
Our goal is to assist in creating a playbook for all your insurance needs.
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We understand that insurance isn't what you do for a living, it IS what we do. We want to assist you in understanding what you have, what you need, why you need it and what it is.
Our Products:
Homeowners Insurance
Auto Insurance
Renters Insurance
Personal Umbrella Insurance
Flood Insurance
Motorcycle Insurance
Condo Insurance
Commercial General Lability
Commercial Property Insurance
Commercial Umbrella Insurance
Commercial Auto Insurance
and more!
Homeowners insurance is a kind of protection for your home and belongings. It helps pay for repairs or replacement if your home or things inside get damaged or stolen. It also covers you if someone gets hurt on your property and sues you.
What does homeowners insurance cover?
It usually covers your home's structure, your personal belongings, and protects you if someone is injured on your property. But there are different levels of coverage, so it’s a good idea to talk with an agent to find out what suits you best.
How much does homeowners insurance cost?
The price depends on things like how much your home is worth, how much coverage you want, and where you live. That’s why working with an experienced agent can help you find the right plan at a good price.
Frequently Asked Questions about Homeowners Insurance:
Who needs homeowners insurance?
Most lenders require you to have homeowners insurance if you have a mortgage. But even if you own your home completely, having insurance is a smart idea to protect against damages or theft.
How much insurance do I need?
It depends on your home's value, your belongings, and how much liability coverage you want. An agent can help you decide the right amount for you.
What doesn’t homeowners insurance cover?
It generally doesn’t cover flooding or earthquakes. If you live in an area prone to these, you may need to buy extra coverage.
Does my credit score matter?
Yes. Your insurance rates can be affected by your credit score because companies see it as a sign of how likely you are to make a claim. Better scores can lead to lower costs.
Do I need to insure my home for its full value?
Not necessarily. But it’s important to have enough coverage to rebuild your home if needed. An agent can help determine the right amount.
What is replacement cost coverage?
This type of insurance pays to rebuild your home if it’s destroyed, based on the current rebuilding costs—not including the land.
What is actual cash value coverage?
This covers rebuilding costs minus depreciation. So, if your home is damaged, you get paid the current value after depreciation, which might be less than the full replacement cost.
Is homeowners insurance required?
Usually, yes—if you have a mortgage. But even if you own your home without a mortgage, having insurance is a good idea to protect your property.
Related Terms:
- Dwelling coverage: Protects the structure of your home.
- Personal property coverage: Protects your belongings inside the home.
- Liability coverage: Helps if someone gets hurt on your property.
- Replacement cost coverage: Pays to rebuild your home at current prices.
- Actual cash value coverage: Pays based on the home's value minus depreciation.
- Deductible: The amount you pay out of pocket before insurance pays.
- Premium: The amount you pay regularly for your insurance.
- Policy limit: The maximum amount your insurance will pay.
Auto insurance is a kind of protection that helps keep you, your car, and other people safe on the road if something goes wrong, like an accident. It can help cover costs like fixing your car or paying medical bills. There are different types of auto insurance, so it’s important to choose what’s best for you.
Auto insurance can pay for many things, such as:
- Repairing your car if it gets damaged
- Medical bills if you or your passengers are hurt
- Covering damages or injuries you might cause to other people or their property
- Renting a car if yours is being fixed
- Towing your car if it breaks down and paying for work done on your car
How much auto insurance you need depends on things like:
- Where you live
- What kind of car you drive
- Your driving history
- What kind of coverage you want
You can get auto insurance by talking to an insurance agent or directly from an insurance company. It’s smart to look around, compare prices, and see what each plan covers. Sometimes, your employer or a club you belong to might also offer insurance plans.
Once you have auto insurance, keep your policy up to date and understand what is covered. It’s also good to know how to make a claim if you need to. The team at Insurance Solutions With Coach B is here to help, so feel free to reach out with questions.
There are common types of auto insurance coverage:
- **Liability**: If you cause an accident, this helps pay for others’ injuries or property damage.
- **Collision**: Pays to fix your car if it’s damaged in an accident.
- **Comprehensive**: Covers damage to your car from things like fire, theft, or natural events.
- **Medical Payments**: Helps pay for medical bills after an accident, no matter who was at fault.
- **Personal Injury Protection**: Covers medical costs and lost wages if you're hurt.
