Modern Family Insurance Agency Inc Logo
Get A Quote
Facebook Twitter LinkedIn Yelp* Google Places Blog RSS Feed
Call Us Today: 770-928-9122
Auto Insurance
Home Insurance
Business Insurance
Life and Health Insurance
Quote Center
First Name Last Name
Email:
Phone:
Zip:
Interest:
Real Time Quotes
Refer a Friend

Frequently Asked Questions

Why should I buy homeowner's insurance?
A home can require a tremendous investment of money, time, and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner's insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. Most likely, if you have a mortgage on your home, you are required to carry homeowner's insurance.

How can I lower my premium?
You might be surprised what types of things insurance companies take into account to arrive at your rate.  We offer a free analysis of your home owner insurance and will recommend some ways you can save money and increase your coverage security.  All we need is a picture of the front and back of your home.  We will ask you a few questions and you may be well on your way to better coverage. 

What damage to my house would not be covered by my homeowner's policy?
It depends on the type of policy you own. But in general, unless you buy additional coverage, you won't be compensated for losses due to floods, earthquakes, nuclear accidents, wars, intentional damage, and normal wear and tear. Other exclusions may also apply.

What can I do about expensive possessions, like jewelry and camera equipment, that are far more valuable than the coverage limits of my homeowner's policy?
You can purchase additional coverage, through an endorsement to your existing policy or with a separate policy, to extend the limits of coverage for specific items.

What does it mean when a car is "totaled"?
After an accident or theft recovery, if the insurance company decides your car is "totaled," it means the estimate of repairs exceeds the car's value. At this point, the insurance company will likely send you a check for your car's value. It gets to keep your car unless you make arrangements to buy it back "as is".

What should I do if another driver hits my car?
If you were not at fault in the accident, you will make a third-party claim to the at-fault driver's insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It's your responsibility to pay the repair shop, and the lender if you have a car loan. If the other driver doesn't have insurance, your uninsured motorist coverage will take effect.

What happens if my car is stolen?
If your car was stolen, be prepared to wait. Most insurance companies will impose a waiting period to see if the police recover your car. If your car is still missing after the waiting period, usually 21 days, you should receive a settlement soon after. If your car is recovered during the waiting period, the insurance company will want to see a repair estimate before deciding how to proceed.

When your car is stolen, or you have another claim you will be able to speak to your local office.  No need to go to a website.  Just give us a call.  If you prefer a website we have that available too.  You will find the assistance of a professional agent to be a great asset to have in your corner. 

If I have a minor crash should I not report it to keep my rates low on my car insurance?
Anytime you have a crash no matter how minor you should always call your agent.  Your agent should be able to advise you of the benefits of turning the claim in or not turning the claim in.  
1001 Weatherstone Pkwy Ste 440 Woodstock, GA 30188 | Phone: 770-928-9122 | Email Us | Get Map