In the complex world of business operations, unforeseen events can lead to liabilities that exceed the limits of your existing insurance policies. This is where Commercial Umbrella Insurance comes into play, offering an...

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To ensure your employees get help when they need it, one benefit you should strongly consider offering is an employee assistance program. Your employees are the foundation of your company. They can make or break your...

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Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

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Your home's gutters play a crucial role in protecting your property from water damage. They channel rainwater away from your roof, walls, and foundation, preventing potential structural issues and costly repairs....

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The shift towards remote work has introduced numerous benefits for businesses worldwide, including increased flexibility and reduced overhead costs. However, this shift also presents new challenges in data security and...

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As a homeowner, protecting your investment extends beyond the structure of your home. It also includes safeguarding essential systems and addressing potential risks. Two valuable insurance coverages you may want to...

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When you notice something's not quite right with your roof-maybe a few shingles have gone AWOL, or there's a suspicious drip during a rainstorm-you're faced with a big decision. Should you patch things up with a repair,...

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In the commercial auto industry, safety is paramount. Not only does it concern the well-being of drivers and the public, but it also significantly impacts operational costs and company reputation. With advancements in...

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Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

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As summer winds down and the new school year approaches, it’s time to start thinking about how to set your child up for success. Preparing in advance can help ensure a smooth transition and make the school year...

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Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees. Does your small business...

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We all want our kids to live long, healthy lives, which is why child life insurance may not feel like a top priority. It’s worth considering, though, as it can lock in low rates and act as an investment vehicle for your...

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Homeowner insurance rates have been on the rise, causing concern among policyholders who are seeing their premiums increase year after year. Several key factors contribute to this trend, including economic pressures,...

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Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

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Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

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Workers' compensation insurance is a fundamental aspect of running a business, providing vital protection for both employers and employees. This insurance covers medical costs, rehabilitation, and lost wages for...

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Energy efficiency has become a paramount consideration for homeowners looking to create comfortable, eco-friendly, and cost-effective living spaces. Windows and doors play a significant role in your home's energy...

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Summer is when kids love to be outdoors and enjoy various activities. However, it's important to ensure their safety and health during the summer months. Here are some tips for keeping children safe and healthy during...

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Auto insurance rates have been climbing steadily in recent years, leaving many policyholders puzzled and concerned about their rising premiums. Several key factors are driving these increases, ranging from economic...

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As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential....

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The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful...

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Boat insurance claims statistics can provide valuable insights into the types of incidents that commonly occur on the water and the importance of having comprehensive coverage. Here are some key boat insurance claims...

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RVing is becoming one of the most popular ways to travel. A successful and safe RV trip takes preparation and planning to make it a good experience. Whether you are new to RVing or not, these tips can help ensure that...

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Sheet pan dinners are a lifesaver for busy individuals and families. They offer a convenient way to prepare a wholesome meal with minimal effort and cleanup. All you need is a sheet pan, some ingredients, and an oven....

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Spring is just around the corner, and with it comes the promise of fresh beginnings and renewed energy. As we bid farewell to winter's cold, cozy days, it's the perfect time to rejuvenate our homes in preparation for...

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Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about...

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As the days grow longer, the arrival of spring brings with it a sense of renewal and freshness. It's the perfect time to shake off the winter dust and give your home a thorough cleaning. But beyond the usual suspects...

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Water can be a great source of fun and relaxation, but it can also be dangerous if you don't take proper precautions. Whether swimming in a pool, lake, or ocean, it's important to be aware of potential hazards and to...

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Your air conditioning (AC) system is a vital component of your home, especially during hot summer months. To ensure it operates efficiently and lasts longer, proper maintenance and safeguarding are essential. Here are...

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As the frost melts away and the first buds of spring start to bloom, it's time to shake off the winter blues and refresh our homes in harmony with the season. Spring not only symbolizes new beginnings in nature but also...

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In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

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As the days grow longer and the daffodils begin to peek from their winter slumber, we're reminded that spring in Georgia is a time of breathtaking beauty and renewal. However, it's also the season when the weather can...

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Your home is not only a significant financial investment but also a place of comfort and security. Regular home maintenance is crucial to ensure your home retains its value, remains safe, and is covered by your...

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All businesses need business insurance coverage. It helps cover the costs that might be associated with damage to property, as well as liability claims. Without the right coverage, business owners may have to pay out of...

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If you own a rental property - whether a long-term one or a short-stay place you rent out to vacationers - you want to treat it like a business, as it provides income for you. Here are six smart devices that can help...

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Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow...

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What is construction insurance? There are many types of construction insurance (also known as contractor insurance) intended to protect a property developer and other stakeholders throughout the stages of a...

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In a month that celebrates love, we don’t want to forget the citizens of our beautiful community! Where we come from is important to us and every smiling face, every small business, and every town landmark holds a...

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If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine...

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When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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Auto insurance is a staple for every driver, providing essential protection in times of need. While many are familiar with the basics, there are intriguing aspects of auto insurance that often go unnoticed. In this blog...

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As we step into the new year, it's an opportune time to reflect on the past and plan for the future. One aspect often overlooked in our resolutions is safeguarding the valuable possessions that bring joy and meaning to...

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As the year draws to a close, many people begin to reflect on their lives and set goals for the future. This is often a time when people focus on their physical health, but it's also important to consider your financial...

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Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage...

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Your home insurance policy is a vital safeguard for your property and possessions. However, to ensure that it adequately protects you and your assets, it's crucial to maintain open communication with your insurance...

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Strands of sparkling holiday lighting make your home feel merry and bright, especially on a gloomy December day. However, if installed incorrectly, they have the potential to damage your home or electrical system....

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If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their...

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Reputation management and its cousin, brand reputation management, are essential these days if your business has an online presence. Here are a few ways you can help protect your company’s reputation both on a regular...

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The holidays are a time for family, friends, fun, and food. Unexpected fires are not a popular addition to anyone’s holiday to-do list. Unfortunately, cooking-related fires make up the majority of home fires, with an...

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Life insurance is part of a responsible financial plan. And while you should feel secure knowing it will be there to meet your financial responsibilities and protect your family, there are a handful of situations where...

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Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other...

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Ceiling fans are not only functional but also play a significant role in maintaining comfort and energy efficiency in our homes. Depending on the season, the direction in which your ceiling fan blades spin can make a...

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Most people have good intentions when Pink October rolls around. They truly want to do something to help cure breast cancer. However, what most people don’t know is that buying pink ribbons or reposting Facebook games...

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If you’re opening a branch of your company in another state, congratulations! That means your business is thriving. Here are four important considerations to mull over as you expand. What Does Commercial Property Cost?...

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If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected. The...

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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to make sure...

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Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer...

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Parenting is a challenging but rewarding journey for just about anyone who embarks on the adventure. And the journey can be even more challenging when you are a single parent. This is especially true when it comes to...

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Farm insurance can be confusing. If you are a farmer, homesteader, or rancher of any kind, it is important to understand what farm insurance covers. You may be asking yourself if you need farm insurance. Consider the...

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Many insurance agents use a method called DIME to help clients determine how much life insurance coverage is needed to protect their loved ones. Debt – How much would you need to keep your family comfortable with the...

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Football season is here, and it’s time to tailgate. Whether you’re cheering on the University of Georgia Bulldogs, the Atlanta Falcons, or the Georgia Tech Yellow Jackets, we have the perfect tailgating recipes to get...

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If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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Employment Practices Liability Insurance (EPLI) covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their...

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Auto insurance is a necessary expense for all vehicle owners. It helps protect you financially in case of an accident or theft. In this blog, we'll break down the various types of auto insurance policies to help you...

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Artificial intelligence has been taking the business world by storm lately, especially with the recent releases of new AI software. Would using AI be a good decision for your business? Let’s look at the pros and cons....

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Owning your own home is a desirable goal and a source of pride. Yet home ownership also requires great responsibility. Routine maintenance, property taxes, utility payments, and insurance premiums are all common...

