Buying health insurance is an important decision. It will affect your healthcare for the next year. Unless you are an insurance expert, it can be intimidating and stressful trying to make sure you get the right coverage. Having a partner, you can count on to have your best interests at heart is important. In Georgia, that is First Priority Insurance. As independent agents, our loyalty is not to one insurance company, it is to our customers, and we have the information and experience to give you sound advice.
How much will the insurance cost?
The reality is, you need to be able to afford the insurance you buy. Cost is not the only factor to consider, but it would be unrealistic to believe that it is unimportant. It is a fine balance to get the right coverage at the right price.
Is my doctor in the network?
Every insurance company has a network of doctors and healthcare providers who contract with the insurance company to provide services to their customers. Ensuring that your doctor or doctors are in the network of any company and policy you are considering is important.
Does the policy offer drug coverage?
If you are taking the medication regularly, you need to know it is covered by the insurance policy you are considering. You also need to know how much you’re monthly cost for the medication will be.
What is the deductible?
High deductible policies are a popular way to be able to afford insurance coverage. But if your deductible is so high that you never get any services paid for, it isn’t going to be helpful. Finding the perfect balance can be a challenge.
Contact First Priority Insurance in Georgia to answer your questions about health insurance and all your insurance needs.
Why do you need Life Insurance?
Financial planning might not be at the top of everyone’s to-do list, but we all know how vital it is to create a plan. Part of your overarching financial goal should include a life insurance policy. What situation are you currently in? If you’re the primary breadwinner and something happens to cause you to be unable to support you and your family, life insurance can step in as a stopgap to help your family make it through tougher times without your income. There are various life insurance plan options available. A qualified insurance professional at First Priority Insurance will love to go over the available options with you to find what may work for your situation. First Priority Insurance serves the Morrow, GA community and are ready to help you navigate the various life insurance plans available to you and your family.
Your family shouldn’t be left unprotected.
Life insurance policies are available in a variety of forms. The two most common types are Permanent Life and Term Life. Term life covers a specific timeframe, usually in 10, 20, or 30-year options. If you die within the timeframe of your plan, your beneficiaries will receive the money. If you don’t use the policy by the end of the term, you can purchase into another timeframe or switch to a Permanent Life plan. Permanent Life insurance usually has a higher premium, though it offers more features.
Are you confused by your options? We can help!
When you decide that you need to look into life insurance, the agents at First Priority Insurance are ready to help you through the various options and make the process as easy as possible. Please stop by the office in Morrow, GA, or give us a call today.
When you live in the state of Georgia, owning a car is a great option. For people who live in most areas of this state, owning a car is the best way to ensure that you can efficiently get around town and complete all of your daily tasks. When you are looking for a car, you should also make sure you get into a proper insurance policy. There are several reasons that you need to have this form of insurance coverage.
Coverage is Required by State
One of the reasons you should get this type of insurance coverage is that it is required by Georgia law. If you want to drive a car here, you will need to comply with the state laws regarding liability insurance. These insurance requirements will ensure that you have the liability protection needed to cover you if you cause damage in an accident. If you do not have this protection, you will be in violation of state law.
Coverage Protects Asset
Another reason that you should get auto insurance here is that it will protect your asset. When you choose to purchase a vehicle, you will want to make sure that your valuable asset is properly covered at all times. When you get auto insurance, it could include collision and comprehensive protection. This will give you the financial resources to repair or replace your vehicle if damaged or stolen.
When you are looking for auto insurance in Georgia, you should call First Priority Insurance. The team at First Priority Insurance can answer any questions that you have about your insurance options. They can help you build a policy that will comply with your coverage needs.
Understanding your business starts with understanding the volume of the work you do. If you’re just getting started, you probably spend a lot more time on marketing than you do interacting with customers. This is entirely normal for fledgling businesses, but your commercial policy may need to scale as you get bigger. First Priority Insurance wants the people of Georgia to understand how to scale their enterprise as time goes by.
When you don’t have very many customers, you also don’t have very much liability. You may not have a lot of inventory because you only have a few select clients. You can keep your overhead down to practically nothing if you need minimal supplies.
But what happens when you have more customers? When you have to hire employees? When you have to order three times as much stock to keep up with increased demand? When you have to buy the store next door for more space? The answer is that you need more commercial insurance to limit your liability and ensure you have enough coverage should something happen to your business.
Call Someone Who Knows
The basic solution is to ensure your policy reflects what’s happening to your business, and the way to do it is to talk to your commercial insurance agent. Of course, you can downscale as much as you can upscale, so if your business has downsized, you may not need as many protections.
As you explain the ways in which your business has changed, the staff will look for ways to adjust your policy. If you have questions about how to make this happen, First Priority Insurance can help. We’re here to keep the business owners in Georgia up and running through good times and bad.
When you buy a home, you know that you will have a mortgage for a long time. For most people, it is 30 years. At some point, that mortgage will be paid off, and without the requirements from your lender that you keep your home insurance coverage, it can be tempting to let it lapse and count on good luck to keep you safe and protected. At First Priority Insurance, we offer Georgia residents our years of insurance experience. As independent agents, we can offer policies from many different carriers, and we will find the perfect one for your needs and your wallet.
The law in Georgia does not require that you have home insurance. That, however, does not mean that it is a good idea for you not to have it. Georgia can be prone to some wild weather, and that weather can be very damaging to homes. It damages roofs and a lot more. If something happened to damage your home, would you be able to pay for the repairs out of pocket? If the answer is no, then you understand why even without a mortgage, having home insurance is vital to you.
Home insurance offers a lot of different kinds of protection for you and your home. Home insurance provides building and contents coverage, theft and vandalism protection, and liability insurance. Life can be uncertain, but when it comes to your home, you should be confident that if something happens, it will be there for you. Home insurance makes sure that the roof over your head is safe and secure.
At First Priority Insurance, our team understands home insurance, and our first priority is to make sure that our customers have the coverage that meets their needs at a price they can afford. Why not stop by our office or give us a call to set up a no-obligation quote.