- **Uninsured/Underinsured Motorist**: Protects you if the other driver doesn’t have enough insurance or none at all.
- **Roadside Assistance**: Helps if your car breaks down, like with towing or getting gas.
- **Rental Car Reimbursement**: Pays for a rental car while yours is being repaired.
Some policies also include extra options, like coverage if your trip gets interrupted or if your pet gets hurt. Talk to your agent about all the choices.
The price of auto insurance can change based on things like:
- Where you live
- The type of car you have
- Your driving record
- What coverage you pick
To save money on auto insurance, you can:
- Ask about discounts
- Compare different plans
- Bundle your policies (like home and auto)
- Increase your deductible (the part you pay out of pocket before insurance kicks in)
- Improve your credit score
Peachy Insurance offers many different auto insurance plans, including special features like Accident Forgiveness and New Car Replacement. Contact us today to see how we can help protect you and your car.
How much auto insurance you need depends on your personal situation. It’s best to talk with an agent to find the right coverage for you.
Renters insurance is a type of coverage that protects your personal belongings, like your furniture, clothes, and electronics, in case they are damaged or stolen. It also can help cover costs if someone gets hurt while visiting you or if you are held responsible for damages or injuries.
What does renters insurance include?
- Covering your personal items
- Protecting you if someone sues you for injuries
- Helping with medical bills for guests who get hurt at your place
- Replacing valued belongings
- Helping with living expenses if you can’t stay in your home because of damage
Who can get renters insurance?
The cost depends on things like the coverage you choose and where you live. It’s best to talk to a knowledgeable insurance agent for advice.
In certain areas:
- People living on the second floor or higher, including on Barrier Islands, can get coverage.
- People living on the first floor more than a mile from the coast also qualify.
- Across most of the state, all residences are eligible regardless of how close they are to the water.
What kind of homes qualify?
Coverage is available for homes valuing between $15,000 and $300,000, and you can choose to pay for replacement cost coverage on your belongings. The maximum liability (amount the insurance will pay if something goes wrong) is $300,000.
What homes are not covered?
- Businesses or farms on the property
- Dorm rooms
- Homes with more than four unrelated people living together
- Military housing, camper trailers, live-aboard boats, adult daycare, nursing homes, or assisted living places
- Homes owned by someone else that you only rent
Additional rules:
- You need a deductible of at least $500.
- You generally cannot have both a renters policy and a homeowners or condo policy on the same property unless there are separate living spaces like an in-law suite or guest house. A detailed explanation and proof may be needed.
Who can be covered?
- Renters who are listed on the lease agreement can be added to the same policy.
- You must keep a copy of the lease.
- Unrelated tenants can be on the same policy if they are all tenants and listed as insured.
- Unrelated tenants usually need their own policy unless a special endorsement is added.
Dogs and pets:
- Dogs should be fully grown.
- If you have a mixed-breed dog, all breeds in the mix must be listed.
- Insurance does not cover properties with dogs that have a history of biting.
- Certain breeds like Pit Bulls, Rottweilers, Dobermans, Huskies, and wolf hybrids are not accepted.
Earthquake coverage:
- Not available through renters insurance.
Barrier islands:
- Homes on the first floor of barrier islands are generally not covered, due to higher risk from storms.
- Barrier islands are landforms parallel to the coast that are especially vulnerable to storms, often at the edge of the waterway.
- Distance from the coast is measured from the shore of the land or waterway, depending on the location.
FAQs about renters insurance:
How much does it cost?
Prices vary based on where you live, how much coverage you want, the deductible you choose, and improvements made to the home. It’s best to get a personalized quote from an experienced agent.
Do I need renters insurance if my belongings aren’t worth much?
Yes. Even if your belongings are inexpensive, the total value might still be significant. Plus, your landlord might require you to have coverage. It also protects you if someone is hurt at your place or if you’re held responsible for damages.
Is renters insurance required by law?
Usually not by law, but your landlord might require it as part of your rental agreement.
If I have flood insurance, do I still need renters insurance?
Yes. Flood insurance doesn’t cover other types of water damage or accidents elsewhere, so renters insurance still provides important protection.
What coverage should I get?
The right coverage depends on what you own. To understand what’s best for you, talk to an experienced insurance agent who can give you a free personalized quote.
Looking for the best extra insurance to protect yourself in Texas?