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Smart businesses have a plan in place to get up and running and protect their data if the worst happens. Here’s how to build a business continuity plan in case your company needs to deal with a catastrophe. Assess Your...

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If you want to reduce your risk of traffic accidents and the insurance claims that accompany them - which could cause your premium to go up - you need to drive defensively. Here are some driving tips to help you avoid...

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Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes...

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General liability, Workers Compensation, and Garage Liability insurance policies are issued on an estimated exposure basis. Our agency will review your operations with you and submit an application based on your...

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Fire can spread rapidly through your home, leaving you as little as one or two minutes to escape safely once the smoke alarm sounds. Your ability to get out of your home during a fire depends on advance warning from...

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Summer vacation is drawing to a close, and it's almost time for students to gear up for another exciting academic year. As we prepare to head back to school, it's crucial to prioritize safety. Whether you're a parent,...

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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to help avoid...

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Many insurance carriers today offer smartphone apps that track telematics to monitor driving. Here’s how they work and how these apps may help you lower your auto insurance premium, along with a few other advantages. ...

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With summer fast approaching, it's important to keep in mind the risks of sun exposure and take steps to protect your skin from harmful UV rays. Exposure to ultraviolet (UV) radiation from the sun can cause a variety of...

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If you’re hiring someone who will be doing a lot of driving for your business, you want to find someone who will maintain a stellar safety record. Avoiding accidents is essential, as it may reduce your risk of liability...

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Cybersecurity has never been more important than it is now. As we spend more time online, we’re often creating and sharing more of our personal data. And if this data falls into the wrong hands, private and financial...

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Summer is a season of joy, warmth, and vibrant celebrations. Whether you're planning a wedding, organizing a music festival, hosting a corporate retreat, or throwing a backyard barbecue, it's important to protect your...

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Being in the woods exploring can be fun and exhilarating in All-Terrain Vehicles. They are sporty and fast-paced. Nevertheless, ATV accidents and fatalities happen every year due to uneducated, unprepared, and...

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Small businesses today face many of the same challenges that larger ones do, and they're vulnerable to many of the same risks as well. One increasing danger for small businesses is cyber liability, because they're...

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As we are winding into all outdoor lovers' favorite time of the year, it is exceedingly important to note how dangerous the great outdoors really can be. When participating in adventurous activities, everyone should be...

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For most people, their home is their biggest investment. It's where they create memories with their family and friends, and it's where they feel safe and secure. However, accidents and disasters can happen anytime,...

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Summer is fast approaching and for many, that means home DIY projects are back! But that also means potential injuries and fatalities are too, if not careful. Annually, ladder-related incidents cause over 500,000...

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Water has been in short supply in many areas of the United States lately. And even if it’s bountiful where you live, you may be paying more for water than you’d like. Here are some tips for using less water and saving...

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Are you struggling to find a life insurance policy that fits your needs? Our agency may have an option for you. Some major life changes are unexpected and can impact how much life insurance coverage you may need. A...

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There is nothing more fun than a day on the lake in the sun with good music playing in the background. All boaters should be aware of the protocols recommended to stay as safe as possible on the water to enjoy the day...

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RVing is becoming one of the most popular ways to travel. A successful and safe RV trip takes preparation and planning to make it a good experience. Whether you are new to RVing or not, these tips can help ensure that...

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he flowers are blooming, the birds are serenading, and the house still feels like it's stuck with the winter blues. Spring cleaning is a tradition that allows us to freshen up our homes and get a head start on the often-...

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Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to...

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With increasing energy costs, businesses are always on the lookout for ways to save money. Did you know that you can cut heating and cooling expenses by strategically landscaping your commercial property? Here are four...

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Getting into a camper and setting off to explore a new place is very exhilarating and being one with nature is a serene experience. However, not properly preparing yourself for an RV trip can quickly turn that serenity...

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Golf carts are becoming very popular in cities throughout the South as a fun new form of transportation. A golf cart might be a great alternative to driving a car, whether in a neighborhood or small town that has golf...

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Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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If you have chosen not to purchase flood insurance to protect your home, business, farm, or outbuilding, did you know that floods are the leading cause of natural disaster-related property damage?Let’s make sure your...

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Commercial auto insurance is a must if you or your employees use vehicles for work. While this costs money upfront, it can save you in the long run. Just one bad accident without sufficient coverage can expose your...

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It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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Congratulations! You have successfully sent your children off to the next chapter of their lives, and you are ready to start your next chapter. More than likely, you have spent years preparing for this moment. You have...

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If you’re starting up or buying a new business, it’s vital to have the right insurance coverage to protect your investment and your employees’ livelihoods. But it can be confusing shopping for multiple business...

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It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would...

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Stop Wasting Energy - and Money Are you tired of high utility bills landing in the mailbox? Not sure how to lower those bills without turning your heat way down or taking cold showers? Nearly 70 percent of the average...

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As the owner or property manager of a commercial building, your fire safety protocols can mean the difference between life and death. Here’s a checklist to help you ensure your commercial property stays safe for...

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With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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If you own or manage a commercial property, you may be able to reduce headaches, expenses, and safety issues by properly maintaining the structure and grounds. Here’s a commercial property maintenance checklist to get...

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Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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Due to the pandemic, you and your team have been working remotely for the last few years. When everyone returned to the office, it was a significant change. To help your group adjust, here are five expert tips. Start...

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The holidays are upon us again, and while most people are worried about shopping for holiday gifts, others are concerned about stealing them. Package theft is becoming a bigger problem every year, and nothing can dim ...

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A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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If you own a business, no matter what size it is, you most likely need business insurance. However, just because you have commercial insurance doesn’t mean you always have the right protection. Here are four of the most...

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Suppose you're looking around for home or auto insurance; you may find the process confusing, especially if you're new to buying coverage and aren't familiar with the terminology. Here are five essential things you...

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Many startups and small businesses often forgo business insurance to save money. However, this can backfire and actually cost you more in the long run - without the protection business insurance affords. Here’s why...

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Grilling food is a fun pastime, and it’s ideal on those summer days when you don’t want to heat up the kitchen. But every year, there are accidents and home fires because people don’t grill safely. Follow these tips to...

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If you’re confused by all the different types of insurance available today, you're not alone. Learn the difference between landlord insurance and renters insurance so you can get the coverage that’s right for you. What...

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No one likes the thought of having pests in their home, whether they be rodents, cockroaches, ants, or any other common household pests. If pest activity is common in your area, it is important to take steps to prevent...

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Smart business owners have business insurance, no matter how big or small their company is. But do you have all the coverage you need? Here are five places where business owners often find themselves lacking in...

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You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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If you own a rental property, it’s no doubt a source of income for you. Therefore, you want to protect your property with the right insurance coverage. Read on to learn why you likely need rental property insurance,...

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Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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Whether you have one company car or an entire fleet of vans, you want to make sure you’re taking the right safety steps. Follow these tips to reduce accidents, keep employees safe, and protect your business vehicles. ...

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Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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It's time to move! – it's prime RV season in Georgia. But, even if you know where you want to go, do you know how to get there? After all, driving an RV is a little different than simply hopping in your car, so we here...

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No matter what size office your business occupies these days, it seems like energy costs are going up, up, up. Here are some tips on how you can save money and help the environment. Perform Regular Maintenance Checks on...

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You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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Many times, we get caught up in the number: Do you have enough life insurance? However, an equally important question is: Do you have the right type of life insurance? At different times in your life, you may need...

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If you own a small business, especially if you work alone, you may think you don't need business insurance. But actually, without this protection, you could be opening yourself up to a world of liabilities. Here's what...

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If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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The remote work model of the last few years is shaping up to be the wave of the future. Follow these tips to support your remote employees, whether it’s for a few months as needed or as a permanent new business model. ...

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Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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Chances are you will experience a job change at some point during your working life. Typically, a job change is an exciting event. However, it can create unplanned financial stress and an overwhelming transition....

