Tips for Changing Unsafe Driving Habits

Everyone thinks they are a great driver but this is simply not the truth for everyone in Gainesville, GA. If people are scared to ride with you or they are constantly telling you to be more careful, then it may be time to take a look at your current driving habits and make a change. Use these tips from Nsure Network to change some of your unsafe driving habits. 

  • Stay off your cell phone. This is the easiest way to drive distracted and when you are behind the wheel, it is the last thing you want to do. That text message really can wait until you are no longer driving. This is also the cause of many accidents these days. If you are guilty of this, it is time to start putting your phone away in a place you cannot reach it every time you drive. 
  • Leave some space in front of you. If you drive really close behind other vehicles, you are putting yourself in danger. You should leave at least one car length of space in front of you for every 10 mph increment. This is because the faster you are going, the longer it takes to come to a stop and you never know when someone is going to put on their brakes. 
  • Always wear your seatbelt. This is not only the law but it is also intended to keep you safe. Even if you hate the way it feels, always wear it because you never know what will happen and you always want that extra protection. 

By becoming a safer driver, you are lessening your risk for an accident. While there is no way to prevent this entirely, you are taking some equations out of the mix. If you need an auto insurance policy to help protect you in case of an accident, be sure to reach out to Nsure Network, serving Gainesville, GA, today.

Getting your home ready for spring

Most people associate spring cleaning with going through their old things to clean out the house and make room for new things. They might sell off the old at a yard sale. The most important spring cleaning you can do for your home though relates to the home itself. Just as you winterized your home, you now need to prepare it for warmer, windier, rainier weather.

  • Check your gutters for damage. Make any needed repairs. Thoroughly clean them. Give them a quick once over after each storm to ensure there is still adequate water and debris flow. A stopped up gutter can lead to water pooling on your roof that causes a leak. That means interior water damage.
  • Trim your yard’s trees and shrubs to make them hardier against strong winds. Remove any dead branches or trees.
  • Inspect your roof. Winter cold, snow and ice can damage shingles. Make repairs immediately so a small leak doesn’t turn into a big hole.
  • Have an HVAC professional inspect your air conditioning system and vents. Make repairs early so you beat the warm weather rush. You’ll also save yourself from your A/C going out in a hot day.
  • Caulk windows and doors. You’ll make your home more comfortable since you won’t be air conditioning your yard through any leaks or holes. You’ll also save money on your electric bills.
  • If you’ve been thinking about landscaping your yard or re-doing a gravel, dirt, or grass driveway, use shredded bark. Shredded bark lends a beautiful, woodsy look to your home and it provides a safer material. Gravel and small rock become damaging, dangerous projectiles in high winds. A windy day with a gravel drive can damage your home’s exterior. Bark provides a natural look, less danger, and absorbs rain water better. 

Protect your home investment and improve its value with these simple tasks. Your spring cleaning can help reduce the number of insurance claims you file, but call us when you need us at the Gainesville, GA, Nsure Network.

How to Prepare for a Teen Driver

As a parent, having your teenager get his or her driver’s license can be an exciting but nerve-wracking time. While it is exciting to see your teen gain independence, it is also scary for parents as an inexperienced teenage driver can also be a dangerous situation. There are certain steps you can take as a parent to make sure you teenager is safe on the roads as well as being well insured in the case of an accident.

If you plan on leasing or buying a car for your teen, it is very important to pick a safe make and model. Not only will a car with built in safety features help keep your teen safe but it will help keep your auto insurance premiums lower. Parents are often shocked to find out how much your premiums will sky rocket if you buy your teen a shiny red sports car or SUV.

In addition, there are some proactive steps you can take to help your teen not only become a smarter and safer driver but could earn you some discounts on your premium. Make sure your teen completes a driver education program as well as a defensive driving course. There are many driving courses in the Gainesville, GA area make sure you reach out to your agent at Nsure Network to confirm that particular course makes you eligible for a discount. Finally, if your teen also earns good grades in school you may be eligible for an additional discount.

Finally, it is important to have serious conversations with your teenager and the responsibility that comes with being on the roads. If you are in the Gainesville, GA area and would like to learn more about talking to your teen about driving, please reach out to the experts Nsure Network.

Homeowners Insurance Tips for First-time Home Buyers

Buying your first home can be a stressful and exciting event. There are many factors to consider when searching for the right home and one of the factors that’s often overlooked is buying homeowner’s insurance. If you have any questions about choosing a policy that meets your needs, you can contact a helpful agent at Nsure Network, which serves the Gainesville, GA area. While you’re still exploring your options before purchasing homeowner’s insurance, there’s a few important tips to keep in mind.

Try to bundle your policies

If you have auto insurance or life insurance, ask your provider if they also offer homeowner’s insurance. By combining multiple insurance policies from the same provider, you’ll get lower rates, and it’ll be easier to manage your policies. Insurance companies are looking to make money, and if they know you’re interested in purchasing multiple policies, they’ll be more likely to give you a discount to earn your business.

