R&R Insurance Group Has Your Wholesale Business Covered

When it comes to the health of your wholesale business, the people, property, inventory, and equipment you rely on are all equally important. An accident that damages your merchandise or injures an employee not only impacts the bottom line, it also endangers the overall well-being of your business. R&R Insurance Group understands what it takes to protect all aspects of your business and reputation with targeted, comprehensive insurance coverage.

R&R Insurance Group Has Your Wholesale Business Covered | R&R Insurance Group

The unique and complex exposures faced by all types and sizes of wholesale businesses require tailored products and expert assistance, whether you supply car parts or cosmetics. R&R Insurance Group can protect what matters most to your business, so you can stay on track.

Examples of coverage we offer to help you:

  • Compensation for loss of business income suffered due to physical damage or loss of dependent properties.

  • Compensation for a covered cause of loss that results in your being unable to deliver in a timely manner (a common penalty cause in business contracts)

  • Coverage for loss or damage to your core equipment that not only covers replacement or repair, but also compensates you for loss of income if you have to temporarily shut down, for additional expenses required to keep your business running after equipment breakdown, or for the value of contaminated or spoiled products.

  • Coverage for motor truck cargo so you can safely move your own goods from place to place, or safely permit a third party to move goods for you.

  • Coverage for the costs associated with product withdrawal or recall, such as shipping, notification, warehousing, and additional workers.

  • Umbrella coverage above your primary limits for defective imported products that cause a fire and damage the business or home of your end customers.

R&R Insurance Group Has Your Wholesale Business Covered | R&R Insurance Group

Your business is unique, and it requires a unique combination of coverages to minimize your risk and make the claims process as easy as possible. We provide solutions to problems and can even help you avoid problems through risk control services. By carefully assessing your wholesale business to identify exposures, we can make useful, practical recommendations for changes that can prevent accidents before any damage is done.

The understanding experts at R&R Insurance Group are always here to answer questions, respond to claims, and safeguard the financial security of your business.

We deliver the best outcomes on claims thanks to our expertise in general liability, property, auto, employee benefits, and workers comp, as well as the courtesy and hard work we apply on all our clients’ behalf. R&R Insurance Group knows how to give you the peace of mind you need to focus on the continued health of your business.

Call us today, (706) 991-9832, for a no strings attached Free Risk Assessment of your business.

R&R Insurance Group | Donnan Oyler

We will review and offer solutions:

  • Loss Controls

  • Worker’s Compensation Discounts

  • Reduce Premiums

Commercial Real Estate Protection with R&R Insurance Group

R&R Insurance Group offers superior, targeted, comprehensive coverage to commercial real estate managers and owners. You can rely on us to support any kind of commercial business, including:

  • Industrial: distribution centers, R&D and flex buildings, and manufacturing facilities

  • Office: classes A, B, and C

  • Retail: enclosed shopping malls, open-air strip shopping centers, and independent buildings

Commercial Real Estate Protection with R&R Insurance Group

 

R&R Insurance group provides enhanced business interruption coverage:

  • Contract cancellation: If a tenant cancels a lease for one of your properties due to a covered cause of loss, this coverage offers up to $50,000 compensation for business income loss.

  • Anchor stores: If the real property of an anchor store suffers direct physical damage, this coverage offers up to $100,000 compensation for lost business income from rent.

  • Access to premises: If the retail center owner’s property experiences obstructed access due to direct physical damage to suffered by an adjacent property, the coverage offers up to $50,000 compensation for loss of business income from rent.

Commercial Real Estate Protection with R&R Insurance Group

 

R&R Insurance provides marine coverages that include builder’s risk for installation of new equipment and new construction, and our risk engineering consultants provide the kind of risk management support that allows commercial real estate ventures to thrive, including:

  • Evaluations of automatic sprinkler systems

  • Risk engineering surveys of your properties, which is especially important for multitenant properties

  • Information on preventative maintenance of mechanical and electrical equipment

  • Information on inspection and maintenance of roofs

Commercial Real Estate Protection with R&R Insurance Group

 

R&R Insurance Group offers commercial auto coverage that includes:

  • Vehicle fleets you own, non-owned automobiles, and rented vehicles.

