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2800 Shallowford Rd NE
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Atlanta, GA 30341

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What Type of Life Insurance Policy should You Buy?

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At Rob Hill Insurance Group, we prioritize the needs of our patrons in Atlanta, GA. Our goal is to provide dependable, flexible life insurance plans that cater to your needs. We strive to deliver policies that give you peace of mind, knowing you and your loved ones are protected.

Considering the Right Life Insurance Coverage

Finding the right life insurance policy can be complex. It’s not enough to choose a plan; you need to consider various factors to ensure your coverage meets your personal needs and financial objectives. At Rob Hill Insurance Group, we believe in offering valuable insights that reflect your unique requirements and helping you implement a comprehensive insurance plan.

Different Types of Life Insurance Policies

Our diverse insurance plans cater to a variety of needs. For instance, term life insurance offers temporary financial protection at affordable rates, with a payout set during specified years if death occurs. Alternatively, permanent insurance policies such as whole life or universal life policies can offer lifelong coverage and potential for cash value accumulation.

Finding the Best Life Insurance Cover

We believe a thorough assessment of your current obligations, future expenses, and long-term goals is crucial in determining your best life insurance coverage. Factors such as age, health, and listed beneficiaries can help narrow down the selection and enable a more informed choice. Let us assist you in selecting a life insurance policy that provides you and your family with the financial security and peace of mind you need.

Choose Rob Hill Insurance Group for Quality Life Insurance

If you’re around Atlanta, GA, and seeking quality life insurance, Rob Hill Insurance Group is the right place. Our dedicated professionals are ready to help you protect your family and assets. We offer a range of customizable insurance packages to fit your budget and individual needs. With us, you can rest assured of fair and considerate handling of your unique situation. Begin your journey towards peace of mind with us today.

Things home insurance won’t cover

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Home Insurance for Peaceful Living

Owning a home in Atlanta, GA, can be stress-free when a well-planned home insurance policy protects you. At the Rob Hill Insurance Group, we dedicate ourselves to guiding our clients in understanding what their home insurance covers and things outside its purview.

What’s Not Covered By Home Insurance?

Wear and Tear

It’s an inevitable fact that things depreciate over time. Your home appliances, house paint, and HVAC systems will not stay in their prime forever. When they eventually fail, home insurance won’t cover the replacement costs.

Owner Neglect

As homeowners, we hold a responsibility for house maintenance. Excluding a genuine crisis, your insurance will not cover damage due to sidestepping routine maintenance (like termite control for termite-prone areas or roof cameras).

Earth Movement

Earthquake, landslide, mudslide, or sinkhole – if the earth moves underneath your home causing damage, this is not typically covered.

Floods

Damage from flood water that enters your home isn’t covered. You can purchase flood insurance from the National Flood Insurance Program (NFIP) to protect your home from floods.

Expensive Art or Jewelry

Limitations apply to the amount of home insurance coverage for high-value items like artistic works or precious jewelry. To provide them adequate protection, include them under a separate rider.

Make the Right Choice with Rob Hill Insurance Group

When picking the appropriate home insurance coverage, let our experts at Rob Hill Insurance Group in Atlanta, GA, guide you. You’ll secure a strong peace of mind with us, knowing a well-structured policy protects your home.

Do I Need Full Coverage Auto Insurance?

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Full coverage auto insurance is a comprehensive type of auto insurance that many car owners opt to get when paying for car insurance. If you’re buying a car or switching car insurance policies, the professionals at Rob Hill Insurance Group, servicing Atlanta, GA, can help you decide whether full coverage auto insurance is right for you. Here’s what you should know. 

What Is Full Coverage Auto Insurance?

Full coverage auto insurance is a type of auto insurance that will cover expenses relating to various events. Generally speaking, full coverage auto insurance will cover physical damage to your vehicle if you are in an accident, physical damage to another party’s vehicle if you are found at fault for an accident, and extras like roadside assistance.

The exact details of each policy will vary from one policy to another, so you should check with your insurance agent to find out everything included in a full coverage auto insurance policy you’re considering. 

Who Needs Full Coverage Auto Insurance?

If you’re buying a new car or pre-owned vehicle and getting a loan from a bank, your bank may require you to get full coverage auto insurance. Even if you’re not getting a loan and therefore not required to get this type of insurance, you may still want this type of insurance if you have an excellent, relatively new vehicle that would be costly to repair in the event of an accident. As your car gets older, you may choose to drop full coverage.

How Can I Get Full Coverage Auto Insurance In Atlanta, GA?

If you want full coverage auto insurance, contact Rob Hill Insurance Group, servicing Atlanta, GA. We’ll help you determine which policy is right for you. 

Giving Yourself Time to Find a Great Life Insurance Policy

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At Rob Hill Insurance Group, we know that finding life insurance in Atlanta, GA, can be a challenging experience. It’s something to approach with the proper care and attention to ensure things go smoothly for you. Here’s the multi-step process needed to improve your life insurance situation.

