tag:blogger.com,1999:blog-74841711313682108252024-02-20T23:02:14.251-08:00Lloyd Pro Group - Nationwide Insurance Agency in AtlantaLloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.comBlogger30125tag:blogger.com,1999:blog-7484171131368210825.post-41088365708274523022015-07-20T11:12:00.001-07:002015-07-20T11:12:02.770-07:00Top 5 states with cheapest insurance<div>
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<div class="paragraph" style="text-align:left;"><a href="http://ift.tt/1Oi251q" target="_blank">Here are the top 5 states with the cheapest insurance in the country</a><br />
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While this <a href="http://ift.tt/1gKcQ1W" target="_blank" style="">article</a> tells us the top 15 states...<br />
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We didn’t want to bore you since Georgia ranks in the top 5!<br />
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I think you will be happy with what you find!<br />
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<strong style="">5. Ohio: $4,421</strong> (total average cost of insurance per year)<br />
Health: $2,658<br />
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Life: $304<br />
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Homeowners: $721<br />
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Auto: $738<br />
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Median annual earnings: $42,777<br />
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Combined insurance cost as a percentage of earnings: 10.3%<br />
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<font color="#C23B3B"><strong style="">4. Georgia: $4,327</strong> (total average cost of insurance per year)</font><br />
<a href="http://ift.tt/1Oi251s" target="_blank" style="">Health</a>: $2,163<br />
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<a href="http://ift.tt/1gKcOr7" target="_blank" style="">Life</a>: $304<br />
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<a href="http://ift.tt/1xKYwxg" target="_blank" style="">Homeowners</a>: $975<br />
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<a href="http://ift.tt/1Oi251w" target="_blank" style="">Auto</a>: $885<br />
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Median annual earnings: $41,316<br />
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Combined insurance cost as a percentage of earnings: 10.5%<br />
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<strong style="">3. Maryland:</strong> $4,185 (total average cost of insurance per year)<br />
Health: $2,165<br />
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Life: $304<br />
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Homeowners: $837<br />
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Auto: $879<br />
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Median annual earnings: $54,459<br />
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Combined insurance cost as a percentage of earnings: 7.7%<br />
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<strong style="">2. Idaho: $4,178</strong> (total average cost of insurance per year)<br />
Health: $2,387<br />
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Life: $304<br />
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Homeowners: $538<br />
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Auto: $949<br />
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Median annual earnings: $37,974<br />
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Combined insurance cost as a percentage of earnings:11%<br />
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<strong style="">1. Utah: $3,942</strong> (total average cost of insurance per year)<br />
Health: $1,896<br />
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Life: $304<br />
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Homeowners: $580<br />
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Auto: $1,162<br />
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Median annual earnings: $43,107<br />
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Combined insurance cost as a percentage of earnings: 9.1%<br />
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<strong style="">What does this mean for you?</strong><br />
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If you live here in he greater Atlanta you have some of the cheapest insurance rates in the nation.<br />
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If not…<br />
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Its time for a free insurance checkup courtesy of your friendly neighborhood insurance agents at Lloyd Pro Group.<br />
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Click, call or stop by one of our 5 convenient locations.<br />
