Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Broughton Financial Services can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Insurance for All Kinds of Homes Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today! https://www.broughtonifs.com/contact.html GEORGIA – What you need to know about homeowners insurance Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Homeowners policies differ by which losses are covered, which coverage you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Broughton Financial Services is here to help you find the right insurance for your home Whether you’re a home or condo owner, a renter, or a landlord, Broughton Financial Services will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price. Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on: What you select. Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy. How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss. Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage. https://www.broughtonifs.com/umbrella-insurance-quote.html The Right Coverage. The Right Price. The Right Value The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect. Protection for Your Home Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm. Protection for You and Other People Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. Medical Coverage This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. Additional Living Expenses If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt. Protection for Your Belongings Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss. Scheduled Personal Property Coverage If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items. If You Rent Out Your Home Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information. https://www.broughtonifs.com/landlords-insurance.html Grayson/Lawrenceville – Protect the Things that Matter to You Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part. Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you. https://www.broughtonifs.com/contact.html
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Insuring Georgia vehicles - from two wheels to twelve!
As an independent insurance agency, Broughton Financial Services works with many insurance companies and can help you compare protection and prices to find the coverage and value that is right for you. We’re your local agents –real, live members of the Grayson and Lawrenceville community, so we know how to get you the right insurance for your vehicle. Whether your insurance needs are for hitting the winter trails, taking a summer drive, or just the everyday commute, our team can help you find the right insurance to keep you covered. Our commitment is to serving you Broughton Financial Services knows that in Georgia, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today. https://www.broughtonifs.com/contact.html Auto Insurance – Get the right insurance coverage for your car, truck, van or other vehicles. Motorcycle Insurance – Ride safe and insure your motorcycle. ATV and Motorsport Insurance – Insurance policies that cover all your toys. RV and Mobile Home Insurance – Home insurance for your home-on-the-road. Boat and Watercraft Insurance – Insurance coverage for the captain of the ship. Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.
With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like Broughton Financial Services you get choices. Why? Because independent insurance agencies, like Broughton Financial Services, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Metro Atlanta community community, and we’re committed to doing business face-to-face and being your advocate in times of need. Serving Metro Atlanta and the state of Georgia here are a few reasons why Broughton Financial should be your first and last pick when looking for insurance.
We treat you like a person, not a number. We are licensed professionals with strong customer and community ties. There is a difference. To find out how our independent insurance agency can help you find the right insurance coverage, please contact Broughton Financial today. Give us a call today at 678-344-3415 As I'm sure you know, everyone with a car is required to have insurance on it. However, attaining a deep understanding of auto insurance coverage is the last thing on our minds when we start driving. And as life continues, it may remain that way. Why bother educating yourself about it now? One primary reason is you make better decisions when you are well informed. This post will focus on explaining two coverage terms of your auto insurance policy, Bodily Injury Liability and Medical Payments.
Bodily Injury Liability Coverage is required to be on your auto insurance policy. In an accident that IS your fault, this coverage covers the cost of injuries to the other person! Medical Payments Coverage is not required to be on your auto insurance policy. It covers medical expenses due to injuries (yours or your passengers) from an accident, whether it is your fault or not. Medical Payments also covers you as a pedestrian if you are injured when a vehicle hits you. Take Away: The Liability portion of your auto insurance policy protects the other person, so you are not held liable to pay for their injuries. What about me? you may ask. Suppose you don't have health insurance or have high premiums on your health insurance. In that case, you may want to add Medical Payments coverage to your auto insurance policy! Price isn't the only thing to consider when shopping for quality insurance. Still, it is an essential factor to most people! So, we have listed some discounts you may not know about to lower your auto or home insurance premium. (Discounts vary by company) Let's get to it!
1. Bundle- Having more than one policy with the same company often leads to savings! 2. Good student discount- Have a school-aged driver on your auto policy? Submit their grades for a possible discount. 3. Defensive driver discount- Have you taken a defensive driving course in the last year? Submit the certificate to your agent for a possible discount. 4. Driving monitoring app- Many companies offer a discount for safe driving after monitoring your driving through an app. Make sure you clarify with your agent if that discount will be adjusted if your driving was less than stellar. 5. Security System- Submit your monthly statement from your security monitoring company like ADT for a possible discount on your home insurance. 6. Roof- Have you replaced your roof recently? Make sure you update your home policy—newer roof=lower rate. Final Thoughts: Insurance rates fluctuate. Get a quote once a year with an agent who has access to many companies to ensure you have the best coverage at the lowest rate possible! 'Til next time! |
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