When should you review your auto policy?

Having auto insurance is a requirement in Georgia. The fact of the matter is, you do need to review your auto policy from time to time to make sure it is still the right coverage, and you are not paying for coverage you don’t need. At Ransom & Associates Insurance Agency in Winder, GA, we give our customers the information that they need to make good choices when it comes to coverage. 

When should you review your auto policy?

When you buy a new car, that is the perfect opportunity to make sure that the coverage you have is adequate. Check the amount of liability coverage that you have. Does it reflect the number of assets that you own? Check the amount of deductible that you have and determine if it is right or needs to go up or down. Also, consider adding gap insurance so that the full value of your auto loan will be paid off if your vehicle is in an accident. Be sure you have full glass coverage. 

When your auto policy comes up for renewal, the carrier will send you a new copy of your policy. Check the front page which is the declaration and lists all your coverage. You can see everything at once. Check to make sure all the names and vehicles are correct. Check the deductible and liability coverage. Look at any add-ons that you have and also check that you are getting all the discounts that you are entitled to. 

When a new driver is added to your policy, it is a great time to make sure that all the coverage that you have is correct and that each driver is assigned to the correct vehicle that they drive the majority of the time.  

Give Us A Call

Contact Ransom & Associates Insurance Agency in Winder, GA to discuss your current auto insurance and what we can do for you. 

Protect Your Home Away from Home with Motorhome Insurance

Many vacationers throughout the country purchase motorhomes. The convenience of having your sleeping quarters, kitchen, and freedom to travel at your own pace is too attractive for some to ignore. You are able to go anywhere, any time. You can stop whenever you choose and stay in each place as long as you like.

However, you don’t want to let your second home go unprotected. The professionals at Ransom & Associates Insurance Agency in Winder, GA can help you protect this investment.

Motorhome Insurance: What You Need To Know

Motorhomes are in the category of Class A recreational vehicles. RV is a term that covers many different types of vehicles, including motorhomes. These vehicles are large and could cause significant injuries and damage to other vehicles, property, and drivers if an accident occurs. That is why insurance protection is so necessary.

Coverage for motorhomes includes property damage, collision, bodily injury liability, comprehensive, and uninsured motorists. This coverage will help pay for repairs to your motorhome and its contents in certain situations.

There are also specialized insurance coverages that are available, such as vacation liability, custom equipment, and total loss replacement. Based on how much your motorhome is used, the annual insurance premium can range anywhere from $200 to $3000.

Because a motorhome is like a small house, you need different coverage than is needed for your car. They are not used in the same fashion as a car; therefore, you must have specialized insurance for your motorhome. For example, vacation liability provides personal liability coverage when the motorhome is parked off public roads and when it is used for recreational purposes only. It does not overlap with any automobile liability coverage.

Get Motorhome Insurance Today

Remember to purchase motorhome insurance to make sure your second home is protected. Contact the professionals at Ransom & Associates Insurance Agency in Winder, GA today for the peace of mind you need.

Benefits of Full Coverage RV Insurance

If you’re a Winder, GA resident and own an RV, you know how important it is to have full coverage insurance. RVs are a significant investment, and if something were to happen to you, you want to ensure that you’re covered.

Here are some benefits of having full coverage RV insurance:

Protect Your Investment

RVs are a significant investment, and you want to ensure that your investment is protected. Full coverage insurance can help cover repairs or replacement costs if something happens to your RV. Collision or liability insurance only covers certain types of damage, so it’s essential to have full coverage to protect your investment.

Also, if you have an RV loan, your lender will probably require you to have full coverage insurance. The bank or financial institution wants to ensure that they protect their Winder GA investment in case of an accident or other covered peril, such as theft or storm damage.

Your Ransom & Associates Insurance Agency representative can help you choose the right RV insurance policy to protect your investment.

Liability Protection

If you’re in an accident and it’s determined to be your fault, full coverage insurance can help cover damages to the other party. This includes property damage and medical expenses.

No one wants to think about what could go wrong on their RV trip. However, it’s essential to be prepared for the worst. That’s why having full coverage RV insurance is so important. It can help protect your investment and give you peace of mind.

