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Motorcycle Mistakes That Could Void a Claim

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Most people who purchase insurance know that claims can be denied. That being said, they may not know the common reasons for claim denials or what they can do to reduce the likelihood that their own claims will be denied. If you’re a motorcycle rider, knowing why motorcycle insurance might reject your claim is crucial. Here’s a list of some of the top reasons. When you’re ready to look for insurance for your motorcycle, Ransom & Associates Insurance Agency, serving Winder, GA, is here to help.

What Mistakes Can You Make That Could Result in a Claim Denial or Policy Cancellation? 

Some of the biggest mistakes you can make that could lead to problems with your motorcycle insurance include:

  • Making unauthorized customizations to your motorcycle. At best, unauthorized changes may leave you with less coverage than you anticipated. At worst, certain changes can get you in trouble with your motorcycle insurance company, leaving you stuck with repair bills, medical bills, and beyond. 
  • Waiting too long to file a claim. One mistake people make is taking too long to see a doctor or file a claim after an accident. Doing this can result in challenges getting your claim approved. If the statute of limitations runs out, you could even miss your opportunity altogether.
  • Engaging in illegal activities or lying to your motorcycle insurance policy provider. Doing things you know you shouldn’t and getting caught is a great way to end up with a claim denial or, worst, being dropped by your insurance company. 

Stay Safe on the Road With Ransom & Associates Insurance Agency

Motorcycle insurance isn’t something you can do without. We can make getting the right policy easier. Start shopping for motorcycle insurance with Ransom & Associates Insurance Agency, serving Winder, GA. 

Do You Need Watercraft Insurance for Canoes?

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You may think you need boat/watercraft insurance for anything you take on the water, including small vessels like canoes. While there’s nothing wrong with getting a policy for your canoe, it’s important to consider all the pros and cons. 

Damages

Most people in Winder, GA, want insurance in case their vessel is damaged. However, canoes are relatively inexpensive and often don’t wind up in rough waters. They’re likely stored indoors, which helps protect them from damage caused by natural disasters. Your home policy may cover damages while the canoe is stored on your property. Contact your agent to determine if it’s covered. 

Consider the cost of replacing the canoe and your deductible. An insurance agent at Ransom & Associates Insurance Agency can help you determine which would be more expensive. 

Liability 

Liability policies are usually beneficial for everyone. These can cover damages you cause to other people’s property and bodily injury you cause to others. However, you’ll need to consider whether you’re likely to damage property while in your canoe. If you park it in a marina, this is usually required. 

Other Situations

Boat/watercraft insurance may be helpful in various other situations. For example, some add-ons can provide towing assistance if you find yourself stranded on the water. Some policies will cover theft and vandalism, such as if someone breaks in and spray-paints your canoe. 

Knowledgeable agents at Ransom & Associates Insurance Agency serving Winder, GA, will discuss your situation with you to help you determine what type of policy you need. We’ll help you make sure you don’t end up paying for unnecessary coverage. Contact us today.

Protecting Rare or Hard-to-Find Replacement Parts

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Owning a classic car is about more than driving; it’s about preserving history. The thrill of hearing an engine roar or seeing polished chrome shine is matched only by the satisfaction of knowing every detail has been carefully maintained. Replacement parts, especially rare ones, deserve extra attention. As your classic car insurance representative, Ransom & Associates Insurance Agency, serving Winder, GA, offers this helpful advice.

Why These Parts Are So Hard to Replace

For modern vehicles, parts are readily available. For classic cars, it’s a different story. Many original components haven’t been manufactured for decades. Finding a carburetor, trim piece, or factory-correct upholstery often requires searching swap meets, specialized shops, or private sellers. When a rare part that took months to locate is damaged or lost, the setback can be more than frustrating—it can completely stall a restoration project.

Insurance That Understands Collectors

Standard auto insurance typically doesn’t account for the value of rare parts. This is where classic car insurance makes a difference. Policies can be written on an agreed-value basis, ensuring coverage reflects the true worth of the vehicle and its components. Some insurers even allow owners to catalog and itemize rare parts separately, creating a clear record that simplifies claims if the unexpected occurs.

Practical Protection at Home

While insurance is essential, proper storage is equally important. Rare parts should be kept in secure, climate-controlled areas to prevent moisture damage or accidental harm. Taking photos, saving receipts, and labeling storage boxes adds another layer of protection. These steps make it easier to prove the value and condition of parts if a claim ever becomes necessary.

Rare parts are pieces of a bigger story. Protecting them ensures classic cars stay on the road rather than sitting indefinitely in a garage waiting for replacements. With the right combination of insurance and care, enthusiasts can focus less on worry and more on enjoying the drive. Contact Ransom & Associates Insurance Agency, serving Winder, GA, to learn more about protecting your classic car and its rare components.

Why Get Commercial Insurance from An Independent Insurance Company?

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Commercial insurance is essential for protecting your business in various ways. It can cover the costs to repair or replace damaged property, insure your company’s vehicles while they’re on the road, and even pay medical bills for employees injured on the job.

