Does Commercial Insurance Cover Office Equipment?

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Having the right level of commercial insurance is essential for protecting against risk and loss. If you would like to learn more about Commercial Insurance and require assistance deciding which policy options best fit your needs, you can count on the professionals at Ransom & Associates Insurance Agency. We proudly offer services to the residents in and around Winder, GA.

Commercial Insurance Protection 

If you own a business, it’s essential to have Commercial Insurance to protect your investments. Commercial insurance not only protects the building in your business resides, but it also protects any content, such as office equipment. It’s also ideal for protecting against any liability due to customer injury or accident.

If you want to learn more about commercial protection and which policies best suit your needs, our insurance agents can help. We take the time to assess each customer’s needs and match them with policies that meet or exceed those needs. In addition, we not only assist with the policy purchase process, we also assist with any changes to the policy during its lifetime and claim submissions. Our goal is to provide exceptional customer service, so you can get the reliable commercial insurance you need to have peace of mind.

Reach Out Today 

If you’re currently in the market for commercial insurance, we can help. Please don’t hesitate to call or stop by the office of Ransom & Associates Insurance Agency in Winder, GA. We aim to assist each customer with selecting the right policy that offers protection and peace of mind. Don’t guess when it comes to your commercial insurance policy. Trust our professionals to help you get the support you need to make the right decision.

Preparing your home and family for an emergency

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Emergencies happen, no matter how much you try to avoid them. They can be weather emergencies, fires, floods, and so many different things. It is hard to be prepared for all of them. At Ransom & Associates Insurance Agency in Winder, GA we prepare you for an emergency by making sure you have home insurance that can provide the financial preparation you need. 

Have a plan

When an emergency happens, there is usually chaos. Having a family meeting and formulating a plan ahead of time can lessen the amount of tension and confusion when an emergency happens. An evacuation route is necessary, and it is wise to have more than one option planned in the event that one is not available. The family should also have a meeting spot in the home to gather. 

Stock your home

Having a supply of water in your home, enough for a week. In the event of an emergency, there may not be any potable water, and it is best to be prepared with several cases of water. If you have a septic system that requires electricity, it may be wise to fill the bathtub with water. 

Have a generator

If you live in an area that is prone to emergencies and loss of electricity, a generator is a necessity. It can mean the difference between sitting in a dark house with no electricity and losing all the food in your fridge and freezer and having the power to keep it running. 

Know where the safest spot in your house is

In the event the emergency is a tornado, have a designated spot where you will be as safe as possible. 

We Can Help!

Contact Ransom & Associates Insurance Agency in Winder, GA when you need to learn more about home insurance. Stop into our office or call us today.

Auto Insurance Coverage Options

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The agents at the Ransom & Associates Insurance Agency serving the Winder, GA area are expressing the importance of having an auto insurance policy in place.

According to the laws of the state of Georgia, all drivers are required to have auto or motorcycle insurance to be able to legally drive. Each driver must have a minimum amount of auto liability insurance that will help pay for property damage or injuries he or she causes in an accident.

Auto Insurance Coverage Options

Uninsured and Underinsured Motorist Coverage

You never know when you may have an accident due to a driver that does not have insurance or does not have an adequate amount of auto insurance period if this happens, uninsured and underinsured motorist coverage can help you repair your car and even pay medical bills that you incur due to injuries that you suffer from the crash.

Comprehensive Auto Insurance

If there is a tornado in your area or some other type of natural disaster, this type of insurance will help you pay for the repairs or replacement of your car, truck, or SUV. This also applies if your vehicle is stolen, suffers damage from a fire, or is vandalized.

Collision Insurance

If you are heading down the street and happen to collide with another vehicle or some sort of stationary object, collision insurance will help you repair your vehicle.

Both comprehensive and collision insurance will be necessary for you to have in place if you still owe a lender for your vehicle.

Contact Us Today

To ensure that you have an adequate amount of auto insurance to protect you and your vehicle properly, contact the trusted and experienced auto insurance agents at the Ransom & Associates Insurance Agency serving the Winder, GA area today!

Is Motorhome Insurance Legally Required?

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When you’re on the road, it’s essential to understand and follow the state’s laws. When you have a motorhome, you may also be required to carry specific insurance to comply. If you want to learn more about motorhome insurance, the experts at Ransom & Associates Insurance Agency provide coverage that meets your needs. We proudly serve the residents in and around the Winder, GA area with coverage that offers peace of mind. 

Motorhome Insurance 

If you own a motorhome, you must know which states require that specific coverage before you hit the road. It’s important to stay in compliance, which is why our team of agents is ready to help. We work closely with each customer to ensure they understand the terms and conditions of each policy. We strive to provide each individual with reliable coverage that protects them while on the open road. 