  • Automobiles rented by employees in their own name, but on your behalf

We also reduce the average duration of disability for injured workers by helping them return to work as swiftly as is medically appropriate. We do this by guiding injured workers and their families through the recovery process, by consulting nurse case managers who give our adjusters insight on lost-time and medical claims that are particularly complex, and by coordinating overall return-to-work efforts.

Commercial Real Estate Protection with R&R Insurance Group

 

R&R Insurance Group offers bundled options that allow you to choose targeted, comprehensive coverage that does not require additional endorsements and therefore spares you the extra servicing and maintenance of accounts demanded by those endorsements.

We can provide coverage to newly formed or acquired LLCs (limited liability companies) and LLPs (limited liability partnerships) for up to 45 days, and additional insured status for individual investor-owners who comprise the LLP or LLC, to fulfill the written contract between property owner and manager.

R&R Insurance Group offers liability and asset protection designed to cover contingent business and property income if the tenant of an owner who transfers responsibility via triple net leases does not secure the insurance required for the agreement.

Furthermore, we offer commercial umbrellas with up to 25 million-dollar limits over the primary auto or general liability coverage.

Commercial Real Estate Protection with R&R Insurance Group

 

R&R Insurance Group’s superior claims services include:

  • Special fraud investigators who partner with claims professionals to uncover unwarranted and groundless claims.

  • Claims reporting 24 hours a day, seven days a week—crucial for anyone in the commercial real estate industry, for whom almost 70% of third-party claims will be slips and falls.

Commercial Real Estate Protection with R&R Insurance Group

 

Additional services and coverages and higher limits may be available for higher premiums as a part of R&R Insurance Groups adaptable, comprehensive, coverage options. Call or visit today to discuss your individual needs.

At R&R Insurance, we want to give you the right amount and types of coverage, so you can relax and focus on growing your business.

Donnan Oyler | R&R Insurance Group

Call us today, (706) 991-9832, for a no strings attached Free Risk Assessment of your business.

We will review and offer solutions:

  • Loss Controls

  • Worker’s Compensation Discounts

  • Reduce Premiums

A Heads Up on the Hands Free Georgia Act

As of July 1, 2018, a new distracted driving law known as the Hands-Free Georgia Act has been in place. You may have been breaking this law for quite a while now without even knowing it.

So read on to make sure you understand how to avoid the consequences of getting caught, which happen to be a $50 fine and 1 point on driver’s license for the first offense, a $100 fine and 2 points for the second offense, and a $150 fine and 3 points for the third offense.

Georgia Hands Free Act | RRInsuranceGroup.com

Here’s what you CAN’T do while driving:

  1. Physically hold your phone, iPod, iPad, Kindle, etc. with any part of your body

  2. Read, write, or send texts, emails, instant messages, or any other form of communication unless you use voice to text technology

  3. Record or watch a video on a smartphone or electronic device (except for in-car devices designed for this purpose, such as dash cams)

  4. Browse the internet or use non-navigational apps on your phone or electronic device

A Heads Up on the Hands Free Georgia Act | RRInsuranceGroup.com

Here’s what you CAN do while driving:

  1. Make phone calls using an earpiece, headphones, smart watch, or any other hands-free system

  2. Use GPS navigation on your phone

  3. Message someone using voice to text technology

  4. Touch your phone to dial, receive, or end a call—as long as you are not supporting or holding the phone

There are exceptions to this rule.

  • You can use your phone as needed to report a medical emergency, fire, traffic accident, crime (actual or potential), or hazardous road conditions.

  • Utility service providers, firefighters, police, EMTs, and other people who need to use these devices while responding to emergencies or in the course of their duties are exempt from these rules.

  • You are also free to make calls or use your phone or electronic devices however you want if your vehicle is lawfully parked.

A Heads Up on the Hands Free Georgia Act | RRInsuranceGroup.com

Although it’s understandable that many people regard this law as a hassle, considering how connected we are to our phones, it’s actually a lifesaver—you are 6 times more likely to cause an accident while driving and texting than you are while driving drunk.

