Review Your Home Policy to Ensure It’s Keeping up with the Value of Your House

If you own a home in the greater Buford, GA area, Town & Country Insurance is here for you. Our team provides knowledgeable and friendly service and looks forward to working with you. We’re here to help you keep the right homeowner’s insurance in place to provide adequate coverage for your family home. Stop by our office today or give us a call to find out more.

As Your House Value Increases, Your Insurance Needs Might Also Change

Your home is likely the largest financial investment that you’ll make in your lifetime. It’s important to protect your investment and make sure that you have an appropriate policy in place. It’s very common for our clients to simply renew their policies year after year without looking too closely at the level of coverage that they provide. 

We think it’s a good idea to carefully review your current policy at renewal to make sure that the level of coverage it provides continues to be appropriate. Over time, your home’s value will likely increase, thus creating a need for a higher level of protection. Your local agent can help you with this review and help you keep the right policy in place.

You can rely on us for all your insurance needs!

Town & Country Insurance is proud to serve your insurance needs. If you own a home in Buford, GA or one of the surrounding communities, turn to us for all your insurance needs. Our team is here to provide answers to any questions you have to help you find the right policy for your needs. Give us a call or stop by today to learn more.

Insuring Recreational Vehicles

Beyond cars and trucks, many families have added recreational vehicles to enhance the enjoyment of their spare time. If you own a boat, ATV, personal watercraft, motorcycle, or other vehicle designed for "fun", you should understand they too, should be insured.

The Need For Recreational Vehicle Insurance

Just like your car or truck, recreational vehicles can be damaged and cause damage. They could be stolen or be involved in incidents that cause personal injury. These are all reasons that your ATV, boat, or other vehicle designed for recreation should be properly insured. Many also need to be transported via trailer to a site they will be enjoying, placing them at risk while on the road.

Use By Others

It may not always be the best decision, but these vehicles are meant to be enjoyed. They are often shared with family and friends during weekends or holidays. It is not uncommon for a more inexperienced driver to be behind the wheel of an ATV, personal watercraft, or boat. This can increase the potential for damage or injury. Will you be adequately covered?

Your Buford, GA Area Recreational Insurance Specialists

Not only can you count on Town & Country Insurance to insure your home or auto, but we can review your policies to make sure your “toys” are covered as well. While it is true that there may be some protection for these vehicles under your homeowners or auto insurance, that is not always the case.

Town & Country Insurance in Buford, GA can help you fill in any gaps in coverage. If you presently own or are considering the purchase of a boat, ATV, motorcycle, or other vehicle, contact us for a review and price quote. We look forward to assisting you.

What is the youngest age someone should get life insurance?

Life insurance is an important protection and can even be considered an investment, depending on the kind of life insurance and the benefits you choose. Many people put off purchasing life insurance because they don’t think they need it when they are young. At Town & Country Insurance, we understand that life can surprise you. If you are in the area of Buford, GA, let us talk to you about the benefits of locking in a good deal on life insurance when you are young.

Purchasing Life Insurance For Someone Else

There is no minimum age for purchasing a life insurance policy, although there are some rules if you are purchasing a policy for someone else. You must have an insurable interest in the person you are insuring. Otherwise, you could simply insure strangers and receive benefits for yourself when those strangers die. You also need to have permission from the person you are insuring. Many people choose to insure their children at a young age so their children can take over the policy as adults.

Advantages Of Purchasing Life Insurance When Young

Because the value of life insurance depends on risks, many policies will require applicants to provide a medical exam. Most people are healthier when they are younger, developing or discovering serious health problems as they age. Being young is also a good thing because of statistics about when people are more likely to die.

Once you have a great rate, you can keep that rate for as long as you have the policy.

Consult With Us

Protecting your family in  Buford, GA is important, and life insurance is a caring way to do that. If you would like to discuss benefits and rates for various life insurance policies, please call Town & Country Insurance today.

Can I customize my commercial insurance for my small business?

There are a lot of reasons to customize your small business insurance. One of the most practical reasons is that you can save money by only getting what you need. The other most important reason is that you want to make sure that you have all the coverage you need in case anything happens. At Town & Country Insurance, we can help you figure out what your Buford, GA small business really needs so you are prepared for what comes your way.

Get a Business Owner’s Policy (BOP)

This kind of policy is designed to save you money by offering certain kinds of protection together. A BOP is popular among small business owners because it protects you against the most common kinds of claims. Your BOP will probably include coverage for:

  • The property where your business is conducted.
  • General liability in case of injuries caused at your business or because of your business activities.
  • Business interruption coverage in case your business shuts down for reasons out of your control
  • Coverage in case your equipment breaks down.