Factor your homeowner’s insurance payment into your monthly budget

Most mortgage providers bundle your home insurance premium together with your monthly mortgage payment, along with other costs like property taxes. This is referred to as an escrow account. Make sure that you’re comfortable paying not only the monthly mortgage but also the other monthly expenses you’ll have to cover.

Don’t forget about your possessions

Make a list of the expensive items in your home that you’ll want to be covered, such as appliances, TVs, jewelry, and art. Getting a comprehensive policy protects not only your home but also the items inside. However, some expensive items may require a separate rider. A “rider” is an add-on to a basic insurance policy that helps you create a customized policy that meets your needs. Don’t hesitate to contact the friendly agents at Nsure Network, which serves the Gainesville, GA area, to find out exactly what’s covered and what isn’t coverage under various homeowner’s insurance policies. Taking the time now to make sure you’re properly informed could be extremely beneficial in case something happens to your home and provides peace of mind.

My Tree Fell on My Neighbor’s Car. Now What?

If your tree falls on your neighbor’s car, you may feel terrible and wonder what to do. Should you call your home insurance company or should they call their auto insurance company? Or should you both call? Here is some information you will want to know if you find yourself in this scenario.

Take Lots of Pictures

If you are around when the tree first falls on the vehicle, be sure to document the accident scene well. Take pictures of any damage done to the car and take pictures of the tree. Be sure to document what the weather factors were like and what conditions may have caused the tree to fall down.

Determine Who to File a Claim With

After the tree has fallen, you will want to contact your home insurance company, and your neighbor will likely want to contact their auto insurance company. If they have comprehensive auto insurance, that policy will likely cover the damage to their car. However, in some cases, they may be able to come after your homeowner’s insurance policy for the repairs. If the tree fell over due to weather conditions, such as wind, it is typically deemed an act of god and may not be covered. However, if the tree fell because you were negligent, didn’t properly care for the tree or you knew the tree was in poor condition and should be removed, your homeowner’s insurance may be on the hook for the damage.

Ensuring you have the right insurance coverage in place can help prevent an unexpected accident like the one above from becoming a catastrophic financial loss. If you are in the Gainesville, GA area, Nsure Network can help to ensure you have the right home and auto insurance policies in place to fully cover and protect you against trees falling on your car or your tree falling on a neighbor’s car.

 

Homeowner’s Insurance Essentials in Gainesville, GA

Homeowner’s insurance provides financial protection in the instance of a disaster. Standard policies usually provide coverage for the building’s structure and personal belongings inside. There are three essentials to take into account when purchasing insurance for your home in Gainesville, GA. 

Essential #1: A homeowner’s policy  has two parts

Property coverage provides financial stability when the structure is severely damaged or destroyed. Such assurance pays to repair the building plus the cost of loss for personal possessions inside. Property coverage also provides recompense for living expenses associated with relocation if a home is uninhabitable during repair. 

The second component of a homeowner’s policy is liability coverage. Such indemnity constituent relieves the holder from a financial burden if a family member or friend hurts himself on the property. Liability insurance prevents the injured party from suing the homeowner for damages so long as the property’s coverage is for at least eighty percent of the home’s value. 

Essential #2: Replacement cost coverage matters

Replacement cost coverage is typically included in the stipulations of a standard policy. The provision allows for payment for damage or loss of personal belongings up to the insurance policy’s limits minus depreciation. A payout from the indemnity company for a computer destroyed by a house fire is an example of replacement cost coverage at work. A homeowner receiving a check for a refrigerator ripped to shreds by a tornado could be another instance of replacement cost at its finest.

Essential #3: A standard policy does not insure every case of disaster

Having homeowner’s insurance in Gainesville, GA does not mean that you are financially secure in the instance of a natural disaster. Some indemnity companies do not provide standard coverage for damages floods, earthquakes, and tornadoes. You will need to purchase upgrades to ensure stability. Contact Nsure Network to learn more today.

5 Easy Ways to Give Your Home a Makeover

Do you want to update the look of your home in Gainesville GA but avoid spending a small fortune? If so, you may be interested in learning about some effective, yet affordable ways to improve your home’s aesthetics. Here you will find five ways to do this. 

1.  Paint the Interior and Exterior 
One of the easiest and most effective ways to freshen up the look of your home is to paint the interior or exterior. This is a job you can do yourself, or one you can hire the professionals to help with. Take some time to choose colors you like, which can help transform the entire space.

2.  Purchase New Artwork
Do your walls seem drab and boring? If so, considering buying some new artwork. This doesn’t mean you have to spend a ton of money, there are likely some local artists in your area that can help ensure you get the look you want. 

3.  Utilize Area Rugs
If your flooring is damaged, dirty, or otherwise unappealing, but you don’t have the money to replace it, then consider using area rugs. You can put these all around your home to hide what is underneath. Also, this is much more affordable than replacing the flooring. 

4.  Purchase New Curtains 
You can’t leave your windows undressed if you want to create a warm and welcoming atmosphere in your home. Updating your window coverings will allow you to change the look of the space. 

5.  Eliminate Clutter
This is a step that costs you nothing. When you get rid of unused or unwanted items, you can freshen up the look of your home. You may also be able to sell the old items which lets you make a few extra bucks along the way. 
Once you have updated the look of your home, make sure you protect it with sufficient insurance coverage.

