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How to Choose the Right Life Insurance

Life insurance is one of the most important decisions you will make. This is because the death of the primary breadwinner can have a devastating financial impact on a family. Luckily, life insurance can help to alleviate the burden. But with so many options available, how do you choose the right life insurance for you? Rob Hill Insurance Group in Atlanta, GA offers this guide in navigating this important coverage.

Here are a few things to consider when choosing a life insurance policy. 

Life Insurance: What You Need to Consider

What Type of Policy Do You Need? 

When it comes to life insurance, there are two main types of policies: term life insurance and whole life insurance. Term gives coverage for a specific period. This can be anything from 10 all the way to 30 years. It is the most affordable type of life insurance. A whole life policy is a long-term coverage that covers you for the remainder of your life. It is more expensive than term life insurance, but it also has cash value that you can borrow against.

How Much Coverage Do You Need? 

Before you start shopping for life insurance, you need to determine how much coverage you need. The amount of coverage you need will depend on your personal circumstances. Consider things like your age, health, debts, and dependents when determining how much coverage you need.

What Can You Afford? 

Once you know how much coverage you need, you can start shopping around for policies. But before you choose a policy, make sure you can afford the premiums. Some policies have higher premiums than others. Choose a policy that you can comfortably afford to pay.

What Are the Policy’s Terms? 

When you are shopping for life insurance, be sure to read the policy’s terms and conditions. Pay attention to things like the death benefit, premium payments, and length of coverage. These are all important factors to consider when choosing a life insurance policy.

Contact Us Today

Now that you know a few things to consider when choosing life insurance, it’s time to start shopping around for the right policy. Rob Hill Insurance Group in Atlanta, GA can help you find the perfect policy for your needs. We offer a wide range of life insurance options, and our experienced team can help you find the right one for you. Contact us today to get started.

Home Security Tips Every Homeowner Should Implement

About every 15 seconds, there is a home being burglarized in the United States. Half a million of them happen during the day due to minor mistakes like leaving the door open or not reinforcing the locks. Luckily, there are multiple ways you can keep your Atlanta, GA home safe and get the peace of mind you deserve.

Rob Hill Insurance Group also recommends purchasing home insurance to help replace the stolen items in case of a burglary.

Here are a few tips every homeowner should implement:

Secure the Doors and Windows

A survey by Nationwide Insurance showed that most burglars enter houses through open doors and windows. Over 25% of the respondents admitted to leaving doors unlocked when they were not at home in the survey. It’s important to inspect all your doors and windows to ensure they are strong and the hinges are protected.

Invest in Smart Security Systems

Today’s market offers many smart security systems that can provide your home with solid protection in Atlanta GA. You can go for DIY systems or get professional monitoring and home automation. You can install smart cameras, bulbs, and alarm systems that notify you when someone tries to break into your home from wherever you are.

Light Up Your Home

Some burglars prefer to strike and take advantage of poorly lit homes. If you have a big backyard, you may want to invest heavily in lighting to keep your outdoor space well-lit at night.  Lighting up your home not only keeps intruders away but also prevents accidents when walking around.

Get Rid of Bushes

Overgrown trees and shrubs make great hiding places for intruders. Trim down larger trees that could be used for cover, particularly behind your home. Go for smaller bushes and flowers. If you have trees or flowers touching your windows, remove them or reinforce the windows with extra security.

Don’t forget to get enough home insurance to protect your family and property. Feel free to contact Rob Hill insurance Group in Atlanta, GA to learn more about the policy, get quotes, and be informed about other policies.

Why more Atlanta area residents are choosing comprehensive auto policies

AtlantaGA area drivers can rely on the Rob Hill Insurance Group for all of their auto insurance needs. If you would like to learn more about how a comprehensive auto policy can better suit your needs, reach out to us today. 

Benefits of a comprehensive auto policy for Atlanta area drivers

The main benefit of a comprehensive auto policy for Atlanta area drivers is increased protection. You will be able to opt for a higher level of coverage with a more comprehensive policy, and that is just the beginning. In addition to having a higher amount of protection for accidents, medical expenses, and liability, you will be able to choose a number of different features that meet your needs.

Add-ons such as a roadside assistance package are available when you upgrade from a basic primary policy. With an enhanced auto policy, you can also select a number of different features that may be of use to you. These features include services like the aforementioned roadside assistance, and that’s just the beginning. 

If benefits such as a declining premium or coverage for rental car expenses appeal to you, it may be time for an upgrade. If your car is damaged or totaled due to a covered incident, you can be eligible for reimbursement for your rental car expenses. This can be a lifesaver if you rely on your car to get you through your everyday routine.

Find out more today!

Rob Hill Insurance Group is here to help you with your insurance needs. If you are a resident in the greater Atlanta, GA metro area, we would love the opportunity to help you with your auto insurance needs. Call or stop by our office today!

Life insurance FAQs

Having questions about life insurance is not unusual. It is not something that generally is talked about. Most people will have no idea if their friends and family know anything about life insurance because it is never discussed. At Rob Hill Insurance Group in Atlanta, GA, we enjoy talking about life insurance. As independent insurance agents, it is part of our responsibility to share our knowledge with our customers. 

