Michelle L. Williams
Independent Insurance Broker
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(478) 259-7333 (Main Number)
(888) 245-0176 (Fax)
(478) 259-7333 (Main Number)
(888) 245-0176 (Fax)
Rates as Low as $39/per month!!!
Auto Insurance
Auto Insurance
Understand the Type of Coverage That’s Right for You
All automobile insurance policies are designed to cover your car if an accident occurs. However, there are many types of policies on the market, due to the wide range of vehicles that need coverage and the varying levels of coverage that different drivers desire. Many first-time Atlanta Auto insurance-buyers feel overwhelmed by all the options, so we have broken it down into five major categories:
- Collision Coverage: Pays, up to the coverage limit, for damages to your vehicle or a vehicle you are operating if it hits another car or object, or it overturns. This type of coverage is typically required if you are financing your vehicle.
- Comprehensive Physical Damage Coverage: Comprehensive insurance is considered one of the highest forms of protection that a driver can get. Comprehensive car insurance helps cover the cost to repair or replace your vehicle if it’s stolen or damaged in an incident that is not a collision. Comprehensive coverage would cover damage from fire, vandalism, falling objects, or natural disasters. Like collision insurance, if you owe money or have your vehicle leased, comprehensive coverage is likely required by your lien company. If your vehicle is paid in full, you can choose whether or not you carry comprehensive insurance.
- Liability Coverage: Provides coverage to pay for another individual’s bodily injuries or damages to their vehicle or property that you are legally responsible for. This type of insurance is required in most states.
- Medical Payments Coverage: This type of coverage is part of an auto insurance policy and may help pay your or your passengers’ medical expenses in the event of an auto accident. This type of insurance can be implemented regardless of who caused the accident. It may cover hospital or doctor visits, surgery, x-rays, prostheses, ambulance, medical technician expenses, professional nursing services, and health insurance deductibles. Keep in mind that this type of coverage is optional and is not available in all states.
- Uninsured/Underinsured Motorists Coverage: If you are in a hit-and-run accident or an accident with someone who does not have insurance, Uninsured Motorist Coverage pays for pain and suffering not covered by medical, disability, and Personal Injury Protection. Underinsured Motorist Coverage covers bodily injury to you or your family if the person legally responsible does not have adequate coverage.
Homeowner's Insurance
Homeowner's Insurance
Affordable Homeowners Insurance
Homeowners have a major investment to protect. By working with The Williams Agency Insurance you can keep your investment safe with affordable insurance coverage.
Anyone who owns a mortgage on a home will need to obtain an insurance policy. This policy also protects the homeowner against a variety of situations that are beyond the control of the mortgage holder. This includes natural disasters, vandalism, accidents, structural damage and more.
Additionally, a homeowners policy is required by many lenders. Financial institutions can turn down the homeowner’s request for financing if insurance coverage is not obtained at the time of closing. Many first-time home buyers overlook this detail. Without the correct level of coverage, the financing of the home can be difficult or impossible. Speak to a qualified insurance specialist to find out how to cover your home.
What Is Covered by Homeowners Insurance?
Homeowner policies are designed to protect homeowners against a wide variety of situations. Below are some of the types of coverage provided by typical homeowners policies:
- Coverage for damages caused to the physical structure of your home and permanent structures on your property such as pools or sheds
- Coverage for damages caused to your personal property inside your home
- Coverage for injuries caused to your household pets while inside your home
- Coverage for your personal liability if guests are injured while in your home
- Coverage for additional costs that you may incur if you need to live elsewhere temporarily as a result of fire or other covered disasters
Some types of maintenance can also be covered by a homeowners policy. However, these items are often itemized and optional. For example, the property might have a tool shed that needs to be repaired because of wear and tear. Or, the curb and lawn might require additional coverage. House fires are also common items covered in these policies. The Williams Agency help you assess what type of coverage is best for your needs.
