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Atkinson Casey Agency

Monroe Office
702 E. SPRING ST.
Monroe, GA 30655

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114 E. BROAD ST.
Greensboro, GA 30642

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A Tree Fell On My House! Will Home Insurance Cover It?

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Home insurance can pay to repair or replace your home when a covered event occurs. If a tree has recently fallen on your home, it’s important to know if this is a covered event.

Trees can cause significant damage when they fall. At Atkinson Casey Agency, servicing Monroe, GA, we help homeowners navigate the complexities of their insurance policy. Here is some information you should know if a falling tree recently damaged your home.

Understanding Home Insurance Coverage

Windstorms can cause a variety of problems for homeowners. Roof damage, damage from trees, and other issues can all occur due to strong winds. Home insurance covers damage from windstorms. So, if your home was recently damaged in a windstorm that caused a healthy tree to fall on your house, your insurance policy may cover it.

If the tree was rotten and fell because of that rot, your home insurance policy may not cover it.

Filing a Claim: What to Expect

To file a claim with your home insurance company, start by contacting your insurance agent. Your agent will connect you to a claims adjuster and provide you with the forms you need to start your claim. Save any receipts from the clean-up and repair. These receipts may become important during the claims process, as your insurance company may ask to see these receipts to get you reimbursed.

If a falling tree recently damaged your home, contact your insurance agency. Whether you want to know more about filing a claim or just want to know what else is covered by your home insurance policy, contact Atkinson Casey Agency, servicing Monroe, GA. We’re here to help.

Primary Factors Behind Rising Auto Insurance Rates

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At Atkinson Casey Agency, we field calls about auto insurance daily, often regarding premiums. If you are a licensed driver in the Monroe, GA, area and are concerned about rising car insurance rates, understanding the factors influencing these costs can be beneficial.

Rising Vehicle Costs

With the average price of a new vehicle approaching $50,000, replacing a vehicle has become substantially expensive, contributing to insurance rate hikes.

Increasing Repair Costs

Modern vehicles are equipped with advanced technical and safety features. While enhancing the driving experience, these devices also increase the cost of insuring them. Restoring a damaged vehicle to its pre-accident condition is now more expensive, with fenders previously made of sheet metal now holding cameras and digital devices.

False Claims and Fraud

Insurance fraud and false claims are significant contributors to elevated car insurance rates. Insurance claims should only be used to restore a policyholder to their pre-claim financial state, not to acquire profits.

General Inflation

Consumer prices for goods and services, from groceries to housing, have been rising. Naturally, car insurance premiums are not immune to this overall trend.

Having a Poor Driving Record or a History of At-Fault Accidents

Traffic violations and at-fault accidents can quickly increase car insurance rates. To maintain low insurance premiums, it’s best to drive cautiously and defensively and respect traffic laws.

Get Auto Insurance Quote in Georgia Today

Comparing quotes is one of the most effective ways to keep your car insurance rates manageable. We invite licensed drivers in the Monroe, GA, area to contact Atkinson Casey Agency. Our team is ready to assist you with the necessary information and process steps to get your car insurance quote started.

Why your home business needs commercial insurance

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Operating a home-based business is an appealing option as it allows you to run your own venture independently without the burden of paying rent or dealing with a landlord. Atkinson Casey Agency in Monroe, GA is an independent insurance agency. Our aim is to offer our customers the highest possible level of customer service every day.

Your home is your sanctuary, but unfortunately, your home insurance is designed to safeguard your sanctuary, not your business.

Property and content insurance

With commercial insurance, both property and content are encapsulated in commercial property insurance. Your home insurance includes property pertaining to the physical building and content applicable to all movable items indoors. Home insurance may cover a small portion of your business loss, but it won’t even come close to the amount your commercial insurance will cover. No business can survive without substantial insurance protecting its machinery, display units, tools, etc. With commercial insurance, you’ll be able to resume operations much quicker.

Liability insurance

Home liability insurance protects you and your home from legal proceedings and lawsuits. However, if someone is visiting your home for business purposes, your home insurance won’t cover it. This could be a vendor, a customer, or an employee. You will have to pay from your pocket if you don’t hold commercial liability insurance.

Auto coverage

If you utilize your vehicle for business purposes, whether for product delivery or visiting a client, your standard auto insurance will not cover you. You must ensure that you possess commercial insurance for your vehicle so all your business activities are covered. This coverage is indispensable.

Contact our office at Atkinson Casey Agency in Monroe, GA, to discuss your home business and the commercial insurance that’s perfect for you.

Buying a Home? Three Steps to Take When Shopping for Home Insurance

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Buying home insurance can be a considerable undertaking. Securing the right policy at the right price can set you up for success when a covered event occurs. Understanding how to shop for home insurance can facilitate your decision-making process.

At Atkinson Casey Agency, servicing Monroe, GA, we assist homeowners in finding the right home insurance for their needs. We work with several insurance carriers and offer numerous insurance products to our customers. Below are three steps we recommend when you’re shopping for home insurance.