Do I need life insurance if I am young?

Being young is the best time to buy whole life. You will set the premium at a low price, and it will be with you at that lower cost for your entire life. Your chances of dying are lower when you are young, and you may not have dependents, but it is still the best time to start acquiring life insurance. 

Why should I buy life insurance if I get some from work?

Do you know exactly how much and what type of life insurance you get from work? Do you know what happens if you change employers? Can you continue to pay for life insurance? It would help if you had complete control of the protection you get from life insurance and not leave it to your HR department. 

How much life insurance do I need?

Life insurance needs are a very personal figure. It is determined by the number of people who count on you for financial support, your income, and how many years you will need to provide that support. Will you need to supply 100% of the support for your dependents, or will they have other sources of income? Experts think that 7-10 years of income is needed if you have children is the average amount. 

Contact Rob Hill Insurance Group in Atlanta, GA with all your questions and needs about life insurance.

First-Time Homebuyer? What You Need To Know About Homeowner’s Insurance

You’re not necessarily legally required to have homeowner’s insurance when you purchase a house, but if you have a mortgage, you’ll need it. Here, we’ll take a look at what you need to know about purchasing a homeowner’s insurance policy as a first-time buyer. 

Consider Your Credit Score. 

If you’ve recently worked to pre-qualify for a mortgage, it’s likely that you’re already aware of your credit situation. A higher credit score could mean lower insurance premiums, so keep paying your bills on time and time twice before making any large purchases in addition to the purchase of your new home. 

Review Your Policy. 

It can be tempting to choose the cheapest policy, but you’ll want to take a close look at everything your policy includes before you agree to make an insurance purchase. Talk with your insurance agent about how to file a claim, whether you have a deductible and the ins and outs of your coverage. 

Think About Disaster-Proofing. 

Taking measures to make it less likely that your home will be affected by a disaster may lower your insurance premiums. Talk with your agent about upgrades you can make to the new home that may help you get a better deal on your insurance policy.

Ready To Buy A Home? Reach Out To Rob Hill Insurance Group, Serving Atlanta, GA, To Discuss Your Options

If you’re preparing to buy a home for the first time, congratulations! Rob Hill Insurance Group, serving Atlanta, GA, is proud to work with you to help you learn more about your homeowner’s insurance options. Reach out or stop in today to learn more.

Auto Insurance Tips For Teen Drivers

The first thing that you need to do when you become a legal driver is to get auto insurance coverage. If you will be driving your parent’s car, then you will need to be added to their auto insurance policy as a covered driver. If you will be driving your own car, then you will need to obtain your own auto insurance policy to drive in Atlanta, GA.

Insurance Requirements for Teen Drivers

Georgia offers a graduated licensing system for teenage drivers that allows them to apply for three different license types, which include an instructional permit, a Class D intermediate license, and a full Class C driver license once they reach the age of 18. Teen drivers are only required to have auto insurance once they obtain a Class D intermediate license.

Teens must carry a minimum bodily injury coverage of $25,000 per person and minimum property damage coverage of at least $25,000. This coverage can either be acquired through the policy of a parent or guardian or the teen must obtain their own auto insurance policy. At Rob Hill Insurance Group, we are happy to guide you through the process of becoming an insured driver.

What Affects Teen Auto Insurance Coverage?

Because teens have such little experience on the road, they are often viewed as potential hazards. Other than their lack of experience, there are other factors that will have an impact on their auto insurance, such as:

  • Good grades
  • Maintaining a safe driving record
  • Paying a higher deductible
  • Driving a modest car

If you have questions about obtaining insurance for a teen driver in Atlanta, GA, contact Rob Hill Insurance Group. We are true professionals here to save you time and stress in obtaining the auto insurance coverage that will keep your teen driver protected in the event of an accident. Give us a call today.

5 Factors that impact a life insurance policy in Atlanta, GA

Life insurance is often misunderstood.

Despite being essential protection for you and your family, many Americans don’t understand how life insurance is even calculated. Yet, it doesn’t have to be a mystery.

Rob Hill Insurance Group can help. In a process known as underwriting, the agency will analyze demographic components to determine what policy is ideal for you. In order to better explain the process, the agency lists five factors that impact life insurance rates the most.

Policy

Payout and length directly influence pricing. Term life insurance, which expires after a set number of years, usually costs less. In contrast, permanent life insurance contains guaranteed benefits, making it more expensive.

Age

New life insurance policies become more costly as you get older. In general, younger people have greater life expectancies and more opportunities to pay premiums. As a result, locking in rates at an early age is encouraged.

Gender

Women typically pay less than men. Again, this is due to life expectancy. On average, women in the U.S. live five to seven years longer than men.

Medical History

Pre-existing medical conditions will increase rates. Insurers will also consider your family’s medical history as well. Chronic illness, like cancer or heart conditions, could result in coverage being denied entirely.

