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1030 US Hwy 80 W, Unit 723
Pooler, GA 31322

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Safe Driving Tips for Summer

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Summer has arrived in Pooler, GA and it’s time for some fun in the sun. But before you do, it’s important to remember that summer driving can present some unique challenges. To help ensure your safety and the safety of others, Covenant Insurance has compiled a list of safe driving tips for summer.

Safe Driving Tips for Summer

Keep Your Vehicle Maintained:

Before you hit the road, make sure your vehicle is in top condition. Check your brakes, tires, oil, and coolant levels, and replace any worn or damaged parts. Also, check your windshield wipers and replace them if necessary. A well-maintained vehicle is less likely to break down or cause an accident.

Wear Your Seatbelt:

Always wear your seatbelt no matter how short the trip. Make sure all passengers in your vehicle are properly secured, too. Seatbelts are the single most effective way to reduce injuries and fatalities in car crashes.

Avoid Distracted Driving:

Texting, using your phone, or eating while driving can all take your attention away from the road. When you’re behind the wheel, focus on driving and nothing else. If you must use your phone, pull over to a safe location or ask a passenger to make the call or send the text.

Observe Speed Limits:

Summer driving can be frustrating with increased traffic congestion, but following posted speed limits is important. Speeding reduces your reaction time and ability to control your vehicle. 

Keep Your Insurance Updated

Summer is a time for fun and relaxation, but it’s important to remember that safe driving should always be a priority. By following these safe driving tips, you can help ensure your own safety and the safety of others on the road. Covenant Insurance wishes all of our Pooler, GA clients a safe and enjoyable summer!

How commercial insurance can save your small business

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Owning a small business comes with many risks. Data shows that almost half of all businesses will fail within the first five years and by the time you get to 10 years, the number is up to 75%. In order to give your small business the best chance of making it, you need to have the right commercial insurance to protect it. At Covenant Insurance in Pooler, GA we want you to succeed, and we will do everything we can to help you to protect your business. 

Why Commercial Insurance?

Commercial property insurance

Commercial property insurance is a very valuable type of coverage. It not only protects the building, it protects the content. This means even if you don’t own the building, this coverage is for you. It will help to replace all the things you need to do business. Your machinery, inventory, office equipment, raw materials, display units, tools, and a lot more will all be covered. It will allow you to get back to doing business much quicker. 

Commercial liability insurance

Small businesses get sued, it is a fact. You can expect it to happen to your business and if you do not have adequate coverage you could be forced out of business. Commercial liability insurance will pay the judgment and legal fees to help you get back to doing what you do best. 

Workers compensation insurance

If you have three or more employees, whether they are full or part-time, or seasonal, they need to be covered by workers’ compensation insurance. This is good for you as a small business and also good for your employees. If one of your employees is hurt on the job, they will be covered by medical care. 

Reach Out To Us!

Contact Covenant Insurance in Pooler, GA and let us help you to protect your small business with the right commercial insurance. 

Four things you’ll like about having renters insurance

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Renters insurance is important if you want to avoid high expenses while living in a rented property. Come to Covenant Insurance to get the renters insurance that you need in Pooler, GA.

The following are four things that you’re going to like about having renters insurance:

Renters insurance covers your personal belongings. 

You can get coverage for personal belongings with your renters insurance. This coverage covers the value of not only belongings in your rental unit but also belongings in your vehicle. 

Renters insurance is ideal when you need to find alternate lodging. 

You might at some point need to find a place to live temporarily after the unit you rent has become destroyed or while the unit you rent is being repaired. In this case, your renters insurance will pay to put you in a hotel. 

Renters insurance gives you liability coverage.

The liability coverage that renters insurance offers can be one of the best things about this type of coverage. This coverage will pay for legal representation and other expenses that result from a lawsuit against you that results from an incident that occurs in your rental unit. 

Carrying renters insurance can give you more options when you’re looking for a rental home. 

Some companies that rent out apartments and other types of rental properties require their renters to carry insurance. This means that having renters insurance may give you more options when you’re looking for a home to rent. 

We Would Love To Help!

You should learn as much as you can about renters insurance and explore your policy options before buying renters insurance. If you have questions about renters insurance, we can answer them at Covenant Insurance. Get in touch with us today for a quote on renters insurance in Pooler, GA. 

Three things you shouldn’t assume about your RV insurance needs

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Meeting your RV insurance needs with adequate coverage is important. You don’t want to make assumptions you shouldn’t about RV insurance that could lead to poor decisions regarding RV coverage. If you’re looking for information about RV insurance coverage in Pooler, GA, you can get the information you need from Covenant Insurance. 

The following are three things you shouldn’t assume about RV insurance:

You have to pay more to insure your RV than you do to insure your automobile.