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Work consumes a huge chunk of most people’s lives. As such, a healthy and positive work environment is vital for employee mental health and business success. Luckily, more companies are now bringing mental health to the...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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As your business grows, so do its associated risks. Whether you are offering new products, increasing your headcount, expanding your operational structure, or shifting to a new location, all these moves come with...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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Fall is right around the corner, and the cooler weather often prompts people to hop in their cars for a road trip. Unfortunately, too many of those trips will end up being memorable for the wrong reasons due to crashes...

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You might be headed out on a road trip to a state park or maybe just for a quick visit to the in-laws. But, if you lose your brakes, blow a tire, or experience another unusual (but not unheard of) problem, you could be...

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As a business owner and employer, it is your moral and legal obligation to keep your employees safe and healthy at all times. Despite your intentional efforts to keep their work environment as safe as possible,...

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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Businesses are exposed to many different types of risks. A single, unfortunate incident or lawsuit can cause your business to crash before it can even get off the ground. Luckily, there is a wide range of business...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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Summer is here and people are flocking to the water - whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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Your home is more than walls and a roof. It is your family’s safe place, your biggest asset and probably your largest expense. What would happen if you became disabled and could no longer work? Would you be able to pay...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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For many grandparents, there is nothing they wouldn’t do for their grandchildren. Oftentimes their love manifests itself into wanting to protect those children and their futures. Many people probably remember getting...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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As we begin to enjoy the warm summer months, there’s one thing we can be sure of: Mother Nature will continue to do what she does best. Severe weather is something that we should both expect and be prepared to face. ...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity - particularly this...

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Normally, the most important benefit of a life insurance policy is the death benefit. But why stop there when your life insurance policy can do so much more? A full understanding of your policy will help it become more...

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A life insurance policy can mean different things to different people: financial protection for loved ones, end-of-life expenses, a legacy to leave behind, or even a discount on other insurance. Most providers offer...

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You insure your home and your automobiles, but have you ever considered purchasing a personal umbrella policy as a way to protect your assets and future earnings? A personal umbrella policy, offers additional limits of...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Commercial insurance policies are audit-able, so what does that mean for you and your business? General liability, workers compensation and garage liability insurance policies are issued on an estimated exposure basis....

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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Purchasing coverage for a rental car before you have an accident is a great way to enhance your auto insurance policy. Rental car costs have gone up as the technological components in newer cars have increased the...

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Renters insurance is an often-ignored college essential many forget about until it’s too late. Whether you’re the parent of a college student or the student yourself, you should consider purchasing a renters insurance...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects - and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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As the coronavirus pandemic continues to evolve, we at Cowart Insurance are committed to supporting the health and safety of our clients, our communities, and our employees while providing the most consistent level of...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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Managing your garage business can be challenging – you are responsible for numerous important aspects of your business, from advertising and accounting to servicing your customers. Add those jobs to having to order...

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You did your homework. You researched how much life insurance you needed, what type of products were best and purchased a life insurance policy when you were young and healthy. You are ahead of the game – or so you...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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The Auto-Owners Customer Center was designed with YOU in mind. That’s why your feedback is so valuable, and why Auto-Owners continues to make enhancements to meet your needs. Logging in to Customer Center has never been...

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Do you recall the excitement when you brought home your new bundle of joy ... from the big-box store? Maybe it was your top-of-the-line washer/dryer set. Or was is it the stainless steel refrigerator and stove? In any...

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With summer temperatures on the way, you may be getting the itch to fire up the grill. We don’t blame you. Grilled food is delicious! We just want you to be safe about it. Whether you’re grilling steaks and vegetables...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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Workplace safety is not just a list of rules. It’s a process. It takes commitment and effort, and ultimately it is something that is achievable. There is always opportunity for improvement. Keep the following in mind as...

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Springtime is here but arriving along with the blooms, warmer weather and pollen is tornado season. Across the United States, approximately 1,200 tornadoes occur each year. In the southeast, peak tornado season is March...

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Many people think the toilet is the germiest place in their home. If you’re one of these people, it may surprise you to learn that your kitchen sink has more fecal matter in it than your toilet after you flush it. Gross,...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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Imagine this scenario. You just purchased a brand-new camera to take with you while you travel. You’re really excited because you saved up for a long time to make your purchase and are ready to share your adventures...

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It’s that time of year, again: Time to reset the New Year with a resolution. What type of resolutions have you set for this year? Was it a new weight-loss goal? Was it putting more money into savings? Taking up a new...

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Updated: 1/6/2022 Frozen pipes that burst can be catastrophic to your home, health, and bank account. Burst pipes can lead to structural damage, mold, and flooding, all of which are expensive to remedy. With freezing...

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Identity theft is a serious crime that can result in a severely damaged credit score and the loss of time and money. An identity thief can steal more than your personal information and money. Unfortunately, it is also...

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December is finally here, and along with the parties, presents, and eggnog, burglars are in the midst of their busiest season. Since December is the peak month for burglaries, protecting your home from break-ins is...

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Imagine spending hours going from store to store shopping for holiday gifts only to find that your packages are missing from your vehicle once you’re ready to leave. Nothing quite kills holiday fun like being a victim...

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Decorating for the holidays can be a fun way to celebrate the season and get in the holiday spirit. While sparkling lights and decorations could put even Scrooge himself in a festive mood, it’s important to be aware of...

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The holidays are almost in full swing. While it’s safe to dream about turkey, dressing, and pumpkin pie, cooking your favorite dishes can be hazardous. The kitchen can be the most dangerous place in your home during the...

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Fall is upon us and before we know it the holiday season will be here. Oftentimes during the holiday season people buy jewelry to give as gifts. A common question you may have is, “How do I insure my jewelry items?”...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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It’s that time of the year again: The return of football season and tailgating. Tailgating is all about getting pumped for the game with parking lot festivities. During all the parking lot pre-game celebrations, however,...

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Every summer, an increasing number of people face the potential threat of hurricanes. According to the US Census Bureau, nearly 60 million people live in the 185 counties lining the Atlantic and Gulf Coasts of the...

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Everyone has different investing philosophies, from “buy low, sell high” to “hold, hold, hold” and everything in between. However, everyone can agree diversification is key. One way to diversify a portfolio is adding an...

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Fall is here, and there are still plenty of motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not...

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Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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What can happen when you drive distracted? To put it bluntly it can be life altering, painful, or even deadly. Watch this video to see what could happen when you look away from the roadway even for a few seconds. Scary...

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There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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What comes to mind when you think of the perfect summer day? For many, the perfect day might consist of a relaxing getaway to the beach. Maybe it’s a night out with the family watching a breathtaking display of...

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Your favorite sports team does not start the season with a goal to lose games. Similarly, businesses should never have the mindset that near-misses and incidents (accidents/injuries) are just part of life and are to be...

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Many businesses own one or more vehicles used to make deliveries, drive to customer locations or run errands. If one of your vehicles is scheduled on a commercial auto policy, you likely have liability coverage to...

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Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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If you own a business, you are aware that one of the tasks that often comes with such ownership is an annual audit. Most business policies are audit-able, particularly those covering contracting operations. No premium...

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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The Corvette has always exemplified affordability and availability. Since 1953 it has been America’s sports car-and the everyman’s sports car. That’s as true today as it was in 1962. Chevy has pumped out just over 1.5...

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Storm season can be any time of the year in the southeast. Most of us either own a home or have owned a home, so we’re used to walking the property after a major storm to look for damage, usually to the roof or siding....

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Nearly 1 billion people in nearly 200 countries are expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.” Since the first Earth Day in 1970 (which was...

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Do you share ownership in a business? If so, what would happen to your company if one of the owners were to pass away? A buy-sell agreement funded with life insurance could be the exact protection needed to keep your...

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It's that time of year and many of us are looking to replace our cars with an upgraded vehicle. A common question people have when shopping for a new car is, “When I buy a new car, is it insured?” Yes, it is. Auto-...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Insurance coverages* available for your recreational vehicle are similar to those available for your regular automobile, but did you know there are additional coverages you can add that are specifically tailored to...

