency serving the Winder, GA area are expressing the importance of having an auto insurance policy in place.

According to the laws of the state of Georgia, all drivers are required to have auto or motorcycle insurance to be able to legally drive. Each driver must have a minimum amount of auto liability insurance that will help pay for property damage or injuries he or she causes in an accident.

Auto Insurance Coverage Options

Uninsured and Underinsured Motorist Coverage

You never know when you may have an accident due to a driver that does not have insurance or does not have an adequate amount of auto insurance period if this happens, uninsured and underinsured motorist coverage can help you repair your car and even pay medical bills that you incur due to injuries that you suffer from the crash.

Comprehensive Auto Insurance

If there is a tornado in your area or some other type of natural disaster, this type of insurance will help you pay for the repairs or replacement of your car, truck, or SUV. This also applies if your vehicle is stolen, suffers damage from a fire, or is vandalized.

Collision Insurance

If you are heading down the street and happen to collide with another vehicle or some sort of stationary object, collision insurance will help you repair your vehicle.

Both comprehensive and collision insurance will be necessary for you to have in place if you still owe a lender for your vehicle.

Contact Us Today

To ensure that you have an adequate amount of auto insurance to protect you and your vehicle properly, contact the trusted and experienced auto insurance agents at the Ransom & Associates Insurance Agency serving the Winder, GA area today!

Is Motorhome Insurance Legally Required?

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When you’re on the road, it’s essential to understand and follow the state’s laws. When you have a motorhome, you may also be required to carry specific insurance to comply. If you want to learn more about motorhome insurance, the experts at Ransom & Associates Insurance Agency provide coverage that meets your needs. We proudly serve the residents in and around the Winder, GA area with coverage that offers peace of mind. 

Motorhome Insurance 

If you own a motorhome, you must know which states require that specific coverage before you hit the road. It’s important to stay in compliance, which is why our team of agents is ready to help. We work closely with each customer to ensure they understand the terms and conditions of each policy. We strive to provide each individual with reliable coverage that protects them while on the open road. 

When you work with our team, we help you understand your current needs and match you with policy options that meet or exceed those needs. We also allow you to gather and submit documentation to secure the policy. If you have any changes along the way, we can provide support. 

We aim to give each customer the resources they need to feel confident about their insurance policy choices.

Reach Out Today

If you would like to learn more about motorhome insurance coverage, please reach out to Ransom & Associates Insurance Agency today. Call or stop by the office if you live in or around Winder, GA, and one of our team will be happy to assist you or schedule a consultation. Get reliable insurance for your motorhome so you can be protected and complainant while on the open road. 

What’s the Difference Between RV and Car Insurance?

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Could you put your RV on your auto insurance? Technically, yes. However, even though your auto liability may cover RVs, it may not give you enough coverage for everything that can happen on and off the road. Talk to the agents at Ransom & Associates Insurance Agency in Winder, GA to determine the best coverage for your rolling vacation home.

Here are some of the major differences between auto and RV insurance to help you determine the best coverage for your vehicles:

Vacation Liability Coverage

Car insurance covers accidents and related injuries. However, vacation liability, included with most RV insurance policies, covers events that can happen to your parked recreational vehicle. That can come in handy if someone vandalizes or burglarizes your RV vacation home.

Higher Limits

Large RVs are typically much more expensive than cars and other vehicles. Additionally, they cost more to own and operate. Therefore, you may need more insurance to cover your investment.

Due to their sheer size, recreational vehicles can do a lot of damage to smaller cars and trucks. In the case of an accident, this may increase your liability. Therefore, specialized insurance that compensates for this added risk can give you more financial protection and confidence when driving on busy highways. Your agent can help you decide what additional coverage would benefit you the most.

What Does Insurance on an RV Cover?

You never know what you’re going to face on the open road. That’s why it’s important to tailor your recreational vehicle insurance to your specific needs. Most policies include falling objects, vandalism, storms, fire, floods, and natural disasters. To create the right policy for you, it’s important to understand the liability you’ll face during each stage of your journey. You can do this more easily with RV coverage than with auto coverage alone.

Give Us A Call

Contact Ransom & Associates Insurance Agency in Winder, GA to set up an appointment for a free quote.