Is health insurance needed in Georgia?

Anyone that lives in the Gainesville, GA area should spend time carefully assessing all of their personal insurance needs. While there are a lot of important forms of coverage to get, among the most important is health insurance. There are a lot of reasons why having a health insurance plan when you are in this area of Georgia is so important.

Health Insurance Encourages a Healthier Lifestyle

One of the main benefits of having a health insurance plan is that it can help to encourage a healthier lifestyle for you. If you have a health insurance plan, you will be able to see a physician or specialist and get access to medication when needed. This will allow you to know more about your current health status and get care to improve it. You can also receive tips that can be followed to help you be healthier overall. 

Insurance is Required

In recent years, having a full health insurance plan has also become a legal requirement. All people today are required to maintain coverage for themselves and their dependents. You will need to provide evidence of this coverage when it comes time to file a tax return. If you did not have the proper coverage in the preceding year, you will be penalized. 

If you would like to get a health insurance plan and you are in the Gainesville, GA area, it would be helpful to speak with someone that you can trust. The team with Chastain Agency Inc. can help you carefully assess all of your insurance needs and choose an appropriate plan. Chastain Agency Inc. is able to do this by spending time to answer all of your questions and ensuring you are able to pick a plan that is ideal for your situation. 

When Should You Get Car Insurance?

If you live in Gainesville, GA, you know you need car insurance so that you can be on the safe side of the law. Having car insurance is almost a requirement that you cannot ignore if you live in any other state across the country. Chastain Agency Inc. answers some questions that are very critical to many people when it comes to car insurance, especially those who are not conversant with this industry. 

Does My Insurance Extend to My New Car?

If you have already registered for car insurance and you happen to get a new car, you don’t have to buy another policy as your current auto insurance extends to the new vehicle. However, this is only temporary because you have not informed your insurance provider. You have a grace period of seven to thirty days before communicating with your insurance company about the new car. 

What If I Don’t Own a Car?

If you don’t own a car, you need to get auto insurance immediately. In every other state around the country, you cannot drive a vehicle without an insurance policy. Therefore, before getting onto the road, the first thing you should do is to get an insurance policy that will cover you as you drive home when you buy a new car. 

This policy does not only apply to new cars. You’re required to have an insurance policy immediately you buy a used car, and you cannot be on the road without proof of insurance. 

Do You Need Car Insurance?

In Gainesville, GA, Chastain Agency Inc. is the leading insurance agency in the city. We are highly interested in helping new car owners to understand more about auto insurance and get a policy that covers their needs. Call us today for more information on the different types of car insurance on offer. 

Reasons Your Business Needs to Undergo a Commercial Insurance Review

When you make a change to your business, you need to undergo an insurance review. You may need a policy update from Chastain Agency Inc. to adequately cover the equipment or other changes you made to your Gainesville, GA business.

The most common reasons to undergo an insurance review include purchasing new equipment, remodeling the interior of your offices, or updating your vehicle fleet. If you update your business procedures or undergo a change in the business model, this also requires an insurance review.

Your new equipment does not appear on your current policy. Your policy was issued based upon your existing equipment. Its value may exceed the policy limits on your current policy.

Building owners that remodel their office space or commercial structure increase its value. A remodel or renovation raises the building’s value. That translates to needing more coverage. Your current insurance policy covers the value of the property on the date the policy became effective. Your policy limits may not cover your addition or renovation.

Your commercial auto policy needs updating if you update your fleet. You need to add new vehicles as you acquire them and new drivers as you hire them. 

Things like updating your business procedures may prove much less common, but they can affect the risk of insuring your firm. When you change procedures, you can decrease or increase the risk incurred by your company which in turn affects the risk of insuring you.

Call or visit Chastain Agency Inc. serving Gainesville, GA for more information or to set an appointment for an insurance review. Let us help you ensure you properly insure your company to reduce your operating risk.

Why should I invest in a renters insurance policy?

The Gainesville, GA area continues to be a great place for anyone to work and live. If you are going to move to this area of Georgia, one great housing option to consider would be to rent your next home. When you do rent a property in this area of Georgia, you can benefit through flexibility and having plenty of options to choose from. When renting a new home, there are several reasons why you should invest in a new renters insurance policy. 

Insurance Protects Personal Assets

A renter will not own the property that they live in, but they will still have a lot invested in their personal belongings. Due to this, you will want to know that your personal belongings are covered and protected. When you get a renters policy, there will be a provision that gives coverage to replace your assets if there is a fire or other type of loss.

Insurance Gives Liability Coverage

You also should get renters insurance as it will offer you liability coverage. Renters will have many of the same liability risks as property owners. Since these risks can lead to claims if you are found at fault for damages, you should get proper coverage. With renters insurance, you will get the liability coverage you need. 

