Here are a couple of You Tube videos that will give your a feel of what Auto-Owners is all about. As a company they have a AM Best rating of A+++. They have also been ranked #1 in customer satisfaction by J.D. Power for 2008 and 2009!

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Here is a You Tube video from the Georgia Department of Insurance that does a great job explaining why this is important. Please feel free to contact one of our agents at (770) 339-0447 if you have any further questions.

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This is a great question! Many of the companies that we represent have 24 hour claim service. If a claim happens during regular business hours please call us at (770)339-0447 for assistance.

Here is a list of the numbers for all of our Insurance Claims Centers:

Safeco

· All Claims # 1-866-472-3326

Hartford

· Personal Claims # 1-800-243-5860
Commercial Claims # 1-800-327-3636

Travelers

· All Claims # 1-877-878-2468

Auto-owners

· All Claims # 770-339-0447

Guide One

· All Claims # 1-888-748-4326

Progressive

· All Claims # 1-800-274-4055

Hanover

· All Claims # 1-800-628-0250

Infinity

· Auto Claims # 1-800-852-8888
· Commercial Auto # 1-800-722-3391

Mendota

· All Claims # 1-800-422-0793

Victoria

· All Claims # 1-800-347-7930

Kemper

· All Claims # 1–888–252–2799

Here are the contact phone numbers for our Life & Health Insurance companies:

Assurant Health Plans

1-800-553-7654

Blue Cross Blue Shield Health Plans

1-877-868-7950

Celtic Health Plans

1-800-477-7870

Kaiser Permanente Health Plans

1-800-611-1811

Symetra Life Insurance Company

1-800-796-3872

Humana

1-800-967-9873

Cigna

1-800-244-6224

Many of our Insurance companies have the ability to accept payments by phone or credit card. Here are the contact numbers to reach the payment centers:


SAFECO

* All questions call 1-866-472-3326

Hartford

* All questions call 1-800-243-5860.

Travelers

* All questions call 1-877-878-2468

Auto-Owners

* All questions call the agency at 770-339-0447
* Payments 1-800-288-8740

Guide One

* All Questions call 1-877-448-4331

Progressive

* All questions call 1-800-274-4055

Infinity

* All questions call 1-800-852-8888

Mendota

* All questions call 1-800-442-0792

Foremost

* All questions call

Victoria

* All questions call 1-800-888-8424

Hanover

* All questions call 1-800-922-8427

To CHANGE a car on your policy please call or email us the following:

* Your name and policy number
* Your phone number
* Year, make and model of the car to be added
* Vehicle Identification Number (VIN number)
* Driver's date of birth and license number
* Date you want this change to be effective
* Name that will be on title
* Name and address of loan or lease company
* What coverage do you want on the new car
* Year, make and model of the car to be removed

To ADD a car to your policy please call or email us the following:

* Your name and policy number
* Your phone number
* Year, make and model of the car to be added
* Vehicle Identification Number (VIN number)
* Driver's date of birth and license number
* Date you want this car added to your policy
* Name that will be on title
* Name and address of loan or lease company
* What coverage do you want on the new car

To REMOVE a car from your policy please call or email us the following:

* Your name and policy number
* Your phone number
* Year, make and model of the car to be removed
* Date you would like the car removed

Our phone number is (770) 339-0447 or email us at email@cowartinsurance.com

Life insurance is a crucial step in planning for your future. Not only can life insurance fulfill promises made to your family if you are no longer around, there are several life insurance policies that provide benefits while you are living.

Determining Your Need
The need for life insurance is dependent on your own personal and financial needs. We can assist you in determining what type and amount of life insurance is appropriate for you. Generally, you should consider life insurance if:

* You have a spouse
* You have dependent children
* You have an aging parent or a physically challenged relative who depends on you for support
* Your retirement savings are not enough to insure your spouse's future against a rising cost of living
* You have a sizable estate
* You own a business

There are benefits of life insurance other than providing for your loved ones in case something happens to you:

* The cash value earned and borrowed from a permanent life insurance policy can be used to help with large expenses, such as a college education or down payment on a home.
* The growth of a cash-value policy is tax-deferred -- you do not pay taxes on the cash value accumulation until you withdraw funds from the policy.
* Life insurance can be used to cover funeral expenses and pay estate taxes -- consult your tax advisor agent for more information.

Life Changes - So Should Your Policy
Your need for life insurance is dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change as well to adapt to your current needs. Some life changes that may require a policy "tune-up" include:

* You recently married or divorced
* You have a new child or grandchild
* Your health or your spouse's health has deteriorated
* You are providing care or financial assistance to a parent
* Your child or grandchild requires assistance or long-term care
* You recently purchased a new home
* You are planning for a child or grandchild's education
* You are concerned about retirement income
* You have refinanced your home mortgage in the past six months
* You or your spouse recently received an inheritance

The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one. This is an important insight into why your Dwelling (Coverage A) limit is so important.