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<a href="http://ift.tt/1EgCfZ0" target="_blank">Lloyd Pro Group | Nationwide Insurance</a><br />
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<li style="">1830 Water PL STE 105, Atlanta, GA 30339, (404) 892-2864</li>
<li style="">2675 Breckinridge<span style=""> Blvd Suite 100, </span>Duluth, GA 30096, (770) 497-1200</li>
<li style="">4919 Flat Shoals Pkwy Suite 109, Decatur, GA, 30034, (770) 808-9900</li>
<li style="">2973 Hwy 5, Douglasville, GA 30135, (770) 947-8096</li>
<li style="">1532 Howell Mill Rd NW Atlanta, GA 30318, 404-335-7050</li>
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-23267213838183082592015-06-02T14:37:00.001-07:002015-06-02T14:37:52.426-07:00Will your dog PREVENT you from getting home insurance?<p>YOU love your dog.</p>
<p>Maybe it’s your baby <span class='wp-smiley wp-emoji wp-emoji-smile' title=':)'>:)</span></p>
<p>YOU know in your heart of hearts that your dog would never bite anyone.</p>
<p>EVER.</p>
<p>The problem is that SOME dogs DO bite.</p>
<p>Insurance companies have to pay millions of dollars a year to pay victims of dog bites.</p>
<p>After awhile….</p>
<p>Patterns emerge.</p>
<p>Certain dog breeds statistically BITE more than others.</p>
<p>Find out what these breeds are.</p>
<p>AND how it could impact you if you own a home.</p>
<p>Learn how your dog can prevent you from getting <a href="http://ift.tt/1RHVyjt" target="_blank">home insurance in Athens</a>.</p>
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-10155556899583395072015-04-08T14:27:00.001-07:002015-04-08T14:27:06.718-07:00How To Get Group Health Insurance Quotes In Atlanta<div xmlns='http://www.w3.org/1999/xhtml'><h1><a href='http://ift.tt/1Cq5K5Z'><img alt='group health insurance quotes in atlanta' src='http://ift.tt/1ye4ibv' class='alignnone wp-image-166 size-large'/> </a> </h1><br /><h1>Group Health Insurance In Atlanta</h1><br /><div><br /><h2>Affordable Group Health Insurance Quotes In Atlanta From Lloyd Pro Group</h2><br /><p>If you own or manage a small business have you thought about the advantages that will come with offering your employees group health benefits and insurance?</p><br /><p>Did you know that group health coverage is much more affordable than most realize?</p><br /><p>Group health insurance will cover the employer, employees, and many times the dependents of the employees. This type of health insurance is beneficial for you, the employer, because it will help you recruit and retain the best workers. And the benefits for the employees are obvious as they will have medical coverage should they professional attention. Also, if your employee has a history of medical issues, they cannot be turned down, as is possible with an individual plan.</p><br /><p>This means both YOU and your prospective employees win BIG TIME.</p><br /><p>Remember…</p><br /><p><strong>When your employees are healthy, your business is healthy.</strong> </p><br /><p><a target='_blank' href='http://ift.tt/1Cq5Jz0'>Click here to learn how</a> to get free group health insurance quotes.</p><br /></div><br /><br/><br /><a href='http://ift.tt/1ye4gR4' rel='nofollow'><img src='http://ift.tt/1Cq5Mur' border='0' alt=''/> </a> <img height='1' width='1' src='http://ift.tt/1Cq5Kmi' border='0' alt=''/><br/><br /><br/><br />from WordPress http://ift.tt/1DllHiJ<br/><br />via <a href='http://ift.tt/16Xitlp'>IFTTT</a></div>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-72585877088246610632015-04-06T14:33:00.001-07:002015-04-06T14:33:07.024-07:00Should you get Moving insurance?<div xmlns='http://www.w3.org/1999/xhtml'/>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-18259120133597263542015-03-16T13:24:00.001-07:002015-03-16T13:24:22.571-07:00how to file home insurance claim<div xmlns='http://www.w3.org/1999/xhtml'><div><img style='max-width:600px;' src='http://ift.tt/1GVtN3S'/><br /><div>How to file a home insurance claim in Atlanta?<br /><p>via Flickr <a rel='nofollow' href='http://flic.kr/p/rDDTCL'>http://flic.kr/p/rDDTCL</a> </p><br /></div><br /></div><br /><br/><br /><a href='http://ift.tt/1Bqse5Y' rel='nofollow'><img src='http://ift.tt/1GVtN3U' border='0' alt=''/> </a> <img height='1' width='1' src='http://ift.tt/1BqsbXV' border='0' alt=''/><br/><br /><br/><br />from WordPress http://ift.tt/1EkyvSR<br/><br />via <a href='http://ift.tt/16Xitlp'>IFTTT</a></div>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-21770039163551105202015-03-03T00:08:00.001-08:002015-03-03T13:56:59.031-08:00How to Volunteer with Your Kids<div xmlns="http://www.w3.org/1999/xhtml">