If you’re a business owner in need of commercial insurance, the professionals at Ransom & Associates Insurance Agency, serving Winder, GA, are here to help. As independent insurance agents, we have the resources to provide multiple quotes, allowing you to find the best insurance policy for your needs.

What Is an Independent Insurance Agent?

An independent insurance agent works with multiple insurance carriers, unlike captive insurance agents, who only represent one carrier. When you work with an independent insurance agent, shopping for coverage becomes simple. Your agent can help you compare different policies to find the best fit for your business.

Why Choose an Independent Insurance Agency for Commercial Insurance?

Working with an independent insurance agent gives you access to a wide range of options without the hassle of contacting multiple insurance companies. Your independent agent acts as a one-stop shop, helping you secure the best coverage for your business at the right price.

Need Commercial Insurance? Contact Us

If you need commercial insurance, contact Ransom & Associates Insurance Agency, serving Winder, GA. We partner with numerous carriers to help our clients find the right coverage at competitive rates. Best of all, if you ever need to file a claim, we’re here to assist you. To start shopping for your commercial insurance, reach out to us today. Our knowledgeable insurance experts are ready to help.

How Home Insurance Protects Your Belongings

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When most people think about home insurance, they focus on the protection it provides for their home itself. While this is an important aspect of coverage, home insurance also includes protection for your belongings. This essential type of coverage often goes unnoticed until it’s needed. If you’re looking for home insurance to safeguard both your home and your belongings, we can help. Contact us at Ransom & Associates Insurance Agency in Winder, GA.

The Value of Your Belongings

It’s easy to overlook the value of your belongings and forget how much they cost. The items in just one room can add up to a significant amount. Replacing everything in a single room can be extremely expensive, and that’s only a fraction of your home’s contents. When you consider the cost of replacing everything in your house, the total can be overwhelming—far more than most people can afford. This is where home insurance becomes invaluable.

Insurance Protection for Your Belongings

If a damaging event destroys or severely damages your belongings, your home insurance policy can cover the cost of replacing them. It’s essential to have comprehensive coverage for your belongings, as most homes contain a multitude of items. Larger homes typically have more belongings, which means you may need additional coverage to ensure everything is protected.

Get Home Insurance Today

Home insurance is essential for protecting both your home and its contents. If you don’t have home insurance yet, there’s no time to wait. To learn more about home insurance policies and get started with one of your own, contact us at Ransom & Associates Insurance Agency in Winder, GA.

Do You Need to Add Umbrella Coverage to Your Auto Insurance Policy?

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Many drivers may not need umbrella auto insurance, as regular auto insurance typically provides sufficient coverage for most incidents. However, residents of Winder, GA, who have valuable assets should seriously consider umbrella coverage to protect their net worth in the event of a severe auto accident.

How Does Umbrella Coverage Work?

Umbrella coverage does not replace regular auto insurance. Instead, it provides additional coverage if you exceed the limits of your auto insurance policy. For example, if property damage, bodily injury to third parties, or a legal judgment surpasses your regular insurance limit, umbrella insurance will cover the difference. Additionally, umbrella insurance can provide coverage for situations not typically included in standard auto insurance policies, such as false arrest, malicious prosecution, wrongful entry, invasion of privacy, and incidents that occur outside the United States.

However, umbrella insurance has its limitations. If it is added to a personal auto insurance policy, it will not cover damages from accidents that occur while using the vehicle for business purposes. It also does not cover criminal acts committed by the policyholder or damages caused by war, terrorism, or other similar events.

Call Ransom & Associates Insurance Agency for More Information

Umbrella insurance is relatively affordable and can save you tens of thousands of dollars over time. However, determining the right policy or deductible can be a challenging task. Fortunately, you don’t have to navigate this decision alone. Ransom & Associates Insurance Agency specializes in helping vehicle owners in and around Winder, GA, select auto insurance and umbrella insurance coverage tailored to their needs and budget. Call us today to learn more or to request policy quotes.

Living in Your RV Requires Full-timers RV Insurance

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At Ransom & Associates Insurance Agency, we understand that many people set goals for their retirement. For some individuals, traveling the country and beyond borders becomes their top goal. They want to see what’s beyond the borders of Winder, GA, and they use their motorhome to do so. The type of RV insurance needed varies depending on whether the RV owner travels occasionally in the vehicle or lives in it full time.

Full Timers RV Coverage

Some motorhome owners travel in their vehicles all year after retiring. They might sell their home and choose to live in their RV, traversing state and country borderlines to explore the open road. This requires a higher level of coverage that adds to the liability and personal property coverage than an occasional-use policy.

Residing full-time in a motorhome increases the insurance coverage needed because of the added time spent in the vehicle. While an RV policy for an occasionally used vehicle typically includes liability, comprehensive, and collision coverages, a full-time policy includes the following coverage types:

  • Increased personal liability
  • Comprehensive and collision
  • Personal property protection
  • Loss of use
  • Medical payments.