It’s not true that RV insurance costs more than auto insurance. Actually, RV insurance premiums tend to be less expensive on average than auto insurance premiums. 

If you’re quoted a premium for an RV insurance policy that’s more expensive than what you pay for auto insurance, it’s a good idea to shop around. 

Your RV insurance policy will reimburse you for any damage to property within your RV.

Most RV insurance policies do provide some coverage for personal property damage. However, your property in your RV will only be covered up to a certain amount. 

If you keep especially valuable items in your RV, you might want to increase your personal property coverage maximums on your policy to make sure that your valuable belongings are completely covered. 

Every RV insurance policy offers roadside assistance to the policyholder. 

You need to look at the fine print of your policy before assuming that it includes roadside assistance. While a lot of RV insurance policies do offer roadside assistance, not all of them do unless you add on this type of coverage. 

Reach Out To Us

Learn more about RV insurance by calling us at Covenant Insurance. We’ll give you a quote on an insurance policy for your RV in Pooler, GA. Call us today!

How to Stay Safe with a Motorcycle

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At Covenant Insurance, serving the greater Pooler, GA community, we provide motorcycle insurance to our clients. We provide tips that will help you stay safe on the road while you are driving your motorcycle. 

Riding a motorcycle is adventurous and exhilarating but can also be dangerous. Drivers frequently don’t see motorcyclists, which increases the risk of getting in an accident.

You can take several steps to ensure your safety on the road:

Do a safety check

Before you even start riding, you must check that everything on your motorcycle is working well. Check the breaks, lights, mirrors, throttle, and everything else. If something isn’t feeling quite right, don’t ignore that feeling. Don’t ride if something doesn’t feel right or isn’t working quite right. It might be small, but it could be the difference between arriving at your destination safely and getting into a bad accident.

Stay sober

Riding a motorcycle takes a lot of focus and mental energy. It is crucial to make sure that you are sober. Riding under the influence of alcohol makes it riskier, and you are more likely to get into a life-ending accident.

Make sure you are well-rested

As mentioned above, riding takes a lot of mental energy and focus. With that in mind, you should get a good night’s sleep so that you are well-rested before your ride. If you try to ride after already being tired, you are more susceptible to having poor judgment that could result in a bad accident.

Drive defensively

Unfortunately, even if you take all those precautions, motorcycle riders are often invisible to drivers. It is important to drive defensively to minimize that. Pretend you are invisible and ride as if nobody can see you. Whenever possible, stay out of the potential blind spots, and give plenty of time for signaling.

Get Coverage For Your Motorcycle

Here at Covenant Insurance, we provide insurance for your motorcycle. If you need motorcycle insurance, contact us in Pooler, GA.

How to prepare your boat for a storm

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Covenant Insurance has been serving the Pooler, GA area residents with all their insurance needs, including coverage for their watercrafts. Preparing your boat for a storm can be an important step in ensuring that it survives the worst weather conditions.

When preparing your boat, there are several things to consider, including:

1. Ensure that all of the necessary tools and equipment are on board before you set out. This may include things like extra fenders, life jackets, or other safety gear, as well as ropes and anchors for securing the boat.

2. Inspect your boat for any damage or wear and tear before you leave the port. This will allow you to make any necessary repairs or replacements before you get caught in bad weather conditions. Some things to look out for include leaks, missing parts, or damaged sails or moorings.

3. Make sure that your boat is properly secured before you set out. This may include things like securing all of your belongings, ensuring that the cover is tightly fastened, and keeping extra lines close at hand.

4. Time your departure so that you leave port well before any bad weather hits. This will give you more time to react if something goes wrong and will help ensure that you are not caught in a dangerous situation once the storm begins.

5. Re-inspect your boat for damage or wear after the storm has passed, just to be on the safe side. If there have been any significant changes in conditions, such as large waves or high winds, then it may be worth bringing in a professional to inspect your boat for any damage.

Get Coverage For Your Boat

Taking the time to prepare your boat for a storm is a crucial step in making sure that it survives unscathed. Ensure that your boat insurance has been updated to meet your needs For more tips to care for your boat, call Covenant Insurance today. We proudly serve the Pooler, GA area. 

Are there any exceptions that umbrella insurance won’t cover?

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Umbrella insurance is an additional layer of protection that can be added to your home and auto insurance policies in Pooler, GA.  But what does umbrella insurance actually cover? Are there any exceptions to what it covers?  Covenant Insurance has answers to all your insurance questions.

What Does Umbrella Insurance Cover?

Umbrella insurance covers you for liability claims that exceed the coverage limits of your home and auto insurance policies. If you are sued or held liable for an accident beyond what your auto or home insurance policy covers, umbrella insurance kicks to help protect your assets, including your home, savings, and investment portfolio. For example, if you are held responsible for $150,000 in damages for a car accident, your auto insurance only pays $100,000. Umbrella insurance would help with the additional $50,000.