1. Find an Insurance Agent You Trust

The first step to finding home insurance is identifying the right insurance agent. Consider the following qualities when looking for an insurance agent:

  • Reliability. Does the insurance agent return phone calls promptly and answer questions accurately?
  • Professionalism. Does the agent operate a professional office with adequate staff support?
  • Communication. Can the agent communicate ideas clearly?

2. Know the Questions to Ask Your Insurance Agent

You should have a list of questions to ask your insurance agent during your meeting. These questions may include:

  • How much will this cost?
  • How much coverage do I need?
  • What’s covered by this policy?
  • Do I need to make a home inventory?

3. Determine if You Need Additional Insurance

Some people benefit from having umbrella insurance. This type of coverage extends beyond your home insurance policy to provide additional protection. Your insurance agent can help you decide if you need an umbrella insurance policy.

Are you seeking a professional insurance agent with strong communication skills? Contact the specialists at Atkinson Casey Agency, servicing Monroe, GA. Call us today.

Understanding The Difference Between Comprehensive and Collision Insurance

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When considering auto insurance in Monroe, GA, it’s essential to know that different coverages will protect your vehicle. Comprehensive and collision insurance are frequently confused; understanding the differences is critical. At the Atkinson Casey Agency, we assist our clients in finding the right insurance policy for their needs.

What Is Collision Insurance?

As the name suggests, collision insurance covers the cost of repairs or replacement for your own vehicle if you have an accident with another car or object. This type of coverage is typically required if you are financing or leasing a vehicle. It’s a common feature in most auto insurance policies and can be particularly beneficial if you live in an area with a lot of traffic.

What Is Comprehensive Insurance?

Comprehensive insurance offers coverage for your vehicle that includes losses other than collision. This can cover instances such as theft, flooding, fires, or encounters with animals (like deer). Considering this coverage depends on your risk tolerance, but it can be appealing for those seeking broader protection for their vehicle. Comprehensive insurance helps cover the cost of repairs or replacement if your car is damaged or stolen due to a non-collision incident. Often, it is paired with collision insurance to provide a wider coverage for various potential risks.

Contact Atkinson Casey Agency For An Auto Insurance Estimate

If you’re looking for an auto policy in Monroe, GA, our team would be thrilled to help get you started. Don’t hesitate to contact our friendly team of experts for a free quote. We look forward to providing you with everything you need.

Your Guide to Commercial Insurance

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Many people dream of owning their own business, but to make the most of business ownership, you need to have the right forms of protection in place, such as commercial insurance. Here at Atkinson Casey Agency, serving Monroe, GA, and the surrounding areas, we want to help business owners like you make smart insurance choices. Let’s look at a few details you should know about commercial insurance.

Comprehensive Protection

The most significant advantage of commercial insurance policies is that they cover several different aspects of your business with one policy. This can streamline your business tasks and make budgeting simpler. When you work with our agency to create a comprehensive commercial policy, you can rest easy knowing you’ve covered your bases.

Reduced Risk of Liability Expenses

Another huge advantage of commercial coverage is that you’ll be protected from liability expenses. Business owners are at a particular risk of liability. When customers are using your products or services, and something goes wrong, the expenses that result from that could be on you. You could also be held liable if someone is injured on your commercial property. These types of expenses could leave a business financially vulnerable if you had to pay them out of pocket. A solid commercial insurance policy will help pay for these expenses so that you can come out on the other side financially solid.

Improved Reputation

A company safely covered with proper insurance is considered less risky for customers and clients. Depending on the type of services you provide, this could be a huge selling point. If your customers need to know you’re insured, you can put their minds at ease.

If you’d like to learn more about commercial insurance, please contact Atkinson Casey Agency, serving Monroe, GA, and the surrounding areas.

Finding the right home insurance for your Georgia residence

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If you own a home in the greater Monroe, GA, area, you can rely on Atkinson Casey Agency for all your home insurance needs. We understand how important it is to protect our homes and enjoy the peace of mind that comes with having the right policy in place. Get in touch with our team today to learn more.

Protect your Georgia home with the proper homeowner’s policy.

When choosing your home insurance policy, there are a few main factors to consider. The age, size, and location of your house can all have an impact on the type of policy that will best meet your needs. So will events like major remodels, outbuildings, and live-work situations. If you’re actively looking for a new home, now’s the time to start thinking about insurance. 

There’s no time like the present to sit down with a local agent to assess your current and future needs. And, if you’ve been living in your home for years, you’ll still want to review your policy regularly. Insurance needs can change as market fluctuations occur and the value of your home increases. Don’t wait until a catastrophic event happens to find out that your policy no longer meets your needs. Contact our office today to learn more about the range of home insurance policies that are currently available in our area. We’re here to help!

Give us a call or stop by today!

The Atkinson Casey Agency team is proud to serve the residents of Monroe, GA, and the surrounding communities. If you have questions about insurance, we’re here to help. Call our team today or visit the office to learn more about our services.