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What type of insurance policy will you need as a senior citizen after the mortgage is paid off, bills are minimal, and your life insurance policy remained with your employer after you retired? Would you need a term life...

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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The auction market can be intimidating for new bidders, and it’s easy for rookies to make an expensive mistake. The classic car experts at Hagerty® have what you need to know to find that car of your dreams, to bid with...

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Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars-or a fire or some other...

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British car values have generally been flatter than other segments of the car market. That’s a shame, because there are quite a few English vehicles out there that are rare, gorgeous, fast, interesting, or a combination...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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You’re not just imagining it-a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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House Bill 673: Distracted Driving Legislation (Important Changes to Georgia Law) HB 673 would prohibit drivers from holding or supporting a wireless telecommunication device or a stand-alone electronic device while...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Considering the massive cost of a college education in America, do you ever wonder how much debt would be left behind in the event that a college student or university graduate passed away? Think about it: Leaving Mom...

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Using a credit card to pay your insurance premium is convenient and often a preferred method of payment. It is comforting to know that Auto-Owners is consistently monitoring and taking the necessary steps to ensure that...

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Fall is a beautiful time of year, prompting friends and family to venture outside to enjoy time gathered around a fire. Whether your choice is a grill, bonfire or burn barrel, the primal pull of fire helps people bond...

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Floods are the nation’s most common disaster, and also the costliest, according to the Federal Emergency Management Agency (FEMA). Each year, U.S. homeowners suffer billions of dollars in flood-related damages....

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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7 Tips to Help Keep Student Athletes Safe Your Georgia household may be one of the millions this fall in which student athletes are dreaming of victory on their school playing fields. Of course, we here at Cowart...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Audits for contractors can be challenging. One of the most common questions auditors hear is, “Why do I have to pay for my subcontractors if they carry their own insurance?” When a contractor hires subcontractors, an...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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Without even taking into account maintenance and modification, a classic car can often seem like a daunting purchase that your wallet can’t weather. That’s not always the case, though. If you know what to look for,...

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Running a business is no easy task, even in great health. Whether you’re the owner of a small business or a large company, an injury or illness rendering you unable to work can be detrimental to your business. A ...

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Domestic vehicles from the 1980s are having a moment. The ‘80s were once considered a low point in the automotive sense, but as nostalgia kicks in- along with the realization that so many American vehicles from that...

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Two peer-to-peer trends that are growing in popularity are ride-sharing and personal vehicle sharing, or car-sharing. Most people do not realize that their personal auto insurance policy may not cover them if they were...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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The new distracted driving law, Hands Free Georgia Act (HB 673), prohibits drivers from holding or supporting a wireless telecommunication device or a stand-alone electronic device while operating a vehicle....

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What would you do if your home was destroyed by a fire, or one of your water pipes burst while you were on vacation, or a burglar stole valuable items from your home? You can’t prepare for everything, but planning for...

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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These 10 vehicles from mass-production, mainstream automakers not only stand a good chance of maintaining strong value, but they also are likely to remain desirable over the long term in the eyes of collectors and...

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As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Are there any charities that have a special meaning to you, your family or your friends? Do you ever feel as though you would like to support an organization that makes an impact? Life insurance can be a great way to...

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After a few busted knuckles and some late nights, we present you with our completed custom '57 Harley Davidson Sportster time-lapse build. She spit some fire and gave us quite the workout from all of the kick starts,...

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With Generation X and early Millennials reaching peak earning years, a wave of 1980s nostalgia is pushing “fun cars” into cool territory. This list is a collection of worthwhile, affordable classics. They all offer some...

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Even though you have insurance that protects your automobiles, your home or your “toys” (boats, motorcycles and seasonal locations), do you have insurance that protects your assets? Is protecting your family’s financial...

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The collector car market was split in 2017. Hagerty’s list of the highest auction sale prices for American cars is evenly divided between massive, open-top prewar machines and lithe postwar sports cars. Here are five...

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Do your business operations include employees who drive? If so, their daily job includes sharing the road with other drivers; many of whom are pairing driving with another activity such as texting, eating and drinking,...

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Nothing can ruin your vacation quite like a flat tire. Instead of the epic vistas you planned, you’re forced to enjoy the shoulder of a dusty road. We know the feeling, and we want to help you get moving again. Road...

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We frequently gets calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have an Auto-Owners personal auto policy, it has specific coverage provisions...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Emergency action plans aren’t just for schools and families. If you’re a business owner, it’s just as important for your business and employees to be prepared for a crisis. While nobody wants to be affected by an...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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You probably heard about the recent global-scale ransomware cyberattacks. This attack ranged from Britain’s National Health Service to universities, manufacturers and logistics companies. Over 150 countries were...

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A business may consider its investments, properties and equipment as assets, but what about its employees – key employees in particular? A key employee is an individual who possesses certain skills or abilities that are...

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Auto-Owners now offers an automated phone payment system, available for credit card payments, 24 hours a day, seven days a week. This touch-tone system offers English and Spanish language options, and there is NO FEE...

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Envision your house transformed into a welcoming space with fresh updates and extra room for the things you enjoy. With a remodeling project you can open up walls, add lighting or upgrade the flooring to create a...

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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Valentine’s Day is here, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” - and, of course, jewelry. It’s exciting to receive jewelry from...

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We know you adore your pet, but if you haven’t set aside savings to cover veterinary costs for injuries or treatment, pet insurance may be a smart move. Here are some advantages of pet insurance through Figo that could...

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Almost everybody in the collector car hobby is on a budget of some kind. For some of us, that budget is a pretty tight one. That doesn’t mean there aren’t plenty of choices on the bottom rungs of the price ladder,...

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When deciding how you’d like to customize your long-term care (LTC) policy, you will most likely face a decision on whether to have an inflation rider or forgo any inflation protection. Before deciding what is best for...

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Did you know your Auto-Owners Insurance policy documents and bills can all be paperless? Going paperless means you’ll receive an email as soon as a bill or policy document is available. These can be easily accessed on...

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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Let’s face it, it just wouldn’t be Christmas without Christmas movies. They warm our hearts. They lift our spirits. They make us laugh. And if they happen to include a memorable classic car or two, well, all the better....

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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It’s time to gather ‘round the table and give thanks for family, friends... and the cars that fuel our passion! The folks at Hagerty have compiled their own list of head turners and pulse-racers below. What would you (...

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Not only do vehicles vary in size and color, they can also vary in safety. There are still important safety differences, and some vehicles are safer than others. Many automakers offer safety features beyond the required...

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Vintage cars are not like daily drivers, and there’s no sense in pretending that they are. Something always needs to be fixed or, at a bare minimum, tightened. But which tools? Now, there’s the rub. It really does...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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Automobiles often play an important supporting or even starring role in many of our favorite films,from Bullitt with Steve McQueen to, well, the Disney movie Cars. That’s certainly true of horror and monster movies as...

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Update Your Home Without Emptying Your Wallet Quick, easy, inexpensive – whoever thought those adjectives could apply to home improvement projects in Georgia? But, they can! To spruce up your home on a budget, check...

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Faulty Wiring and Outlets Are One of the Top Causes of House Fires. Check the electrical cords throughout your home for signs of fraying, and replace all frayed wires. Do not pinch or cover electrical cords with items...

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We’ve all heard the saying, “An apple a day keeps the doctor away,” but did you know that preventive maintenance and routine checkups are necessary to keep your contractors’ equipment healthy, too? When developing a...

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Going Camping? Keep Your High-Tech Gear Safe With These Tips First things first: Do you really need to bring your tablet or laptop on your camping trip in Blue Ridge or one of Georgia’s State Parks? Are you really...

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The word “audit” can increase a person’s heart rate and send butterflies racing to their stomach, but a commercial insurance premium audit should not be an occasion for worry. The annual audit process ensures that you...

