Personal Insurance

Let Taylor, Towson & Braddy help you with all of your Personal Insurance Needs

The professionals at Taylor, Towson & Braddy Insurance Agency take your business seriously. That’s why we personally handle each request for policy premium quotes. We provide policies to cover personal insurance requirements of all types, from health insurance to personal watercraft. Nothing is more important to your personal life than the health of you and your family and your property. To adequately protect your personal life, consider the following types of Personal Insurance Coverage and contact our office to personally answer your questions.

Auto Insurance

Auto insurance is a contract between you and the insurance company protecting you against financial loss if you have an accident. Auto Insurance policies have different legal requirements for coverage that vary from state-to-state. It's essential that you consult an insurance agent to learn exactly what protection you and your vehicles need. Contact one of our agents to receive a quote.

A standard auto insurance policy will typically cover:

Bodily Injury Liability
Medical Payments or Personal Injury Protection
Property Damage Liability
Collision
Comprehensive
Uninsured and Underinsured Motorist Coverage

Motorcycle Insurance

Motorcycle insurance covers any damage to your motorcycle or by your use of your motorcycle. You cannot cover your motorcycle under an automobile policy. Even more important is the coverage the motorcycle insurance provides to protect you or the people who ride on your motorcycle with you. Protect yourself by carrying the correct amounts and types of motorcycle insurance.

A standard motorcycle policy will typically cover:

Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy protects the home itself and it's contents. There is no denying the fact that your most valuable asset in this world is your home. We strive to ensure that you do not enter a contract without sufficient knowledge of the extent of its coverage, compensation and settlement of claims. At Taylor, Towson & Braddy, we help you find the right insurance policy just for you. We will guide you through the different policy options and help you decide which insurance plan works best for you.

A Georgia homeowners insurance policy covers a wide range of risks including:

Damages from fire or smoke
Lightening damages
Damages from falling objects
Damages from freezing, hail or wind storms
Theft & Burglary
Vandalism
Vehicle Damage
Damages from plumbing or electrical gadgets and appliances
Injuries to you or your family members

Renters Insurance

Renters Insurance is an important addition to your landlord's Homeowners Insurance policy. If you are renter, your house or apartment will probably be covered against theft or disaster. However, its contents may be excluded from coverage, leaving you responsible for their protection. Our insurance professionals can answer your questions regarding your particular needs. We provide renters insurance policies all across the state of Georgia. We have always believed in working for our customers and don't want to leave any stone unturned to earn your trust.

Types of damage typically covered by Renters insuance:

RV Insurance

Motor home owners need insurance to protect their asset in the case of fire, flood, theft, or any other damage. RV insurance provides protection if you cause injuries or damages to others, and it can also cover the cost of damages to your vehicle if a covered incident occurs. You can choose from coverages that will differ depending on how the RV is used- recreationally or as a full time residence.

The coverage cost depends on many different things including these common questions:

What is the type of vehicle used and how often is it used?
Also, approximate the durations of the vehicle's use.
How many drivers are going to be covered under the insurance?
Is the vehicle a basic model or does it have speciality features such as awnings or an upgraded cooking section?
Can you determine what the total loss replacement value would be?
Are you interested in full-time coverage or, if the RV is only used a few months of the year, would you be interested in suspending coverage while it's not in use?

Watercraft Insurance

Boat insurance is a type of policy that covers watercrafts and their users against any misfortunes that may come their way in terms of accidents, liability, and vandalism. It doesn't matter whether you are responsible for the watercraft or if someone else is using it, your boat policy will cover you completely. One of our agents can offer you the best policy that will suit all of your needs.

A standard boat Insurance policy will typically cover:

Damages that may occur to another pwc, boat or dock.
Any body injuries and even death of another person for which you may be held responsible.
Any damages caused by another person using your boat.
Injuries that may be inflicted to water skiers under tow and wake boarders while using your boat.
Damages that may occur to the equipment, hull and machinery on your boat.
Injuries caused to you by an uninsured boat.
Provision of assistance in terms oftowing in case of break downs while out on the water.

Condo Insurance

Condo insurance is coverage that helps protect against losses and repair costs for a condominium unit. Condo insurance often provides protection for theft, vandalism, fire damage, water damage, and more. Their insurance might cover the building, commonly owned property, and liability insurance for the association. Condo policies help protect your personal property and the interior of your unit.

A standard Condo insurance policy will typically cover:

Your belongings
Injuries on/around your property
Temporary living expenses during repairs
Property damage
Customizations/upgrades, such as new granite countertops, updated kitchen cabinets (if you alter/change the unit, you will then become responsible for it)

Flood Insurance

It's important to understand that the conventional homeowner's coverage is not sufficient to protect the home and belongings from water damage. The typical flood insurance policy doesn't remain restricted to floods only. It also covers damages that occur due to other natural disasters like storms, melting snow, inadequate drains or hurricanes. Let one of our trusted agents help with your policy needs.

A standard Flood insurance policy will typically cover:

Electrical and plumbing systems
Furnaces and water heaters
Refrigerators, cooking stoves, and built-in appliances like dishwashers
Permanently installed carpeting
Permanently installed cabinets, paneling, and bookcases
Window blinds
Foundation walls, anchorage systems, and staircases
Detached garages
Fuel tanks, well water tanks and pumps, and solar energy equipment

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