If you have questions about RV insurance, or if you’d like to get a quote, contact Ransom & Associates Insurance Agency in Winder, GA today.

What Factors Affect The Cost Of Motorcycle Insurance?

Motorcycle insurance costs depend on factors such as your riding experience, the type of motorcycle you ride, your age, your credit history, and your expected claim frequency.

Factors Affecting Motorcycle Insurance

If you want to get the best rate: 

  • Shop around and compare quotes from different insurers.
  • Ask about any discounts you may be eligible for, such as a policy for young drivers or multi-line policies.
  • Find out what information the company will look at when deciding whether to approve your policy. 

Consult with Ransom & Associates Insurance Agency for inquiries in Winder, GA. 

More on Motorcycle Insurance 

Premiums will be higher if you have a history of speeding, accidents, or moving violations. If you’re under 25, you will likely be required to take a rider education course to get coverage. Most policies require that riders be at least 21 years old, but some go up to 25. You’ll pay less for insurance if you’re young, but you’ll also likely have a higher deductible. 

Other factors affecting the price of motorcycle insurance include.

  • Your location
  • Your job
  • Your claims history
  • The value of your bike
  • The type of bike
  • Where and how you store your bike
  • Your level of cover

The cost of your motorcycle insurance policy will depend on several factors, including your age, the type of motorcycle you ride, the length of time you’ve been licensed, and any Motorcycle Safety Foundation courses you’ve taken. Most companies will offer a variety of discounts when you purchase motorcycle insurance, including a AAA discount, a multi-line discount, a young driver’s discount, or a student discount. 

Give Us A Call

If you’re a young driver, your motorcycle insurance will likely cost more than it would for an older driver, as young people are statistically more likely to be involved in accidents. Similarly, sports bikes tend to be riskier to drive than touring bikes, and your type of bike will also affect your premium. 

Insurance companies also consider factors such as your credit score, where you live, and the value of your bike. Most insurers will offer you a rate quote based on standard criteria. However, you can usually lower your premium by choosing a motorcycle with higher safety features, upgrading your bike, or maintaining a clean driving record. For expert insurance advice in Winder, GA, contact Ransom & Associates Insurance Agency.

How Boat Insurance Compares to Car Insurance

It should come as no surprise that boat insurance is similar to car insurance in quite a few ways. After all, just like you do with cars, you drive, park, and store boats, and boats can also get damaged by the elements or even stolen. 

However, because boats and cars also have fundamental differences, there also happen to be differences between boat insurance and car insurance. Ransom & Associates Insurance Agency in Winder, GA provides this guide in navigating the two types of coverage. 

How Boat Insurance Compares to Car Insurance


  1. Policies vary from company to company. That means there can be differences in pricing as well as policy options. However, the main types of boat coverage you can expect to find include physical damage coverage and property damage liability. 
  2. You can opt for optional coverage. While optional coverage options for cars include collision, comprehensive, and glass coverage, options for boats include uninsured/underinsured boater and medical payments coverage. 


  1. Boat insurance isn’t mandatory. But even though you aren’t required to insure your boat, you’re strongly encouraged to do so. What makes having coverage even more important is the possibility that someone else’s uninsured boat will damage your boat. And not having boat insurance doesn’t mean you don’t have any legal responsibility. So liability coverage is always a wise choice for boat owners. 
  2. You can purchase boat insurance at an agreed value. Unlike auto insurance companies, boat insurers provide “agreed value” coverage options that allow you to insure your boat at a predetermined amount. With boat coverage, if you experience a loss, you’ll be paid that exact amount no matter how much the boat has been damaged. 

Contact Us Today

If you’re in the Winder, GA area and are looking for competitive boat/watercraft insurance rates, look no further than Ransom & Associates Insurance Agency. To get started, contact one of our trusted associates and we’ll get in touch with you about all the options we have available.