When you work with our team, we help you understand your current needs and match you with policy options that meet or exceed those needs. We also allow you to gather and submit documentation to secure the policy. If you have any changes along the way, we can provide support. 

We aim to give each customer the resources they need to feel confident about their insurance policy choices.

Reach Out Today

If you would like to learn more about motorhome insurance coverage, please reach out to Ransom & Associates Insurance Agency today. Call or stop by the office if you live in or around Winder, GA, and one of our team will be happy to assist you or schedule a consultation. Get reliable insurance for your motorhome so you can be protected and complainant while on the open road. 

What’s the Difference Between RV and Car Insurance?

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Could you put your RV on your auto insurance? Technically, yes. However, even though your auto liability may cover RVs, it may not give you enough coverage for everything that can happen on and off the road. Talk to the agents at Ransom & Associates Insurance Agency in Winder, GA to determine the best coverage for your rolling vacation home.

Here are some of the major differences between auto and RV insurance to help you determine the best coverage for your vehicles:

Vacation Liability Coverage

Car insurance covers accidents and related injuries. However, vacation liability, included with most RV insurance policies, covers events that can happen to your parked recreational vehicle. That can come in handy if someone vandalizes or burglarizes your RV vacation home.

Higher Limits

Large RVs are typically much more expensive than cars and other vehicles. Additionally, they cost more to own and operate. Therefore, you may need more insurance to cover your investment.

Due to their sheer size, recreational vehicles can do a lot of damage to smaller cars and trucks. In the case of an accident, this may increase your liability. Therefore, specialized insurance that compensates for this added risk can give you more financial protection and confidence when driving on busy highways. Your agent can help you decide what additional coverage would benefit you the most.

What Does Insurance on an RV Cover?

You never know what you’re going to face on the open road. That’s why it’s important to tailor your recreational vehicle insurance to your specific needs. Most policies include falling objects, vandalism, storms, fire, floods, and natural disasters. To create the right policy for you, it’s important to understand the liability you’ll face during each stage of your journey. You can do this more easily with RV coverage than with auto coverage alone.

Give Us A Call

Contact Ransom & Associates Insurance Agency in Winder, GA to set up an appointment for a free quote.

Safe riding tips for new motorcycle riders

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With more people interested in buying and riding their own motorcycles here in the Winder, GA area, it’s important for new riders to understand the basics of safe riding. Here are some helpful tips from us at Ransom & Associates Insurance Agency for new motorcycle riders to keep in mind when on the road:

Safe riding tips for new motorcycle riders

1. Always wear a helmet

This is probably one of the most important pieces of safety gear for any rider. A helmet can protect you from serious injury or even death in the event of an accident. Make sure that your helmet fits correctly and is up-to-date with the latest safety standards before getting on the road. 

2. Make yourself visible

Motorcycles are smaller than cars, so make sure that other drivers can see you on the road. Wear bright clothing and use your headlights during day and night rides to increase your visibility and reduce your risk of being involved in an accident.

3. Be aware of other drivers

As a motorcycle rider, you should always be aware of what other drivers around you are doing, especially at intersections and when changing lanes. Look out for signs that they may not be paying attention or taking motorcyclists seriously and take precautions to stay out of harm’s way if needed. 

4. Stay alert

Fatigue is one of the leading causes of motorcycle accidents, so make sure that you get enough rest before heading out on a ride. Also keep an eye out for unexpected obstacles like potholes, animals crossing, or wet roads that could lead to a crash if not careful! 

Make Sure to Insure Your Vehicle

By following these simple tips, new motorcycle riders can stay safe while enjoying their passion for biking! For more tips, call us at Ransom & Associates Insurance Agency today. We serve the Winder, GA area and can provide you with the right coverage for your needs. 

Is Boat Insurance Required by Georgia Law?

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At Ransom & Associates Insurance Agency in Winder, GA, we frequently have boat and watercraft owners asking us whether they are required to have boat insurance in the lovely Peach State. While every state is different, Georgia state law does require certain kinds of insurance and lets policyholders make that decision for themselves. We’ll cover whether boat insurance is necessary in Georgia and why you should consider looking into it as a boat owner, no matter what the law says.

What is boat insurance?

Boat insurance, also called watercraft insurance, is a kind of insurance policy that covers boats and other watercraft. These can include large motorboats, kayaks, canoes, and even jet skis under some policies. The point of boat insurance is to cover the insurance policyholder in situations such as liability, theft, and damage through natural disasters in some cases.

Does Georgia require boat insurance by law?

According to Georgia law, boat owners are not legally required to have boat insurance. That being said, boat insurance is still a worthwhile investment for any responsible boat owner. Although we never think our boat will be stolen, destroyed, or the cause of an accident, we can never know these things until they happen.