Volunteering for a great cause is much easier than applying for a job. Charitable organizations and other institutions are more than happy to accept any individuals who are willing to provide some assistance. Schools often have significant partnerships with plenty of local facilities and other entities that are seeking some volunteers throughout the year. During […]<br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-67059139341361666952015-03-02T13:53:00.001-08:002015-03-03T13:57:11.570-08:00Why are small businesses are dumping employee health insurance?<div xmlns="http://www.w3.org/1999/xhtml">
Since the affordable care act more and more small businesses are dumping employee benefits packages. Don’t fall into this trap. Why would they do that? First of all businesses with 50 or fewer employees are not required to offer health insurance under Obama Care. In a moment though we will discuss why you might want […]<br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-17761838690803714162015-02-24T13:22:00.001-08:002015-03-03T14:00:17.648-08:00Does Big Business Back Obamacare?<div xmlns="http://www.w3.org/1999/xhtml">
The Supreme Court is hearing arguments challenging the Patient Protection and Affordable Care Act. What is the biggest source of contention? The PPACA has a provision of federal tax subsidies to make health insurance affordable for the less-well-off. The biggest complaint of the plaintiffs? The four Virginia residents say they can’t afford coverage but claim […]<br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-55926473036651532772015-02-24T12:37:00.003-08:002015-03-03T13:58:43.338-08:00top 5 reasons cyber attack<div xmlns="http://www.w3.org/1999/xhtml">
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Do you know the top 5 reasons small businesses need cyber security insurance?<br />
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<a href="http://bit.ly/1A3UMBB" rel="nofollow">bit.ly/1A3UMBB</a><br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-78345445750800064892015-02-24T12:37:00.001-08:002015-03-03T13:59:15.903-08:00small businesses data at risk<div xmlns="http://www.w3.org/1999/xhtml">
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Did you know that 60% of all data breaches are in small businesses? Call about Cyber insurance in Atlanta.<br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-73262395224927051712015-02-24T00:08:00.001-08:002015-03-03T13:56:32.155-08:00Improving Indoor Air Quality<div xmlns="http://www.w3.org/1999/xhtml">
Poor air quality, such as pollution, is something that most people correlate with the outdoors. However, offices, homes, and other types of dwellings can make the air that you breathe indoors just as hazardous as the outdoors. The following steps can aid in improving the quality of air inside your home. Keep Your Floors Clean […]<br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-14184704152363919932015-02-23T13:21:00.001-08:002015-03-03T13:55:48.816-08:00Cyber Insurance Plans infographic<div xmlns="http://www.w3.org/1999/xhtml">
We have discussed the seriousness of protecting your business and clients info with cyber insurance plan in Atlanta. How does your business STACK up to what other CEOs are doing nationwide? Notice some of the interesting stats in this infographic: Notice that more CEOs plan to spend time on security management this year over last […]<br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-68203988888896068302015-02-17T06:46:00.001-08:002015-03-03T13:57:18.137-08:00Tips for Pet Dental Health<div xmlns="http://www.w3.org/1999/xhtml">
Just like humans, cats and dogs need to receive proper dental care on a regular basis. Periodontal disease is a serious concern for your furry friends. Regardless of the type of food they eat, canine and feline pets will develop some form of periodontal problems at a relatively early age. The accumulation of plaque and […]<br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-58254364845041992152015-02-10T00:08:00.001-08:002015-03-03T13:55:53.117-08:00Tips for Better Time Management<div xmlns="http://www.w3.org/1999/xhtml">
It can be hard to find enough time to do everything you need to during the day. This is often because people have issues with time management. Not managing your time well can cause you to lose track of what has to be done. You should know several tips for better time management. Write Out […]<br />
