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1030 US Hwy 80 W, Unit 723
Pooler, GA 31322

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Covenant Insurance Blog

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Why You Need Life Insurance For Your Family

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The Lasting Gift of Life Insurance

Life insurance is one of the most enduring gestures of care you can extend to your loved ones. Although it may seem like another monthly expense, its financial security and peace make the cost worthwhile.

Coverage for Annual Financial Losses

Life insurance becomes crucial if you have dependents, such as a spouse and children, who rely on your salary. In the unfortunate event of your untimely demise, these funds can be utilized to cover the annual expenses that your family expected while you were alive and working. This money can help sustain necessities such as mortgage payments and utilities.

Eliminate Debt

Since a life insurance policy can provide your beneficiaries with a substantial financial lump sum, this money can be used to eradicate any lingering debts. Anything outstanding, including mortgage, car payments, or other inheritable debts, can be cleared with these funds. Even medical bills accrued leading up to your demise can be covered. This facilitates your loved ones to enjoy the assets you left behind fully.

Coverage of Tuition Costs

As a parent or spouse, you may have earmarked funds to cover your dependents’ college tuition fees. A life insurance policy enables them to create a reserve for their education when the time comes. Based on the number of dependents, including your spouse, you can designate sufficient amounts to cover their education as you had intended.

Inheritance

It is a common wish to leave a financial legacy for loved ones. A life insurance policy can be used to bestow them with the funds you envisioned they would need to start their life on a secure footing to help them avoid excessive debt.

If you are in the Pooler, GA, area and wish to discuss your life insurance options, contact Covenant Insurance today for more information.

Top Factors to Consider When Choosing Motorcycle Insurance in Pooler, GA

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Are you a biker in Pooler, GA, seeking comprehensive motorcycle insurance coverage? Look no further, as our experts at Covenant Insurance are here to guide you on the key factors to consider.

Prime Factors to Keep in Mind When Picking Motorcycle Insurance

If you’re new to motorcycle insurance, it’s crucial to consider some key aspects when selecting the most suitable policy.

Decipher Your Coverage Options for Georgia Motorcycle Insurance

Initiate a conversation with a reputed local insurance provider to understand the various motorcycle insurance coverage options tailored to your specific driving history, preferences, and budget. A licensed and well-informed agent can present a custom quote and options for a comprehensive or liability-only motorcycle insurance policy.

Understand Georgia State Insurance Requirements for Liability and Comprehensive Coverage

Make yourself aware of the mandatory insurance requirements set by the Georgia state for bikers in the Pooler area. Typically, a liability-only insurance policy compensates for the costs of legal and medical claims arising from an accident where you’re at fault. Bikers seeking broader policy limits can choose for full coverage or comprehensive motorcycle insurance, encompassing the rider, the bike, other motorists, and non-collision-associated incidents.

Scrutinize Your Insurance Provider’s Standing

A positive community reputation signifies a successful insurance company. The best insurance providers prioritize their clients’ needs. Opt for a well-regarded insurance provider like Covenant Insurance in Pooler to safeguard your two-wheel investment.

Our motorcycle insurance experts can advise you on the optimal policy options for your unique driving situation and provide a free quote. Contact our offices today!

What Types of Storm Damage Will My Policy Cover?

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Storm damage is indeed a major concern for homeowners in Pooler, GA. Our area frequently experiences tornadoes and tropical storms, prompting homeowners to ponder over what type of damage their homeowner’s insurance policy will cover. Covenant Insurance can recommend an insurance policy that adequately covers all types of storm perils.

Most Policies Have Wind Damage Coverage

Whether straight-line winds or gusts from a thunderstorm cause damage, those events usually receive coverage. However, given Pooler’s location in the southeast, you should double-check your policy to ensure you’re covered for damage from tornadoes and tropical storms. Some policies may require special premiums for those events.

Wind damage could affect various structures on your property and your home. Damage to sheds and other structures, such as fences, may occur, provided coverage B stipulations protect structures outside your original residence.

What Water Damage Will My Policy Protect?

Only certain types of stormwater damage are covered by a standard homeowner’s policy. For instance, if a storm breaks open and one or more windows or siding is ripped off the side of your home, resulting in water infiltration, damage from both types of events is covered. However, flooding that may occur due to rising waters from a tropical storm or hurricane is not covered. It would be best to consider getting additional coverage for these events through a separate storm policy.

Some areas may require additional storm coverage premiums, depending on your location. Covenant Insurance, serving residents and businesses in Pooler, GA, can advise you on the types of coverage you need for complete storm protection. Contact our agents today to learn what types of storm perils your policy will cover and all associated costs.

Is Your Watercraft Insurance Adequate?

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Do you have comprehensive insurance for your boat, jet skis, wave runners, trailers, and everything else you take out on the water? At Covenant Insurance, we have developed some guidelines for our customers in Pooler, GA, and throughout the state.