Shop Around 

Don’t just buy a policy from the first provider that comes your way. Instead, take the proper time to identify a provider that makes sense for you. For example, they may be a Georgia-based firm that provides discounts to residents or someone with budget-based options that suit your needs.

Know What Type You Want 

There are a few types of policies that you could consider when getting life insurance. For example, a term-limit policy typically covers you for 20-30 years, making it a great choice if you’re a little older and want to save a little money. You can also add more years of protection if your policy runs out. 

However, whole life insurance covers the rest of your life, which makes it helpful if you’re younger or don’t want to worry about your policy running out. The level of protection remains the same, which makes it a good option for people who want a long-lasting policy that makes sense.

Make Sure You Choose the Proper Coverage Level 

Modern afterlife expenses cost thousands of dollars and can put your family into serious debt that may last for the rest of their life. As a result, you need to choose a coverage level that fully protects them, paying for your funeral expenses and their transition to life without you.

Let Us Know What You Need

Contact us at Rob Hill Insurance Group if you’re looking for life insurance in Atlanta, GA, that will keep your family safe. We’ll talk with you about your protection and develop a policy option that provides the high-quality insurance necessary for your needs.

Four types of coverage that your home insurance policy should include

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Consumers who own a home in Atlanta, GA can rely on Rob Hill Insurance Group for insurance coverage. It’s important that your home insurance policy includes all the types of coverage you need to protect your investment in your property.

Here are four types of coverage that your home insurance policy should include:

Liability coverage

Homeowners sometimes underestimate the importance of liability coverage because they assume they’ll never face expenses from liability issues on their property. This can be a big mistake.

Purchasing adequate liability coverage is essential for protecting your assets when lawsuits result from property ownership. 

Personal property coverage

It would be best if you also didn’t overlook the value of personal property in your home and the importance of getting it covered. Make sure that your home insurance policy fully insures the value of your personal property. 

Outbuilding coverage

Some homeowners have outbuildings like detached garages and sheds on their property. You might need to add outbuilding coverage to your policy if you have outbuildings.

Home insurance policyholders can’t assume their policy covers their outbuildings without reading the fine print. A lot of home insurance providers only insure the home itself on a basic home insurance policy, so outbuilding coverage needs to be added. 

Additional living expense coverage

If your home is damaged in an event such as a fire, you might be unable to live there until repairs are completed. In this case, you need to be able to rely on your home insurance to pay for additional living expenses. 

Additional living expense coverage will pay the costs of getting alternative housing in a hotel after your property has been damaged. 

Do you need a home insurance policy quote for your Atlanta, GA property? Call us today at Rob Hill Insurance Group for a policy quote. 

What Happens if I Hit a Deer?

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Driving in rural areas can be beautiful and scenic. However, driving in these areas can be dangerous, as there is a higher prevalence of encountering deer crossing the road. This could easily result in you hitting a deer, which could be a potentially fatal collision. Rob Hill Insurance Group in Atlanta, GA is here to assist.

Although you might never encounter a deer while driving on the road, it’s a good idea to know what you should do in case you happen to hit a deer while driving.

Get to Safety

The first thing that you need to do if you hit a deer is to pull over to a safe area. Don’t go near the deer, even if it appears dead, as it could still be alive and possibly pose a threat to you. You should call 911, and a police officer will meet you at the scene. If you or any passengers are injured, then an ambulance will be called. 

Contact Your Insurance Company

Once you’ve contacted the police, the next step is to contact your insurance agency to file a claim. The claim process should be easy, and if the accident didn’t result in major damage and your vehicle is still drivable, the process should move along quickly. Your assigned agent will walk you through the process to ensure your vehicle is repaired promptly.

We Are Here To Help

Hopefully, you will never hit a deer while driving, but if you do, these tips should help you, so you’ll know exactly what to do. If you’re in the Atlanta, GA area, and you need a new insurance company, Rob Hill Insurance Group offers coverage for your area, among others. We pride ourselves on providing high-quality insurance and making the claim process easy. 

How Whole Life Insurance Works

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If you don’t have life insurance yet, it’s time to get it. Life insurance is an important way that you can help those around you after you’re gone. When you have people who depend on you, it’s always necessary to have life insurance. There are two main types of this insurance- whole life and term life. Term life is active for a specific amount of time, and then it expires. Whole life doesn’t work that way. It’s a solid type of insurance that can mean a lot to those you leave behind. When you need life insurance, call us at Rob Hill Insurance Group in Atlanta, GA to find out more. 

Good for Life

Unlike a term policy, a whole life policy doesn’t expire. It will go on for the rest of your life as long as you continue making your premium payments. If you keep paying them, the insurance company can’t cancel your policy. It will be there even if you reach an advanced age. Because these policies cover policyholders into their senior years, this type of policy is more expensive, but many find the peace of mind worth the extra premium costs. 

Cash Value

If you should ever run into a financial emergency where would you turn? If you have a whole life insurance policy, you can turn to the policy. The policy will build up value over time. This becomes an amount that you can borrow against if you have an emergency and need the cash. It takes a few years for this cash value to build into a helpful fund, but it will only keep growing over time. 