If you ever do get caught breaking the Hands Free Georgia Act, know that you will not be found guilty if it is your first offense and you show up in court with a device or proof of purchase of a device that will allow you to be hands-free in the future.

Or avoid breaking the law altogether and invest now in hands-free technology that will protect your wallet, your driver’s license, and your life.

Thanks for reading, if you have found this post helpful, please share it with your family and friends.

Donnan Oyler _ R&R Insurance Group

Call us today, (706) 991-9832, for a no strings attached Free Risk Assessment of your business.

We will review and offer solutions:

  • Loss Controls

  • Worker’s Compensation Discounts

  • Reduce Premiums

Manufacturing Insurance That Keeps Your Business Running

Insurance for Manufacturers

 

All businesses need insurance to protect their success and their future. Without quality insurance coverage, small trade manufacturers are vulnerable to the harmful impact that workplace accidents or property loss can have on workers, facilities, and profits. R&R Insurance Group will partner with you to protect the people, equipment, property, and overall financial well-being that keeps your business going strong.

 

Manufacturing Insurance | R&R Insurance Group

R&R Insurance Group tailors coverage to address your unique set of needs.

  • Equipment Breakdown: Repairs or replaces lost or damaged core equipment. Extended coverage also covers:

      • Extra expenses so you can keep operating

      • Lost income in case of a temporary shutdown

      • Lost income in case of power or other utility loss

      • The value of contaminated or spoiled products

 

Manufacturing Insurance | R&R Insurance Group
  • Contract Penalty: Covers the cost of penalties you are required to pay if you are unable to deliver services or products as agreed.

 

  • Consequential Loss Assumption: Protects you in the case of catastrophic events that may damage part of your inventory and reduce the value of undamaged inventory.

 

  • Operational Replacement Cost: Covers the replacement of damaged, lost, or stolen equipment/property with new, comparable equipment/property.

 

  • Selling Price: When your business suffers a covered loss, you will receive the finished stock value at the selling price, minus expenses and discounts.

 

  • Product Recall Costs: In the case of product recalls, this coverage protects your income in the face of expensive notifications, warehousing, shipping, and additional personnel.

 

  • Extra Expense and Loss of Business Income: If you are forced to shut down due to a direct loss, you can get help with expenses that arise from the loss, and you will be compensated for the income you would have otherwise earned.

 

  • Additionally Acquired or Newly Formed Entities: If you hold a majority interest in a newly acquired business to streamline service or production, or in a new location, your liability coverage can be stretched to include the new acquisition or entity.

 

R&R Insurance Group can offer you additional coverages:

  • Cyber Liability and Data Breach: Protects you if your business gets hacked by covering the cost of managing public relations, securing legal defense, and notifying customers and business partners who are impacted.

 

  • Commercial Automobile: If your company experiences an accident involving one of your vehicles, the cost of the vehicle damage is covered, and you are protected in case of legal action that may be taken against your business.

 

  • Manufacturer’s E & O: Protects you if a manufacturing error leads to product malfunction that causes loss to your customers.

 

  • Workers Compensation: If one of your employees gets hurt on the job, this will help to cover medical costs, lost wages, and return-to-work support.

 

  • Umbrella: This additional layer of protection ensures that you are covered beyond general liability and commercial auto coverage in the case of a large lawsuit or claim.

 

Manufacturing Insurance | R&R Insurance Group

With R&R Insurance Group’s risk control services, you can learn to prevent accidents. We can assess your manufacturing business to identify vulnerabilities and come up with practical, sustainable changes that will mitigate risk and safeguard your people, property, and profits.

 

With R&R Insurance Group’s dedicated staff, you can expect to receive the ideal outcome on every claim. We are always here when you need us to do what’s right, offer practical solutions, and ensure that everything goes as smoothly and easily as possible. We can address your concerns through the life of the claim, so you can focus your attention where it is really needed—on your thriving business.

Call us today, (706) 991-9832, for a no strings attached Free Risk Assessment of your business.