If so, Insurance Solutions With Coach B is the place to reach out to.
Whether you want extra protection beyond your regular auto or home insurance, we can help you find the right policy to keep your belongings safe. Contact us today for a free quote!
What Is Umbrella Insurance?
Umbrella insurance is extra coverage that gives you added protection. Unlike regular insurance for your car or house, it shields you personally.
It helps cover big expenses if something unexpected happens, like serious damage to your home or someone getting hurt.
You might already have auto or home insurance, but why would you need umbrella insurance?
It’s there to protect your personal assets from claims against you, including injuries to others or damages caused by you or your family.
Your umbrella coverage starts paying after your regular insurance limits are used up.
If someone makes a claim for more money than your regular insurance covers, you could be responsible for paying the rest yourself. This could be very costly and stressful.
Without enough umbrella coverage, your savings and property could be at risk.
What Does Umbrella Insurance Cover?
It can protect you in many situations, such as:
- Lawsuits for things like slander or libel (hurtful words)
- Injuries caused by your pets
- Damage to someone else’s property
- Liability when you’re traveling
How Much Does It Cost?
The price of umbrella insurance depends on a few things, like where you live and how much coverage you want.
It’s a good idea to talk to an insurance expert who can help determine what’s best for your situation.
Some factors that can influence the cost include:
- Where you live
- How much coverage you need
- How big your family is
Who Qualifies for Umbrella Insurance?
You might wonder if you can get umbrella insurance. There are some requirements, and it’s best to discuss your personal details with an insurance agent.
Here are some general rules:
Driving Experience and License
- You need at least 3 years of driving experience in the U.S., its territories, or Canada.
Driving Record
- No serious traffic violations or license suspensions in the last 5 years.
- For higher coverage amounts ($1-2 million):
- No more than 2 incidents in the past 3 years.
- Incidents should not be higher than the number of cars you have.
- No more than 1 incident involving a driver under 21 or over 75 in the last 3 years.
- For $3-4 million coverage:
- No more than 1 incident in the past 3 years.
- Same rules about incidents and number of cars.
Loss History
- No liability losses over $25,000 in the last 5 years.
- Only one small liability loss ($25,000 or less) in the past 3 years.
- No ongoing liability claims at the time of applying.
Ineligible situations include:
- Households with someone over 81 years old driving auto coverage.
- Not owning a car.
- Having special exclusions on drivers.
- People in very high-profile jobs that might lead to libel or slander claims, like actors, politicians, or authors.
- Having a history of personal injury claims.
- Owning more than 10 cars.
- Having had auto, home, or umbrella coverage canceled or non-renewed in the past 5 years.
- Certain property setups like LLCs or trusts in specific combinations.
- Owning vehicles outside the U.S. or Canada.
- More than one umbrella policy in the same household.
Coverage Limits:
- The maximum amount you can get through the insurance company is usually up to $2 million per policy.
- Bigger limits (above $2 million) might be available if you have certain underlying coverage and meet other conditions, but generally, limits above $4 million aren’t offered.
Requirements to Get Umbrella Insurance:
- You should already have a standard auto insurance policy with us.
- Your umbrella policy date should be after your regular policies are active.
- All vehicles and drivers in your household should be listed on and covered by your auto and umbrella policies.
FAQs (Frequently Asked Questions):
Why Is Umbrella Insurance Important?
Because it offers extra protection at an affordable price, helping to keep you safe from big legal costs.
Do I Need It?
It’s a good choice if you might face expensive lawsuits or have a lot of valuable assets to protect.
Do I Need Home or Auto Insurance First?
Often yes, since some insurers require you to have one of these policies first. But it’s best to talk to an insurance agent to see what’s right for you.
How Much Do I Need?
The amount varies based on your personal situation. If you’re unsure, ask
Why Should You Get Flood Insurance?
Having flood insurance is a wise way to protect your home and belongings from flood damage. In Georgia, some areas are more at risk for flooding, and there’s about a one in four chance you could experience a flood during a 30-year mortgage.
What Is Flood Insurance?
Flood insurance is a type of protection that helps cover the cost if floodwaters damage your property. It’s available for homeowners, renters, and business owners, even if you live in an area that’s prone to flooding.
What Does Flood Insurance Cover?
