The Hyatt Agency, LLC can help get you quotes on the following types of policies: auto insurance, home insurance, life insurance, commercial auto insurance, commercial fire insurance, flood insurance, rental insurance, boat and jet ski insurance, motorcycle insurance, RV/ATV insurance, etc.
Georgia Auto Insurance: People purchase auto insurance to protect themselves and their families against costs associated with vehicle-related accidents and incidents. Depending on your situation, some types of coverage are optional, while others are required. Georgia drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. Liability insurance helps pay damages to others on your behalf if they are injured or their property is damaged in an accident or incident where you are ruled at-fault. There are other circumstances where liability coverage can help protect you (e.g., the person alleges you are at fault and makes a claim against you).
The minimum limits of liability insurance required under Georgia law are:
1. Bodily Injury Liability – $25,000 per person and $50,000 per incident
2. Property Damage Liability – $25,000 per incident
Physical damage insurance helps pay for loss or damage to your own vehicle.
There are two types of physical damage insurance:
1. Comprehensive – this type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses. 2. Collision – these covers losses associated with vehicle collisions.
Georgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it. As a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident. Georgia requires all drivers to have Liability Insurance to drive. Unfortunately, there are some drivers who either do not follow the law or may unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you.
The minimum limits of liability insurance required under Georgia law are:
1. Bodily Injury Liability – $25,000 per person and $50,000 per incident
2. Property Damage Liability – $25,000 per incident
Physical damage insurance helps pay for loss or damage to your own vehicle.
There are two types of physical damage insurance:
1. Comprehensive – this type of physical insurance, also called “other than collision coverage,” covers theft, vandalism and fire-related losses. 2. Collision – these covers losses associated with vehicle collisions.
Georgia state law does not require you to purchase physical damage coverage. However, if you financed or leased your vehicle, the lender or leasing company usually requires it. As a policyholder, you are allowed to file a claim under your own Physical Damage coverage even if someone else may have caused the accident. Georgia requires all drivers to have Liability Insurance to drive. Unfortunately, there are some drivers who either do not follow the law or may unknowingly allow their coverage to lapse or cancel. These drivers are considered “uninsured.” If an uninsured driver causes an accident that damages your vehicle or injures you or your passengers, Uninsured Motorist insurance would protect you.
10 Things to Know About Auto Insurance
1. How is Your Insurance Rate Determined?
2. Several Factors Will Affect Risk Rating
3. Ask Your Agent About Discounts
4. Tort System vs. No-Fault System
5. Check Into Optional Coverage
6. Where to Go for More Information
7. Shop Around Before You Buy
8. Where to Shop
9. For Your Protection
10. Read Your Policy Carefully
You can learn more about auto insurance, coverage options, and more by reading the Download this pdf
file. Guide for Automobile Insurance, authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.
Source: https://oci.georgia.gov/insurance-resources/auto
1. How is Your Insurance Rate Determined?
2. Several Factors Will Affect Risk Rating
3. Ask Your Agent About Discounts
4. Tort System vs. No-Fault System
5. Check Into Optional Coverage
6. Where to Go for More Information
7. Shop Around Before You Buy
8. Where to Shop
9. For Your Protection
10. Read Your Policy Carefully
You can learn more about auto insurance, coverage options, and more by reading the Download this pdf
file. Guide for Automobile Insurance, authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.
Source: https://oci.georgia.gov/insurance-resources/auto
Georgia Home Insurance: Home Insurance, also called homeowners insurance, covers losses and damage to your private residence and its contents, such as furniture, valuables, clothes, and electronics. The amount of coverage it provides varies depending on the type of policy you buy, its liability limits, your deductible, property value, etc. Most policies do not cover motorized vehicles or losses from natural disasters, like floods or earthquakes. You can usually buy coverage for these things in a separate policy.
Generally, a home insurance in Georgia policy cover:
1. Property damage to your home and other detached buildings
2. Contents and personal belongings
3. Additional costs to live somewhere else if your home is uninhabitable.
4. Personal liability to protect you from a claim or lawsuit if someone has an accident on your property that causes personal injury or damage to their property.
Natural Disaster Coverage: It is not always easy to understand what disasters a home insurance policy cover. Some policies may cover certain kinds of damage, but not others. Your coverage can also vary depending on where you live, how your home is built, the options you choose, and more. To help answer your questions about coverage for natural disasters, the Federal Alliance for Safe Homes, Inc. (FLASH®) and The Actuarial Foundation have put together “A Homeowner’s Guide to Natural Disasters.” This online guide addresses floods, hurricanes, tornadoes, earthquakes, lightning, and other threats to your home. It also provides information about insurance products and forms, which vary for different types of disasters. Additionally, it shares steps you can take to help prevent losses from natural disasters.