Get Your Policies Together

When you purchase different kinds of insurance coverage in the same place, you will likely qualify for discounts based on that. Also, by having your policies together, you can make sure that you only get the coverage you need and that your coverage doesn’t overlap.

Every business is unique, and you may have needs that another small business doesn’t. At Town & Country Insurance, we want to help you celebrate your uniqueness while protecting your interests. If you have a small business in Buford, GA, call Town & Country Insurance today so we can help make sure you have the protection you need.

What Does Home Insurance Cover?

Your house is probably one of the largest investments you will ever make, so you will want to protect it with an adequate amount of home insurance. The agents at Town & Country Insurance serving the Buford, GA area understand how important your house is to both you and your family and want to ensure you have the proper home insurance policy.

Many people understand they need home insurance but may understand all of the different things it covers. 

What Does Home Insurance Cover?

A basic home insurance policy will cover the structure of your house as well as the contents inside, such as your clothing and other personal belongings, appliances, furniture, electronics, and more. You can increase your coverage to include all structures on your property, including garages, sheds, desks, and even privacy fences.

You never know when disaster will strike, which is the reason home insurance is so important to have in place. It will help you repair or rebuild your home if it is damaged or destroyed by some sort of natural disaster, such as a tornado or hurricane, a fire, or even an act of vandalism. It will also help you replace items that are stolen during a burglary.

Another way home insurance helps to protect you and your home is through liability insurance. For example, if a guest to your home falls and is injured, your home insurance policy can assist in paying their medical bills or even protect you and your home from a lawsuit.

Contact Us Today

To ensure that you have the proper amount of home insurance in place, contact the home insurance specialists at Town & Country Insurance serving the Buford, GA area today to get your policy started!

Protecting Your Personal Belongings with Recreational Insurance

Vacations, outdoor explorations, and recreational activities are meant to be fun. However, many things can happen in the blink of an eye when you are out and about in Buford, GA. Town & Country Insurance explores recreational insurance, what kind of belongings it covers, and why you need it. 

What is Recreational Insurance? 

Recreational insurance provides coverage for a range of personal effects, vehicles, equipment, and activities that enable you to indulge in outdoor activities safely. It includes insurance for motorhomes, travel trailers, boats, ATVs, snowmobiles, and other adventure vehicles.

What Should Recreational Insurance Cover? 

When obtaining recreational insurance, it is important to understand what items it covers fully. After all, you want to ensure everything you value is protected. A good recreational insurance policy should cover your vehicles, including the trailer or RV you may have, as well as belongings such as equipment, accessories, and any personal items that you bring on your trip. This can include outdoor gear, electronics, jewelry, and other valuable items.

Why Do You Need Recreational Insurance? 

You need recreational insurance to help you recover financial losses in accidents, theft, or other unexpected events. Whether it’s damage to your recreational vehicle or theft of personal belongings, the insurance will help cover the cost of repairs or replacements. Furthermore, it can provide liability coverage if someone else is injured or their property is damaged during the use of your recreational vehicle or the moving of your belongings.

Reach Out To Us

By getting the right recreational insurance policy in the Buford, GA community, you can protect your belongings and enjoy your time knowing you are protected. So, don’t hesitate – contact Town & Country Insurance to get the best coverage for your needs.

Do I have to get my spouse’s permission to get them a life insurance policy?

Losing a loved one can be one of the most difficult challenges in Buford GA. However, ensuring that your family is financially taken care of can go a long way in easing the burden during this difficult time. But what happens when you want a life insurance policy for your spouse?

Do you need their permission to do so? 

The answer is no. Consent from your spouse is not required to take out a life insurance policy from Town & Country Insurance. However, it’s important to note that if you decide to take out a policy, you must have an insurable interest in their life. This means that you will suffer a financial loss in the event of the death of your spouse.

You might consider getting life insurance for your spouse for several reasons. For example, if you depend on two incomes to maintain your household, the death of your spouse could put you in a financial bind. Additionally, it can help cover funeral and burial costs and outstanding debts and provide income for your family while they adjust to life without your spouse’s income.

When determining the amount of coverage needed for a life insurance policy for your spouse, consider factors such as their income and their contribution to household expenses. Also, consider any debts your spouse may have, such as mortgages, loans, or credit card balances.  

Reach Out To Us

Your spouse’s consent is not required to take out a life insurance policy on their life, provided you have an insurable interest. If you are near Buford, GA, contact Town & Country Insurance for answers to all your questions about life insurance.

Georgia Commercial Insurance: The Basics

Are you a business owner in the Peach State looking for the right insurance coverage? Town & Country Insurance in Buford, GA is here to help you navigate the complex world of commercial insurance. With tailored policies designed to safeguard your business, the agency’s experts are ready to guide you in finding the perfect coverage for your unique needs.