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-20327571613508890152015-02-03T00:08:00.001-08:002015-02-03T00:08:39.635-08:00How to Grow Your Professional Network<div xmlns='http://www.w3.org/1999/xhtml'>Building a professional network is a key factor to consider any time you are working in business or thinking of working on your very own company and start up. Having a network of valuable contacts gives you access to more opportunities while also garnishing the support you need to grow and expand any business you […]<br/><br /><br/><br />from Lloyd Pro Group http://ift.tt/1zOJ18F<br/><br />via <a href='http://ift.tt/16Xitlp'>IFTTT</a></div>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-74803504446285350782015-01-30T02:52:00.003-08:002015-01-30T02:52:33.137-08:00Will Georgia Home Insurance Pay For Sewer Back Up Clean Up?<div xmlns='http://www.w3.org/1999/xhtml'/>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-6014770364159377302015-01-30T02:52:00.001-08:002015-01-30T02:52:31.452-08:00The best home insurance discounts<div xmlns='http://www.w3.org/1999/xhtml'/>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-84985892376795617662015-01-28T03:14:00.001-08:002015-01-28T03:14:53.557-08:00What Does YOUR Atlanta Home Insurance Policy Cover?<div xmlns='http://www.w3.org/1999/xhtml'/>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-76804041915965701592015-01-27T00:08:00.001-08:002015-01-27T00:08:15.419-08:00Regular Car Maintenance: Why It’s Important<div xmlns='http://www.w3.org/1999/xhtml'>Most drivers know the importance of having oil changes done to their cars several times per year. However, it’s also essential to understand the significance of other auto services that can improve road safety. Brand new tires usually come with tread depths of about 11/32″. When the tread becomes worn out to about 2/32″ of […]<br/><br /><br/><br />from Lloyd Pro Group http://ift.tt/1y2h2fn<br/><br />via <a href='http://ift.tt/16Xitlp'>IFTTT</a></div>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-25496508401172830522015-01-26T16:42:00.001-08:002015-01-27T12:33:56.474-08:00Are you covered for Flood insurance ?<h2 style="background-color: #f2e2c1; font-family: Georgia, 'Times New Roman', Times, serif;">
Homeowners insurance does not include <strong>Flood Insurance</strong>.</h2>
<div style="background-color: #f2e2c1; font-family: Georgia, 'Times New Roman', Times, serif; line-height: 22.3999996185303px;">
Did you know that <a href="http://www.lloydprogroup.com/coverage/home-insurance/" sl-processed="1" style="color: #5b211a; text-decoration: none;" target="_blank">home insurance in Georgia</a> does not cover <strong>flood insurance</strong>?</div>
<div style="background-color: #f2e2c1; font-family: Georgia, 'Times New Roman', Times, serif; line-height: 22.3999996185303px;">
Many people don’t. They assume that since it is regarding the home, the flood insurance to cover the home is included in the home insurance. You will need a separate flood insurance policy to cover your home. You can get this policy through your agents at Lloyd Pro Group.<br />At Lloyd Pro Group we want to make sure you understand the specifics of your flood insurance and homeowners insurance coverage and are fully aware of all your options- especially when it comes to your homeowners or renters insurance policy.</div>
<div style="background-color: #f2e2c1; font-family: Georgia, 'Times New Roman', Times, serif; line-height: 22.3999996185303px;">
Because Georgia homeowner’s insurance and renter’s insurance do not cover floods, it has is becoming increasingly imperative for you to purchase a custom Georgia flood insurance policy to appropriately protect your home, especially if you are located in a flood zone.</div>
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Natural disasters happen- and most without warning. It is up to you to shield yourself from the consequences and trouble they can cause. That’s why at Lloyd Pro Group, we continue to help you are aware of your options, understand the risks, and get the coverage that works for you.</div>
<div style="background-color: #f2e2c1; font-family: Georgia, 'Times New Roman', Times, serif; line-height: 22.3999996185303px;">
As you know, we provide excellent home insurance and renter insurance policies. But we also want to ensure that you recognize that there may be gaps in your coverage that need to be addressed. Our home policy covers the structure of your home insurance as well as liability, but there are additional risks that you may need a separate insurance plan for, such as <em>flood insurance</em>.</div>
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-27782293432030598262015-01-25T16:44:00.001-08:002015-01-27T12:34:42.065-08:00How to protect your home from burglary<header style="background-color: #f2e2c1; font-family: Georgia, 'Times New Roman', Times, serif;"><h1>
<a href="http://www.lloydprogroup.com/home-insurance-tips/home-insurance-protecting-your-home-against-burglary/" sl-processed="1" style="color: #5b211a; text-decoration: none;" target="_blank">Protecting your Home against Burglary and Save on Home Insurance</a>:</h1>