We will review and offer solutions:

Donnan Oyler R&R Insurance Group
  • Loss Controls

  • Worker’s Compensation Discounts

  • Reduce Premiums

Name *
Name
Phone
Phone

Hospitality Insurance That Keeps You Protected 24/7

Insurance for the Hospitality Business

When you work in the hospitality business, you need protection 24 hours a day, seven days a week. The independent risk managers of R&R Insurance Group understand the far-reaching impact that unforeseen events like a flood or elevator malfunction can have on your business. We may have the expertise, but we also take the time to get to know the individual complexities of your business, so that we can offer the ideal protection for you, your staff, your guests, and your financial future.

We provide coverage that is customized to the unique characteristics of the hospitality business and to your unique situation and goals. Whether you are a small B&B or a nationwide chain of resort hotels, we can offer you the kind of security that allows a business to thrive.

Bed & Breakfast | Hospitality Insurance by R&R Insurance Group

 

Coverage Customized for You by R&R Insurance Group

  • Guest Property in Safe Deposit Box- You want your guest’s property to be protected as closely as your own, and we can make sure that happens whenever your guests use a safe deposit box at your place of business.

 

  • Umbrella- If a guest is seriously injured by a slip and fall on your premises, and requires multiples surgeries that prohibit them from working, we can provide liability coverage above your primary limits.

 

  • Guest Emergency Evacuation Expense- We can cover any expenses incurred due to emergency evacuations directed by a civil authority.

 

  • Bodily Injury Redefined- Our coverage can address costs related to any sickness, disease, death, injury or mental anguish experienced by an individual while on your premises.

 

  • Food Contamination and Associated Coverage- If food contamination leads to a mandated closing from the Board of Health, we will cover the cost of replacing contaminated goods and cleaning your equipment and kitchen. Additional expenses can be covered as well, such as advertising to restore your reputation.

 

  • Damage to Patron’s Vehicles- Your guest’s vehicles and the contents inside will be covered when they are left in the control, custody, or care of a hired parking attendant.

 

  • Lock Replacement and Lost Key Coverage- With today’s digital locks and magnetic stripe readers, the cost of replacing keys, installing and programming new locks, or rekeying or reprograming locks to accept new keys can be considerable, but we can cover you in the event of a damaged or lost master key.

 

  • Equipment Breakdown- Not only will we cover the repair or replacement of any lost or damaged equipment you need to run your business, we can cover your loss of income in case of a temporary shut-down of all or part of your business, as well as the cost of utility service interruption, extra expenses incurred, or contaminated or spoiled products.

 

  • Medical Payments- Whether or not you are legally liable, we can cover the medical expenses of a customer who gets injured on your premises.

 

  • Each Location General Aggregate Limit- If you have a portfolio of multiple hotel properties, we can apply the general aggregate limit separately to each location you rent or own.

 

Your business is one of a kind, and it needs better than cookie-cutter coverage. We take the time to get to know your unique hospitality business so that we can provide you with customized coverage that will protect your best interests.

Hotel/Motel Insurance Coverage | R&R Insurance Group

 

Protecting You by Dealing with Accidents Before They Happen

As independent risk management advisors, R&R Insurance Group works with you to protect your income, property, and employees, by conducting a smart assessment of your business and any potential exposures to risk. We then make practical recommendations that allow you to mitigate those risks and avoid problem situations before they can occur.

Insurance for Motels | R&R Insurance Group

 

R&R Insurance Group Provides the Best Possible Result for Every Claim

Donnan Oyler | R&R Insurance Group

Our job is to be there when you need us, provide you with advice and solutions, and make all aspects of the insurance claims process as smooth as possible. We will manage your claim with experience, knowledge, and courtesy. We keep the lines of communication open and will always make sure to inform and reassure you so that you can concentrate on business as usual, confident that we will deliver the best possible outcome.

Call us today, (706) 991-9832, for a no strings attached Free Risk Assessment of your business.

