Insurance Tips

Mountain Lakes Insurance Blog

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Are you hiring an uninsured contractor? — Don’t be foolish

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 […]

Insurance Marketing: The Problem & The Truth

As an independent insurance agency, we’ve learned two things: (1) facts and inquisitive minds are good allies and (2) knowledgeable customers are great assets. As an agency, we look for opportunities to educate ourselves and our customers to stay on top of changes that might make a difference when that moment of truth, a claim, occurs.

For example, insurance marketing can often be deceptive. Unless you explore deeper, read the fine print, and ask questions, you may not understand exactly what you’re getting. For example…

THE PROBLEM Recent commercials by a national insurance company seem to mock other insurance companies for raising rates for claims:

for paying a depreciated value on a new car damaged in an accident,
for charging a higher rate for a new driver,
and it goes on and on…


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Business Insurance Basics

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 (BOP)?”
A Business Owner’s Policy […]

… When borrowing or loaning a car?

Am I Covered?
a series by Mountain Lakes Insurance
We often get questions like “I’m borrowing my friend’s car … am I covered?” or “My friend wants to borrow my car… will their insurance cover my car?” or “I’m thinking about letting my daughter’s boyfriend drive our car to the prom, will HIS insurance cover me?”
Most people have a general idea of what’s covered and not covered under their various insurance policies, but at Mountain Lakes Insurance, we get a lot of questions about unusual or infrequent situations such as:
“Am I covered … when borrowing a car from someone or loaning my car to someone?” […]

The problem with term insurance

Is term insurance still the wise, financially-prudent move? Or is there a problem with term insurance that may put you and your family at risk?

For years, term life insurance has been considered the best way to go to protect your estate while also investing for retirement. Advocates like Dave Ramsey, Suze Orman, and Clark Howard […]

Data Security Breach Store personal information? You are a target.

Target. Neiman Marcus. Other national retailers. Yahoo and other websites. And apps like Snapchat. All have been victims of cyber security attacks that have led to a data security breach and the exposure of personal information including usernames, passwords, credit card information, email addresses, and phone numbers.

The hacking of Snapchat, a popular photo-sharing application, resulted […]

What to do when you have frozen water pipes

With bitter cold temperatures in the Atlanta area, you need to be prepared. Hopefully, it doesn’t happen to you, but you should still know what to do when you have frozen water pipes.

No water or only a trickle…
Here are some techniques for thawing frozen pipes: 

If possible, expose a boxed-in area to the inside heat. An […]

Small Business Insurance Tips: 15 tips to get the right coverage for your business

Are you looking to save money and get the right insurance coverage for your business? Look through these 15 tips and please leave a comment below about the one you found most valuable for your business’s needs.
1. Insurance premiums for fire, casualty, and burglary insurance on business property are all […]

Trampoline Insurance Coverage: Trampoline Safety Tips

Are you having trouble finding trampoline insurance coverage?
Well, it’s no wonder that it’s tough to find backyard trampoline insurance coverage! Trampolines can be fun, of course, but according to a U.S. Consumer Product Safety Commission estimate*, trampoline accidents were the cause of more than 83,000 annual injuries that resulted in emergency room visits. Avoid being a […]