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The experts at Hagerty® have released August 2017’s Hagerty Vehicle Ratings. The Hagerty Vehicle Rating tracks a vehicle’s performance relative to the entire classic car/truck market. Based on a scale of 0–100, a...

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Travel Smarts for Your Money and Identity Thieves love tourists. It’s nothing personal. They’re just looking for an easy target – someone who’s carrying cash and credit cards, tablets and cameras, passports and other...

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Summer is here, and there’s nothing quite like driving a convertible to revel in it. The classic car experts at Hagerty® have listed three convertibles to consider if buying or selling. BUY: 1992-95 Dodge Viper RT/10...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Did you know that a burglary happens every 20 seconds in the U.S., according to the FBI?1 Your home is one of your most valuable possessions, along with everything inside. It is a place you want to feel safe and secure...

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Tying the Knot? Tie up Loose Ends With Wedding Insurance Getting married is a big step that you’re no doubt commemorating with a big celebration. And, that often comes with a (fairly) big price tag. So, have you...

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The age of driverless vehicles isn’t here yet, so which new 2017 vehicles are expected to one day join the ranks of fully drivable classic collectibles? According to the valuation experts at Hagerty®, 10 vehicles in the...

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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When thinking of the cause of a kitchen fire, it is common to think of cooking. But not all kitchen fires start because of cooking hazards. Non-cooking related fires commonly involve refrigerators, freezers or...

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Hot Day Behind the Wheel? Here’s How to Beat the Heat The forecast in Atlanta: Hot and getting hotter. And, that can make for troublesome travel. When the temperature increases, decrease your risk on – and off – the...

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With summer upon us, friends and family will soon begin seeking relief from the notorious Georgia heat at their favorite lakes, the Atlantic and neighborhood pools. Boating is a popular activity for families and friends,...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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We all remember the day we received our diamond engagement ring, those opal earrings for a special birthday or the emerald pendant gifted to us by our family. Those items are near and dear to our hearts, so they should...

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When determining your need for life insurance, you need to know which policy is right for you.It is important to understand the biggest differences between term and permanent life insurance when deciding which of these...

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May is “Disability Income Awareness” month, which makes this a good time to share information about the benefits of disability income insurance. Think of this coverage as insurance for your paycheck, as this product can...

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Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered?Unfortunately, we live in a world of lawsuits. Large damages can be...

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For classic car owners, the long wait for spring can be excruciating. The good news is, it’s almost here. The classic car experts at Hagerty® have put together the following spring start-up checklist. Take advantage of...

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So you're thinking about getting a pet. You're probably imagining a furry friend to curl up on the couch with while you read a good book or maybe a friend to take with you on your weekend hiking trips. As cute and...

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If you live in a 100-year floodplain and have a mortgage, you don’t have to wonder if you need flood insurance - it’s required as a condition of your loan. If flood insurance is not required as a condition of your...

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Talking to Your Teen About Safe DrivingWhen teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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Did you know that most insurance policies from Auto-Owners Insurance offer a Paid-in-Full discount? With this discount you could save BIG money! To qualify for the Paid-in-Full discount, the entire discounted policy...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone.Even still,...

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5 Tips for a More Secure WorkplaceProtecting your business in Hoschton, Braselton and Jefferson used to mean locking the doors at the end of the day. That’s still important, of course, but now a security breach can...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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Purchasing life insurance for children has many advantages and is important in protecting their ability to acquire insurance at a young age.Life insurance is generally purchased for final expenses and replacement income....

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Have you tried to sell your Georgia home, but decided to rent it out instead? Or did you recently inherit your parents’ house and now your sibling or child are temporarily living in it? Whatever your situation may be,...

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With all the recent news about viruses, data breaches and other computer-related crimes, you may be wondering if you are adequately protected. Many standard commercial property and commercial liability insurance...

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If you’re looking to beef up coverages on your Georgia auto insurance policy at a reasonable rate, the Personal Automobile Plus package* from Auto-Owners Insurance can be purchased at $30 for a semi-annual policy or $60...

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Slips, trips, and falls are one of the leading causes of general industry work-related accidents. Surprisingly, they rank second behind motor vehicles in accidental deaths. They have the possibility to cause major...

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Nothing can ruin your family vacation quite like totaling the rental car on the way to the hotel. As you sit by the side of the road, you can’t help but think about how much this is going to cost, since you didn’t...

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You probably know that life insurance will protect your family from the unfortunate death of a loved one. Have you thought about what would happen if something catastrophic were to happen that did not involve a death?...

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It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more.When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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Have you thought about purchasing both a permanent and a term life insurance policy to cover different financial obligations in your life? You don’t need to do this if you purchase a universal life insurance policy....

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Managing your repair garage is challenging – you are responsible for every important aspect of your business, from advertising and handling accounting records to dealing with difficult customers. Add those jobs to...

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Our friends at Hagerty® like to celebrate the midlife crisis: It’s just another excuse to buy a car. Here are their top four cars to consider:Chevrolet Corvette: The Corvette is arguably the car that put American...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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The sun is shining, your shades are on and there’s nothing ahead but miles and miles of enjoyment. You love being behind the wheel on a nice warm day. But, as the temperatures rise so do your chances of encountering car...

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When You Think Swimming, Think Safety When the sun is out and the weather’s warm, people flock to the water - whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger....

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The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Summer has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Purchasing life insurance for your children can admittedly be a little awkward or uncomfortable. Because this important matter doesn’t cross our minds frequently and since many people don’t want to talk about it, it is...

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4 Tips to Help Cut Road Trip Costs There’s no better way to see the country than a road trip, and it’s also the way to travel if you’re looking to keep costs under control. To that end, here are a few ideas to help...

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With summer just around the corner and winter in our rearview mirror, a lot of business owners feel that they can put their concerns about slips, trips and falls away for few months. Unfortunately, that is not the case....

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The new boating season is upon us … are you and your boat ready? Imagine sitting on your boat, enjoying the crystal-clear waters and sunny, blue skies. To help ensure that time spent on your watercraft is safe and...

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Spring and Summer are wonderful time's of year. Unfortunately, they can also bring major storm activity in the form of torrential rains, hail, high wind, tornadoes or whatever else Mother Nature wants to throw our way....

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You probably know that life insurance will protect your family from the unfortunate death of a loved one. Have you thought about what would happen if something catastrophic were to happen that did not involve a death?...

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As a business owner, you are probably aware of the need for business insurance for your property, buildings and for your contents. Oftentimes these policies are easier to understand and to justify purchasing. However,...

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It’s just rain — how much impact can it really have on your driving?The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after a...

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From the cars we drive to the watches we wear, technology is changing at an ever-increasing pace. But did you know this changing technology, when applied to your home, could mean savings? And not just financially. When...

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As technology’s presence grows in our lives – and in our vehicles – it’s becoming easier to be distracted while we’re driving. There are three main types of distraction while driving: visual, manual and cognitive....

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What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers?All of those are pretty important, but none of them...

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How to Create Your First Garden This Spring From genetically modified crops to the environmental and health effects of pesticides, more and more Georgia residents are questioning whether they should grow what they eat....

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Daylight Savings Time is also Daylight Safety Time. - In most places in the United States, March 13th, is Daylight Saving, when clocks are moved forward one hour. We here at Cowart Insurance want to remind you it’s also...

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Read Across America Day: Encourage Reading and Honor Dr. Seuss Georgia parents, March 2 is Read Across America Day! We here at Cowart Insurance believe there are so many reasons to encourage children to read. First of...

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Tips on Handling an Auto Accident Safely - Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road. And, an even worse time to get into a car accident.But, with reduced...

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Many people recognize the importance of life insurance, yet according to the 2015 Insurance Barometer Study by Life Happens and LIMRA, more than 40% of Americans have no life insurance. Life insurance is a subject that...

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About 2 million times every year, animals and cars collide on U.S. roadways - often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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It’s about to get very cold outside! Freezing temperatures can lead to frozen pipes and water damage in your home. Fortunately, there are several steps you can take right now to help prevent freezing pipes. Keep garage...