We will review and offer solutions:

  • Loss Controls

  • Worker’s Compensation Discounts

  • Reduce Premiums

Name *
Name
Phone
Phone

6 Essential Boating Tips To Keep Your Kids Safe On The Lake

6 Essential Boating Safety Tips for Parents and Grandparents

 

For families in Georgia’s Lake Country, boating is a major element of summertime fun. To ensure that you and your loved ones continue to enjoy summer boating for decades to come, you have to understand the rules of boat safety.

 

Wear a life jacket, and make sure it fits.

This tip is first for a reason. Not only is it one of the most important rules for boat safety, it is also too frequently ignored. Too many people skip life jackets because their children are good swimmers, but there are a hundred different kinds of accidents that can happen out on the water that will interfere with your child’s ability to swim.

Lifejacket Safety | R&R Insurance Group

Get a U.S. Coast Guard approved life jacket (not a tube or water wings) and make sure it is buckled up and fits snugly—e.g., it shouldn’t hit your child’s ears or chin when they raise their arms in a touchdown signal. Don’t bring babies out onto a boat until they are large enough to wear their own snugly-fitting floatation device, and always hold them in your arms while wearing your own life jacket—car seats sink.

Go over the rules in depth.

Explain boat safety guidelines like no running on the boat, and always stay inside while the motor’s running, to children in advance, but explain the reasons behind the rules, too. Kids are more likely to remember and obey if they understand what could happen if they don’t.

Essential Boating Tips  | R&R Insurance

Don’t drink and boat.

This boating safety rule is pretty simple. Fatal boating accidents happen every summer, and most of them are due to boating under the influence.

Take a CPR class.

Learning CPR is useful, and it can actually be a fun activity for the whole family.

Choose swimming spots wisely.

Be careful about letting children swim in areas with lots of jet skis and water-skiers zooming past, and make sure they understand that swimming in a lake is not the same as swimming in a pool. There are sunken trees, rocks, and other unseen obstacles under the water, so it’s important to always be cautious and to let an adult check out a swimming area first.

Think carefully about what responsibilities your children can handle.

Whether it’s letting your teenager drive the boat, or letting your child swim without you by their side, you need to carefully and honestly consider if your child is prepared for that level of responsibility. If you decide they are, go over the rules, then ask them to repeat the rules back. They will probably be annoyed, but it will help them remember what to do to stay safe.

 The Oyler Family

The Oyler Family

Thanks so much for taking the time to read over these very important boating and water safety tips.  We wish everyone a fun and safe summer on the lake!

If you are looking for marine or personal watercraft insurance, please feel free to call us (706) 991-9832 or online by clicking here.

Donnan Oyler, President

Construction Insurance Policies (You Needed Yesterday)

Artisan Contractor Insurance for your Business

 

The foundation of success in any business is security and stability. For a contractor, that means partnering with independent risk advisors like those at R & R Insurance Group. We understand how important it is to keep things running smoothly on a project, even in the face of equipment malfunction, employee injury, or job site accidents.

We safeguard your workers, your projects, and your financial future with customized insurance coverage designed to fit your business’s unique needs and goals.

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Property Insurance

 

  • Contractor’s equipment- coverage protecting the equipment used on projects, both while on the job site, and in transit or in storage. From hand and power tools to generators and compressors, we provide options to cover the value of loaned, rented, or owned contracting equipment.

 

  • Builder’s risk- coverage that protects your supplies, materials, and the structures you work on for all kinds of jobs from beginning to end.

 

  • Contractor’s amendment of pollution exclusion- this coverage protects your liability for property damage or bodily injury related to the accidental pollution of a job site by the contractor.

 

  • Equipment breakdown- If your equipment malfunctions, breaks down, or is lost or damaged, this coverage not only covers repair or replacement, it compensates you for the loss of income you may experience due to work delays, the value of contaminated products, or any unforeseen expenses incurred as a result of the breakdown.

Contractor Insurance Policies | R&R Insurance Group

 

  • Employees’ tools- insurance covering the loss or damage of employee-owned tools, up to $1,000 per tool and $25,000 per occurrence.

 

  • Property off-premises-  coverage that protects your business property while it is away from the described premises. This can be expanded to include electronic data up to $50,000.

 

  • Installation- business property insurance that also covers property you intend to install somewhere away from your primary location of business.

 

Liability

 

  • Contractor’s errors and omissions- coverage against claims for damages that result from an error or omission made by you or an employee in your work. Provided on a claims-made basis, this coverage has available limits up to $1,000,000/$1,000,000.

 

  • Additional insured- blanket additional insurance coverage required by permit or contract agreement, covering those for whom you work, business equipment, or the people from whom you rent or lease your business premises.

 

  • Primary noncontributory- to help you comply with construction contracts which require it, we offer primary and noncontributory coverage for an additional insured.

Landscape Company Insurance policy | R&R Insurance Group

 

  • Limited pollution –liability coverage for property damage or bodily injury caused by the use, application, or storage of herbicides, pesticides, or fertilizers by landscape gardeners.

 

  • Construction projects- with a general aggregate per project, this coverage applies to individual construction projects with separate aggregate limits.

 

Additional Coverages

 

  • Workers compensation- coverage for an injured employee’s medical costs and lost wages, including return to work support, for jobsite or workplace injuries.

 

  • Cyber liability and data breach- coverage for the cost of securing legal defense, notifying affected clients, and managing public relations if any sensitive data is compromised.

 

Commercial Vehicle Insurance | R&R Insurance Group
  • Commercial automobile- vehicle insurance that covers physical damage, as well as liability in the case of collisions or accidents.  

 

  • Umbrella- coverage that goes beyond general liability and commercial auto limits, to provide additional protection for your contracting business in the event of a lawsuit or large claim.

Protecting You by Dealing with Accidents Before They Happen

 

As independent risk management advisors, R&R Insurance Group works with you to protect your income, property, and employees, by conducting a smart assessment of your business and any potential exposures to risk.

Free Risk Assessment by R&R Insurance Group

We then make practical recommendations that allow you to mitigate those risks and avoid problem situations before they can occur.

 

R&R Insurance Group Provides the Best Possible Result for Every Claim

Our job is to be there when you need us, to provide you with advice and solutions, and to make all aspects of the insurance claims process as smooth as possible. We will manage your claim with experience, knowledge, and courtesy.

We keep the lines of communication open and will always make sure to inform and reassure you, so that you can concentrate on business as usual, confident that we will deliver the best possible outcome.

 

Call us today, (706) 991-9832, for a no strings attached Free Risk Assessment of your business.

Donnan Oyler Image.jpg

We will review and offer solutions:

  • Loss Controls

  • Worker’s Compensation Discounts

  • Reduce Premiums

Name *
Name
Phone
Phone

Restaurant Insurance Policies You Need (ASAP)

Getting started in the restaurant business is exciting, and possibly a little bit scary. Making sure that you are thoroughly covered in the event of unforeseen disaster will not only safeguard your future, it will give you peace of mind in the present.

Restaurant Insurance Policies Needed ASAP

The Business Owner’s Policy

All businesses, no matter the type, need to be covered by a Business Owner’s Policy, which is a combination of three essential types of business insurance: Property, Liability, and Loss of Income.

Property Insurance

Property Insurance will protect you against damage to restaurant property. If a leaky pipe rots the flooring by the dishwasher, or a freak hail storm tears up your roof, you will be able to afford the necessary repairs and replacements.

General Liability Insurance

General Liability Insurance covers you in the case of a customer claiming bodily injury or damage to their property due to their interaction with your restaurant, e.g. a broken leg from a slip-and-fall accident, or a full-length fur that gets damaged in the coat room. These kinds of claims can range from less than a hundred dollars to multi-millions, so you’ll want to be prepared.

Loss of Income Insurance

Loss of Income Insurance protects you so that a disaster such as flood or fire won’t put you out of business. A big enough property insurance policy may allow you to rebuild your restaurant from the ground up, but it won’t make up for the loss of income you’ll experience during construction.

Food and Drink Policies

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Insurance coverage related to food and drink protects the heart of what gives your restaurant meaning.

Food Contamination Insurance

Food Contamination Insurance will cover your costs if you have to replace all your produce due to an e-coli recall, or if all the meat in your refrigerator goes bad after a power outage in the heat of August.

