If you've ever wondered, "Am I actually covered for this?"—you're not alone. In fact, in one of our earlier posts, Am I Covered? … For the Full Value of My Home?, we talked about how homeowners insurance isn't one-size-fits-all. Policy types can vary, certain items have limits, and even deductibles don't always work the way people expect.
Insurance isn't necessarily something most of us think about every day—until something goes wrong. That's when the questions start.
Insurance isn't necessarily something most of us have to think about every day, and having gaps in coverage usually isn't a worry unless something goes wrong and we find them. That's when all the questions start popping up.
Severe weather is a reality for homeowners and can leave behind visible damage or subtle issues that get worse over time. When storms pass, roofing companies will often canvass neighborhoods offering inspections and promising insurance-covered replacements. While some damage may be covered, not every situation requires an insurance claim, and not every contractor has your best interests in mind.
Insurance audits are a standard component of many commercial insurance policies. While they can sometimes result in premium adjustments, audits are designed to reconcile estimated policy information with actual business operations during the policy term. Understanding how insurance audits work can help business owners prepare appropriately and navi...
Certificates of Insurance—often referred to as COIs—are a routine part of doing business, yet they're frequently misunderstood. Whether you're a contractor starting a new job, a business owner signing a lease, or an organization hosting an event, chances are you've been asked to provide one.
For many small businesses, vehicles are a key part of everyday operations. From making deliveries and traveling to job sites to transporting tools and equipment, business-owned and business-used vehicles help keep things running smoothly. When those vehicles are on the road, having the right insurance coverage in place is essential.
Tort reform impacts everyone in Georgia, even if you've never filed a lawsuit or made an insurance claim. It influences insurance costs, liability risks, and how claims are handled across the state.
In 2025, Georgia passed significant tort reform legislation aimed at addressing rising litigation costs and large jury verdicts. Understanding these changes can help you make more informed decisions about your insurance coverage and what to expect going forward.
Tucked right in the heart of downtown Woodstock, Mountain Lakes Insurance isn't just another agency — we are your neighbors. Since opening our doors in 2009, we've proudly served Woodstock and beyond with one mission in mind: to provide exceptional value to our community with compassion and integrity.
Mountain Lakes Insurance provides insurance for business as well as for personal needs. Buying insurance for your business to cover business property, liability, autos, workers compensation, and other business needs is much more complicated than buying insurance for your personal home and auto. Let's start with "What is a Business Owner's Policy (B...
"The association master policy covers my condominium, right?" Well, it protects the association, but not you. Coverage for personal liability and personal property comes from a personal condo policy and not from the association. Association master policies do not cover you personally. The association's master policy should cover the condo uni...
Whether you own a classic or antique, Hagerty Insurance can insure your cars, trucks, boats, and motorcycles. They can even insure classic military vehicles, antique tractors, modified vehicles, collector trailers, motorsports vehicles and a business that serves the collector car community. Why Hagerty? At Hagerty, they're as passionate about class...
When it comes to roof claims in today's market, carriers are now looking very closely at the 'date of loss'. The date of loss is obviously when the damage occurred to the property. The issue that we now see occurring is the 'date of loss' not being in range of the policy term(s) if you have recently switched carriers. Carriers are now confirming th...
Your roof is just as important as the structure and contents it is protecting. Do you know if your current insurance policy will cover your roof on a replacement cost basis if you suffered a loss? In recent years' insurance carriers have implemented stricter guidelines on their roof coverage within your homeowners' policy. There are two types...
With the severe weather over the last few days our first thought is that we're grateful that, as far as we know, our family, friends and clients avoided any personal injuries or damage to property. While there are still high winds today, we want to publish some basic advice in the form of steps to take 'after the storm'...
According to the new hands-free law in Georgia, which came in effect July 1st, 2018, is that the use of mobile phones has now been restricted inside cars. Any small use, from turning on music to typing up a short text to someone, can get you a ticket. If you are seen using your phone and doing so for navigation or communications purposes, you are liable to get a ticket. The new rules might seem a little too harsh, but following them is a necessity to prevent accidents.
Many people think that homeowners' policies are all the same. The truth is they are not. If you own an above-average-value home, you should probably have a different policy type than the owner of an average- or below-average-value home.
When contracting work for your home or business, it's important to verify the credentials of the person or business that is being hired to do the work. Several factors should be considered before making your final hiring decision and insurance is one of the most important. Surprisingly, there are many businesses hired every day that are operating without insurance so it's Buyer Beware and Be Smart!
What would it take to rebuild your home if you suffered a total loss? Would you have enough coverage in place to rebuild the structure to the style & quality before the loss? People often express that the dwelling limit on their insurance policy is too high but there is a common misconception on dwelling coverage and what it is truly based on.