  • Most of our customers opt for "agreed value" insurance for their boats and other watercraft. This implies that standard boat insurance compensates the boat’s value minus depreciation in case of a total loss.
  • Boat owners in Georgia need year-round protection. This includes coverage for your boat, whether it’s on the water, road, or stored safely away.
  • All-hazard coverage safeguards your boat regardless of how it is damaged by collision, storm, or accidental mishap. Theft coverage is also available.
  • Including medical coverage for boat-related accidents is essential. The deductible for this coverage is often lower than your health insurance policy.

Another vital factor in insuring your boat is liability coverage. If you have substantial cash or liquid assets, allow your teenagers to operate your boat, or use your boat as a party craft, you should consider umbrella insurance in addition to your standard watercraft policy.

Umbrella insurance increases your liability coverage from the relatively low limits in most boat policies to $1 million, $5 million, or even more.

Umbrella insurance covers you for incidents with your boat that happen in international waters. It helps foot the bill for legal expenses. It can also safeguard your hard-earned cash in the unfortunate event of an injury accident with your watercraft.

Whether you live in Pooler, GA, or anywhere in the state, Covenant Insurance has got you covered. Reach out to us today for a policy review!

Should My Business Apply for a Business Owners’ Policy?

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At Covenant Insurance, we want our customers in Pooler, GA, to enjoy the commercial insurance coverage they need. Your business insurance should provide coverage without padding or leaving anything out. A business owners’ policy (BOP) combines the four most commonly needed commercial policies in one insurance package at a lower premium than purchasing them separately would cost. A BOP offers a superb deal to businesses that qualify for it.

Applying for a BOP

Small and mid-sized businesses may qualify for a BOP, but large businesses and corporations cannot. If you’re a solopreneur, a BOP also isn’t for you. Apply for a BOP if your business meets the following criteria: 

  • You only need business interruption coverage for one year.
  • You operate a business in a commercial space, such as a retail store or a similar space. It’s not for those who operate a home business. 
  • Your business employs between one and 100 individuals.
  • Conducts the majority of its business on its premises.
  • Owns assets that a thief could steal.
  • Generates less than $5 to $10 million in sales annually. 

The final criteria vary by insurer. Ask your Covenant Insurance agent for the maximum sales figure for a BOP. 

If Your Business Doesn’t Qualify for a BOP 

If you don’t qualify for a BOP, you can still obtain the liability, business property, and business interruption coverage you need for your Pooler, GA business. You can purchase each type of coverage separately.

Contact our insurance agency today to build your custom commercial policy. Let us help you appropriately cover your Georgia business assets and protect your financial security.

Umbrella Insurance to Cover Health Business Security Breaches

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SouthCoast Health Internet and Phone Services Down

In July 2023, SouthCoast Health experienced a notable interruption in their phone and Internet services that lasted for a considerable two weeks. This unfortunate occurrence led to considerable frustration among customers. Booking appointments became a cumbersome task, and to add to the dissatisfaction, many scheduled appointments had to be canceled.

Potential for Data Breach

Apropos of disasters, news of a data breach surfaced a month following the service interruption. No business or individual likes such a circumstance, as was evident from the tense atmosphere surrounding the Savannah area, a mere 25 minutes away from one of the SouthCoast Health locations in Pooler, GA.

Cyberattack at Community Health Services

Within the same year, a blow to their reputation appeared to come in the form of an attack by Russian cyber criminals on the Department of Community Health Services. Although the Community Health Services are located further from Pooler, the effects were no less real. The infection spread to multiple U.S. agencies, bringing home the reality of what cybercrime can affect.

The Demand for Effective Protection

In light of such incidents, it is abundantly clear that no level of protection is excessive when preventing concurrent and future security breaches. This is fundamentally important, especially with patient lives and data at potential risk. At Covenant Insurance, we extend our hand and our services, urging businesses and individuals to put in place foolproof safeguards to prevent company hackers from taking advantage of any vulnerabilities.

Reputation and Cyberattack

Your reputation stands as a testament to your professionalism and reliability and is, therefore, a key factor in drawing in and retaining customers. However, the possibility remains that reputation could take a nosedive following a publicized breach. Thus, it is vital to stay on guard and prioritize data protection.

Beyond Financial Hardship

When a breach affects more than just financial standing, the consequent events can lead to unpleasant outcomes, such as lawsuits filed by distressed parties. Under normal circumstances, business liability insurance may not aid in recovering all costs related to a major healthcare privacy violation. This is where the highest umbrella insurance level comes in, offering a financial cushion and much-needed peace of mind during such crises.

Business Umbrella Insurance

Having business umbrella insurance is not just advisable but necessary, especially in a healthcare field with high demands for data security. The coverage is meant to mirror your asset value as closely as possible without overlooking related legal costs. Contact Covenant Insurance in Pooler, GA, today, and we will guide you through the necessary steps to safeguard your company from unforeseen cyberattacks.

Three Ways That Condo Insurance Protects You

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When you own a condo, you’ve made a big investment in your property. It’s important to protect that investment with condo insurance. Your condo board and your lender will both require you to have it. But even if neither does, you need this protection and the many types of coverage that come with these policies. When you need condo insurance, give us a call at Covenant Insurance in Pooler, GA. 

