Will your dog PREVENT you from getting home insurance?

YOU love your dog.

Maybe it’s your baby :)

YOU know in your heart of hearts that your dog would never bite anyone.

EVER.

The problem is that SOME dogs DO bite.

Insurance companies have to pay millions of dollars a year to pay victims of dog bites.

After awhile….

Patterns emerge.

Certain dog breeds statistically BITE more than others.

Find out what these breeds are.

AND how it could impact you if you own a home.

Learn how your dog can prevent you from getting home insurance in Athens.

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How To Get Group Health Insurance Quotes In Atlanta

Group Health Insurance In Atlanta

Affordable Group Health Insurance Quotes In Atlanta From Lloyd Pro Group

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?

Did you know that group health coverage is much more affordable than most realize?

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.

This means both YOU and your prospective employees win BIG TIME.

Remember…

When your employees are healthy, your business is healthy.

Click here to learn how to get free group health insurance quotes.

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Should you get Moving insurance?

how to file home insurance claim

How to file a home insurance claim in Atlanta?

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top 5 reasons cyber attack

Do you know the top 5 reasons small businesses need cyber security insurance?

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small businesses data at risk

Did you know that 60% of all data breaches are in small businesses? Call about Cyber insurance in Atlanta.
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Will Georgia Home Insurance Pay For Sewer Back Up Clean Up?

The best home insurance discounts

What Does YOUR Atlanta Home Insurance Policy Cover?

Are you covered for Flood insurance ?

Homeowners insurance does not include Flood Insurance.

Did you know that home insurance in Georgia does not cover flood insurance?

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.
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.

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.

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.

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 flood insurance.

How to protect your home from burglary

Protecting your Home against Burglary and Save on Home Insurance:

PROTECTING YOUR HOME FROM THEFT AND BURGLARY IS A CONSIDERATION WHEN IT COMES TO HOME INSURANCE. 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.

–       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.

–       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.

–       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!

–       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.

–       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..

–       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.

–       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.

–       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.
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 forhome insurance, car insurance, life insurance, or any other needs, please call 770-497-1200, click, or come by

Are you covered for a tornado?

Are you covered for a tornado in Atlanta?

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 GEORGIA HOME INSURANCE 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.

1: Check your homeowners policy

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.

2: Call your agent asap

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.

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.

3: OK… Prove It!

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.

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.

4: Don’t trust every huckster that rings your bell offering to help you with the damage

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.

What can you do?

• Collect business cards
• Ask for written estimates
• Check proof of workers compensation insurance and general liability
• Check references
• Check for complaints with the BBB

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 (770) 381-5000

Can YOUR iphone protect your belongings?

How can you use your iphone to protect your cherished valuables?

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?

Clark Howard consumer guru from Atlanta tells us to  video tape them!

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.

1.  Get your out your iphone or android phone camera. There are several ways to do this.

• 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!)
• 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!
• Upload the video to your dropbox account.
• Download the video directly to your computer.

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.

3.  As you walk talk about your items. Describe what they are in detail

4. Contact your home insurance company to ask them if there is anything else they would like to see in the case that you need to make a claim.

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.

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.

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!

Lloyd Pro Group and Nationwide have been helping folks with their homeowners insurance since 1985. They can be reached at(770) 497-1200