Commercial insurance is crucial for protecting your business assets, employees, and financial well-being. We offer comprehensive insurance solutions to businesses of all sizes and types.

Here are the basics of Georgia commercial insurance to help you make informed decisions:

General Liability Insurance:

This essential coverage protects your business from financial losses resulting from third-party bodily injury, property damage, or personal and advertising injury claims. It is a foundational policy for businesses of all sizes.

Property Insurance:

Protect your physical assets, such as buildings, equipment, and inventory, from damage caused by fire, theft, and other covered perils. This policy is a must-have for businesses with substantial investments in physical assets.

Workers’ Compensation Insurance:

In Georgia, businesses with three or more employees are required to carry workers’ compensation insurance. This policy covers medical expenses and lost wages for employees injured on the job, while also providing employers with protection against potential lawsuits.

Commercial Auto Insurance:

If your business owns, leases, or uses vehicles for work-related purposes, commercial auto insurance is necessary. This coverage protects against liability and physical damage resulting from accidents involving your business vehicles.

Business Owners Policy (BOP):

A BOP combines general liability, property insurance, and business interruption coverage into one convenient package. It is an excellent option for small to medium-sized businesses looking for comprehensive protection.

We Are Here To Help!

As a business owner, understanding your commercial insurance needs is crucial for long-term success. Contact Town & Country Insurance to discuss your specific requirements and find the best coverage for your enterprise in Buford, GA. For more information, reach out to our knowledgeable team today.

Are There Items Not Covered by Home Insurance?

Yes. Termite, insect, and rodent damage is not covered by insurance. Rot, mold, and mildew aren’t covered, either. These are the results of negligence in not properly maintaining the house. If damage stems from ordinary wear and tear on the house, then it won’t be covered by home insurance. What else isn’t covered? Town & Country Insurance in Buford, GA will tell you all about it.

What Isn’t Typically Covered Under Home Insurance?

Identity Theft

When we think of home insurance, we think of catastrophes like fire, floods, and earthquakes. What we don’t think of is identity theft. No insurance covers that.  

Dangerous Dog Breeds

Depending on how certain breeds of dogs are raised (with love or with anger,) they either cuddle or bite. For instance, we’ve had pitties that thought they were lap dogs, but they frighten everyone else. Forget home insurance if you have a “dangerous” dog.

Home-Based Businesses

Running a daycare or running a puppy training program in your home could result in damage to the home. While toddlers and puppies are fun and cuddly, they also chew on the oddest things. Don’t expect home insurance to help.

Nuclear Hazards

Nor do we think of nuclear hazards in connection with home insurance. There’s a nuclear power plant near dozens of major cities. If something happened to the inner workings of the plant, it could mean an explosion. It would mean radiation. Unfortunately, your house won’t be covered. 


We’ve all seen the pictures on the news of war in the Middle East and other areas. The houses are shot up, on fire, or just demolished. If war should land on our shores, home insurance would disappear.

Give Us A Call

Town & Country Insurance in Buford, GA knows what is and isn’t covered by home insurance. Drop by today or call to discuss it with our insurance professionals.

Three misconceptions about recreational insurance

If you own a recreational vehicle, it’s definitely a good idea to purchase an insurance policy that will cover the liabilities and expenses you face. Recreational vehicle owners in Buford, GA can purchase their recreational insurance from Town & Country Insurance.

The following are three misconceptions about recreational insurance:

Recreational insurance isn’t really necessary for those who don’t use their RV very much.

It doesn’t matter how infrequently you use your recreational vehicle. You still need to make sure that you’re carrying recreational insurance whenever you’re out on public roads. 

Recreational insurance is almost definitely going to be a necessity for you regardless of how infrequently you use your RV. 

Those who have home insurance don’t need recreational insurance.

Unfortunately, you cannot rely on your home insurance policy to cover all your recreational insurance needs.

Home insurance may offer you limited coverage when your recreational vehicle is being stored on your property. However, home insurance won’t cover your recreational vehicle when you’re out on the roads. 

Recreational insurance policies are all very similar. 

It’s important to carefully consider recreational insurance policy offerings. Not all recreational insurance policies are the same. There are a lot of differences in terms of what types of coverage and how much coverage individual recreational insurance policies offer. 

Give Us A Call

At Town & Country Insurance, we’re here to help RV owners in Buford, GA to get the insurance coverage that they need. If you are on the market for recreational insurance and would like to get a quote, we’re here to come to your assistance. Contact us today so that you can learn more about our recreational vehicle insurance offerings.