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PROTECTING YOUR HOME FROM THEFT AND BURGLARY IS A CONSIDERATION WHEN IT COMES TO <a href="http://www.lloydprogroup.com/coverage/home-insurance/" sl-processed="1" style="color: #5b211a; letter-spacing: 0px; text-decoration: none;" target="_blank">HOME INSURANCE</a>. THEFT CLAIMS ORE ONES THAT CAN RAISE YOUR PREMIUM AND NO ONE WANTS TO FEEL THE VIOLATION WHEN AN UNWANTED PERSON IS IN YOUR HOME AND RIFLING THROUGH YOUR POSSESSIONS. NO ONE WANTS TO GO THROUGH THE HEARTACHE OF LOSING VALUABLE ITEMS OR MAKING A CLAIM TO YOUR HOME INSURANCE. NOW FOR THE GOOD NEWS: THERE ARE PRECAUTIONS YOU CAN TAKE TO PROTECT YOURSELF AND YOUR FAMILY FROM BURGLARY AND THEFT.</div>
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– Know your neighbors. Look out for each other. Create a neighborhood watch committee if yours doesn’t already have one. You can even have the local police department come in and host for you.</div>
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– Trim your shrubbery so it doesn’t cover any doors or windows. Burglars look for places to hide- especially near openings. Don’t give them the opportunity.</div>
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– Use deadbolt locks and secure all entries into your home. Keep doors locked while you’re there. Deadbolts and a security alarm are both discounts on your home insurance policy!</div>
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– Install a peephole in your front door, and use it. Know who it is at your door before you open it. Don’t give bad guys the chance to force their way in.</div>
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– Talk to your kids about not opening the door to strangers. Make sure they know to not to let anyone know a parent is not home..</div>
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– Don’t hide keys outside the front of your house. If possible, make sure everyone has their keys. Keep one for emergencies, but not hidden where anyone can watch where. Maybe around back, where a passerby can’t see what you are doing. Many crimes are those of opportunity.</div>
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– Mark valuable property with a code or number you would recognize. Dremel tools are inexpensive and super handy. For one, you can etch your initals into about anything. Any type of permanent identifying marks will deter a would be thief.</div>
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– Use timers to turn lights and radios on and off when you are on vacation, and stop newspaper and mail delivery until you return home. If anything, have a neighbor bring mail or newspapers inside. You can keep a radio or TV on during the day, too.<br />Lloyd Pro Group, representing Nationwide Insurance, is here for our clients- through thick and thin. We want to make sure that you are covered for all possibilities, but that we also provide you with the tools to prevent any kind of loss. If you need a quote for<em>home insurance</em>, car insurance, life insurance, or any other needs, please call 770-497-1200, click, or come by</div>
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-1498126881424984642015-01-24T13:54:00.001-08:002015-01-27T12:36:08.974-08:00Are you covered for a tornado?<header style="background-color: #f2e2c1; font-family: Georgia, 'Times New Roman', Times, serif;"><h1>
<a href="http://www.lloydprogroup.com/home-insurance-tips/are-you-covered-for-a-tornado/" sl-processed="1" style="color: #5b211a; text-decoration: none;" target="_blank">Are you covered for a tornado in Atlanta?</a></h1>
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WHILE TORNADO’S ARE RELATIVELY RARE HERE IN ATLANTA WE HAVE HAD OUR FAIR SHARE OVER THE LAST FEW YEARS, HAVEN’T WE? THAT BRINGS UP THE QUESTION THEN, WILL YOUR <a href="http://www.lloydprogroup.com/coverage/home-insurance/" sl-processed="1" style="color: #5b211a; letter-spacing: 0px; text-decoration: none;" target="_blank">GEORGIA HOME INSURANCE</a> PROTECT YOU IN CASE A TORNADO? WILL YOUR HOME AND BELONGINGS BE COVERED IF THERE IS ANY DAMAGE TO THEM? HEE ARE A FEW TIPS TO HELP YOU ANSWER THAT QUESTION.</div>
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<strong>1: Check your homeowners policy</strong></div>
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Yes, your home is usually protected against tornado and wind damage as long as you pay your homeowners insurance premiums. It wouldn’t be a bad idea though to double check your policy for the details. If you are not too sure just contact your GA insurance agent and they will answer that question for you.<span id="more-704"></span></div>
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<strong>2: Call your agent asap</strong></div>
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So in the instance of your home being hit by a tornado you need to contact your GA insurance company ASAP! Why is this so urgent? Well depending on your coverage and the state you live in your policy might actually put a time limit on filing tornado claims. This means that every moment counts.</div>