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The first step to purchasing Georgia Life Insurance is to determine how much you need. Below you will find a Life Insurance Estimator to help you decide how much life insurance is enough to provide you peace on mind,...

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Imagine returning from vacation and your home is cold and the carpet is saturated. The kitchen ceiling is in pieces on the counter and floor. The master bathroom laminate floor looks like a roller coaster. Water is...

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Reduce, Reuse and Recycle for a Greener Holiday You may be dreaming of a white Christmas, but really all of us in Dacula, Georgia should be striving for a green holiday! Let’s face it, with all the wrapping paper, cards,...

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It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Top 10 ways to honor a veteran on Veterans Day Americans celebrate Memorial Day in the spring and Veterans Day in the fall. While it can be easy to confuse the two holidays, Memorial Day is set aside to honor American’s...

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Halloween is creeping up fast and many consumers may not realize how frightening this scary night could be for their personal safety, their property or their bank accounts. We can help your family and business better...

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Be Careful When You Play With Fire, Even in the Backyard It's a great feeling to hang out with friends and family around a blazing fire in your backyard in Georgia - unless, of course, that fire blazes a little too much....

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don't forget, winter is right around the...

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It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Make Football season not just fun, but also safe. Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves, the start of school and, of course, the SEC & ACC...

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Two thirds of households in America have air conditioners, according to the U.S. Department of Energy - and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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College is expensive enough without finding out too late that an accident or theft isn't covered under your current policies. So, as you get your College Student ready to head off to school in the fall, there's one...

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Make your vacation a great one Whether you're planning a trip to a local attraction in Georgia this summer, or headed all the way across the country, you want your vacation to be relaxing. It's a getaway from work, not...

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Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don't get stuck in traffic, either). And they even have fun - as long as...

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Slow Down, Save Money... and lives How many times has the following happened to you? You're speeding down Interstate 85 or up Highway 316 when you spot a Georgia Highway patrol car. You quickly hit the brakes and slow...

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If you're a boater, there's nothing better than a day on Lake Lanier or Lake Hartwell. We know your boat is a significant investment of time and money. Routine maintenance can extend the life of your boat and reduce the...

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"Wherever you go, there you are." Whoever said that must have been an RV owner - after all, one of the best things about vacationing in an RV is the fact that your "hotel" is pretty much anywhere you decide to stop....

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Love bites - Get Umbrella Coverage! In today's economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn't a home and auto policy leave you adequately covered? What is umbrella insurance...

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Spring is here, and you're ready to get out on the water. But is your boat ready? Even if you've kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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A family road trip just isn't complete without your Doggy or Kitty in the back seat. Traveling with your furry friends can truly enhance a vacation. It can also complicate one if you don't prepare your dog or cat for...

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Things to keep in mind when buying a car Buying a new car is an exciting time - but it can also be stressful. After all, you're trying to get the best deal on price, while also deciding on the make, model and features...

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Spring is a time for rejuvenation, and, as the weather gets warmer here in Lawrenceville, Georgia, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for...

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According to the Workers Compensation Research Institute, employees who are disabled for longer than six months have less than a 50% chance of ever returning to their job. If they are off work longer than a year, the...

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You can be held liable for any employee accident or injury that occurs at your business or on a job site. The State of Georgia requires all business owners with 3 or more employees to purchase a workers compensation...

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There are many advantages to installing a fleet monitoring system, such as GPS tracking devices, into your fleet of business vehicles. In fact, monitoring the driving patterns of your organization's employees is one of...

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For many, the winter months are a welcome time to escape the short days and chilly temperatures by heading on vacation to Florida or beyond. And is there a better way to celebrate the end of winter than to take a spring...

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From genetically modified crops to the environmental and health effects of pesticides, more and more Georgia residents are questioning whether they should grow what they eat. Wherever you stand on the issues surrounding...

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Avoiding distractions while driving could save your life You've seen them on the roads; you might even know a few of them. And you could be one yourself. Distracted drivers come in all shapes, sizes, ages and...

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Insurance is generally purchased to protect against building loss, loss to contents or liability losses. Unfortunately, it is the intangible exposures that we do not see and do not prepare for that ultimately can have...

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Have you thought about what would happen to you if you either needed to enter a nursing home or required home care services? As nursing care costs continue to rise and the need for care increases, there is never a...

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Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in Georgia, it may be a good time of the year to provide...

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There's a popular saying that goes like this: "Home is where the heart is." That saying rings true for many who find "home" a safe haven and a place to cherish, convene with family and friends, raise children, cook...

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After School Safety Tips for Parents and Kids Parents, class is back in session in Dacula, so you've likely already reviewed the basic safety tips for kids who walk or bus to and from school. Those tips, of course, are:...

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5 Tips to prevent Backpack Overload Each year, tens of millions of kids head off to school with backpacks full of books and supplies, according to the American Occupational Therapy Association. Thousands of those kids...

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It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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Talking to your Teen about about Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:...

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We all feel pretty safe at home, right? But there's one room that's more dangerous than all the others. Any guesses which one? It's not the one where the pots simmer on the stove. Or where knives are part of the...

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5 Tips for Deep Frying a Turkey This Thanksgiving Those in Georgia who have tasted deep-fried turkey usually say there's simply no comparison to an oven-roasted bird - turkey out of the fryer is moist, with crispy skin...

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Giving During the Holidays Without Getting Taken Every year during the holidays, people in Dacula, Georgia look for ways to give gifts, not just to family and friends but to those less fortunate. It's the spirit of the...

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You stopped feeding your dog under the table in grade school, right? Okay, honestly most of us can't resist sharing scraps with our pets when they beg - they're family, after all! But we all know human food isn't always...

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Holiday Safety Tips for Georgia Pets The holidays have arrived in Dacula and Lawrenceville! For those with one or more four-legged friends in the house, it's time to go over some safety tips. After all, you want all of...

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Do You Need Winter Tires? You know it's coming. Freezing rain. Black Ice. Maybe even snow and slush. Remember Atlanta's snowpocalypse? But do you know if your tires are ready for all of that? When driving in Georgia in...

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As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Mobile technology has contributed a slew of benefits to our 21st Century world, but the shift to cellular technology has come at a price. An average of 11 teens every day in the U.S. become another tragic statistic of...

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The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Co-signing student loans for your child? You may want to consider a life insurance policy as well. As the cost of a college education continues to climb, many parents today are co-signing student loan agreements. But...

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Identity theft is a year-round problem, but crooks shift into high gear during the holidays. Whether you like to shop online or at the Mall of Georgia or Lenox Mall, here are some easy and effective ways to help...

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While fall and winter have their own pleasures, including SEC & NFL Football #UGA #RiseUp, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even...

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What you need in an Emergency Kit You never know when a natural disaster is going to hit Buford or Dacula - or even just a big storm that knocks out the power for a few days. That's why having an emergency kit for you...

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Halloween is one of the most fun holidays of the year for children of all ages. But it also can be deadly. Did you know that on average, children are more than twice as likely to be hit by a car and killed on Halloween...

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5 questions to ask to keep your haunting brood safe on Halloween Despite the fact that Halloween in Dacula involves walking around at night amongst ghouls and witches, it really only takes a little common sense to make...

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If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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It will not be long before you feel the chill of winter approaching. Is your home ready? The good news is that winterizing your home does not have to be costly or time consuming. With a free afternoon and a little elbow...

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Let's try a little exercise: Can you list everything you own from memory? Didn't think so. The fact is most people own more things than they realize. It's easy to remember the cars, the computer, the TV. But what about...

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Put the top down and hit the road in Georgia - The call of the open road is at its strongest during the summer - and so is the call of the convertible. If you're one of those drivers who has long dreamed of dropping the...

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Take a moment and think about your family and what you might do if your income stopped tomorrow. Would you be able to pay for your son's field trip or your daughter's dance classes and still make your house payment? How...