The ABCs of Umbrella Insurance: A Comprehensive Guide

Most people have some form of insurance- whether it’s auto, homeowners, or even health insurance. But there’s one type of insurance that often gets overlooked: umbrella insurance. Umbrella insurance is designed to provide an extra layer of protection in the event that you are sued or held liable for damages. It can help to cover costs such as legal fees, medical bills, and even lost wages. And while umbrella insurance is not required by law, it is a wise investment for anyone with significant assets or income.

So, what exactly is umbrella insurance? How does it work? And how much coverage do you need? Ransom & Associates Insurance Agency in Winder, GA offers the following comprehensive guide.

The ABCs of Umbrella Insurance

How Does Umbrella Insurance Work?

Umbrella insurance kicks in when the limits of your other liability policies have been reached. For example, let’s say you have a $500,000 auto insurance policy and you’re involved in an accident that causes $600,000 in damages. Your auto insurance will pay out the first $500,000, and your umbrella policy will cover the remaining $100,000.

How Much Umbrella Insurance Do You Need?

Umbrella insurance is important for anyone with assets to protect. But how much umbrella insurance do you need? The answer depends on several factors, including the value of your assets, the likelihood of being sued, and your tolerance for risk.

Here are a few things to consider when determining how much umbrella insurance to purchase:

  • The value of your assets: Obviously, the more assets you have, the more umbrella insurance you will need. But even if your assets are modest, you could still be sued for a large amount of money. So, it’s important to consider not just the value of your assets but also the likelihood of being sued.
  • The likelihood of being sued: If you are more likely to be sued, you will need more umbrella insurance. Factors that can increase your likelihood of being sued include being a high-profile individual, having a lot of wealth, or being in a high-risk profession.
  • Your tolerance for risk: Finally, you need to consider your own tolerance for risk. If you are the type of person who is comfortable with a little bit of risk, you may not need as much umbrella insurance. But if you are risk-averse, you will want to purchase more coverage.

No one can tell you exactly how much umbrella insurance you need. But by considering these factors, you can make an informed decision about how much coverage to purchase.

Get Umbrella Insurance in Winder, GA

As you can see, umbrella insurance is a wise investment for anyone with significant assets or income. So if you’re looking for an extra layer of protection, Ransom & Associates Insurance Agency can help. We offer umbrella insurance policies. Contact us today to get started.


How Whole Life Insurance Works

When you have a family, life insurance is an important way to be responsible. Not having life insurance can make others suffer financially as well as to be unprepared for your final expenses. If you are interested in a whole life insurance policy, call us at Ransom & Associates Insurance Agency in Winder, GA to find out more. 

How Whole Life Insurance Works

Lifelong Protection

The reason that whole life is named as such is that it is coverage for your whole life. That is, it continues all the way to the end of your life no matter how old you get. Many people choose this type of life insurance because it doesn’t expire at a certain time like term life insurance does. There is no term period to worry about. You can simply keep the coverage for the rest of your life. This can give you a strong sense of peace of mind in knowing that your expenses will be covered and your loved ones will be taken care of when you’re gone. 

Cash Value

Another important aspect of whole life insurance is that it will build up a cash value over time. After a few years of paying premiums for the coverage, a part of the profits made by investing those premiums becomes available to you as cash value. This amount of money can be borrowed against when you are in a financial bind. This gives you even more peace of mind when you know that you have a way out of a serious financial situation if you should need it. 

Get Your Whole Life Insurance Policy

If you are interested in whole life protection, give us a call today at Ransom & Associates Insurance Agency in Winder, GA to find out more and to get started with a life insurance policy of your own. 


Common Auto Insurance Policy Add-Ons

Ransom & Associates Insurance Agency provides coverage to the Winder, GA community and surrounding areas. We proudly serve as an independent insurance agency. We work with multiple carriers across the South. This allows us to offer flexible coverage options to our clients and help them obtain coverage that directly aligns with their situation. We look forward to assisting you.

