Ask those diagnosed with an illness, and they will tell you the importance of health insurance. Please don’t wait until the hospital slaps you with thousands of dollars to realize why health insurance matters. It would be best to prepare yourself emotionally and financially for any future health issues.

We are all prone to illnesses, and that’s why health insurance comes in handy. Health insurance is your safety net when you need medical care in those tough times. Thinking of purchasing health insurance from Chastain Agency Inc.? Here are reasons health insurance is a wise investment.  

To safeguard your assets and savings.

Most people without health care insurance tend to sell their assets or even borrow money to pay for emergency medical expenses. Health insurance covers the amount required to pay your medical bills.

Expensive medical expenses

The rising cost of medical care is wanting. A single visit to a doctor can cost you thousands of dollars. But health insurance covers medical expenses for you and your family.

Preventive purpose

The most cost-effective way of disease management is by preventing the disease from striking in the first place. Health insurance covers preventive care procedures like vaccinations, annual checkups, etc.

For peace of mind

With the modern lifestyle, so many conditions can arise needing medical care. Instead of worrying about what will happen when you fall ill, purchase health insurance and let your policy carry that burden for you.

Health insurance in Gainesville, GA

Health is wealth. Investing in health insurance ensures you get the best care. Are you not covered with health insurance? Don’t wait any longer. Buy your health insurance from Chastain Agency Inc. if you live in the Gainesville, GA area. Contact us today for an affordable quote.

Renters insurance is a property insurance policy that covers losses resulting from damage to personal property in your rental house. It is also referred to as the tenant’s insurance. A standard renter’s insurance policy has three types of coverage to protect you, your personal belongings and living arrangements. Reach out to Chastain Agency Inc. agents in Gainesville, GA, for more information on the different types of coverage available.

What does the renter’s insurance cover?

• Personal property
• Additional living expenses
• Liability

5 Important benefits of renters insurance

For residents in Gainesville, GA, here are five essential benefits you will gain when you buy a renters insurance policy.

1. Safeguard your personal belongings 

If you are living in a rental house, it is essential to keep track of your personal property such as smartphones, laptops, tablets, or gaming systems. The renter’s insurance policy covers repairing damaged goods or replacing personal property

2. Injuries at your rental home

The renter’s insurance policy covers lawsuits for injuries or damages occurring in your home. It also covers damage that you or your family members or pets may cause to others.

3. It covers your additional living expenses.

Suppose your apartment or rental home is damaged and becomes uninhabitable while it’s being repaired. In that case, the Chastain Agency Inc. renters insurance policy covers the additional expenses you will incur as you await the completion of repairs, such as the costs of staying in a hotel.

4. Your landlord’s insurance does not cover you.

The landlord’s insurance policy only covers the physical structure and excludes your personal belongings or injuries in case of an accident.

5. It is affordable

Chastain Agency’s renter’s insurance policy is affordable. Talk to our agents in Gainesville, GA, who will advise you on a suitable cover based on the value of your personal property.

Be sure to visit our website for more information on renters insurance or speak to Chastain Agency Inc. agents for more details about what our policy will cover.

Gainesville, GA is a fantastic place to own a business. Georgia is a booming state and many startups and small businesses see great success here. As a business owner, you likely know that commercial insurance is essential to protecting your business, its inventory and other assets. 

Commercial insurance can also cover other things, like auto insurance for business vehicles and coverage for employees’ protection should they get injured on the job. These are all offerings that commercial insurance can cover, and important things to address when you work with an agency to select the best plans for your business. 

Chastain Agency Inc. is well versed and highly experienced at helping business owners determine what the best commercial insurance plan is for them. We believe that our customers should be fully informed about the best options available, so we work side by side and ensure we know your business inside and out before making qualified recommendations on what plan is most suitable for your business and its assets. 

Just like home or auto insurance, commercial insurance exists to protect your business in times of trouble. If your business is vandalized, your inventory is stolen, or a customer is injured while visiting your business, commercial insurance can cover all of these situations under the right policy.

Small business owners in Gainesville, GA should prioritize evaluating their commercial insurance plans to ensure they have the coverage they need based on inventory, fleet, employees, and their building itself. At Chastain Agency Inc., we’re here to help business owners and entrepreneurs select the best insurance for their companies. We know it can be overwhelming, and you have more important things to focus on as a business owner. Let us take the guesswork out of insurance for you.

