One of the things that home insurance does is help to cover you in case someone is injured on your property and files a personal injury case against you. However, there are steps you can take to minimize the chances of it happening. Here at Rob Hill Insurance Group, providing home insurance in the greater Atlanta, GA area, we want to provide you with tips that can help you keep your concrete surfaces free of debris to help prevent slip and fall accidents.
Keep reading to learn more about these tips:
Get Your Trees Trimmed Regularly
One of the best ways to reduce the amount of debris on your concrete surfaces is to regularly have your trees trimmed. This helps to minimize leaves, sticks, and other debris that can become a tripping hazard.
Take the Time to Sweep Away Debris
Another thing that you should do is to take the time to regularly sweep debris from your concrete surfaces. Use a push broom to remove leaves, rocks, and other hazards that may make your walkways and surfaces unsafe.
Inspect Your Concrete Surfaces
Finally, take the time to inspect your concrete surfaces at least once a month. If you see algae growing, remove the algae to prevent someone from slipping. If you notice your concrete is raised, hire a concrete professional to level out your concrete to prevent someone from tripping.
Contact Us Today
Your concrete surfaces, such as walkways, driveways, and patios, can be a trip-and-fall hazard, but there are things you can do to help keep your concrete surfaces safe. If the unexpected does happen, you want to have the right home insurance policy to cover you. Here at Rob Hill Insurance Group, serving the greater Atlanta, GA area, our team can help you with all of your home insurance needs. Reach out to us to get started.
Sometimes you just need to be away from home. Whether for work or for pleasure, it doesn’t matter. While you are away, your home will be alone and that is never a good thing. At Rob Hill Insurance Group in Atlanta, GA we count on word of mouth to get new customers and by giving our customers exceptional personalized service, we know that they will tell their friends and family about us.
Protecting your home while you are away
Get a house sitter
The best thing to do when you are going to be away is to have a house sitter. That isn’t always possible, but if you can find someone, it’s a great way to keep your home safe.
Leave a car in your driveway
When a car is in your driveway, it gives the impression that someone is at home. Sometimes that alone will be enough to discourage anyone who might be considering breaking into your home.
Have lights on timers
Buy several timers and set lamps to go on and off in different rooms of your home. This makes it seem as if someone is at the home.
Stop your mail
You can go right onto the United States Post Office website and request that your mail be held. Always do it at least one day in advance to make sure they actually stop it.
Don’t announce your plans on social media
Don’t talk about being away on social media. You never know who might see the information and what they might do with it.
Set your alarm
The last thing to do before you leave is to arm your alarm. It might seem obvious but in the chaos of departure, it can be forgotten.
Give Us A Call
Contact Rob Hill Insurance Group in Atlanta, GA when you need a home policy review or have questions. We will provide a free no-obligation quote.
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.
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.
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.
You can learn more information about home insurance in Georgia by contacting Rob Hill Insurance Group in Atlanta, GA today!
One of the most valuable things a homeowner can have is insurance to protect their property in the event of unexpected damage, or worse.
Owning a home in Atlanta, GA is a big accomplishment for many families. As one of the fastest-growing metro cities in the country, Atlanta attracts more people every year and the demand for homes understandably rises with the population growth.
If you’re in the surrounding Atlanta, GA area and are looking for protection of full coverage home insurance, Rob Hill Insurance Group can more than meet your needs and provide the peace of mind in knowing that your property and your family are protected.
How Home Insurance Can Protect You
While most lenders require home insurance in their mortgage agreements, home insurance is a necessity to protect the financial security of homeowners.
Buying a home is a wise investment decision, and it’s one that should be protected as much as possible. Investments are a solid financial move for your long-term security, but they can involve some risk. If there is a way to protect yourself from those risks, wouldn’t you? That’s what home insurance can offer you.
The coverage will vary from homeowner, property, and individual needs, so you should make sure you’re working with an insurance expert when you select a plan.