Deciding How Much Insurance is Enough

We'll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed.

It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home's true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy. Ask us if Home Replacement Guarantee or Extended Dwelling Coverage, is available in your state.

Once a review of your home and possessions indicates you are properly insured, it's a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements.

Be Sure You Have Enough Insurance

Here are some steps you can take to reduce the danger of being seriously underinsured:

Call us. If you have questions or concerns about the limits in your policy, ask us to show you how those amounts were calculated. This will also give you an opportunity to make us aware of any overlooked information.

Read your policy. Items such as Jewelry, Fine Arts or Colletibles, are better insured separately. Certain perils, such as earthquake or flood, are not covered under a standard policy and must be purchased as additional coverage. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don't understand, contact your agent and ask for an explanation.

At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement.

Consider carefully whether your policy provides all the protection you need. Does it provide coverage for extra costs resulting from building code changes? Does it automatically increase coverage limits annually to keep pace with inflation? Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?

Find out whether your insurance company will stand behind agreed upon repairs after a claim. Some companies are willing to put this guarantee in writing.

Does your policy include replacement cost coverage for contents (clothing, furniture, appliances, and other personal property inside your home)? If not, you can add it by endorsement. The cost is small, the protection valuable. Replacement Cost Coverage pays for losses to your possessions at the cost of brand new items. Without this option, a covered loss to your personal possessions would be depreciated by their age and condition, reducing the size of your claim settlement.

If you have an art collection, antique furniture, jewelry, or other valuable possessions, talk to your agent about supplemental coverages, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection, and often the deductible is waived.

Consider whether you should have more coverage for personal property (contents) than your policy provides. Personal property coverage is usually 70% of the coverage limit for the structure. Your limit may be lower than 70%. Supplemental protection is available for a small additional premium.

Prepare an inventory of personal property items, update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything damaged or destroyed if you need to make a claim. It will also help ensure you don't forget some items. We can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room with descriptive information on the sound track.

Besides making sure you have enough protection to cover possible damage to your own home and contents, you should also evaluate your exposure to liability risks. These result from damage to the property of another, or injury to a person, not a member of your household, for which you can be responsible. In recent years it's become common for homeowners to be sued for injuries or damages to others, even when there is no evidence of negligence by the homeowner. The reality today is if you have any appreciable assets, you are exposed to the risk of being sued. Even if you ultimately prevail in court, your legal fees and the months or years of worry and uncertainty can be a terrible burden on you and your family.

The Personal Liability coverage provided by your Homeowners Policy usually provides a limit of $100,000 or $300,000. We recommend increasing this protection with a personal umbrella policy. Not only will it increase your personal liability, but also your auto liability. Limits are available from $1 million to $10 million and beyond. The cost of this coverage is usually very reasonable.

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.

So what do you need? It depends on your specific situation. Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.

Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.

Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.

Keep in mind that many states require certain minimum levels of coverage. We'd be happy to talk with you about these and other factors.

There are a number of things you can do to lower the cost of your automobile insurance. The easiest thing to do is ask us to get quotes from several companies for you.

It is not uncommon to find quotes on automobile insurance that can vary by hundreds of dollars for the same coverage on the same car. When you shop, be careful to make sure each insurer is offering the same coverage.

Another way to lower the cost of your automobile insurance is to look for any discounts for which you may qualify. For example, many insurers will offer you a discount if you insure multiple cars under the same policy, or if you have had a driver education class in the last five years. Be sure to ask us about their discount plans.

Another easy way to lower the cost of your automobile insurance is to increase the deductible. Simply raising your deductible from $250 to $500 can lower your premium sometimes by as much as five or ten percent.

There are a number of factors to consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when purchasing automobile insurance.

1. Base your decision on value. This is more than simply the lowest price. The premium you pay should be compared to the claims and policy service, protection and advice you receive. Independent agents, and the companies we represent, deliver excellent value.
2. Purchase the amount of liability coverage that makes sense to you.
3. You should decide which optional coverages you want. For example, do you want optional physical damage coverages or is the market value of your car too low to warrant purchasing them.
4. Once you have decided what you want in your automobile insurance policy, you can now decide from whom you would like to purchase the insurance from.

By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.

Whenever you knowingly loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy, subject to any driver exclusions on your policy.

Most likely your mortgage company is offering something called "mortgage protection life insurance" or "decreasing mortgage protection" or a similar title. This sort of protection is a basic term life insurance policy that usually has a level premium, but the death benefit pays off your mortgage loan at your death. This level premium may or may not reflect the decreasing death benefit. What that means is that you will be paying the same premium each year for a death benefit that is decreasing over time (as your mortgage decreases with payments). This is the case with any sort of "credit life insurance", insurance taken out in conjunction with an installment loan. There may be better alternatives. You should talk to your insurance professional before purchasing any type of coverage to see what other alternatives are available.