Liquor Liability Insurance

Liquor Liability Insurance protects you in case a customer who gets drunk at your establishment causes accident or injury due to intoxication after they leave.

Employee Theft Insurance

Employee Theft Insurance

Employee-related Insurance

Employee Theft Insurance covers all forms of employee dishonesty, from inventory stolen from you, to a credit card number stolen from a customer.

Worker’s Compensation Insurance

Worker’s Compensation Insurance is required in Georgia for any business with three or more employees, and that’s a really good thing. Anyone could get injured on the job—even you—and this coverage will make sure that all those unexpected medical and rehabilitation bills are paid for.

Employment Practices Liability Insurance

Employment Practices Liability Insurance protects you in case a former employee sues you for improper termination, discrimination, or harassment. Considering the high turnover rate in the restaurant industry, this is smart coverage to have.

Vehicle Insurance

Commercial Auto Insurance

This one may or may not apply to you, but if you have any company vehicles, or if your restaurant delivers food to customers, you’ll need Commercial Auto Insurance.

R & R Insurance Group can help you find the right combination and level of insurance coverage for your restaurant, making sure your dream stays a reality for you and your hungry customers.

 If you have any questions regarding your current policies, please feel free to reach out to me.

Thanks for reading,

Donnan

Donnan G. Oyler, President
Email: Donnan@rrinsurancegroup.com
Phone: 706-991-9832

10 Shocking Things Covered by Your Homeowners Insurance

Might Surprise You!

Volcano Eruption

Homeowner’s Insurance doesn’t only protect your assets, it protects your day to day quality of life, by making sure you will continue to have a safe and comfortable place to lay your head. Some of the things it covers are only a little unexpected, such as loss of use, which will pay for storage, transportation, hotels, and any other expenses incurred because you’re unable to live in your home while it’s being repaired. Some other things covered by your homeowner’s insurance are downright shocking—like the volcanic eruption that made your home unlivable in the first place.

Keep in mind that homeowners insurance policies aren’t made on an assembly line in a factory, so don’t gamble on anything being automatically included, or on the coverage limits or deductibles automatically matching up with your preferences. Talk to your insurance agent to be sure that you have the volcano coverage that you need.

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Animal Stampedes

It may sound like an animated cartoon scenario, but animal stampedes do happen, and when they do, you’re going to need some serious cash to cover the damages.

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Crime Scene Cleanup

Let’s say a murderer breaks into your home while you’re on vacation and uses it for a two-week killing spree. There’s going to be a lot of blood, and when the police are done processing, you’ll be left with the cleanup—and this is going to be some really nasty cleanup. The good news is there are professionals who do this for a living, and your homeowners insurance will foot the bill.

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Identity Theft

This one is a little easier to imagine happening—in fact, most of us genuinely fear of having our identities stolen. If it does happen, and your homeowner’s policy covers it, you’re all set to call the best lawyer in the field without worrying about the hourly rates.

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Riots

No one expects a riot, but they do happen, and if your home is caught in the middle of one, there’s going to be a big mess.

slander

Slander

Have you ever put your foot in your mouth in such a major way that you briefly feared you might get sued? Well, many homeowners policies will cover a slander lawsuit, even if you badmouthed someone while away from home.

 

Counterfeit Money

Counterfeit Money

Counterfeit money may seem like another cartoon scenario, but if you’ve ever had a retail worker use a money marker to verify a fifty-dollar bill, then you’ve seen proof that counterfeit money is an actual, real-life problem.

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Kidnap and Ransom

With number seven, we’ve moved from cartoons to action movies—but kidnapping does happen, and if it does, you might be asked to come up with a huge amount of money very fast. In 2012, the average ransom demand was two million dollars. Odds are, your policy doesn’t currently cover this. But if you or your family members frequently travel, you might want to talk to your insurance agent about adding it.

 

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Bites

Even the sweetest, cutest pets can sink their teeth into someone they view as a threat, but the parents of an injured five-year-old boy are not going to care that their little darling was trying to pick up your cat by her tail and swing her around his head at the time of the bite.