If you are looking for a renters insurance policy when you are in the Gainesville, GA area, you should call Chastain Agency Inc. The process of picking renters insurance will come with a lot of factors that need to be taken into consideration. To ensure that you are able to pick the right policy, Chastain Agency Inc. will work with you to understand your needs. They can then explain all of your options and help you to build a policy that properly meets your needs. 

3 Safety Tips for Winter Driving

3 Safety Tips for Winter Driving

With winter fast approaching, cold and inclement weather is just around the corner. While the best advice to stay safe is to stay home, enjoy a cup of hot chocolate and read a book in front of a roaring fire we know that isn’t possible so if you do have to venture out on the roads during bad weather follow these tips:

Vehicle Winter Maintenance

The last place you want to be stranded during a winter storm is on the road with only what’s in your car for protection and warmth so before embarking on any trip – no matter how short – it’s always a good idea to prioritize your vehicle’s maintenance. Start by checking the tread on your tires because this is what helps your vehicle maintain a grip on the road during icy conditions. Next, check the brakes, and if you hear a squeaky or grinding noise when using them take your vehicle to the dealership ASAP. Lastly, always check the fluids – particularly windshield washer fluid. 

Prioritize Defensive Driving

Bad weather is not the time to hit the roads like you’re on a race track so take your team and go slow. Making quick movements of the steering wheel or having to slam on the brakes is going to increase the likelihood of losing control. Additionally, pay extra attention to other drivers and try to match their speed if it is safe to do so – particularly if you are on a road that has already been plowed. 

Check Your Liability Coverage

Make sure that your car insurance liability coverage is high enough to safely cover the medical bills and property damage associated with a third party. At the Chastain Agency Inc. in Gainesville, GA our knowledgeable team of insurance professionals can review your policy and help customize it to best fit your needs. 

Why Georgia Entrepreneurs Should Consider A Business Owner’s Policy While Researching Commercial Insurance

Chastain Agency Inc. serves the Gainesville, GA community, as well as the surrounding areas, through helping people find insurance coverage. We strive to help our clients find policies to protect their investments. We have used our status as an independent insurance agency to develop successful partnerships with multiple carriers in Georgia.

The Benefits Of A Business Owner’s Policy

As an entrepreneur, you are likely anxious and excited about the future of your business. While you are brainstorming the future success of your local Gainesville, GA business, it’s important that you consider the benefits of commercial insurance. Commercial insurance allows you to protect your business in the event that something goes wrong. A Business Owner’s Policy offers comprehensive coverage to protect your business.

You can amend the policy to cover the specific needs of your business. The policy protects your business if it is damaged by a natural disaster. Your inventory is also covered if it is stolen or vandalized. Liability coverage protects your business if a patron is injured while visiting your business. The coverage also protects you if defective products cause serious damage.

In the event of a fire or serious explosion, business interruption coverage is an asset. You will be protected if you are unable to operate your business for a specific period of time or if you have to move to another location while your property is repaired. You can amend your policy to include cyber-crime protection if you suffer a breach that compromises your business. Liability coverage is also included so that you will be protected if your online business strategy leads to a potential slander allegation or another type of liability dispute in the future.

Chastain Agency Inc. Will Help You Protect Your Business

Visit our website today to learn more information about commercial insurance.

Is Renter’s Insurance Mandatory?

If you rent a home, townhome, or apartment, there’s a good chance that you’ve heard about renter’s insurance. This very important coverage helps pay to replace your personal belongings and help you find an alternative place to stay if where you live is damaged during a fire or other catastrophic event. 

So, do you know if you really need it or not? That’s where our team at the Chastain Agency Inc. is here to help. Here’s what you need to know about renter’s insurance and why it might be mandatory depending on where you live.

Is Renter’s Insurance Mandatory?

By law, renter’s insurance is not mandatory coverage. To put it bluntly, the government doesn’t care if you have to replace that awesome flatscreen television after a burglary or if you need a new sofa after a house fire. Property insurance is different from auto insurance in that there is no legal requirement to carry it, even though doing so is still a good idea. (And, as a bonus, it could save you quite a bit on your car insurance!)

How Can My Gainesville, GA Landlord or Apartment Complex Require Me to Carry Renter’s Insurance?

This really comes down to the lease contract you sign. Landlords can add any sort of details they want into these contracts, within reason. Most want you to have a renter’s insurance policy to help protect you if there is ever a fire, storm, theft, or other major incidents. They know that their insurance for the home or apartment they’re renting to you does not cover your personal property, so they add this requirement to ensure you’re taken care of.