While renters insurance is not required under the law in the state of Georgia, some landlords do require it for you to reside in the house, mobile home, or apartment building you live in. The agents at the Chastain Agency Inc. in Gainesville, GA understand the important role renters insurance can play in people’s lives in the face of a tragedy.

Landlords will have a property insurance policy in place but that only protects the structure that you live in and not your personal belongings and other items.

There are many reasons that you should have a renters insurance policy in place and one of those is the fact that it’s a very inexpensive policy to obtain but offers so much protection for you and your family.

Personal Property Coverage

A renters insurance policy will cover your personal property which includes not only your clothing and household items but also your furniture and appliances if they are damaged or destroyed by a fire, a natural disaster, or an act of vandalism.

Theft

If your home is broken into and your stereo, TV, computer systems, and other items are stolen a renters insurance policy will help you replace those items. It will also help replace or repair items that are damaged during a break-in of your home.

Liability

You can also obtain liability insurance through your renter’s insurance policy that will protect you if someone is visiting your home and becomes injured do two something in the home that belongs to you Ann is not part of the landlord’s property. This part of your policy will help pay the injured person’s medical bills and time off work if necessary.

Get a Quote Today

To obtain a renters insurance policy that works best for you and your family, you can enlist the help of an insurance agent who has experience with renters insurance policies. Call the trusted renter’s insurance agents at Chastain Agency Inc. in Gainesville, GA today to obtain a quote and to get your policy started.

Buying individual health insurance can be daunting, but it’s important to get the coverage that works best for you. Chastain Agency Inc. is dedicated to providing residents of Gainesville, GA with quality insurance services. There are different variations and types of health care plans hence it gets confusing to decide on the best plan for your needs.

Here are some vital tips to consider when buying individual health insurance.

Total Healthcare Costs

It’s vital to analyze your individual healthcare costs and medical requirements before settling for a plan. Consider a health plan with a vast range of benefits and covers several medical conditions for prime benefits. Healthcare is vital, so don’t compromise your needs to save some money; let our agents guide you on the best plan and coverage.

Plans and Categories

When it comes down to buying individual health insurance, consider how much you want to and are willing to pay in premiums. Choose a healthcare plan which you can comfortably pay for deductibles without straining financially. Make an affordable choice that lines with your budget limit and your medical requirements.

Restrictions

As much as these policies benefit the policyholder, they also have some restrictions. If overlooked, these restrictions could be very consequential. Look out for pre-existing clauses in high waiting period plans to know about exclusions from the coverage. That informs the conditions and diseases not covered under the specific plan. Also, ensure the network hospital coverage does not restrict your preferred doctors and hospitals from the list of insurers. Choosing us as your insurance provider allows access to a vast network of hospitals and helps you evade any inconveniences when making a claim.

Individual health insurance can be tricky, so allow our experts serving Gainesville, GA, to guide you in finding the right plan. Contact Chastain Agency Inc. to avoid making common mistakes when choosing an individual health insurance plan.

Life insurance can be confusing. Term life, universal life, or whole life? $50,000 in coverage or $100,000? How do you know how much insurance you should have? While there is no exact answer to this question, there are a few tips that you can use as an estimate. In the Gainesville, GA area, you can find out how much life insurance you need with the Chastain Agency Inc.

Total Asset Value

When considering life insurance, many people like to consider their total asset value. This can be calculated by adding the total of all of your larger and valuable assets that would be hard to replace out-of-pocket. This list may include your home or houses, other properties like commercial properties, boats, RVs, and other smaller items such as gun or knife collections, art, and other personal value assets.

Value of Your Income

Perhaps the hardest thing to replace in the event of your death is your income. If you have a spouse, how will your spouse make up for the income he or she would lose with your passing? Therefore, any calculations of life insurance should include how much your regular monthly income was for at least one year past your death.

Lifestyle Increases

Standard of living is unpredictable. You had a certain budget and expected expenses that you counted on, but if you were no longer around, the ones left behind would need to allow for standard of living increases. Additional expenses may also present themselves over time including young people entering college, new vehicles, and other items that are needed to continue their quality of life.

Final Expenses and Debts

One of the basic expenses is the expenses for your final expenses. Funeral costs and final debts should be paid so that creditors and others won’t bother your family to pay your bills you will no longer be able to pay. 

Many Ways to Estimate

Chastain Agency Inc. reminds you that life insurance is the final gift of love you leave to your family. They serve the Gainesville, GA area. They can lead you through the various ways to estimate how much life insurance you might need to ensure your family’s well-being. If you need questions answered about your insurance needs, contact them for more information.