 

Home explosion

Explosions

Action movies again! And yet, explosions could theoretically happen to anyone. Thankfully, explosion coverage comes standard on most insurance companies’ homeowner policies.

 

Meteorite shower

Meteorites

This one sounds like science fiction, but meteorites are literally out there, and can come plummeting to earth, creating enormous craters, at any time. The Lonar Crater in India was formed by a two-million-ton meteorite 50,000 years ago, and if a similar meteorite hit your home today, you probably won’t be too comforted to know that in a few thousand years the crater may be filled with beautiful blue water and surrounded by a lovely forest and charming wildlife. Of course, how you feel about it will depend a lot on whether you were home at the time of impact…


Homeowner’s insurance can save your financial life, and calm your nerves in some of life’s most stressful situations. It’s comforting to know that whether your jewelry was lost on a trip, or the prize piece in your art collection was stolen from your living room, or lightning struck your roof and burned out the whole top half of your house, your insurance coverage will fund replacements and repairs.

How many of these 10 crazy incidents that could be covered by your Homeowners Insurance... did you know?  If you have any questions regarding your current policy, please feel free to reach out to me.

Thanks for reading,

Donnan

Donnan G. Oyler, President
Email: Donnan@rrinsurancegroup.com
Phone: 706-991-9832

ADDITIONAL ARTICLES OF INTEREST

Lower Your Rates and Save Lives at the Same Time

We're all in this together...

Distracted driving is the greatest cause of auto rate increases in the Southeast—and a rates increase is one of the best things that can happen out of a distracted driving accident. You could total your car, injure yourself or others, or worse—in fact, according to the DMV, distracted driving accounts for nine deaths every day.

Although anything that takes your attention from the road qualifies as distracted driving—eating, changing music, putting on makeup—one of the most common and most dangerous distractions is talking or texting while driving. We are trained to jump every time our cell phones make a noise, so it can be difficult to resist responding, even in situations where we know we shouldn’t. Luckily, there’s an app for that.

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LifeSaver

This app’s GPS monitoring and reward system can not only help you break your distracted driving habit, it can provide family members of teens or elderly drivers with more peace of mind. LifeSaver blocks you from using your phone while driving, and then notifies loved ones after you arrive at your destination. There is also a dashboard where parents can set up rewards that their teens can earn with safe driving behavior.

 

Mojo

This free app automatically tracks the car trips you take, giving you points for every minute that you resist typing, swiping, or taking calls. At 300 points, you get to spin a prize wheel that gives you the chance to win gift cards to Starbucks, Amazon, or Dunkin’ Donuts. Another plus to Mojo is that you can invite friends to compete with you in a safest driving contest.

 

TrueMotion Family

This is another free app that tracks how safely you’re driving, giving you a trip score that rates your drive and points out moments when you were likely driving distracted. TrueMotion Family can also compare driving scores within families and show you real time locations for family members, as well as trip history—a big plus for parents of teen drivers.

 

AT&T Drive Mode

This free app will block calls and texts as soon as your car reaches 25 mph, and will send a customizable reply to incoming emails, calls, and texts, letting people know that you can’t respond because you’re driving. You can also create an allow list of five contact numbers that the app won’t block, and 911 can be contacted with one touch at all times.

 

Apple’s Do Not Disturb While Driving

This one isn’t an app, but rather a built-in iPhone feature that’s free, easy to use, and automated. All you have to do is go into settings and enable the feature, and your phone will silence all notifications, calls, and messages while you are driving, although it will allow calls to come through on hands-free calling. You can customize an automatic reply that will go out to anyone trying to reach you, and in cases of emergency, the person can reply “urgent” to the automated message and you will be notified. Otherwise, all messages and notifications will be hidden from you until you pull over or reach your destination. If you are a passenger in the vehicle, you can just tap “I’m Not Driving” and be free to use your phone.

We hope that you will take advantage of one of these five apps to ensure safer driving for you and your family.  If you would like to learn more about how you can help keep your family safe and lower your auto insurance rates, please call us today at (706) 991-9832 or email us at info@rrinsurancegroup.com.

 

Donnan  Oyler

President