Lifestyle

High-risk behaviors and dangerous occupations can negatively impact your life insurance policy. In addition to looking at your career, agencies will review how you spend your free time too. This could include examining criminal history, driving records, travel overseas, or even your finances.

Contact an agency serving in Atlanta, GA

Life insurance is too important to be overlooked. Rob Hill Insurance Group is here to answer any questions you may have. Their experienced professionals will evaluate these factors and determine the right policy for you. Schedule an appointment today.

Georgia Home Insurance – What You Need To Know About Home Insurance

There is an investment in your life that can last for decades to grow in value and have the ability to be left to your children and that investment is your home.  Home values rise and fall in relation to the economy and the local housing market.  If you make improvements to the house and property over time, these improvements can cause your home value to rise.  This rise in value will be exponentially reflected if the other homes in the neighborhood also experience a rise in home values.  

This lifetime investment can be wiped out in a tornado, fire, or other events that can take everything you own inside of the home.  Now, imagine that happening without the home being insured?  It’s the absolute worst-case scenario imaginable for your investment.  Insuring your home and investment is imperative to keep your house protected at all costs.  Rob Hill Insurance Group in Atlanta, GA can consult with you about your home insurance needs in Georgia today.

Insuring Your Home

Home Insurance is a prerequisite before being approved for any home purchase that requires a mortgage.  For those who have paid-off homes, insurance is merely an option to have, but it would be foolish not to have it in place.  There are simply too many variables out there to consider between home burglaries, fires, storm damage, tornadoes, and other damages that can affect the home.  

Home Insurance covers the immediate home and all contents inside the home.  So, it’s a good idea to make a list of all valuables that you own inside the house, including those that are kept in a safe.  You don’t have to list every single article of clothing you have, you can simply eyeball the dollar amount on the list.  Making this list is good for cataloging purposes and it also gives you a rough idea of how much coverage in a dollar amount that you would need in your home insurance policy.  You can also purchase liability coverage to protect against any accidents on the property outside of the home.

More Information

You can learn more information about home insurance in Georgia by contacting Rob Hill Insurance Group in Atlanta, GA today!

Why basic auto insurance may not be the right choice

Drivers in Georgia need to protect themselves from all the driving mishaps that can happen. Traffic in the Atlanta area is horrendous. Basic auto insurance is required by the state of Georgia and while that offers some protection, is it enough to make you feel safe? That is what your local independent insurance agent can do for you, assess your risk and make suggestions. In Atlanta, GA at Rob Hill Insurance Group, we do business the old-fashioned way through word of mouth and providing personal service to our clients. 

Basic auto insurance in Georgia is liability coverage. The required amount is 25/50/25. That provides $25,000 for medical expenses and injuries for one person in an accident and a total of $50,000 for the complete accident. Another $25,000 for property damage. While this is adequate, if you have a lot of assets, it is not nearly enough to really protect you. 

Liability coverage for those with more financial worth should be considerably higher than the minimum amount required. Adding an umbrella insurance policy is also something that should be considered. 

While basic insurance takes care of others you may have an accident with, it does nothing to protect your vehicle. Collision coverage protects your vehicle in an accident where you are at fault. If your vehicle is stolen, vandalized, or damaged by something beyond your control, you will need to have comprehensive coverage, which also usually includes glass coverage.

If paying for the repairs to your vehicle would not be a problem for you, then basic insurance is the right choice, but if like most people, the expense would be difficult for you to manage, then having a fully-loaded auto insurance policy will provide you with the peace of mind you need.  

Contact Rob Hill Insurance Group in Atlanta, GA for all your auto insurance needs. 

Term vs. Whole Life Insurance

At Rob Hill Insurance Group, many of our finest Atlanta, GA clients have heavily debated the nature of term life and whole life insurance policies. We understand this confusion and can help explain the different options that may be necessary to consider in this situation. 

Term Life Insurance: A More Limited Option 

Your term life insurance policy is more limited in the sense that it does not last as long as whole-life insurance. In other words, your policy is usually set for a term of 10-30 years, depending on your policy. Why would anyone want a policy that didn’t last their whole life? 

Typically, term life is a good option for people who are already reaching the end of their life. And it is also a strong choice for those who don’t have a lot of money to spend on a policy. A good term life policy still offers high-quality compensation, making it an excellent choice for many.

Whole Life Insurance: A More Comprehensive Choice

By contrast, full life insurance is designed to last your entire life. As a result, you can expect this type of policy never to lapse, as long as you continually make your policy payments. The downsides do include a higher level of cost and some difficulties getting this type of coverage. 

Often, whole life insurance is something designed for younger people or those in better health. People with weaker bodies may find it harder to find this type of coverage. That said, it may also be available in some scenarios, so it is worth considering even if you’re aging towards your senior years. 

Don’t Neglect Your Insurance Needs

Which type of life insurance seems more suitable to your needs? If you still aren’t sure, it might be time to reach out to us at Rob Hill Insurance Group to learn more about your Atlanta, GA options. We work closely with all our customers to help improve their chances of satisfaction.