If you need to purchase homeowner’s insurance contact Nsure Network in Gainesville, GA to learn how you can protect your home, before or after a makeover.  At Nsure Network, we will help you find the best homeowner’s insurance policy to fit your needs.  

5 Things Every Homeowner Should Do to Prepare for Fall

The start of fall means different things to different people.  It may signify football season or time to decorate with pumpkins and gourds.  And for most, it is a time to welcome in the cooler weather.  But regardless of what you enjoy most about fall, this is also time to prepare your home for the seasonal changes.  At Nsure Network serving Gainesville, GA, we recommend these five things to prepare for fall.

#1: Check furnaces and smoke detectors.  Have your furnace serviced and carbon monoxide levels checked and make sure that all smoke detectors are in good working order.

#2: Clean the Chimney and Fireplace.  This area is another place where carbon monoxide needs to be checked.  Also, have the fireplace cleaned so that it is ready to go for your first fall fire. 

#3:  Clear Debris from Gutters and Roof.  Leaves, branches, and other debris can collect on roofs and in gutters.  Make it a part of your routine to clear these areas in order to maintain proper drainage and runoff when it rains.

#4: Tackle Any Major Outdoor Projects While the Weather is Nice.  Take advantage of the cooler weather and complete those projects such as cleaning out the garage or building that storage shed you’ve been meaning to work on.

#5:  Winterize Your Yard and Flowerbeds.  Fertilize the lawn in preparation for the colder months.  Also, a layer of mulch will help protect your plants as the weather cools down.

Planning and preparation help protect your biggest investment, your home.  It is also important that you have a homeowners insurance policy that fits your needs.  At Nsure Network, serving Gainesville, GA, our agents will work with you to find the right policy for your home.

Why Do Consultants Need Commercial Insurance Too?

Becoming a consultant is a great way to leverage your experience and education and use it to become an in-demand freelancer. If you’re just starting your career as an independent marketing, business, or management consultant, don’t forget that you should carry commercial insurance from Nsure Network. Not sure why? Learn how commercial insurance protects freelancers like consultants in case something goes wrong.

Why is Commercial Insurance Essential?

Even though you’re working as a freelancer rather than an employee for a company, you’re still responsibility for the results of your work. For example, marketing can be fraught with regulations set by the FCC and other organizations. If your advice causes the company hiring you to lose money or become embroiled in a lawsuit, you could end up being held partially or fully responsible for the mistake.

What Kind of Insurance is Best For Consultants?

Of course, there’s no need for most consultants to carry the same commercial insurance that a retail store or car manufacturer might need. Freelancers like consultants primarily need professional liability insurance, which is also called errors and omissions coverage. As the name suggests, this kind of insurance policy protects you in case you make a mistake while doing your job. If your mistake hurts your client’s profit margin or reputation and they want compensation, the insurance policy will pay out so you don’t lose your hard-earned income.

Professional liability insurance should be tailored to the exact industry that you’re consulting in or you could end up overpaying in the long run or get stuck with insufficient coverage. Make an appointment with us here at Nsure Network to discuss the fine details. We’ll help you choose the right amount of insurance coverage to make sure you and your work are always protected.

Why You Should Never Go a Day Without Homeowner’s Insurance

You may think that homeowner’s insurance is the one thing that you can go without, but you could not be further from the truth. Here are four reasons why all residents in Gainesville, GA, should have property assurance.

Disaster Lurks at Every Crook and Turn

A town such as Gainesville is one with the rivers and trees, which means that it is only a matter of time before natural disaster strikes. Homeowner’s insurance with added protection against flooding spares you the heartache of having to come out of pocket for repair efforts. Paying a small amount every month could serve as your cushion when tragedy strikes. 

Mortgage Companies Require Coverage

Very few financial institutions will let borrowers forgo assurance in hopes of them having enough money in the bank to cover life’s occurrences. The average mortgage company mandates homeowners to obtain insurance policies that can pay for damages caused by accidents such as explosion and theft. Banks typically give borrowers the option of purchasing additional insurance that covers all forms of natural disaster, but such recourse is more of a necessity in Gainesville, GA. 

Lawsuits are Sporadic

One day your cousin is the beloved one and the next day he is the evil family member taking you to small claims court for medical bills incurred after he fell on your property. You always think that nothing of the sort will happen to you, but the truth is that the future is unknown. Having homeowner’s insurance protects your assets in the instance of an unexpected injury and subsequent lawsuit. Your assurance company will pay for losses in the case of the plaintiff being the victor so that you can focus on other things in life. 

Relocation is Not Free

You may be one of the few with enough money saved to rebuild your home in the instance of fire or natural disaster, but do you also have enough to pay for relocation expenses? A good homeowner’s insurance plan funds hotel costs in Gainesville, GA, and beyond in addition to paying construction fees. 

You Cannot Go Without Assurance in Gainesville, GA

While it may be tempting to live on the dark side of no homeowner’s insurance, the wise thing would be for you to maintain a good policy. You never know when disaster will strike so you must always be financially prepared.