Even if the law doesn’t require boat insurance, most insurance professionals would recommend that those who own boats or watercraft get boat insurance as a safety net for these unpredictable scenarios. If you never get into an accident or have your boat stolen, it’s worth the sense of security. In the worst-case scenario, you’ll be grateful that you have the coverage you need when you need it.

Contact Us Today

For a quote on our boat insurance policies at Ransom & Associates Insurance Agency in Winder, GA, call our office today!

So You Bought A Classic Car…Now What?

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Your dream classic car is finally sitting in your driveway. While taking care of your classic physically might be the most obvious way to value your new asset, behind-the-scenes classic car insurance is the #1 most important way to protect and value your new car. Your regular auto coverage is not enough for a classic or collector’s car; you need and deserve the unique benefits of classic car insurance. 

We at Ransom & Associates Insurance Agency in Winder, GA can help you fill in this critical piece to classic car ownership.

Major Classic Car Insurance Benefits:

Agreed Value

Because your classic will continue to appreciate rather than depreciate like a typical vehicle, the most critical benefit of classic coverage versus regular auto insurance is a payout of the agreed value of your classic in the case of a total loss. 

Spare Parts Coverage

Maintenance and part replacement are a given for many classic cars, and coverage for these specialty parts and tools should be one of your top questions for our classic car insurance specialists.

Other Coverages

Of course, in addition to these unique benefits, classic auto coverage usually also includes coverage typical of regular auto insurance policies, including comprehensive and collision coverage, roadside assistance, liability insurance, under- and uninsured motorist coverage, and medical payment allowances.

Give Us A Call

So, you bought a classic car. You brought it home to Winder, GA, and you ask yourself, "Now what?"

Now you call Ransom & Associates Insurance Agency for details regarding classic car insurance coverage specifics! Visit one of our classic car specialists today to find out how you can benefit from the unique benefits offered by classic car insurance. You and your asset deserve the best protection available, and we can help you make sure you get just that today!

How to prepare your business for a storm

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Ransom & Associates Insurance Agency has been serving Winder, GA business owners with all their commercial insurance needs. We understand the risks associated with running a business. A storm can be a serious threat to your business, especially if you’re located in an area that tends to experience frequent storms. To help keep your business safe from the effects of a storm, it’s important to take the necessary steps to prepare for severe weather well before it arrives. 

How to prepare your business for a storm

One of the most important things you can do is ensure that your building and property are in good condition. This includes checking your roof for any leaks or damage, reinforcing any damaged walls or areas that could become an entry point for water during a storm, and ensuring that all windows and doors are properly sealed so they won’t be knocked open by strong winds or rain.

In addition to inspecting your building and property, it’s also important to prepare your business for power outages. This can be done by installing a backup generator or uninterruptible power supply, which will allow you to continue operating during the event of a power outage. You should also have an emergency plan in place that all employees are aware of so they know what to do in the event of a storm.

Get The Right Coverage For Your Needs

A severe storm can be extremely damaging and costly for businesses, so it’s crucial to take steps now to protect your business from future storms. By preparing well ahead of time, you can help keep your business safe and minimize damage when bad weather strikes. Part of the preparation is also ensuring you have adequate insurance coverage for your business. At Ransom & Associates Insurance Agency, we proudly serve the Winder, GA area. Give us a call today.

Three details you need to know about your home insurance policy

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Being well-informed about the details of your home insurance policy is important. If you’re looking for an insurance provider that offers home insurance coverage in the Winder, GA area, Ransom & Association Insurance Agency is a great option.

The following are three important details you need to know about your home insurance policy:

The deductible amount on your policy

You should know what your deductible is so that you’ll know how much you have to pay before you get expenses covered when you file a claim.

Policyholders should know that larger deductibles usually mean lower monthly premiums and vice versa. When you renew your policy, you may have the option to change your deductible according to your preferences. 

The process for submitting a claim

Knowing what you need to do to submit a claim can help you out down the road if your home becomes damaged. With most insurance companies, you should be able to submit a claim by either calling your insurance company or submitting information via email or your insurance provider’s website. 

The types of coverage you have on your policy

There are a few different types of home insurance available. These include liability, dwelling, and personal property coverage. Optional coverage types typically include water backup, flood, and earthquake insurance coverage. Outbuilding structure coverage is another type of optional coverage. 

Contact Us Today

We take pride in offering excellent customer service at Ransom & Associates Insurance Agency. This means that we’ll make sure that you understand all the most important details about your home insurance policy for your home in Winder, GA. Get in touch with us if you’re ready to get a quote on a home insurance policy.