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Protecting you and your gameday events.
Football season is here, and that means it's time for screaming at your television, hosting game day parties with your friends and family, or maybe even your rivals. But before you put out all your favorite appetizers, there's one play you don't want to fumble: making sure your home insurance has you covered. Picture this: you're hosting a Monday Night Football watch party. The house smells of buffalo chicken dip, the sodas are fizzing, and everyone is cheering on their favorite team. All is going well, the food is great, your friends are happy, and it looks like you might be winning in fantasy this week. Then the unthinkable happens . While you and your buddies are watching the big game and decide it's time for a refill on the ranch, your guest slips and breaks their arm on your freshly mopped floor. What once was a fun-filled night has now taken a turn for the worse. The idea might seem far-fetched, but these situations happen more than you think and could end up costing you thousands. Now, you need a good defensive line, too. That defensive line is your liability coverage as a homeowner. If a guest gets hurt on your property during a football party, you could be held liable. That's where your personal liability coverage comes into play. It can help pay for medical expenses, legal fees, and even settlements if you're found liable. Your typical homeowners' policy includes liability coverage, but if you host often, you might want to consider reviewing your limits or increasing them. Don't let the worry of hosting ruin your football season . Here are a few safety tips to play it safe while entertaining your guests : clear walkways to prevent trips and falls, keep an eye out for spills and clean them up quickly, secure your valuables and move them to a safe area, and consider additional liability protection if needed. Hosting a Monday Night Football party should be exciting, not stressful. Your homeowners' policy is there for you when the unthinkable happens. So, before the next kickoff, take a timeout to review your policy to make sure you're covered.
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Protecting what matters most this school year.
As summer winds down and families prepare for the new school year, there's more to consider than just school supplies and schedules. From bus stops to backpacks, now is the perfect time to check in on your family's safety and your insurance coverage. At The Whorton Agency, we're here to ensure you and your loved ones are protected as the school year begins. The back-to-school season brings increased traffic from car-rider lines, bus stops, and young drivers heading to class. It's a great time to review your auto insurance coverage and be mindful of potential hazards on the road. Transportation safety is essential for keeping yourself and others safe. Drive cautiously in school zones, watch for pedestrians in crosswalks, and always remain alert during your commute. For teen drivers, reinforce safe habits: obey speed limits, never text while driving, and always buckle up. If your student is heading to college this year, ensure your insurance reflects the change. Whether they are moving out of state or leaving their car at home for the semester, your auto policy may need updating. Additionally, don't overlook renters' insurance. It's a simple and effective way to protect your student's belongings in a dorm or apartment in case of theft, fire, or other unexpected events. Protecting their items also protects your peace of mind. A new school year brings change, excitement, and growth, and a few risks along the way. But with the right protection in place, you can focus on what matters most: your family's success and safety. If you have questions about your coverage or would like a quick back-to-school insurance review, give The Whorton Agency a call. We're here to help you start the school year strong and secure. Purchasing your first home is one of the most exciting, rewarding and stressful processes of your adult life. And Instagram is only showing you the cutesy stuff.
We’ve all seen the “Just Got the Keys” posts on our feeds. It’s you all dressed up, keys in hand, with a perfectly landscaped yard in the background, dogs running in the background and an interior that replicates Joanna Gaines' Magnolia Homes line. Granted, we love seeing these snapshots of your forever home, but what happens before you actually get the keys? Homeowners insurance. It’s not nearly as cute, but quality homeowner’s coverage is essential. To start, it’s actually a necessity because home insurance is required by your mortgage lender. They are working alongside you to protect your investment so that for the life of your mortgage, you’re both protected. What we often see is that while mortgage lenders are great at helping you secure that mortgage for your dream home, it’s your insurance agent that is far better versed at helping you protect it. We want to do more than make sure your premium fits the needs of the loan because a low premium doesn’t mean much by way of actual protection if the proper coverage isn’t there. It is crucial to understand your needs when it comes to your homeowner’s policy before finalizing it for your lender. Those Instagram-worthy furniture hauls, exciting new electronics and shiny appliances? They’re part of your policy, too, under a line item called “Personal Property Coverage.” Shockingly enough, we’ve actually seen this excluded from a policy before, and the ramifications of removing any coverage from your policy are expensive. Do a thorough review of all the parts of your policy with your insurance agent to make sure your investment is protected, even considering things like antique silver from your grandmother and the beautiful wedding set that your husband just upgraded. No one posts about a guest tripping on the front steps or a dog bite incident at a birthday party, but these things do happen. Liability coverage is yet another line item that can protect you if someone is injured on your property. Instagram captures the joy of homeownership (and we love to see it), but not the fine print. A strong homeowners insurance policy won’t get likes, but it will protect your dream home when it matters most. As life changes so do your insurance needs. From your first apartment to retirement, each decade brings new responsibilities to your life - and the need for coverage that fits. Let’s take a closer look into the coverage you need as each chapter begins in your life.