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Did you know that life insurance can be used as a tool in estate planning? By purchasing a permanent life insurance policy, you can provide immediate, tax-free money to your beneficiaries - and ensure that they have the...

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Well before a disaster strikes, you should be thinking about your evacuation plan. Where will you go and how will you get there? How will you stay in touch? Who will know where you are? An evacuation plan that is...

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Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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It's estimated that less than half of U.S. households have life insurance. Yet without this important safety net, many families would struggle financially after the death of a loved one. How do you know if your family...

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In a hectic world, it can be tempting to try and save time and money by purchasing insurance through a 1-800 number or a web page. But do you really know who is on the other end of the phone? Do they really care about...

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Have the two "C"s of automobile coverage stumped you? If you buy car insurance, you'll want to understand the differences between comprehensive and collision coverage. Collision coverage applies to damage incurred when...

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As a homeowner, you're liable if someone is injured on your property. Luckily, some simple steps - and a dose of caution - can go a long way toward avoiding a liability claim. Here are some areas you'll want to pay...

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If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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It seems like last week that kids were celebrating the start of summer. It's time to begin the transition to a new school year in Lawrenceville, Grayson & Dacula. The following are some helpful tips to help your...

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In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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Students who reside off-campus may not be fully covered under their family's homeowner's or renters insurance policies and should consider acquiring their own renters insurance coverage. And whether a student lives on-...

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Whether your child is returning to college or starting their first year, it is an exciting and stressful time for you. You want to make sure everything is covered, from what you need to do before they go to what they...

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"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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- With all the fun stuff there is to do when it's warm outside, it's no surprise that emergency room visits spike during the summer months. Each summer, hundreds of thousands of children end up in the ER for a variety...

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Useful tools to enhance your RV experience You know that taking to the road in your RV is fun - that's why you do it! But vacationing on the road can have its troubles, like dead batteries, flat tires and missed...

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- Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precaustions. Here are a few tips...

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The vast majority of us have been there: Sitting in heavy traffic, tempers flaring and aggressive drivers cutting in and out of lanes. Now you have a chance to do something about it. Join Cowart Insurance Agency and...

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Planning a getaway? Whether your destination is Disney World or a secluded spot in the North Georgia Mountains, there are some things you can do to keep your home safe while you're away. Don't worry, none of them...

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Join Cowart Insurance and Safeco Insurance in taking a pledge to be a more courteous driver in Drive It Forward Fridays (#DIFF) Summer travel season has started, and you have a chance to help make driving in and around...

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- For example, many drivers now use hands-free devices to talk on the cell phone while driving. But studies show that these devices don't eliminate - or even substantially reduce - the type of cognitive distraction that...

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- Did you know that Memorial Day marks the start of a period known as the 100 deadliest days for teens on the roads? Each year, from Memorial Day to Labor Day, thousands of teens are injured or killed in driving...

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You've probably heard that experts are predicting a below-average season, with only about three to five hurricanes. But just because there may be only a handful of hurricanes this year doesn't mean they don't have the...

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Do you have more people living in your home these days? Over the last several years, many people have added roommates to help pay the bills or had their adult children move back home. If other people have moved into...

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Top Tips for Boat Trailer Safety There are many reasons to love the sport of boating - it can be relaxing, exciting, entertaining and even rejuvenating. But hauling a boat on a trailer and launching it at the busy...

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With spring just around the corner, it's a great time for a "spring break" RV trip. Whether you're heading to North Georgia or planning your getaway a lot farther from home, you'll want to make the trip safely. At...

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- As springtime approaches, you probably notice something in addition to the warm weather and blooming flowers: more motorcycles on the roads of Dacula, GA. Riding looks like a lot of fun, doesn't it? Just imagine...

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You own a small business with only a few employees. Do you really need employment practices liability insurance? The answer is most likely yes. Called EPL for short, this is a vital coverage designed to protect your...

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One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Cowart Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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Does your business have a preparedness plan? It's estimated that two-thirds of businesses have no plan in place in the event of a major business disruption or disaster. That's part of the reason that it's estimated that...

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If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not....

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Get started early to get your boat ready for summer If you love the water, few things are better than boating season. Summer just wouldn't be summer without spending those long, hot days on Lake Lanier, Lake Hartwell or...

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You run your own business. Do you need commercial auto insurance? It's an important question. As a general rule, if your vehicle is being used for business purposes, you may need a commercial auto insurance policy. Do...

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To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy. Georgia residents - What's Peace of Mind Worth...

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In creating a survival kit, think about what you would need if you were stranded away from home for three to seven days. Prepare your kit well in advance so that if you have to evacuate quickly you are able to take your...

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Teens are bad drivers, right? They text behind the wheel, speed to impress their friends and barely pay attention. Or so the stereotype says. But parents can help their teens rise above the stereotype and stay safe...

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Did you know that motorcyclists are about 37 times more likely to suffer a fatal accident than those driving cars? It's true. But both types of drivers can do their part to reduce the number of deadly motorcycle...

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Safeco Insurance® honors Cowart Insurance with the Safeco® Key Agent Program Cowart Insurance has been selected for membership in the Safeco Key Agent Program, which recognizes performance and partnership. Fewer than...

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Should you refinance your car? Refinancing isn't just for homes. Refinancing your car loan can save you a lot of money, too. Here's how to refinance the right way: Compare interest rates. If the rate on your car loan is...

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What's the biggest challenge for business owners and managers in the U.S. today? If you guessed uncertainty, you are correct! That's why the right business insurance coverage is so important. The right types and amount...

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While many deadlines in the Affordable Care Act (also known as Obamacare) are constantly changing, causing plenty of confusion, there is one that is currently set in stone: March 31, 2014. The Affordable Care Act...

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Your Child's safety is always on your mind. Most have thought to change their kids privacy settings on Facebook, Twitter, Instagram and other social media. Did you know that you need to be worried about the settings on...

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Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Daylight Savings time is also Daylight Safety Time. - In most places in the United States, March 9th is Daylight Saving, when clocks are moved forward one hour. We here at Cowart Insurance want to remind you it's also a...

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Distracted Driving - Independent agencies representing Auto-Owners Insurance across the country are joining together to share the importance of not texting while driving with their communities. Driver distraction is a...

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Ah, Valentine's Day and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say "Be Mine" - and, of course, jewelry. It's exciting to receive jewelry from a...

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It's estimated that more than half of all U.S. small businesses operate out of someone's home. Housing a business in your basement or using your garage as a warehouse can be a great way to launch a business or save...

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How energy efficient is your home? Here are several of the most effective ways to save energy - and money - at home. Have you taken these simple steps to becoming a more 'green' homeowner? Change your light bulbs....

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Most people would say their car is one of the most valuable assets they own - if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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Setting aside the time for an annual insurance review is a great way to make sure you have the right coverage in place for your company. In the business world, things can change quickly, leaving you without enough...

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Teens are bad drivers, right? They text behind the wheel, speed to impress their friends and barely pay attention. Or so the stereotype says. But parents can help their teens rise above the stereotype and stay safe...

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Are you thinking what we are thinking? We live in south and it will be how cold tonight? The weather agencies are predicting record breaking cold tonight. Many are saying that we will see wind chill factors below zero....

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Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Adding another expense to your monthly bills not ideal? What would you trade in order to be able to get life insurance? It may be less than you think... such as just one of these things: Snacks at the movies One weekly...

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The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of Georgia. If you are gearing up to travel and...

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Be the pinnacle of health and wellness this holiday season - It goes without saying that keeping yourself and your family healthy through the holiday season in Braselton or Hoschton can be a challenge. When you...

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5 ways to keep your phone charged in a power outage In our increasingly digital world, a mobile phone or other portable device is often a one-stop communication device. Phone calls, text messages, social media and even...

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Health Insurance is a huge issue lately. There are so many terms being thrown around these days: Obama Care, Affordable Care Act, The Market Place, Subsidies or Patient Affordable Care Act. What do all of these mean to...

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Tis the season when we start cranking up those thermostats! It is also the time of the year that we experience higher power and gas bills. Are you looking for ways to save in Braselton or Hoschton, Georgia for the new...

