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Pooler, GA 31322

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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. 

Why Is Having Auto Insurance Important?

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When it comes to having a car, there are many responsibilities that come with it. One of the most important is ensuring you have auto insurance. This is not only required by law in many states but also essential for your protection. Here we discuss why having auto insurance is so important.

Auto Insurance: Why You Need This Coverage

It Covers You After an Accident

One of the most important reasons to have auto insurance is that it’ll cover you after an accident. This coverage can help pay for things like medical bills, repairs to your car, and even lost wages if you are unable to work. Without insurance, you would be responsible for all of these costs yourself, which could quickly become overwhelming.

Accidents can happen anytime, anywhere. Even the most careful drivers can find themselves involved in a collision. Auto insurance from a reputable company such as Covenant Insurance in Pooler, GA can help pay for repairs to your car and medical bills if you’re injured in an accident. It can also help replace your income if you can’t work because of your injuries.

It Protects You From Liability

Another vital reason to have auto insurance is that it protects you from liability if you are involved in an accident. This means that if you are found to be at fault for an accident, your insurance will cover the costs of any damages or injuries. Without insurance, you could be held personally responsible for these costs, which could quickly ruin you financially.

It Gives You Peace of Mind

Perhaps the most crucial reason to have auto insurance is that it gives you peace of mind. Knowing you are covered in case of an accident can help you relax and enjoy your time on the road. This peace of mind is invaluable and worth the cost of your premium.

Give Us A Call

As you can see, there are many good reasons to have auto insurance. It is not only required by law in many states but also offers financial protection in the event of an accident. Covenant Insurance in Pooler, GA offers a variety of auto insurance policies to meet your needs. We can help you find the right coverage for your car and your budget. Contact us today to get started.

What if My Business Needs Change?

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Commercial insurance is a special type of property and liability coverage that businesses buy for their operations. This includes the building(s) they occupy, equipment or machinery on-site, inventory held at the place of business, and any other items necessary for conducting normal activities.

The right policy can help prevent major setbacks in your company’s growth because it will protect against many types of risks that could be devastating to the enterprise. Covenant Insurance in Pooler, GA provides the following guide in navigating setbacks through your commercial insurance coverage.

What if My Business Needs Change?

If your business needs change, you should review your policy to ensure the coverage still meets your needs. For example, if you move to a new location, you’ll want to add coverage for the new building. Or, if you add a new piece of equipment, coverage may need to be adjusted to account for it. If you’re not sure what changes you should make, talk to a Covenant insurance agent in Pooler GA, who can help you tailor a policy that fits your unique business.

Making sure your company is fully insured is important for two reasons. One is that it helps protect your business profits. Without insurance, taking care of the resulting damages could cause serious financial problems for your enterprise. Second, it ensures that you are abiding by any contractual obligations you’ve made with vendors or customers who require proof of commercial general liability coverage before doing business with you.

Remember, commercial insurance is not just for large businesses. Many small businesses will benefit from having commercial property and liability coverage.

Contact Us Today

No matter what your business is, commercial insurance is a vital part of protecting it from unforeseen risks and potential disasters. Make sure you have the right policy in place to keep your business running smoothly. Are you looking for reliable commercial insurance in Pooler, GA? Covenant Insurance has you covered! We can help you find the right policy to suit your business’s unique needs. Contact us today for a quote!

What Does a Home Insurance Policy Not Cover?

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There are many reasons you might consider buying a home insurance policy. Maybe you’ve just bought your first home, or you own an investment property. Perhaps you worry about your family’s safety and/or your belongings. Whatever your reasons are for wanting to buy a policy, it’s important that you understand what a standard home insurance policy does not cover. Covenant Insurance offers the following guide.

What Does a Home Insurance Policy Not Cover?

1. Flooding

This is one of the most common risks in many parts of the country, but it isn’t typically covered under standard homeowners policies. You’ll need to purchase flood insurance separately if you live in high-risk areas or have been told by your mortgage lender that your house is located within a flood zone.

2. Artwork

If you’re an avid collector of valuable art, your standard policy probably won’t cover the cost of replacing or repairing any pieces that are damaged or go missing. You’ll need to purchase special coverage for high-value items like this.

3. Identity Theft Protection

If someone steals your personal information and uses it to open credit cards in your name, for example, your home insurance policy won’t help you recover the money that’s been stolen. You’ll need to purchase a separate policy to cover this type of loss.

4. Earthquakes

Standard homeowner’s policies do not cover damage caused by earthquakes. If you live in an area prone to earthquakes, you’ll need to purchase earthquake insurance separately.

5. War

If your home is damaged or destroyed during a war, your standard homeowners policy won’t cover the cost of repairs or replacement. You’ll need to purchase a separate policy to protect yourself from this type of loss.

Need Insurance in Pooler, GA?

As you can see, there are many things that standard homeowners’ policies do not cover. It’s important to be aware of these things before you buy a policy to be sure you’re getting the coverage you need. Talk to a Covenant Insurance agent in Pooler, GA, to learn more about the specific coverage available to you.

 

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