September 16, 2020
AgencyHow to File a General Liability Insurance Claim
In every business, there is a chance that your mistakes could harm a client. Sometimes, these mistakes could cause them physical injuries. When they do, the client could face significant recovery costs, lost income and medical bills. However, since the business was the party responsible for the accident, they might have to be the one […]
August 27, 2020
AgencyUnderstanding Homeowners Insurance Exclusions
When you buy a house, you will likely have to buy homeowners insurance, too. Most lenders require it because it can help you afford to rebuild your home and protect its value following an accident or other hazard. However, while you might think your policy will cover damage of all kinds, that isn’t always true. […]
July 15, 2020
AgencyWhy Car Insurance Premiums Might Rise When You Move
Georgia continues to attract new residents, particularly to major urban areas like greater Atlanta. People today are more apt to move frequently to meet the demands of career or family. Still, even if you only relocate a few miles, you face different risks and liabilities than you did in your old home. That’s even true […]
June 15, 2020
AgencyCommercial Auto Insurance Vs Personal Car Insurance
When carrying commercial auto insurance, your coverage must meet the state liability limits. Your agent can help you understand the minimum coverage limits. However, if you own a business vehicle, you need to know the difference between personal and commercial auto insurance. Personal vs. Commercial Car Insurance When differentiating between commercial and personal car insurance, […]
April 15, 2020
AgencyWhat Type Of Car Insurance Is Required?
Among the basics of car insurance are the state laws regarding coverage for drivers. Each state is different, but all require some amount of coverage for drivers to operate legally on the road. There are three main types of car insurance coverage required by states: Bodily Injury Liability Bodily injury liability is coverage that steps […]
March 23, 2020
AgencyWhat Does And Doesn’t A Business Owner’s Policy Cover?
A business owners policy, or BOP, combines certain coverages into a single policy that’s typically more affordable for small businesses than purchasing separate coverages. There’s often confusion in what a BOP covers, however. A basic BOP includes: General Liability: This covers incidents involving bodily injury or property damage to a third party that occurs as […]
February 19, 2020
AgencyHow Often Should I Have My Home Reappraised?
We often underestimate the ripple effect homeowners and businesses can have on local property values. A new grocery store in the area and a handful of fixer-uppers getting repaired can have an enormous impact on the perceived worth of neighboring properties. Because the housing market can change so dramatically in such a short amount of […]
January 21, 2020
AgencyMaintenance Tips To Keep Your Car Running Smoothly
Keeping your car running optimally increases the life of the car. It may even help you avoid accidents — which can ultimately save you money on your car insurance. Here are five easy maintenance tips that can impact your auto insurance costs over time. 1. Keep Your Tire In Good Condition These simple maintenance checks […]
January 1, 2020
AgencyWelcome to the Hembree Insurance Blog
Welcome to the Hembree Insurance blog section. We will have more articles here soon.