Common Auto Insurance Policy Add-Ons

Operating a vehicle can be complicated at times. You have to deal with significant risks because of the unpredictable road conditions and the behavior of other drivers. Auto insurance offers a layer of protection as you deal with these unique road conditions on a daily basis. Collision coverage protects you if your vehicle is damaged in a collision with another driver. Liability coverage protects you if you are held responsible for injuring someone with your vehicle or causing property damage. Liability coverage also covers any injuries that a passenger sustains while they are riding along with you. Comprehensive coverage protects your vehicle if it’s damaged due to a collision with an animal or object. You are also covered if your vehicle is stolen or vandalized. Southern weather can extremely volatile. Comprehensive coverage protects your vehicle if it’s damaged due to inclement weather. Here are some common add-ons that you can add to your policy.

Emergency Assistance

Perhaps you are taking a road trip out of Winder, GA and you suffer a flat tire or your engine starts having trouble. Emergency assistance coverage protects you by ensuring that you will receive immediate attention for your issue.

Modified Auto Coverage

Suppose you plan to install custom accessories on your vehicle. In that case, you can add modified auto coverage to ensure that you are covered in the event that something happens to your vehicle after the upgrades have been installed.

Ransom & Associates Insurance Agency Will Help You Cover Your Assets

Contact us today to learn more information about auto insurance.

4 Benefits of commercial insurance in Winder, GA

Owning and operating a small business demands a lot. You’ve poured countless time, energy, and effort into building your company. Commercial insurance protects this investment.

Fortunately, Ransom & Associates Insurance Agency can help. Located in Winder, GA, their agents understand the benefits of commercial insurance far exceed the risks of going without it.

Below, Ransom & Associates Insurance Agency shares the top four reasons to get commercial insurance.

Free up capital and assets

Operating a business can be expensive. Ordering materials, buying equipment, hiring workers, and investing in development are not cheap. Growth-minded owners know that commercial insurance maximizes their capital. Rather than holding cash uninvested to address potential losses, commercial insurance covers you instead.

Close larger clients

Proof of insurance is a common requirement. Commercial insurance offers credibility and reassurance to your customers. With a policy, you are committing to your company’s workmanship and taking ownership of any liability. Depending on scope and size, some larger contracts require insurance before signing.

Add a partner

You don’t have to do this alone. Adding commercial insurance is adding an advocate. Your problems are shared by your insurance agent. They inherit your risks. But, most importantly, agencies are willing partners who also want you to succeed.

Increases security

Business brings a lot of uncertainty. It’s impossible to predict accidents, property damage, lawsuits, or other incurred losses. While any one of these incidents could result in huge out-of-pocket costs, commercial insurance can help foot the bill. By minimizing the threat of financial loss, you are reducing risk and volatility. This extends to your employees too.

Contact an agent serving Winder, GA

Through a commercial insurance policy, Ransom & Associates Insurance Agency can grant you peace of mind knowing you’re protected. This allows you to focus on running your business. Schedule an appointment today.

4 Benefits Of Home Insurance

Ransom & Associates Insurance Agency serves the Winder, GA community. We specialize in helping our clients find the coverage they need to protect their assets. We offer our clients flexible policies that align with their needs. We will sit down with you and assess your situation. We are committed to helping you find the coverage you’re looking for.

4 Benefits Of Home Insurance

Your home is one of your most prized possessions. Home insurance helps you cover this valuable asset. The policy covers the interior and exterior of your Winder, GA property. All of your personal items inside the home are covered if they are stolen or vandalized. You are also covered if a guest visits your property and suffers an injury. Liability coverage also protects you if you accidentally damage your neighbor’s property. Here’s a look at some other key benefits of home insurance.

Natural Disaster Protection

As a Southern resident, you are aware that severe weather could move through the area at any moment. Home insurance covers your property if it is damaged due to a tornado or hurricane.

Detached Protection

Home insurance covers any detached structures on your policy such as a garage or deck. If you have custom accessories, you can amend your policy for more protection.

Alternative Living Coverage

You are protected if your home suffers major damage, and you have to stay somewhere else until it is repaired.

Allows You To Relax

You’ve likely invested a lot of time and energy into your home. You may be devastated if something happens to it. Home insurance gives you peace of mind that you are covered no matter what.

Ransom & Associates Insurance Agency Will Help You Cover Your Assets

Visit our website to learn more information about Home insurance.