Umbrella insurance can also cover you for certain claims that are not covered by your home and auto insurance policies. For example, umbrella insurance can provide defamation, libel, and slander coverage. It can also provide coverage for certain intentional acts that result in bodily injury or property damage. 

Are There Any Exceptions? 

Umbrella insurance is a great way to get extra protection against liability claims. However, there are some exceptions to what umbrella insurance covers, such as business-related claims and claims arising from illegal activities. Additionally, umbrella insurance typically has lower coverage limits for certain types of claims, such as workplace injuries or car accidents involving uninsured or underinsured motorists. But overall, umbrella insurance is valuable to your home and auto insurance policies.

Contact Us Today

If you are in Pooler, GA community, contact Covenant Insurance today, and we can answer any questions you have about umbrella insurance. We are here to help.

Protect your home with a comprehensive flood insurance policy

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If you own a home in Pooler, GA or the surrounding area, you can count on the team at Covenant Insurance. We are here to help you protect your home and belongings. Come by our office or give us a call to learn more about the many benefits of flood insurance in our area.

Benefits of flood insurance in our area

Many homeowners’ policies lack protection for damage caused by floods and flood water. Even if your home is located outside of a flood zone, having a flood insurance policy that’s separate from your home policy is often a good idea. 

If your home is damaged by a flood and that damage isn’t covered by your homeowner’s policy, it can become your financial responsibility to repair the damage. 

Water damage of any type is costly to repair, and this is doubly true for damage that is caused by a flood. When you have a flood policy in place, the repair process can be a lot less stressful. Of course, if you do live in a flood zone, or if your lender requires you to carry a flood policy on your house, we can also help in those instances as well. 

If you aren’t sure if you need a flood insurance policy, we can help you make that determination. There are many areas in our region that are outside of a flood zone where regular flooding occurs every time there’s a big storm.

You can count on us!

Covenant Insurance is here to serve the insurance needs of residents in the greater Pooler, GA area. If you think that you may benefit from adding a flood insurance policy to supplement your homeowner’s insurance, give us a call or stop by today!

Why do you need condo insurance in Georgia?

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When you are a resident in the Pooler, GA area, it would be a good idea for you to invest in your future and own your own home. A great housing option for many here is to purchase a condo. If you choose to purchase a condo, getting a condo insurance plan continues to be a necessity and should be a top priority.

This coverage is necessary for various reasons

Stay in Good Standing

A good reason for you to have a condo insurance plan is so you can remain in good standing with any obligations. If you are going to purchase a condo in Georgia, you need to make sure that you know your obligations when it comes to your home association and any mortgage you take out. In most cases, this will require you to maintain a full condo insurance plan at all times. With this coverage, you can meet those agreement requirements. 

Protect Yourself and Assets

It is also helpful to have condo insurance so you can protect yourself and your assets. Those that are going to purchase any type of condo will be making a big investment and they will also have personal items stored within it. At the same time, you will take on liability risk. If you maintain condo insurance at all times, you can protect yourself and your assets. 

Get Coverage For Your Condo 

It is a very important responsibility to carry a condo insurance plan if you own a condo in the Pooler, GA area. Once you are ready to start looking for coverage, you can call the team with Covenant Insurance. The teams with Covenant Insurance offer the support necessary to build a condo insurance plan that will meet your needs and keep you in good standing moving forward. 

How Frequently Should You Reassess Your Current Life Insurance Policy?

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Covenant Insurance, serving the greater Pooler, GA area, can help you with all of your life insurance needs. One of the misconceptions that we often hear people say pertaining to life insurance is that once you have a policy, you never need to worry about it again. However, your life can change and your current life insurance policy may no longer meet your needs and may need to be increased or decreased. This may leave you wondering how frequently you should reassess your life insurance policy. 

Here are some times when to reassess your life insurance:

After a Major Life Change

Major life changes should cause you to sit back and reassess your life insurance policy and determine if your current policy meets your needs. Major life changes include getting married, having a new child, or purchasing a new home. Your life insurance policy will likely need to increase after these changes, as you want to ensure your family is protected in the event you unexpectedly pass away, and that there is enough money to financially cover your family. 

When Your Income Drastically Changes

Another time when you will want to reassess your current life insurance policy is when your income changes. If your income goes up significantly or decreases significantly, you may need to take another look at your life insurance policy. Many people lower their coverage amount once they retire or increase it once they make more money. 

Give Us A Call

Your current life insurance may not work for you throughout the course of your life. Your life may change and you may find that you need to increase or decrease your life insurance policy based on those major changes in your life. Here at Covenant Insurance, we can help residents in the greater Pooler, GA area get the life insurance policies they need. Reach out to us today to get started. 

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