We look forward to serving you!

Add-ons you should consider for your auto insurance

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Auto insurance is required to drive a vehicle in Georgia. Liability coverage is the only requirement unless you have a car loan or are leasing, in which case you need collision and comprehensive coverage. But there are other add-ons that you may want to consider. At Atkinson Casey Agency in Monroe, GA, our team will work with you to ensure you have the right auto coverage. 

Gap coverage

When you own a new car, you probably have an auto loan. Depending on what you had for a down payment, you may have a considerable vehicle loan. The insurance company will give you the car’s value, which depreciates almost the second it leaves the dealership. If you owe more than they pay, this insurance covers the gap. 

Roadside assistance

Roadside assistance provides a safety net when you are out on the road. You can call for help if it is needed. Some of the services it supplies are tire changing, battery jumping, and towing if you break down. The vehicle can also be opened if you lock your key inside.  

Full glass

Comprehensive coverage provides glass coverage, but a deductible must be paid. When you have full glass coverage, there is no deductible to meet, making it affordable to get the repair you need. 

Rental car

Rental car coverage is not for a vacation or business rental car but for a rental car to be used when your vehicle has been damaged by an accident or something beyond your control. This can be a great help while your vehicle is being repaired. 

Contact the team at Atkinson Casey Agency in Monroe, GA, for all your auto insurance needs. We are independent insurance agents and provide more choices and competitive rates. 

How 2024’s Commercial Insurance Trends Influence Premium Prices

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Commercial Insurance Outlook for Business Owners in 2024

As a business owner, you undoubtedly wish to protect your commercial assets. Our team at Atkinson Casey Agency, located in Monroe, GA, is eager to assist you with your commercial insurance requirements. To envision what 2024 will bring, reviewing the recurring trend of premium price increments witnessed in 2023 is crucial.

Impact of Weather-Related Damages on Payouts

One of the principal influences on policyholder premiums is related to climate anomalies and natural disasters. Bloomberg Insurance reports that 2023 marked the fourth consecutive year of escalated insurance payouts for weather-related property damage, mandating a rise in policy costs. Escalation in building material costs and construction workers’ wages further inflated these costs. Consequently, businesses might face a shortfall in claims payments, leading to increases in out-of-pocket expenses during attempts to replace damaged property.

The Importance of Accurate Property Value Estimation

Such factors might coax businesses into choosing policy amounts lower than their actual future property value, which could backfire. Under the influence of escalated premium rates, a firm might undervalue the future worth of their property, consequently procuring lesser policy value than needed. In these cases, it is best for businesses to consult their insurance agents, who are well-versed in these trends and can assist in generating realistic estimates for coverage.

Schedule a Consultation Today

Business owners in Monroe, GA, should recognize the need for frequent evaluations of their insurance needs in view of these trends. At Atkinson Casey Agency, we’ve been studying patterns like these and are ready to assess your current business status and aid you in contemplating your options. To discuss your commercial insurance needs with our expert team, give us a call today.

Will homeowners insurance cover my broken mailbox?

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Homeowners’ insurance has many benefits. It can provide protection for your home, your interior and exterior structure, personal belongings, and more. However, the terms of coverage are always clearly outlined so that homeowners understand what’s covered and under what circumstances something is covered. Our team at Atkinson Casey Agency understands that understanding homeowners’ insurance can be confusing. We’re committed to helping Monroe, GA residents understand homeowners insurance better. 

What is homeowners insurance?

In short, homeowners insurance is property insurance with different areas of bundled coverage that all fall under the term "homeowners insurance." This means that your home’s structure is covered, both inside and out, as well as your personal belongings. Also, any structures on your property are covered as well. Liability coverage is also a benefit of homeowners insurance. This provides protection for you and also covers any injuries or property damage others may sustain while visiting your home. Liability coverage can also cover other people’s property that you may accidentally damage while driving your car. Some policies may also cover damage your dog may cause to others if he or she bites or attacks them. 

Will homeowners insurance cover my broken mailbox?

Maybe. Your homeowners’ insurance will cover the repair of your damaged mailbox if it’s damaged as a result of a situation or circumstance that falls under the terms and conditions of your policy. Not all situations will fit your terms and conditions. For example, if you hit your own mailbox, it’s possible that your homeowners’ insurance won’t pay for its repair. An incident like this may be considered negligent. However, the exact terms of your policy will have to be explored to determine if the repair of your mailbox would be considered a covered event. An insurance agent would be able to determine if your damaged mailbox will be eligible for repair.

Schedule A Consultation Today

If you have questions regarding home insurance, we’d be happy to answer them. Call us at Atkinson Casey Agency. We serve the greater Monroe, GA area. 

Partner Carriers

  • American Modern
  • Assurance America
  • Foremost
  • Gainsco
  • Hagerty
  • Insurance House
  • Nationwide
  • Progressive
  • Safeco
  • Travelers