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Now remember, in the event of a tornado you probably will not be the only ones filing a claim. This is another reason to call them as soon as possible. These claims will be addressed by priority so the more damage to your home, then the sooner you will be helped. Make sure you give them all of your contact information.</div>
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<strong>3: OK… Prove It!</strong></div>
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The key to this is being organized. Get a camera and a roll of film and document every part of the damage to your home and belongings. These photos will help you to get your claims both quicker and easier.</div>
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The reason we say you need to be organized is that you will need to show the value of the items that were destroyed. So do you have receipts and pictures of your belongings in a safety deposit box? If not, think of how frustrating it will be to try to prove it later on to the insurance company.</div>
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<strong>4: Don’t trust every huckster that rings your bell offering to help you with the damage</strong></div>
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Remember that scammers and snake oil salesmen come out of the woodwork during times of natural disasters like this. So be leary of every one that comes knocking on your door wanting you to sign a contract. The offer to handle everything with the insurance company. All you have to do is sign on the dotted line.</div>
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What can you do?</div>
<ul>
<li>Collect business cards</li>
<li>Ask for written estimates</li>
<li>Check proof of workers compensation insurance and general liability</li>
<li>Check references</li>
<li>Check for complaints with the BBB</li>
</ul>
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Lloyd Pro Group and Nationwide insurance have been helping Atlanta protect what is most important to them since 1985. Lloyd Pro Group can be reached at <strong>(770) 381-5000</strong></div>
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-81123107306287788592015-01-24T07:16:00.000-08:002015-01-27T12:36:49.246-08:00How do you know you are REALLY covered with your property insurance?<a href="http://www.lloydprogroup.com/home-insurance-tips/how-do-i-know-if-my-valuables-are-protected-with-property-insurance/" target="_blank"><strong>How do I know that my personal things are protected with property insurance?</strong></a><br />
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So you are loyally paying your Atlanta renters insurance and <a href="http://www.lloydprogroup.com/coverage/home-insurance/" target="_blank">home insurance premiums</a> religiously for years. Thankfully you haven’t needed to file a claim yet.
But what if you needed to do so tomorrow… Would you be covered like you would hope to be?
<strong>It all depends on what kind of riders you have added to your policy.
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Your Atlanta home insurance company offer “riders” that can be added to your policy to provide additional coverage. For example here are two riders that you can select:<span id="more-1096"></span>
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<ul>
<li><strong>Actual Cash Value: </strong>The coverage will pay out on what the property is worth at the time of the loss. As you can imagine this takes into consideration depreciation of the item based on the Age of the item, market value and the condition of the property at the time of loss or damage. In other words a $1,000 TV when new might only be worth $150 now after a few years of use.</li>
<li><strong>Replacement Cost</strong>: This coverage will write you a check (minus the deductible) for what it would cost to REPLACE the item and buy you a new one if damaged or destroyed. It ignores depreciation completely.</li>
</ul>
In fact <a href="http://www.lloydprogroup.com/blog/clark-howard-decatur-ga-home-insurance/">Clark Howard </a>suggests that “replacement value” is the way to go on his radio show. Of course you will need to request this rider as it isn’t automatically part of your property insurance policy. In fact we would suggest adding this rider to anything you have that would be expensive to replace, like <a href="http://www.lloydprogroup.com/blog/will-home-insurance-cover-my-expensive-jewelry/">expensive jewelry</a> for example.
If you are unsure about what kind of homeowner insurance protection you have or would like to learn more about replacement value riders then all you have to do is click, call or come by and visit for awhile.