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Planning on frying a turkey this Thanksgiving? If you've ever wondered what could (spectacularly) go wrong, watch this video before you dunk that bird in hot oil.Keep you and your family safe this Holiday. Read and...

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Do you think life insurance is just for married couples with kids? Think again. Here are five reasons for why you might want to buy a life insurance policy: You have student loans. Even though some student loans will be...

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Health Insurance is a huge issue lately. There are so many terms being thrown around these days: Obama Care, Affordable Care Act, The Market Place, Subsidies. What do all of these mean to you here in Georgia? Do you...

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Are you looking to purchase Health Insurance in Georgia? Have you tried to figure out which plan might be a good fit on HeathCare.gov? Have you received a letter from your current insurance company that is cancelling...

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Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Georgia. Football brings with it a whole host of seasonal activities...

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Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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Life Insurance You and I have a purpose in this world, that when broken down are quite similar. It is your job to provide food, clothing, shelter, Schooling, medicine and other necessary things for you And your loved...

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The process of forecasting the force and track of a hurricane is a very complicated process. It takes a collaboration of methods. The National Hurricane Center uses hurricane hunter aircraft, ocean buoys, Doppler radar,...

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Cowart Insurance is committed to being a positive contributor to public safety in our community. This video is powerful in the way it demonstrates what can happen if you text and drive. We should all be more mindful of...

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In the event of severe damage to your home or business, having a current inventory of your possessions - including their make and model numbers - can help you get your insurance claim settled faster, verify losses for...

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What social media are you using? We are on Facebook, Twitter and Google+. Come join us! Come join us on Google+! Photo Source: Pinterest

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The best time to think about a natural disaster is when there is not one in sight and you can undertake effective planning without stress. Start by getting organized and doing simple tasks. Download our disaster...

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If you hear that a severe storm or another type of natural disaster is headed your way, there are precautions you can take to help your family and your business be prepared. If you are ordered to evacuate, do so. If you...

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According to the National Oceanic and Atmospheric Administration's (NOAA) Atlantic Hurricane Season Outlook there is a 70 percent likelihood of 13 to 20 named storms (winds of 39 mph or higher), of which 7 to 11 could...

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Who is thrilled that is it finally football season! Whether you cheer for College or NFL Football tailgating is serious business in Georgia. University of Georgia football and The Atlanta Falcons season brings the haze...

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For most of us, Labor Day is a time to enjoy the company of family and friends, having fun and creating memories - whether at home or away. It is a fun time to celebrate the end of summer or the beginning of the new...

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Americans enjoy more than three billion barbecues each year. But barbecuing can be dangerous, even deadly, if you are not careful. The following tips can make your grilling experience safer: When ready to barbecue,...

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You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that a standard Home Insurance policy in Georgia doesn't cover flood damage. At Cowart Insurance we want you...

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Life Insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that offer benefits while you...

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As kids head back to school, let's keep them safe The end of summer means many things, such as cooler weather, shorter days and ... the start of football here in Georgia! But most important, it means kids are headed...

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We are pleased to announce to you the A.M. Best Company has affirmed the financial strength rating for Auto-Owners Insurance Group (AOIG) of A++ (Superior), A.M. Best's highest rating available. This is the 41st...

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We at Cowart Insurance Agency know the language used by the insurance industry can be confusing. We want to make sure that you clearly understand your options and know precisely what you're paying for. Here are some...

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College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school, below are a few tips to help you get the most out...

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Car Safety Tips for Your Children Owning and operating a car is a big responsibility. This is only heightened when you have children along for the ride. Making sure their needs are met and that you pay attention to the...

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For most of us, the Fourth of July is a time to enjoy the pyrotechnics that mark the holiday. But for our pets, fireworks are another story. Many pets can be traumatized by the noisy rockets and firecrackers so many of...

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- Summer is a fun time to socialize with family and friends. For many, there is nothing that says summer quite like a pool party. If you have just installed a swimming pool, you will hopefully have updated your Metro...

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Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling is not just about great food. Backyard barbecues often create treasured memories with friends and family. Keep in mind, however,...

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With summer drawing near and the weather warming up, Atlanta, Georgia neighborhoods come alive with the sights and sounds of the season: lawnmowers, power tools and backyard barbecues. For many people, those things all...

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There is nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette...

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Are you thinking about road tripping? Your family may enjoy the open road and some quality time together, but first things first. Packing all of your suitcases and other essentials in your car or SUV is what makes your...

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- Protect your college graduate with the right insurance - College graduation is an exciting time for students and their parents alike. And, while it's easy to be immersed in graduation parties and focused on first-job...

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- Teen driving tips to keep prom and graduation safe - High school is full of defining moments for Georgia teens and two of the highlights for most are prom and graduation. However, this time of year often sees other,...

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You've selected your dream home and now it's time to get everything ready for closing. The next important decision is choosing your home insurance. Here are some things to consider as you evaluate your options. How much...

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Are you wasting money on your auto insurance? There's a good chance the answer is "yes"! It may not be because you are a bad driver or are a high risk, but because you overlook some easy ways to save. Some of the best...

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As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Cowart Insurance, we thought it would be fun to give you a little...

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It can be easier than you think to put the brakes on high auto insurance rates - as an independent agency, Cowart Insurance can help! We can review your policy and possibly help you find a variety of illuminating ways...

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When looking at your life insurance needs in the Atlanta, Georgia area, whether your goal is to replace income, send kids to college or take care of final expenses, whole life insurance can provide certainty and peace...

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Those lazy days of summer will be here soon. The weather is getting warmer. If you're like most bikers, you're gearing up to hit the open road. Before you get your motor running, be prepared. There are many specialized...

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Spring is a time of new beginnings in Dacula, Buford, Suwanee and Hoschton, Georgia - and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at...

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Our hearts go out to everyone dealing with the challenges and hardships of the after-math of Superstorm Sandy. Luckily, catastrophes like Sandy don't happen very often. When they do, the vivid lessons they offer help...

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5 year Simple Issue Term Life Insurance is a much better buy than Credit Life Insurance Many people purchase items such as Cars, Boats, Motorcycles, Recreational Vehicles, and furniture on credit. Some take out loans to...

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There's nothing like cruising down the open road on your motorcycle - the wind in your hair and a few bugs in your teeth. Before you hit the highways this season, make sure your insurance policy is up to speed so that...

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Daylight Saving Time begins Sunday, March 10, 2013, for most places in the United States, so don't forget to set your clock forward one hour. We here at Cowart Insurance want to remind you it's also a great time to...

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Cowart Insurance Agency is proud to have been able to represent Safeco Insurance Company for 25 years. This week Lori Stewart, Territory Manager for Safeco, presented Keith Cowart with an award to commemorate his 25th...

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Ah, Valentine's Day is here, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say "Be Mine" - and, of course, jewelry. It's exciting to receive jewelry...

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It goes without saying that keeping yourself and your family healthy through the winter months in Atlanta can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around colds...

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Have you considered buying flood insurance? Before you answer "no" and add, "Why would I need that?" or "I don't live anywhere near a river!" you should know that many home and business owners have offered similar...

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You come home after a long day and the only plan you have for the evening is to have a relaxing night at home. But when you open the front door there is water all over the floor and you hear water running from the...

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Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in...

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Have you recently added any permanently attached equipment to your vehicle like a toolbox, ladder rack, or cleaning equipment? Or did you recently get a custom paint job or vehicle wrap to advertise your business? If...

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Year after year, studies show that Americans give more to charity than the residents of most other countries. We care about our communities and our fellow citizens, and we express that conviction with our donation...

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As parents break away from their hectic summer schedules, thoughts begin settling into the routines of fall and a new school year. One of those should be to make sure you and your children are properly covered in the...

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One of the primary functions of commercial property insurance is to provide financial means to repair buildings that are damaged due to catastrophic losses such as wind and hail storms. Commercial building insurance is...

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