Ready to learn more about how renter’s insurance can help protect you as a tenant in Gainesville, GA? Please contact our team at the Chastain Agency Inc. to schedule an appointment.

Available health insurance options in Gainesville, GA

Notwithstanding the urgency to restructure and reform the health system and cost of health care, staying healthy is your primary concern but most important is owning a health insurance policy. Great news to all residents of Gainesville, GA, Chastain Agency Insurance Inc., is an independent insurance agency that offers high-quality services to our clients. We pride ourselves in our commitment to delivering health insurance services that are professional and even exceeds our client’s expectations. Folks in Gainesville GA, area, and the entire state of Georgia can put their mind at ease when it comes to the health insurance policy. Chastain Agency Insurance Inc. is the place to visit for all your insurance cover. We serve Individual, small, and big business health insurance cover.  

When your visit Chastain Agency Inc., whether you use your health insurance for regular or routine check-ups, the following insurance options will be available for all residents of Gainesville, GA, we provide medicare insurance, Individual & family Insurances, and Small & big Business insurance. Buying an individual and family health plan from Chastain Agency Inc., you are guaranteed for three types of health insurance. 

1. Affordable Care Act Plans provides a wide range of health care services for both outpatient and inpatient. Using this health care plan, you can save money on prescription drugs, hospital stays, routine doctors’ visits, and preventative care. 

2. Short-term Plans come to help those how can’t afford the Affordable Care Act by offsetting costs for emergency medical cover. 

3. Medical Indemnity Plans help cover coinsurance and copays, which are often regarded as out-of-pocket medical expenses.

Small business health insurance is another option that you will find at Chastain Agency Inc. It’s more economical friendly when you purchase small business health than purchasing coverage by yourself. The merit with this cover is that you can terminate it at any time of the year as you wish, and it’s a primarily guarantee coverage. 

Please visit or call our agents at Chastain Agency Insurance Inc. who provide you with more information on our health insurance policy.

What are the reasons to get life insurance in Georgia?

Those that are in the Gainesville, GA area are going to have many different forms of insurance that they need to get. One form of insurance that should not be overlooked is life insurance. There are many reasons why someone in the Gainesville area should get a life insurance policy. 

Provide Financial Protection for Dependants

One of the primary reasons why you should get a life insurance policy is that it can provide financial protection to your dependants. If you have people that rely on you and your income, you should make sure that they have financial support if you were to pass away unexpectedly. When you get a life insurance policy, you can provide this protection. You will also have the ability to build a policy that provides the right level of coverage. 

Life Insurance Offers Investment Benefits

Another reason to get a life insurance policy is that it can provide you with valuable investment benefits. If you are looking for a low-risk investment option to add to your portfolio, whole life insurance can be a great option. When you get whole life, a portion of your premiums will be invested into an account that also grows with interest. You can eventually liquidate this account. 

There are a lot of reasons why someone in the Gainesville, GA area should get a life insurance policy. At the same time, picking a policy can seem confusing and complicated to those that are new to picking life insurance. If you are evaluating your life insurance needs and options, you should speak with the team at the Chastain Agency Inc. When you do speak with the team at the Chastain Agency Inc. you are going to receive a lot more guidance and personalized support that is needed to choose a quality policy. 

Auto Policies for Teenage Drivers

Drivers in the state of Georgia are required by law to have insurance coverage for their vehicles and everyone in the household who drives the vehicles. Liability insurance is mandatory, however, there are other supplemental policies available as well to extend coverage.  Parents or guardians with teenage drivers who fall in the fifteen to the eighteen-year-old range are often overwhelmed by the choices and rates for various policies. The Chastain Agency Inc.can help parents and guardians in the Gainesville GA area to choose the right policy for their teen driver. 

Most states including Georgia have implemented a graduated license system for teens between the ages of fifteen and eighteen.  Since traffic accidents are a leading cause of damage to vehicles, injury to the drivers and others, and even death in this age range, the limited license allows teens to gain experience in a more controlled way.  Discussing these risks with a qualified agent will help parents/guardians to find the right auto insurance coverage for their entire family.  

Families often choose to add their teen to an existing family auto policy.  Since the risk of an accident is higher in the first year of having their license, the insurance rates for a new driver are often higher.  Ask your agent at Chastain Agency Inc. about the following ways to lower rates:

  • Possibly raising deductibles to lower monthly payments
  • Ask about discounts 
  • Compare rates on SUVs and sports cars to those of vehicles considered safer for teen drivers.

If you are looking for insurance coverage in the Gainesville, GA area please visit our website for more information and to get started finding the right auto insurance policy for your teen driver.