Motorhome Insurance
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Travel Trailers
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Golf Carts
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Vacant Home
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Builders Risk Insurance
Builders risk insurance may help provide coverage for buildings under construction. This specialized coverage, also called course of construction insurance, can provide the backbone of your risk management program.
Contact us today to learn more about properly insuring your construction project.
Who Needs Builders Risk Insurance?
Companies and individuals with a financial interest in a construction project often rely on builders risk insurance to help protect structures and buildings under construction. A builders risk policy may help financially protect materials and supplies, equipment in transit or on-site, and the structures being built.
Insured entities may include the following:
- Lenders
- Architects
- Subcontractors
- Property owners
- General contractors
What Coverage Does Builders Risk Insurance Provide?
Builders risk coverage may help protect a construction project from specific types of property damage. It may also help cover certain expenses not directly related to the construction project when property damage causes delays, including the following:
- Real estate taxes
- Additional loan interest
- Lost sales
- Rental income
It’s crucial to consider the risks and exposures of your project at each phase of construction. Depending on your needs, your agent may recommend that you purchase broad protection, or they may customize your policy for specific risks.
Builders risk coverage is typically temporary, so your agent will help you understand when your coverage begins and ends. Your policy may provide coverage until one of the following:
- The policy expires or is canceled.
- The building is put to use.
- The building is occupied.
Typical builders risk insurance policies may include exclusions for wear and tear, mechanical breakdowns, damage due to faulty design, and employee theft. Talk with your agent to understand exactly how your coverage works.
How to Find the Right Builders Risk Insurance Policy
Working with an experienced agent to find appropriate builders risk insurance is essential to get the coverage you need at a great rate.
Contact us today to start building your customized insurance plan and get a personalized quote.
Watercraft & Boat Insurance
Having the right boat insurance policy for your watercraft can be an excellent way to protect yourself from costs related to property damage and medical expenses if an injury occurs. Our agency can assist you in learning more about your coverage options so you can be financially protected.
What Does Boat Insurance Cover?
Boat insurance policies generally depend on the type of coverage you select. Regardless, common boat insurance coverages include:
- Liability coverage helps cover expenses if your boat causes damage to another person’s property.
- Medical payments coverage helps cover medical expenses if you or a passenger gets injured on your boat.
- Boat insurance property coverage helps protect your boat from various risks and potential incidents by covering costs related to incidents such as theft or vandalism.
- Uninsured watercraft coverage helps cover expenses if an uninsured boater collides with you and causes injury to you or your passengers.
Other coverage options may be available. Our agency can help you learn about potential coverages to include in your boat insurance policy.
How to Get Boat Insurance
Appletree Insurance is ready to help you learn more about boat insurance. Contact us today to request a quote or to learn more.
Servicing Peachtree City, Fayetteville, Senoia, Sharpsburg, Newnan, Lagrange, McDonough, Griffin, Atlanta, and all of Georgia.
Recreational Vehicle Insurance in Peachtree City, GA
If you have any type of recreational vehicle, including a motorcycle, RV, boat, or off-road vehicle (e.g., all-terrain vehicle (ATC) or snowmobile), you’ll need to secure additional insurance to properly protect your investment. Determining what and how much coverage you need can be tricky, but that’s why we’re here to help. Contact us today to get started.
What Is Recreational Vehicle Insurance?
Recreational vehicle insurance is a general term that refers to a variety of policies used to insure vehicles such as boats, motorcycles, RVs, ATVs and travel trailers. Each policy provides unique coverage. Talk to your agent today to discuss specific coverage you may need for your recreational vehicle.
What Does Recreational Vehicle Insurance Cover?
Recreational vehicle insurance helps provide a layer of protection against liability and property damages. Recreational vehicle insurance varies based on the type of vehicle you have. Talk to your agent to learn more about targeted coverage for:
- Boat and watercraft
- Off-road vehicles (e.g., ATVs, golf carts, and snowmobiles)
- Campers
- Motor homes
- Travel trailers
Is Recreational Vehicle Insurance Required?
Depending on the type of recreational vehicle you own and where you live, you may be legally required to obtain insurance for your vehicle. For example, most RV and motorcycle owners must secure at least the minimum auto insurance required of all drivers in their state of residence.
How to Get Recreational Vehicle Insurance
If you’re in need of a recreational vehicle insurance policy, we’re here to help. Contact Appletree Insurance today to learn more or receive a free quote.
Servicing Peachtree City, Fayetteville, Senoia, Sharpsburg, Newnan, Lagrange, McDonough, Griffin, Atlanta, and all of Georgia.
Renters Insurance
Renters insurance can provide you with needed financial protection against adverse circumstances, whether it’s covering your personal belongings in case of damage or ensuring you’re protected if someone is injured in your residence. If you need renters insurance, we’re here to help. Contact us today to learn more about your renters insurance options or to get a quote.
What Is Renters Insurance?
Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.
- Property protection—Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more additional property protection options, such as flood and earthquake insurance and scheduled items riders.
- Liability protection— The liability portion of a renters insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.
Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm or other covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.
How to Get Renters Insurance
Whether you call a rented house, condo or apartment your home, you can benefit from renters insurance. Call us today to learn more about renters insurance or to get a no-obligation quote.
Servicing Peachtree City, Fayetteville, Senoia, Sharpsburg, Newnan, Lagrange, McDonough, Griffin, Atlanta, and all of Georgia.
Life Insurance in Peachtree City, GA
Life insurance can help provide financial security for you or your loved ones by replacing lost income and covering various expenses after your death or when the policy’s term is up. If you’re looking for life insurance, we’re here to help. Our agency is ready to discuss your life insurance needs and help find a policy that’s right for you.
What Is Life Insurance?
Life insurance is a contractual agreement between you (the policyholder) and the insurance company. In exchange for paying the insurer a regular premium, your beneficiaries will receive a lump-sum death benefit when you pass away or after a specific amount of time has passed.
What Are the Types of Life Insurance?
There are two primary types of life insurance, including:
- Term life insurance—A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, the policy does not pay and will expire when the term ends. You will also have to reapply for a new policy if you want to continue to have coverage.
- Whole life insurance—A whole life policy will last for the remainder of your life once you enroll. It will not expire unless you stop paying for it. Additionally, such a policy offers cash value investment opportunities. This cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).
Several other types of life insurance also exist. Speak to one of our agents to determine which type of coverage suits your particular needs.
How to Get Life Insurance
If you’re in need of a life insurance policy, we’re here to help. Give Appletree Insurance a call or request a quote online to get started.
Servicing Peachtree City, Fayetteville, Senoia, Sharpsburg, Newnan, Lagrange, McDonough, Griffin, Atlanta, and all of Georgia.
Homeowners Insurance in Peachtree City, GA
A standard homeowners insurance policy insures the home itself and the things you keep inside. By having homeowners insurance, you can financially protect yourself if there’s an accident. Contact our agency today to learn more about homeowners insurance or to get a no-obligation quote.
What Is Homeowners Insurance?
Home insurance is a package policy, which means that it covers damage to your property after a covered loss and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. There are usually additional coverages or endorsements, also called riders, that you can add to the standard coverages provided by home insurance to ensure adequate protection.
Do I Need Homeowners Insurance?
While purchasing a home insurance policy may not be mandated by the federal, state or local government, your lender may require proof of home insurance if you have a mortgage. Carrying appropriate homeowners insurance is always a good idea as the policy can help financially protect you if you experience a covered accident or other loss. Without home insurance, you may be left to cover the replacement or repair costs on your own following an incident.
How to Get Homeowners Insurance
If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give Appletree Insurance a call today to get started or request your free quote now.