That's great, and it's wonderful that you are fortunate enough to have an employer that recognizes the value of life insurance coverage for you and your family. Be sure to find out from your employer if this coverage is 'portable', meaning you can take your policy with you when you leave the company or become disabled. Not all policies are portable. When talking to your insurance professional, be sure that he or she knows you have this type of coverage so that can be factored into any determination of your additional needs.

Your priority is to provide for your family. This should be your priority when considering life insurance as well. You must have the means to take care of your financial obligations, as well as providing care for your children should your spouse die.

The opportune time to buy life insurance for your children is when they are young and the rates are low. This enables them to continue the coverage when they are grown with financial obligations of their own. This also protects their "insurability", should they develop any sort of health problem later in life. There are many types of policies that can be made into "family plans" at a lower cost than separate coverages for each individual. Talk to your insurance professional to determine your needs.

As a "rule of thumb" you should purchase an amount of life insurance equal to 6 to 8 times the annual earnings. However, many factors should be taken into account in determining a more precise estimate of the amount of life insurance needed. Important Factors include:

1. Income sources (and amounts) other than salary/earnings
2. Whether or not the individual is married and, if so, the spouse's earning capacity
3. The number of individuals who are financially dependent on the insured
4. The amount of death benefits payable from Social Security and from an employer sponsored life insurance plan
5. Whether any special life insurance needs exist (e.g. mortgage repayment, education fund, estate planning need) etc.

It is recommended that a person's financial professional be contacted for a precise calculation of how much life insurance is needed.

The answer will vary depending on your circumstances, need for the coverage, timing of the purchase and how much you are willing or able to spend. The best way to determine the right policy is to sit down with a qualified insurance professional to review the key points of your particular situation. This can be done through a very short (30 minutes or less) interview to determine your needs.

Q: Are Kemper, A Unitrin Business, and the so-called “Kemper Insurance Companies” affiliated?
A: No. There is no affiliation between Kemper, A Unitrin Business and Kemper Insurance Companies.

Q: Who are the Kemper Insurance Companies?
A: Kemper Insurance Companies is the “doing business” name of Lumbermens Mutual Casualty Company and its affiliates (“Lumbermens”). Back in 1923, Lumbermens formally adopted the name “Kemper Insurance Companies” to represent its insurance business.

Q: Who is Kemper, A Unitrin Business?
A: In 2002, Unitrin acquired certain assets, including the renewal rights to most of the personal lines property and casualty business of Lumbermens, as well as a license to use the Kemper name. The resulting Unitrin business segment became known as Kemper Auto and Home, which was later re-branded as Kemper, A Unitrin Business. At that same time, Unitrin also acquired Kemper Independence Insurance Company, which is also now part of Unitrin’s Kemper business segment and no longer part of Kemper Insurance Companies.

Q: Why do Kemper, A Unitrin Business and Lumbermens share the Kemper name (or mark) if they are not affiliated?
A: The Unitrin family licenses the registered trademark “Kemper,” for personal lines insurance only, from Lumbermens. Unitrin’s license runs for a total of 100 years, ending in 2104.

Q: What is the financial position of Kemper, A Unitrin Business?
A: All of the companies that are part of the Unitrin, Inc. business segment called Kemper, A Unitrin Business have a financial rating of “A-” (Excellent) by A.M. Best.

Q. What is the current status of Lumbermens?
A: Lumbermens (Kemper Insurance Companies) stopped writing new business in 2003 and has been voluntarily running off all of its remaining property/casualty business (mainly commercial lines) since then under supervision of state insurance regulators.

Q: What, if any, business implications are there on Kemper, A Unitrin Business resulting from the financial issues confronting Lumbermens?
A: When Lumbermens sold its personal lines business to Unitrin in 2002, Kemper, A Unitrin Business agreed to adjust claims on a block of personal lines policies that were not included in the sale and which remain the financial responsibility of Lumbermens. Today, Kemper, A Unitrin Business is only adjusting a very small number of these claims (about 250 on nationwide basis).

The financial status of Lumbermens in no way impacts our business or financial condition and we intend to continue to provide outstanding service to our more than 750,000 policyholders nationwide, as well as our 2,900 agents.

Kemper, A Unitrin Business is a proud member of the Unitrin family. Unitrin, Inc., a NYSE-listed company, is one of the nation's leading financial services providers. Unitrin is a diversified insurance holding company, with subsidiaries that provide life, health, auto, homeowners and other insurance products for individuals and small business.

We at Kemper, A Unitrin Business are thankful for our financial success and to all our good agents who offer our strong insurance products to our valued customers. Should you have any further questions regarding this situation, please feel free to contact Lynette Sabia, Counsel, at (904) 245-5628 or lsabia@eKemper.com.
(c) Kemper, A Unitrin Business. All Rights Reserved.
Visit us at www.eKemper.com

Yes, We have insurance designed to cover your wedding! It is written by Travelers Insurance Company. It is called a "Wedding Protector Plan". It is designed with you in mind. Click on the link below to start the quoting process: