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Info Center
This info center is provided as a source for important information relating to your home or business insurance. The following are some articles on specific insurance matters, which might interest you. Please feel free to browse through these and follow the links for more information. The information is sectioned into Personal Coverage, Life & Health and Commercial Coverage. Automobile Insurance As everyone knows, auto insurance is mandatory for all drivers. However, do you have the right amount and correct coverage for your needs? What influences can affect your rate? What can you do to lower your rate? Do you know what to do if you are involved in an accident? For answers to these questions and many others, see the following links to articles about auto insurance. Auto Insurance 101 - Provided by Trusted Choice and IIABA.org MSN's Auto Reliability Ratings What to do if you are in an auto accident After and Accident - Provided by Trusted Choice and IIABA.org Filing your Auto Claim - From Trusted Choice and IIABA.org Consolidated Insurance Coverage Purchasing insurance for your home and auto from the same company can have great advantages. Multi-policy discounts and the convenience of having your policies all with one company can save you money and time. However, there any many factors to consider. It is important to compare total insurance costs and total coverage of all policies before making a decision. Keeping in mind that you may pay more for one type of coverage while paying less for another, having a net result of savings for you. To read more about consolidated Insurance Coverage, see the following links for important articles. Homeowner’s Insurance Any homeowner knows that a homeowner’s policy is a necessary piece of insurance. It covers damage to your home, its contents and your personal liability. It can be purchased to cover either actual cash value or replacement cost. It does not usually cover damage to cars, car contents, or loses from natural disasters such as flooding, earthquakes or acts of war or terrorism. However, coverage for these can usually be purchased on an additional policy. Do you know exactly what you are covered for and if the coverage is adequate? See the following articles for more information on homeowners insurance and what you might not know. House and Apartment Insurance - Provided by Trusted Choice and IIABA.org ID Theft - Valuable Information to help prevent it and what to do if it happens. Renter's Insurance - Brought to you by Trusted Choice and IIABA.org Insuring your Sports and Recreational Vehicles - Brought to you by Trusted Choice and IIABA.org Taking a Home Inventory - From Trusted Choice and IIABA.org Filing your Home Insurance Claim - From Trusted Choice and IIABA.org Umbrella Policy Who needs one? An umbrella policy is for protection from anything that could happen to you or any member of your household. It will provide protection against personal injury and property damage, on or off your property, as well as protection against personal injury claims such as libel, slander, wrongful eviction and false arrest - all of which are not generally covered by your basic homeowners or auto policy. Anyone who has accumulated a lot of assets or plans to, needs and umbrella policy. Wages can be garnished for up to 50 years to settle a judgment against someone. Dog owners, parents of teenage drives, business owners or operators, throwers of parties where alcohol is served or if you drive excessive miles either for pleasure or work all need to have the protection of an umbrella policy. To read more about umbrella policies, see the following links for important articles. Life and Health Life Insurance Do you know the difference between term life and whole life? Could universal life be what you need? Exactly how much life insurance do you need to ensure that your family is cared for? Life insurance is necessary for about everyone but it is a very confusing topic. For more information on Life insurance, look at the following articles. Life/Health Insurance 101 - Provided by Trusted Choice and IIABA.org Disability Insurance What will happen to you or your family if you become permanently disabled and are not able to work and provide for your loved ones. Is your job one in which there is a high likelihood of you becoming injured? Disability insurance is a way of protecting yourself from such a catastrophe. The following articles will help you understand disability insurance and evaluate your needs. Health Insurance How comprehensive is your health coverage? Do you have the best policy at the best price for your employees? Do you know the rules governing COBRA coverage and your rights? Do you understand your coverage and what charges will be your responsibility? The following links will lead you to the answers to these questions and may others. Life/Health Insurance 101 - Provided by Trusted Choice and IIABA.org Business Insurance As well as protecting your home, auto and health, you must also protect yourself in your business. There are many ways that you can be left vulnerable in your business. Click on the following links to read more about the different ways you can protect your business and your future. Business Insurance 101 - Brought you by Trusted Choice and IIABA.org Protecting your in home business - Brought to you by Trusted Choice and IIABA.org Protecting your Small Business - Brought to you by Trusted Choice and IIABA.org Worker’s Compensation Worker’s compensation is coverage provided by an employer to cover employees if there were to get injured on the job. It also provides benefits for families in the event an accident leaves a worker disabled or dead. Here are some additional valuable resources for you. There is a link to site published buy an Insurance Industry source and below the link there is some information about the company and their site. The Life and Health Insurance Foundation for Education (LIFE) is a non-profit organization dedicated to addressing the public's growing need for information and education about life, health, disability and long-term care insurance. LIFE also seeks to remind people of the important role agents perform in helping families, businesses, and individuals find the insurance products that best fit their needs. The Business Guide for Insurance - a must read. There is also a glossary of insurance terms in this document.(Made available by the Georgia Insurance and Safety Fire Commissioner.) The Insurance Commissioner has a wealth of information for consumers on all types of insurance. Click Here to access the consumer information on the commissioner's web site. By providing links to other sites, TCIS does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to TCIS.
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