Providence Insurance- Bagby Agency

Workplace plans are fantastic, but they often don't offer enough coverage for your family to maintain their current standard of living. $100,000 to $200,000 sounds like a lot of money, but it usually wouldn't knock out your mortgage balance. Do some quick math and add up these common expenses you'd want to knock out for your family. Subtract out how much you have at work, and boom! There's the amount you'd need to start with to properly insure yourself.

It's home buying season! Here's a quick tip: Not only should you get your home inspected, but more specifically, get a certified roofer to inspect the roof for wind or hail damage during your due diligence period. If damage is found, the claim should be filed on the seller's homeowner policy. It can potentially save you thousands of dollars. At best, your new carrier would cover the claim leaving you out your deductible and potentially losing claims free discounts for several... years. At worst, depending on the carrier, they could totally deny the claim since the damage happened prior to your ownership of the house, which would leave you paying for an entire new roof out of pocket. Roofers are usually more than willing to provide a free inspection. Ask your real estate or insurance agents for a recommendation on a quality roofing company. #insurance #homeownerinsurance #newhouse #realestate

13% of drivers on the road are uninsured on average nationally. 12% in GA. The state (Florida) with the most has more that 26% of their vehicles on the road uninsured . Uninsured (UM) coverage is incredibly inexpensive (~$10/month) when you think about insuring every driver on the road. ... Get with your agent and make sure you have it. Avoid the potentially huge financial loss of having to pay for damage to your vehicle and/or medical care out of pocket. Give us a follow on Instagram: @myinsuranceguy #autoinsurance #personalfinance #insurance #financialplanning

Merry Christmas!