Get Life Insurance 

If you’re interested in a whole life policy, call us at Rob Hill Insurance Group in Atlanta, GA to get started with a policy of your own. 

A Short Guide to Keypad Locks for your Home

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A keypad lock offers both modern and convenient home security enhancements. Our team of experts at Rob Hill Insurance Group in Atlanta, GA offers this short guidance with regard to these modern home security options:

Keypad Locks Benefits

A digital keypad lock means you no longer have to deal with the inconvenience of fumbling for keys or worrying about lost keys. It also provides these benefits:

Enhanced Security

Keypad locks can be more difficult to pick when compared to more traditional lock options.  

Temporary Access

Certain keypad models allow temporary codes that can be given to service people or guests.

Integration

Some models have the capacity to integrate with an existing smart home system, so you can use it to monitor and lock/unlock remotely by connecting to your home’s Wi-Fi network.

Choosing the Right Keypad Lock

It is important to select a keypad lock that is easy to use, has a built-in alarm, and is tamper-resistant. In addition, consider the following:

Durability

Select an outdoor model if installed for outdoor purposes.  

Battery Life

The keypad should preferably have a long-lasting battery. At a minimum, it should have power backup options.  

Code Capacity

Make sure your choice can accommodate the number of codes your family needs.

Keypad Usage Tips

It is essential to keep codes private and to routinely update the code as a security measure. In addition,

  • Keep spare batteries available.
  • Keep the keypad clean to avoid it malfunctioning.
  • Consult the manufacturer for steps if you need to reset the lock’s codes.

Keypad locks offer a convenient and secure way to manage home access. For additional information regarding ways to protect your home and family, contact the Rob Hill Insurance Group serving the Atlanta, GA metroplex.

How to Prepare a Teen Driver For Wet or Icy Winter Weather

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At Rob Hill Insurance Group, providing auto insurance policies to residents in the greater Atlanta, GA area, we want to help individuals stay as safe as possible when they are out on the roadways. New teenage drivers are already more susceptible to accidents simply due to their inexperience while driving, but that risk increases when roads are wet or icy.

Here are a few tips on how to prepare a teen driver for wet or icy winter weather:

Education and Practice

Start by educating your teen about the hazards and challenges of driving in wet or icy conditions. Discuss topics such as reduced traction, longer braking distances, and the importance of maintaining a safe following distance. Encourage them to practice driving in adverse weather conditions under your supervision before they face them alone.

Vehicle Maintenance

 Teach your teen about the significance of proper vehicle maintenance. Ensure that the car’s tires are in good condition and properly inflated, as tires play a critical role in maintaining traction on wet or icy surfaces. Also, emphasize the importance of checking the windshield wipers, defrosters, headlights, and brake lights to ensure optimal visibility and functionality.

Slow and Steady

Advise your teen to adjust their driving style to the conditions. Encourage them to drive slower than usual, allowing for increased stopping distances and better control of the vehicle. Emphasize the importance of smooth and gentle inputs when steering, accelerating, and braking to avoid skids or loss of control.

Keep Your Insurance Updated

Having the right insurance is important, as you cannot prevent all accidents from happening. If you are looking for a new insurance policy in the greater Atlanta, GA area, Rob Hill Insurance Group would love to help you. Call us now to get started. 

Why Life Insurance For Business Owners Is Vital

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Safeguarding your business’s future is crucial to keeping your business running. Unexpected events can have a significant impact on a business’s stability. Life insurance plays a vital role in protecting your business’s assets. With our help at Rob Hill Insurance Group, serving the greater Atlanta, GA community, you can create a policy that aligns with your business’s obligations.  

Protecting Your Business’s Financial Future With Life Insurance

Business owners and entrepreneurs face multiple financial risks, and losing a key business partner or employee can leave a business vulnerable. Life insurance is a unique tool that helps manage a business’s financial stake in these challenges. Life insurance provides liquidity during challenging times to ensure your company has the funds to cover immediate expenses and maintain stability.

With proper protection, a company may be able to handle financial obligations, repay debts, or support operations. 

Suppose it causes a significant impact on a business, such as a death of a key employee or business partner. In that case, life insurance can cover financial obligations, repay debts, and facilitate business continuity. Life insurance can also provide funds to fill gaps left by the business partner or employee’s absence. 

When considering a life insurance policy for your business, carefully evaluate coverage options based on your business’s needs, including financial obligations and losing a key employee or partner—factors to consider are business debts, ongoing expenses, and the need for buy-sell agreements. Reviewing your policy is essential to ensure adequate coverage as your business evolves. 

We Are Here To Help

Safeguarding a business’s financial future is essential. Life insurance plays a vital role in protecting a business in unexpected situations. With our expertise at Rob Hill Insurance Group, you can make informed decisions about your business’s coverage options in Atlanta, GA. Don’t risk your business’s future—take proactive steps today to secure its stability with life insurance. 

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