10 Things to Know About Home Insurance
To help you understand the basics of homeowners insurance and hopefully avoid some of the common pitfalls,
Here are ten things to keep in mind when purchasing home insurance:
1. You Need Home Insurance
2. Decide How Much Coverage You Need
3. Compare Deductibles
4. Replacement Cost or Actual Cash Value?
5. Shop Around Before You Buy
6. Ask Your Agent About Discounts
7. Basic Coverages Available
8. Where to Shop
9. Read Your Policy Carefully
10. Review Your Home Insurance Needs Every Year
Source: https://oci.georgia.gov/insurance-resources/home
Generally, a home insurance in Georgia policy cover:
1. Property damage to your home and other detached buildings
2. Contents and personal belongings
3. Additional costs to live somewhere else if your home is uninhabitable.
4. Personal liability to protect you from a claim or lawsuit if someone has an accident on your property that causes personal injury or damage to their property.
Natural Disaster Coverage: It is not always easy to understand what disasters a home insurance policy cover. Some policies may cover certain kinds of damage, but not others. Your coverage can also vary depending on where you live, how your home is built, the options you choose, and more. To help answer your questions about coverage for natural disasters, the Federal Alliance for Safe Homes, Inc. (FLASH®) and The Actuarial Foundation have put together “A Homeowner’s Guide to Natural Disasters.” This online guide addresses floods, hurricanes, tornadoes, earthquakes, lightning, and other threats to your home. It also provides information about insurance products and forms, which vary for different types of disasters. Additionally, it shares steps you can take to help prevent losses from natural disasters.
10 Things to Know About Home Insurance
To help you understand the basics of homeowners insurance and hopefully avoid some of the common pitfalls,
Here are ten things to keep in mind when purchasing home insurance:
1. You Need Home Insurance
2. Decide How Much Coverage You Need
3. Compare Deductibles
4. Replacement Cost or Actual Cash Value?
5. Shop Around Before You Buy
6. Ask Your Agent About Discounts
7. Basic Coverages Available
8. Where to Shop
9. Read Your Policy Carefully
10. Review Your Home Insurance Needs Every Year
Source: https://oci.georgia.gov/insurance-resources/home
Commercial/Business Insurance: Business Insurance helps protect your business from financial loss due to threats like property damage, theft, lawsuits, and employee injuries or illnesses. Coverage varies depending on what kind of business you own, your industry’s legal requirements, what add-on protections you purchase, and more. Some types of business insurance include, but are not limited, to:
1. Property Insurance – A general property insurance policy provides coverage for buildings, contents, equipment, and other real and personal property owned by your business.
2. Liability Insurance – A liability policy is designed to help protect your business from financial loss due to a lawsuit related to injuries, deaths, or damage to property of others caused by your products, business operations, or employees.
3. Workers’ Compensation – This coverage helps protect your employees from loss of wages or income due to a work-related injury, illness, or disease. Georgia law requires that employers with three or more full- or part-time employees carry workers’ compensation coverage.
4. Motor Vehicle Insurance – Georgia has a financial responsibility law which requires you to have insurance, or be a qualified self-insurer, for liability claims resulting from motor vehicles you own or operate in connection with your business.
5. Life & Health Insurance in Georgia – Many businesses offer life and health insurance as part of their employee benefits package to attract and retain qualified employees. Again, these are just a few examples of the types of insurance available for your business. To find out what policies you are required to have, you should speak with an insurance agency or agent who is familiar with your operations and industry. They can also help you explore and determine if there is any additional coverage you want to purchase.
You can learn more about business insurance, coverage options, and more by reading Download this pdf file. The Business Guide to Insurance, authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.
Source: https://oci.georgia.gov/insurance-resources/business
1. Property Insurance – A general property insurance policy provides coverage for buildings, contents, equipment, and other real and personal property owned by your business.
2. Liability Insurance – A liability policy is designed to help protect your business from financial loss due to a lawsuit related to injuries, deaths, or damage to property of others caused by your products, business operations, or employees.
3. Workers’ Compensation – This coverage helps protect your employees from loss of wages or income due to a work-related injury, illness, or disease. Georgia law requires that employers with three or more full- or part-time employees carry workers’ compensation coverage.
4. Motor Vehicle Insurance – Georgia has a financial responsibility law which requires you to have insurance, or be a qualified self-insurer, for liability claims resulting from motor vehicles you own or operate in connection with your business.
5. Life & Health Insurance in Georgia – Many businesses offer life and health insurance as part of their employee benefits package to attract and retain qualified employees. Again, these are just a few examples of the types of insurance available for your business. To find out what policies you are required to have, you should speak with an insurance agency or agent who is familiar with your operations and industry. They can also help you explore and determine if there is any additional coverage you want to purchase.
You can learn more about business insurance, coverage options, and more by reading Download this pdf file. The Business Guide to Insurance, authored by Georgia’s Insurance and Safety Fire commissioner, John F. King.
Source: https://oci.georgia.gov/insurance-resources/business