Lloyd Pro Group and Nationwide insurance have been providing Georgia home insurance for Atlanta since 1985. They can be reached at <strong>(770) </strong><strong>497-1200</strong>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-69446265350354488942015-01-24T06:05:00.001-08:002015-01-27T12:37:00.349-08:00Can YOUR iphone protect your belongings?<header style="background-color: #f2e2c1; font-family: Georgia, 'Times New Roman', Times, serif;"><h1>
<a href="http://www.lloydprogroup.com/home-insurance-tips/video-cameras-can-protect-your-valuables/" sl-processed="1" style="color: #5b211a; text-decoration: none;" target="_blank">How can you use your iphone to protect your cherished valuables?</a></h1>
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What would you do if a burglar broke into your home and stole your most valuable possessions? Unfortunately this happens every day in the world we live in. Sure you have GA home insurance to protect you, but how do you prove what you had once it is stolen?</div>
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<a href="http://www.lloydprogroup.com/news/clark-howard-decatur-ga-home-insurance/" sl-processed="1" style="color: #5b211a; text-decoration: none;">Clark Howard</a> consumer guru from Atlanta tells us to video tape them!</div>
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Here are a few tips on how to do this so you will have a recorded inventory of your valuables if you needed to present them to the insurance agency in case of a claim.<span id="more-645"></span></div>
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1. Get your out your iphone or android phone camera. There are several ways to do this.</div>
<ul>
<li>If you don’t have one borrow one from a friends and family. (This is the one that Clark Howard suggests because it is free!)</li>
<li>Years ago you would have to spend a lot of money on a video camera. Now smart phone cameras allow you to take awesome video!</li>
<li>Upload the video to your dropbox account.</li>
<li>Download the video directly to your computer.</li>
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2. Walk through your home very slowly room by room panning your personal possessions. Take the time to get close ups of all the valuable things you have.</div>
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3. As you walk talk about your items. Describe what they are in detail</div>
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4. Contact your <a href="http://www.lloydprogroup.com/coverage/home-insurance/" sl-processed="1" style="color: #5b211a; text-decoration: none;" target="_blank">home insurance company </a>to ask them if there is anything else they would like to see in the case that you need to make a claim.</div>
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5. Make 2 DVD copies. One for you and one for the insurance agent in case they ask for it. Do not miss this important step. If you leave it on your computer and the computer is stolen you will be sorry.</div>
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6. Keep the DVD in a fireproof safe or better yet in a sfe deposit box so that it isn’t detroyed by fire or stolen.</div>
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We hope these tips will be helpful to you in cataloging your personal possessions whether you own a home or are just renting. Hopefully you will never need to make claims on your things, but that is what a little “insurance” is for!</div>
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Lloyd Pro Group and Nationwide have been helping folks with their homeowners insurance since 1985. They can be reached at<strong>(770) </strong><strong>497-1200</strong></div>
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Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0tag:blogger.com,1999:blog-7484171131368210825.post-46240734549431495672015-01-23T07:15:00.000-08:002015-01-27T12:37:58.668-08:00Are you using a home inventory sheet yet?<h2>
<a href="http://www.lloydprogroup.com/home-insurance-tips/protect-personal-property-using-home-inventory-sheet/" target="_blank">Use a home inventory sheet to help you with your Atlanta home insurance claims</a></h2>
Nobody wants to lose their personal belongings to fire, theft or water damage. Yet, because “stuff happens” it is a real potential problem for all of us. So whether you have renters insurance or <a href="http://www.lloydprogroup.com/coverage/home-insurance/" target="_blank">home insurance in Atlanta</a>, pay very close attention to what we are about to share with you.
<strong>So what can you do to protect yourself?</strong>
This is where having a detailed inventory as well as proof of ownership at the time of a loss can really help to settle your claims faster and easier.
Now an accurate inventory will take some time to put together, but remember <span id="more-1112"></span>how much time and headaches it will save you later on.
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<strong>What should your home inventory include?</strong></h3>
<ul>
<li>Walk through every room of your home and make a detailed list of your personal belongings</li>
<li>Keep the receipts of the items in your possession (to prove ownership later)</li>
<li>Record detailed descriptions of your things</li>
<li>Take photos or <a href="http://www.lloydprogroup.com/blog/video-cameras-can-protect-your-valuables/">video of the items in your home</a>.</li>
</ul>
I am not going to lie to you… it will take some time to do this, just focus on how happy you will be in case you have a claim later on!
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<h3>
<strong>Where should I keep my inventory sheet?</strong></h3>
It doesn’t really make sense to keep this at home, does it? In case of fire or water damage it would be destroyed. So the experts suggest keeping it in a safe deposit box if you can.
Whether you live in Marrietta, Austell, Smyrna, Vinings, Dunwoody, Roswell or anywhere in Cobb county for that matter a home inventory is essential in settling claims easily and quickly later on. Yet most people never bother to do so. Don’t fall into this trap too!
In a future article we will share tips for doing a home inventory that will reward you when you need it.
<em>Lloyd Pro Group and Nationwide insurance have been providing homeowners insurance for families since 1985. They can be reached at <strong>404-892-2864</strong></em>Lloyd Pro Grouphttp://www.blogger.com/profile/07343215194364949950noreply@blogger.com0