You’re in your early 20s, post-grad, job-hunting and laying the foundation for the rest of your life. That’s a pretty tall order. It also means that you have the chance to start smart and insure yourself with the right protection now for your peace of mind that serves you well into your future. With life milestones such as renting your first place, buying a new car and establishing your independence is a perfect time to build a strong insurance foundation. Proper auto insurance is essential, and by law, liability coverage is required in the state of Georgia. Accidents happen, even to good drivers, especially when sharing the road with others who might not be as careful as you. In your 20s, you're still gaining experience behind the wheel. If you're involved in an accident, auto insurance helps cover medical bills, car repairs and legal fees, saving you from financial disaster that could set you back from the future you’re building. Without quality insurance that focuses on its value to you, even a minor accident could cost thousands out of pocket. Auto insurance helps you avoid draining your bank account. Also consider how to best protect where you live in those early adult years. Whether you're renting your first apartment, living with roommates or in student housing, here’s why renters’ insurance is a must. Your belongings are worth more than you think and replacing them piece by piece can get overwhelming after an accident like a break-in. Picture this, you come home after a late dinner with friends in the city to find your apartment door slightly ajar. You call the police and your Landlord and find that your space has been trashed and your brand new couch is gone. In moments like this, the last thing you want to deal with is the expense to repair or replace your belongings. Renters insurance can help with that, without breaking the bank. It’s an easy, inexpensive way to protect your stuff, your wallet and your peace of mind, and honestly, it’s one of the smartest adulting moves you can make in the beginning. In your 30s, life typically becomes more complex. Careers take off, families begin and you may be looking at buying your first home. This is a huge milestone and one of the largest financial commitments you'll ever make, so you should be focused on the value it provides rather than how it fits into your escrow payment. Home insurance protects that investment from risks like fire, theft, storms and more. Without it, a single unexpected and tragic event could cost you hundreds of thousands of dollars that you don’t have. Home insurance protects your physical walls, and it covers your contents and your liability risk as a homeowner. Imagine, you’re having a Start of Summer pool party - the first of many in your new home - and somebody slips on wet concrete and gets hurt. You could be held legally and financially responsible, and when it comes to money, friends can flip on you quickly. Hence the need for liability limits on your homeowner’s policy that focus on protecting you rather than lowering your premium. This is the time to be layering that solid foundation of the life you want, and insurance is what helps you reinforce that foundation. We also encourage you to consider life insurance, which is easier to secure the younger you are. No one anticipates leaving this Earth before they’re old and gray in their beds, but it’s better to protect the what-ifs than to be afraid of them. Think about paying off that mortgage you just secured, sending your kids to college, replacing your income alongside your spouse’s efforts to keep things moving without you. Life insurance is a vehicle that can soften the financial blow of your loss for your family, no matter when it kicks in. Your 40s are a decade for a surge of financial growth and planning. By now, your income and assets have grown, which means you have more to protect. An umbrella policy provides extra liability protection beyond your auto and home insurance. Umbrella policies can cover personal injury lawsuits, legal defense cost and injuries or damage cost where you’re at-fault. An umbrella policy typically adds $1 million or more in coverage, for just a few hundred dollars a year. That’s a small price to pay for peace of mind and protection against financial disaster, especially now that you’ve worked this long to build it. No matter your age, insurance isn’t one-size-fits-all, and a little planning now means confidence for the journey ahead. Connect with an independent insurance agent to make sure your coverage fits your life, wherever you are on the journey. Life goes by fast, one minute you’re learning how to walk, starting highschool, getting your first job after college and then you blink and you have your own family, house and business. It’s one of the greatest gifts we receive, making it that much more precious to us. With every new venture, milestone and accomplishment sets you up for new opportunities to plan for your future. That's where Life Insurance comes in, it becomes that promise to protect your future and the people who matter most.
Let’s face it, thinking about life insurance can feel daunting, but it doesn't have to be.It’s one of the most rewarding decisions you can make. Life insurance isn’t about expecting the worst, it’s about preparation so you can focus on living your life to the fullest right now. Picture this: your kids are entering adulthood, college-bound and full of dreams. Because you started investing in their life insurance plans early, they’ve got a financial head start. On the other hand, think about the peace of mind your partner will have knowing that, even if you’re not around, the mortgage is covered, and the bills are taken care of. That’s not fear, that's care. If you're the main earner in your household, life insurance becomes even more crucial. It provides income comfort for your family, ensuring they can maintain their lifestyle and focus on healing, not on financial strain if the unexpected happens. Life Insurance doesn’t stop there, it can help support your business, settle debts, and even offer living benefits if your policy has a cash value component. Planning for your future in the present increases your chances of insurability and confidence in what's ahead. At heart, life insurance is about making choices today that build a better tomorrow. It’s an act of love, protection, and care. And the best part? You don’t have to figure it all out at once. Start small, ask questions, and take the first step. Because when you picture your future, you’re not just imagining your life, you’re investing in it. And that’s a beautiful thing. |