Loss of use covers your hotel bill if damage to your RV makes it temporarily unlivable. It pays for lodging and per diem while your vehicle undergoes repairs.

Contact Us Today

Have you changed the way you use your RV? Phone or email Ransom & Associates Insurance Agency today to start your policy update. Let us help you fully insure your home on wheels so you protect your financial security during your travels outside Winder, GA.

Can You Cover Multiple RVs Under One Policy?

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If you’re an outdoor enthusiast, you might have multiple recreational vehicles (RVs) on your property. Large RVs, such as camper trailers, are significant investments that you may want comprehensive coverage for under a single policy. But what about smaller RVs like ATVs or dirt bikes? How can you get the right coverage for these smaller RVs without straining your budget? In other words, can you cover multiple RVs under one policy? Here’s what you need to know about RV coverage and how you can get started with Ransom & Associates Insurance Agency in Winder, GA.

Bundling Multiple RVs Under One Insurance Policy

If you’re not keen on taking out a separate policy for each of your RVs, especially for those that may not need extensive coverage like dirt bikes, you’ll be pleased to know that many insurance providers offer the ability to bundle multiple RVs under one policy. Bundling can help you save money, even if your premium does increase slightly due to the added coverage. This ensures all your RVs are covered without having to purchase a policy for each one. If you’re looking to save money on the RVs you aren’t able to bundle, you can always see if your insurance provider allows you to bundle RV insurance with another type of insurance, like auto insurance.

Find the Right Coverage for Your RV With Ransom & Associates Insurance Agency

Finding RV insurance coverage should be straightforward. With Ransom & Associates Insurance Agency in Winder, GA, it is. We make it easy to compare policies so you can find RV insurance that suits your needs. Get started today by comparing quotes with us, or contact us if you have any questions!

What You Need to Know When Buying Motorcycle Insurance

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Whether you ride every day or only occasionally, getting a motorcycle insurance policy is necessary when you live in Winder, GA. Protecting yourself and your bike from financial loss and injury is easier than you think. Although buying motorcycle insurance is easy, understanding it may not be. Ransom & Associates Insurance Agency can help you understand what motorcycle insurance policies are all about.

Your Ride’s Value Affects Premiums

All motorcycles aren’t created equal. Higher-end bikes with more bells and whistles require a higher level of insurance to protect your investment adequately. Along with your bike’s value, its power can also affect the premiums. So do several other factors. These include:

  • Where you live, as some areas have more recorded claims
  • Your previous driving record
  • The type of coverage you select
  • Other insured riders

Requirements and Options

Similar to auto insurance, you must meet minimum state requirements when buying a motorcycle insurance policy. But beyond that, you should also consider add-ins that adequately protect you and your bike. You can add options that make your coverage more valuable, such as:

  • Trip interruption
  • Roadside assistance
  • Custom accessories coverage

When seeking motorcycle insurance, you don’t automatically get these coverages. You’ll need to specify what is important to you. However, various motorcycle options are easily accessible. You’ll want to ensure enough coverage to protect your investment when considering your options. Look over your declarations page to ensure you have sufficient limits for collision, comprehensive medical payments, and personal injury protection (PIP). You can customize your motorcycle insurance policy in ways similar to what you would expect for auto insurance.

Contact Ransom & Associates Insurance Agency, serving Winder, GA, to find the perfect motorcycle insurance policy for your needs and budget. We will gladly recommend a policy for you.

Four Great Reasons to Insure Your PWC

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Spending time on the water creates lasting memories with family and friends. However, the cost of purchasing and maintaining your jet skis, kayaks, inflatables, and paddleboards can be significant. There are many compelling reasons to insure your personal watercraft (PWC). At Ransom & Associates Insurance Agency in Winder, GA, we’re here to help you protect your PWC from theft and damage.

Legal Requirements for Your PWC

While it’s not legally required to insure your jet skis and other water toys, it’s sensible to protect them from theft and damage. Did you know that PWC insurance may also cover the replacement of your craft, depending on the coverage you choose?

Why You Should Consider PWC Insurance

Add theft protection to your insurance plan to protect your valuable jet ski, Sea-Doo, dinghy, or canoe against theft. This will provide peace of mind if someone takes your PWC without permission.

Damage coverage handles repair costs resulting from a storm, collision, or other covered event beyond your control. You can’t plan for every peril, but you can rest easy knowing your insurance provider has you covered.

You probably invested a lot of time and energy in choosing your PWC, and we hope you get to enjoy it for many years. However, if your jet ski or rowboat capsizes and you cannot recover it, replacement cost coverage ensures you’re not left stranded for long.

Invest in liability and personal injury coverage to cover property damage and injury affecting you or your passengers. This can protect you against financial loss as you recover from unforeseen events.

Is PWC Insurance Right for You?

Contact the Ransom & Associates Insurance Agency team in Winder, GA to speak with a knowledgeable agent. We would love to set up an appointment to discuss more reasons for insuring your PWC.