by Chris on June 29, 2009
in Safety
Announcing the Ribbon Cutting of the Cobb County Safety Village
Cobb County will be opening the long awaited Safety Village later this Summer. The county broke ground on this project in February of 2008. The safety Village is an 8 acre area that will house a life-like village to provide safety training and education for the entire community.
The ribbon cutting will be held on Friday, July 31, at 10 a.m. and there will be an open house on Saturday, Aug. 1, from 10 a.m to 2 p.m. Both events are open to the public.
For more information, please visit their website http://www.cobbcountyga.gov/safetyvillage/index.htm
Chris Jordan is an Independent Insurance Agent in Atlanta. Specializing in Atlanta auto, home, life, and business insurance… Chris offers consumers a unique interactive experience by broadcasting live via webcam during business hours. Visit him online at http://www.chrisismyagent.com and at http://atlantainsurancelive.com
Do you know what is most important when considering your Atlanta Insurance purchase?
I have narrowed down the top five things a person or business needs to consider when purchasing insurance or changing their insurance plan:
- Financial Stability of the Company – This is the most important item on my list. It is very important to make sure that your insurance carrier has a strong financial rating (A- or better). I will get into financial ratings in another post.
- The ability and timeliness of claims being paid – This sort of goes with number one, because financial ratings will have a lot to do with a companies ability to pay out a claim. Another thing to consider is the timeliness and convenience of when and how claims are paid. Some carriers provide concierge claims centers, others send an adjuster. Both are good, just make sure your company has a strong record of awarding claims fast.
- How well does the coverage meet your needs? – Very important. Before you purchase an insurance policy, make sure that the agent has explained how and why the selected coverage options meet your needs. Thoroughly review your insurance quote and ask every question that is unclear to you. Having inadequate coverage can really hurt if you ever have a major claim, and having too much coverage can result in spending thousands of dollars unnecessarily.
- Price and Price Stability – Obviously, price is a major factor in your decision. Be sure however, to consider price stability. How much does the premium change over time? Insurance premiums will always fluctuate… but be sure that you aren’t purchasing a policy just because the price is low. Many companies will make a Market Investment and lower the price to capture a large percentage of the marketplace, than rapidly increase those premiums over the next year or two. Bottom line is important, but DO NOT shop just on price.
- Level of Service Provided by You Agent – This is my favorite. Make sure your agent and agency are providing you with a level of service that you are comfortable with. Judge this on how quickly you get a response, and how helpful the agent is when assisting you if there is a problem (be it billing OR claim). It is important to find an insurance agent that you are comfortable working with because it is likely that you will be paired up for the long run.
Follow all five of these guidelines and you are certain to make a good decision on your next insurance purchase!
Chris Jordan is an Independent Insurance Agent in Atlanta. Specializing in Atlanta auto, home, life, and business insurance… Chris offers consumers a unique interactive experience by broadcasting live via webcam during business hours. Visit him online at http://www.chrisismyagent.com
by Chris on June 2, 2009
in Home
Home Improvements Affect Homeowner’s Insurance
Have you evaluated your Atlanta homeowner’s insurance policy since you made major upgrades to your home?
I wanted to post something quickly about an issue that most people do not consider when they do major renovations to their homes… Evaluate you homeowner’s insurance policy!
Homeowner’s insurance covers the cost to replace your dwelling. The amount listed on your policy does not cover the land, it is not necessarily the market value of your home, and it may not cover major home improvement projects.
The bottom line is that If your home is valued at 250k and you make 40k in upgrades, then you need to evaluate your insurance situation!
Chris Jordan is an Independent Insurance Agent in Marietta, GA. Specializing in Atlanta auto, home, life, and business insurance… Chris offers consumers a unique interactive experience by broadcasting live via webcam during business hours. Visit him online at http://www.chrisismyagent.com
