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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