Dwelling Protection

The condo is a significant investment and must be covered against damaging events. When a covered event happens, and your condo is damaged, you need this coverage to pay for the necessary repairs. Without this coverage, you might be unable to afford all the required repairs after a disaster, accident, etc. No condo owner should be without this coverage for even a day. 

Liability Protection

This coverage comes with your condo policy to protect you against the high cost of accidents that could happen in your home. You could be liable for the cost if a visitor gets injured while in your home. Condo insurance will pay those medical bills and certain other costs, so you won’t have the financial devastation of paying them yourself. 

Possession Protection

Your most significant investment is next to your home, maybe the things inside it. These possessions need to be protected just like your home. Protection for all your belongings in the condo is included in condo insurance. It’s important to have this coverage in case a damaging incident causes your possessions to be destroyed. 

Get Condo Insurance 

When buying a condo, you can come to us for your condo policy. Call us at Covenant Insurance in Pooler, GA. 

Three Common Reasons Why Life Insurance Claims Are Denied

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How to Avoid Denials of Life Insurance Claims

No one wants to experience the disappointment of having a life insurance claim denied. Unfortunately, this distressing situation befalls beneficiaries worldwide every year. Life insurance policies, when well-managed, can be a financial lifesaver following the loss of a loved one. Here at Covenant Insurance, Pooler, GA, we care about you, which is why we want to help you avoid such disappointment. Below are the most common reasons life insurance policies are denied and tips to ensure your policy pays out according to plan.

1. Violations within the Contestability Period

Numerous insurance policies feature a two-year contestability period. During this span, the insurer can contest the claim for just about any valid reason. For example, if an applicant provided inaccurate information during application and unfortunately dies within this period, the claim may be denied. Therefore, honesty and accuracy during application procedures are vital, even if the death was unrelated to the shared information.

2. Uncovered Cause of Death

Life insurance policies often come with some exclusions. These typically include the cause of death. If the policyholder dies while engaging in high-risk activities like SCUBA diving, skydiving, or the like, the claim may be denied. Frequently, such exclusions are limited to death by suicide. At Covenant Insurance, Pooler, GA, we can help you understand the necessary exclusions related to your policy.

3. Unpaid Premiums

Another typical reason for claim denial is the non-payment of premiums. If the policyholder dies with overdue premiums, the insurance company is likely to deny the claim. Consequently, it is essential to maintain punctual payment of your policy premiums.

Avoid Life Insurance Claim Denial

If you have questions about your life insurance policy or need assistance purchasing one, we at Covenant Insurance, Pooler, GA, are here for you.

Insurance is Part of Every Rider’s Safety Checklist

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It doesn’t matter if it is across the street or across the state, motorcyclists can never be too safe. That means, from safety gear to motorcycle insurance, nobody should ride without taking the necessary precautions, no matter how long or short the trip. When it comes to motorcycle insurance, bikers can count on Pooler, GA riders riding with the expert agents at Covenant Insurance.

For Extra Protection Your Two Wheels 

Yes, motorcycles embody the idea and feeling of freedom, but they also pose risks that are unique to those on two wheels. That is also one more reason why everyone who rides a motorcycle should include insurance as part of their safety checklist. 

Insurance is Part of Every Riders Safety Checklist

Motorcycles are less visible, offer less protection than their roadway counterparts, and have less room for error. Helmets, sunglasses or visors, good footwear, and other safety items are designed to help protect riders, and so is motorcycle insurance. 

So, when you get ready to start your adventure, be sure to check off your safety checklist, including motorcycle insurance. Don’t take chances with your bike or your health, and get the insurance solutions you deserve from your local agents at Covenant Insurance.

Motorcycle Insurance for You and Your Ride

If you live in or around the Pooler, GA area and ride a motorcycle, then include our team at Covenant Insurance as a part of your safety checklist. Contact us today and ride with all the protection you need for your bike and your ride.

Using Commercial Insurance in the Foundation of Your Startup Business Plan

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When you’re in the planning stages of starting a business, there are a lot of future concerns to consider. One of those is contingencies, your backup in case things don’t go exactly as planned. You might set aside some of your funding as a resource to call on if needed. Perhaps a shipment is delayed, there’s a vehicle accident or a key person on your team is unable to work for a while. At Covenant Insurance, we can help your company in Pooler, GA cope with the unexpected by adding commercial insurance to your business plan, freeing up more of your capital for the exciting work at hand.

Add Risk-Experienced Professionals to Your Team

To help you manage risks as your business is getting off the ground, insurance provides a double benefit because it draws in experts in managing risk. They can help you get the most out of your commercial insurance coverage and give your company a boost with expertise you’ll appreciate. Instead of worrying, you can get help preparing your expectations for variables in your business future, up to and including the weather.

Consultations Even Before You Open Your Doors

Placing the details of your insurance coverage in your business plan helps provide a solid foundation that reduces the "what ifs" that you consider unknowns, giving you a more solid feeling about the future. Your Pooler, GA business’ future is supported by carefully selected coverage and planning that helps you adjust the coverage in the future in response to your growth and success. Stay connected with insurance and risk experts who have helped many other companies to wisely use coverage as they start up and grow. Just give us a call at Covenant Insurance today, and see how!

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