Renter's Insurance
Renter's Insurance
Renters Insurance in Georgia
This insurance policy is designed to protect belongings inside of the tenant’s living space. This applies regardless of the type of property being rented. Renters insurance Atlanta policies can be applied to a mobile home unit, an apartment, or even a rental home. However, it is important to understand that this particular policy will not cover the actual property.
Conversely, the property owner may take out a separate policy, but this will not cover any of the items stored by the tenant. The insurance company will reimburse the policy holder for the amount of damage that occurred while the items were stored while located on the insured property. To qualify, the renter will often be required to itemize a list of belongings.
Understand the Difference Between Renters and Homeowners Insurance
Renters insurance protects belongings inside of a tenant’s living space, regardless of what that space may be. You can benefit from renters insurance whether you live in a condo, mobile home unit, an apartment, or a single-family home. However, it is important to understand that a rental policy will only cover your possessions and not the actual property. Conversely, the landlord should take out a separate policy that protects the property and building, but not the tenant’s belongings.
Commercial Auto Insurance
Commercial Auto Insurance
A commercial auto insurance policy covers physical damages to business vehicles like cars, vans, and trucks. This is different from the type of auto insurance policies that cover personal vehicles. Business and commercial auto insurance is a separate item because of the high level of risk that goes with operating business vehicles. This coverage can apply to heavy equipment vehicles like semi-tractors and other large trucks. It can also apply to commercial trailers and other automobiles if they are used exclusively for business purposes.
If you are running a small to medium-sized business with two or more vehicles dedicated solely to business purposes, consider commercial fleet insurance. Fleet insurance is ideal for a business searching for coverage on any kind of motorized equipment such as vans, cars, trucks, tractors, tractor-trailers, buses, and SUVs. Many of these businesses are small trade companies that are looking for cheap fleet insurance coverage to keep overhead low as they improve the stability and/or scale of their businesses.
These policies usually include commercial auto liability, physical damage, medical expenses, uninsured motorists, and hired vehicle protection. Rates can sometimes be adjusted to reflect the busy and slow seasons where the level of risk is different. Business vehicles should always be insured to protect the company against claims.
Types of Commercial Auto Insurance Coverage
Below are some of the coverage options for your commercial auto insurance. Your Velox Insurance agent will help you assess which policy is best for your needs.
- Collision Coverage – Collision Coverage pays up to the coverage limits for damages caused to your vehicle or a vehicle you are operating if it hits another car or object, or overturns. This type of coverage is typically required if you are financing your vehicle.
- Combined Single Limit – Since liability policies usually offer separate limits that apply to bodily injury claims for property damage, a combined single limits policy provides the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
- Comprehensive Physical Damage Coverage – This type of insurance provides coverage for damages to your vehicle or any vehicle in your custody resulting from incidents other than a collision such as theft, fire, vandalism, flooding, hail, or other perils. It is usually required if you have a vehicle loan.
- Liability Coverage – Commercial auto liability insurance provides coverage to pay for another individual’s bodily injuries or damages to their vehicle or property that you are legally responsible for.
- Medical Payments Coverage – If you and your passengers are injured or killed in an accident, medical payments coverage will pay for your doctor, hospital, and funeral expenses regardless of who is at fault. This type of insurance also covers you as a pedestrian if you are hit by a vehicle.
- Property Damage Liability Coverage – This type of coverage protects you if you accidentally damage someone else’s property with your vehicle. It also provides coverage for legal fees in most cases.
- Uninsured/Underinsured Motorists Coverage – If you are in a hit-and-run accident or if you are in an accident with someone who does not have insurance, uninsured motorist coverage pays for pain and suffering that is not covered by medical, disability, and personal injury protection. Underinsured motorist coverage pays for bodily injury to you or your family if the person legally responsible does not have adequate coverage.
Additional Services?
Additional Services?
- ATV
- Boat & Watercraft
- Motorcycle
- Condo
- Landlord
- Mobile Homes
- Builder's Risk
- Business Owner
- General Liability
- Professional Liability