Why Health Insurance Matters

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.

4 Key Areas Covered by Home Insurance

Your home is more than a roof over your head – it’s a place you retire to escape the chaos that out’s there. Your home is a shelter for your family and pets, and it’s one of the most significant financial commitments you will make in life. Given that your home is valuable to you, investing in an insurance policy that protects what matters most in your life makes sense. When you buy home insurance from Chastain Agency Inc. of Gainesville, GA, here are the critical areas protected by this coverage. 

Dwelling coverage

Most homeowners buy insurance to protect their structures from perils like fire, vandalism, lightning, hail, etc. Moreover, your home insurance can cover detached structures like the fence and swimming pool at an additional premium.

As a rule of thumb, buy dwelling coverage sufficient to replace your home from the ground up. However, take note that your typical home insurance doesn’t cover you against risks like floods, earthquakes, and sewer backup.

Personal assets

You may think that your personal belongings aren’t worth much, but you will be surprised when you conduct a home inventory. Walk from room to room and list everything you own. Your home insurance compensates you should loss or damage occur to your assets.

Liability coverage

Most homeowners don’t pay attention to liability coverage, but it’s one of the most important coverages to invest in. This coverage protects your assets and earnings when accused of liability claims. Home insurance covers you when third parties accuse you of bodily injury and property damage.

Loss of use

When a peril listed in your home insurance policy makes your home unlivable, home insurance can cover the costs you incur in a temporary shelter until your home is repaired.

Home insurance in Gainesville, GA

Shopping for home insurance in Georgia? You can trust Chastain Agency Inc. for all your home insurance needs.

5 Important benefits of renters insurance

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.

What auto insurance is required in Georgia?

Georgia law requires that all drivers carry auto insurance. If you plan to continue to drive, you need to maintain this insurance at all times. At the Chastain Agency Inc. in Gainesville, GA, we are an independent agency and thus are committed to service. We treat our customers as individuals and customize the insurance we recommend for their needs. We strive to give everyone the service they expect and deserve. 

Georgia is a fault state, which means whichever driver is responsible for an accident pays for the damages. What you must carry if you are driving is liability coverage. The mandated amount is 25/50/25. That is $25,000 in bodily injury for one person in an accident with $50,000 for all injuries. With $25,000 for damage to property. This is pretty average when it comes to liability coverage. 

For drivers who lease their vehicle or have an auto loan, you will need to cover your vehicle as well as have liability protection. This means adding collision, and comprehensive coverage to your policy. 

Collision covers exactly what you would expect, collisions when you are responsible. This will help pay for repairs and if the vehicle is a complete loss, you will get the amount the insurance company thinks your vehicle is worth. If this is not enough to pay your loan, you should consider gap insurance. Collision insurance also covers an accident where your car is the only car involved and hit and run. 

Comprehensive coverage is non-collision insurance. Many things can happen to your vehicle without another vehicle being involved. Your vehicle can be stolen or vandalized, a tree limb can fall on your car or hail can damage your paint. A deer can run into the road in front of you. Glass coverage is also included. 

Contact Chastain Agency Inc. in Gainesville, GA., when you need to get an auto insurance quote. 

How Does Commercial Insurance Protect My Business?

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.

4 Areas Covered by Auto Insurance

You have car insurance in Chastain Agency Inc. because it’s mandatory, right? But is this the only reason you should invest in a car insurance policy? It’s a resounding no. Auto insurance is a worthwhile investment because it covers you in the following areas.

Protects your asset

Has your car been stolen? Or perhaps it’s been involved in an accident? Whatever the case, you don’t have to worry because car insurance has got you covered. Car insurance compensates you for loss or damage sustained by your vehicle. As such, you don’t have to start from scratch whenever the unthinkable happens.

Liability protection

Life is full of surprises. By deciding to take a simple drive with your car, the aftermath of a car accident can leave you facing costly liability claims. Thankfully, if you have car insurance, it takes care of bodily injury and property damage liability claims, lessening your financial burden.

Medical protection

Assume you and your passengers are involved in a car accident. Without a sound health insurance plan, you could easily plunge into a financial mess. Luckily, MedPay or PIP coverage takes care of your medical expenses following a car accident. Also, it pays for partial loss of income if you can’t resume your place of work due to injuries.

Emergency assistance

A vehicle breakdown can happen when you least expect it. It could be in the middle of the night or during weekends when far away from home. Luckily, car insurance can bail you out from your predicament by towing you or providing services like gas delivery, puncture repair, and battery jumpstart.

Car insurance in Gainesville, GA

Shopping for car insurance in Gainesville, GA? Why don’t you get in touch with Chastain Agency Inc.? Since different motorists have unique needs, we provide personalized auto insurance coverage to meet your unique needs.

Reasons You Need Renters Insurance

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.


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.


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: 3 Vital Tips

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.


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.

How to Calculate the Amount of Life Insurance You Need in Gainesville, GA

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.

4 Advantages of Georgia Auto Insurance

Having an auto insurance policy is undoubtedly one of the wisest decisions of a good and responsible driver. Yes, you may have years of experience, keep your car well maintained and obey traffic laws, but anything can happen. Think of a careless driver on the road or even a natural disaster. What would you do in such instances? 

Georgia requires you to carry a minimum level of insurance wherever you drive. However, many opt to purchase additional coverages for well-rounded protection. If you buy car auto insurance from Chastain Agency Inc. in Gainesville, GA, you will enjoy the following benefits.

Compliance with the law

Georgia requires that all drivers must have auto insurance coverage. The minimum coverage constitutes the maximum amount your insurance company will pay if you are at fault for an accident. You risk jail time, heft fines, and license suspension if you do not have at least the following:

  • Bodily injury coverage
  • Property damage liability
  • Uninsured and underinsured coverage (though may be rejected in writing)

Offers protection to yourself and others

Insurance is a safety net that pays for unforeseen expenses that may arise. An accident can happen that leaves you in need of medical care or unable to work anymore. PIP or MedPay coverage covers partial loss of income and medical expenses for you and your passengers. 

Offers customized coverage features

The worry of not having a policy that won’t cater to all your needs is a thing of the past. We can help customize your policy that suits your needs and that of your family. For example, if you need endorsement coverages like engine protect coverage and roadside assistance, it can be customized in your policy.

Offers peace of mind

Imagine driving, and a careless driver hits your car. Worse enough, assume they are uninsured or underinsured. In such instances, you could pay a fortune to repair. But with your insurance policy that covers such an event, you are safe. That’s what we call peace of mind.

Auto insurance in Gainesville, GA

The benefits of having auto insurance are limitless. That said, wait no longer to get coverage. Instead, contact Chastain Agency Inc. for an affordable quote.