If you’re in the Atlanta, GA area and are seeking advice about home insurance and your options for coverage, don’t hesitate to reach out to the experts at Rob Hill Insurance Group. We’re here to help answer your questions and provide support and peace of mind that your biggest investments are well protected and fully covered from whatever life may throw your way. Reach out to us today.
If you own a house in Atlanta, GA, you understand that home insurance is worthwhile. But do you know whether you have adequate home insurance coverage? Purchasing enough home insurance ensures that you don’t incur out-of-pocket expenses when the unthinkable strikes. If you are unsure whether you are carrying the right amount of home insurance coverage, read on as Rob Hill Insurance Group provides a guide.
Understand the difference between replacement cost and actual value
When a covered peril destroys your home, your insurance company compensates you with either the replacement cost or actual value. What’s the difference between the two? The actual value is the value of your house less depreciation. This amount doesn’t cover the cost of your house fully. The replacement cost is more ideal since it repairs or rebuilds your home to its prior state, regardless of your house’s actual value.
Get to know your local building costs.
The essence of purchasing home insurance is to have your house repaired or rebuilt when damage occurs. To that end, you need to research how much it would cost to rebuild your home to its current state in case of total loss. This way, you will update your home insurance policy with the correct value for your home.
How do you use your house and who uses it
Do you throw parties in your house? Do you have pets like dangerous dogs in your home? The answer to these questions will determine if you need to increase your liability coverage. If the chance of causing property damage or bodily injury to neighbors is high, you need to increase your home liability coverage or consider umbrella insurance.
Home insurance in Georgia
Home insurance needs differ from one person to another. Since there is no one-size-fits-all home insurance plan, at Rob Hill Insurance Group, we customize home insurance plans to fit various needs. Contact us today for a quote.
The Atlanta, GA area is one of the largest and fastest-growing metro areas in the country. Along with this growth, Atlanta continues to be a good place to own a home. If you want to buy a property when you are here, it would be a good idea to invest in a home insurance plan. There are a few reasons that you will need to have this coverage here.
Coverage is Required Under Mortgage Agreement
A lot of people in this area of Georgia will need to get a home insurance plan because it is required under their mortgage agreement. Anyone who has taken out a mortgage to buy their home will agree to various rules and requirements. One of these is a requirement to maintain proper insurance on their property. Many lenders will even require that you escrow for payments each month.
Coverage Protects Owners
You will also want to get a home insurance plan because it will give property owners great coverage. If you are going to buy a property, you will be making a big investment. Further, you will be taking on some additional personal liability risk. The best way to protect this asset and mitigate liability risk is by getting home insurance, as it offers protection to offset these concerns.
Getting a proper home insurance plan in the Atlanta, GA area is significant. As you are looking for a new policy in the area, calling the Rob Hill Insurance Group is a good idea. The professionals with the Rob Hill Insurance Group understand how valuable and important this coverage can be. The team can help you assess your needs and build a plan that works for your situation.
When it comes to personal possessions, the insurance question can be a confusing one. You likely know of people who individually insure their engagement ring or a piece of artwork. But should they need to do this if they have a home insurance policy? We’ll look at the types of possessions covered in Atlanta, GA, and what you can do to make sure that you have the best policy for you.
The Coverage Depends on Your Policy
Every policy is different, based on everything from the state you live into the carrier you choose. This is why it’s so important never to make assumptions about your terms. If you finance your home, you’re required to cover the structure and grounds, but not your personal possessions. So if you set your policy up a decade ago and haven’t made any changes since, it’s possible you don’t have any coverage at all.
Different Schools of Thought
If you do have possession coverage, the major items are usually covered. This includes anything from your furniture to your electronics and clothes. However, the actual reimbursement will be different depending on who you choose to partner with. For example, you might only have a fraction of the original value covered. You also will have limits imposed on the total amount covered. This means that if you’ve recently made a big purchase, you may need to update your coverage terms.
Call Rob Hill Insurance Group
Our team is here to help the people of Atlanta, GA get answers to their questions. If you want to ask about your vintage lunchbox collection or brand new flat-screen TV, we’re here to start a conversation. Contact Rob Hill Insurance Group today to find out more.