Flood insurance pays for fixing or replacing things that get damaged by floodwaters. When buying this insurance, it’s important to understand what’s included and what’s not. Talk to an insurance expert for advice to find the best coverage for your needs.
What Does Flood Insurance Not Cover?
Flood insurance doesn’t cover damage caused by things like leaking water heaters or water from swimming pools overflowing.
How Much Does Flood Insurance Cost?
The price of flood insurance depends on different factors. It’s a good idea to talk to an insurance agent to find out how much coverage will cost based on your situation.
What Affects the Price of Flood Insurance?
- Where you live
- How much coverage you want
- The type of property you have
- The age of your home
Frequently Asked Questions About Flood Insurance
Do I Need Flood Insurance?
Yes, it’s highly recommended, especially in Georgia. Regular homeowners insurance doesn’t usually cover flood damage, so if your home floods, you could face big expenses without insurance.
Does Flood Insurance Cover Water Damage From a Storm?
It can be confusing to tell the difference sometimes. If floodwaters rise because of heavy rain or ground flooding caused by a storm, your flood insurance may help. But if the storm causes damage by tearing off your roof and letting water in, that’s usually not covered.
Is There a Waiting Period Before My Flood Insurance Takes Effect?
Yes, most policies have a 30-day waiting period before they start. The only exception is if you already had flood insurance or if you’re closing on a home with a new mortgage.
Can I Still Get Flood Insurance If I Just Experienced a Flood?
Yes, flooding can happen anytime. If you didn’t have insurance during a recent flood, buying a new policy now can help protect you from future floods.
Do I Need Flood Insurance If I Don’t Live in a High-Risk Area?
Even if your neighborhood isn’t considered at high risk for flooding, there’s still a 1 in 4 chance you might experience a flood over a 30-year mortgage. Surprisingly, 1 out of 4 flood claims happen in areas that aren’t labeled as high risk. So it’s smart to consider getting coverage to stay protected.
What does motorcycle insurance cover?
There are different kinds of motorcycle insurance, and what’s included can change based on the plan you choose. Generally, motorcycle insurance can help pay for things like:
- Fixing or replacing your motorcycle if it gets damaged
- Medical bills if you get hurt
- Covering you if someone else is injured or their property is damaged because of your motorcycle
- Protecting you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough coverage
- Assistance if your motorcycle breaks down or if you need roadside help
How much does motorcycle insurance cost?
The price of motorcycle insurance depends on things like the type of bike you have, your riding history, and how much protection you want. But we can help you find an affordable plan that fits your needs.
Motorcycle Insurance FAQs (Frequently Asked Questions)
Who needs motorcycle insurance?
Anyone riding a motorcycle on public roads is required to have motorcycle insurance.
How much motorcycle insurance do I need?
The amount of coverage you should get depends on your state’s rules and what you personally need. We can help you figure out the right level of coverage for you.
What are some common discounts for motorcycle insurance?
You might be able to get discounts if you’ve taken safety courses, have multiple policies with the same company, and other reasons.
Where can I get motorcycle insurance?
You can buy motorcycle insurance from Insurance Solutions With Coach B!
Condo insurance helps protect your home and belongings. It usually covers damage to your condo caused by fire, smoke, wind, hail, theft, vandalism, or water leaks like burst pipes. Some policies also help pay for costs if you need to move out temporarily because your unit is damaged.
However, condo insurance doesn’t usually cover natural disasters such as floods, earthquakes, or sinkholes. If you're in an area where these happen, you might need to buy extra insurance for those.
The price of condo insurance depends on things like how much your unit is worth and what kind of protection you want.
FAQs:
- If you own a condo, you're responsible for insuring the inside of your home against damage.
- The condo association usually has a master policy that covers the building and shared areas. It's up to you to insure the inside of your unit.
- If you're renting a condo, you'll need your own insurance to protect your personal belongings because your landlord’s insurance doesn’t cover them.
Important condo insurance terms:
- Condo insurance: Insurance that protects the inside of your condo.
- Master condominium policy: The building’s insurance held by the condo group that covers the structure and shared spaces.
- Deductible: The amount you pay yourself before your insurance helps out.
- Coverage limit: The maximum amount your insurance will pay for a claim.
- Premium: The amount you pay regularly for your insurance.
- Renter’s insurance: Insurance that covers your personal belongings if you rent a condo.
A general liability policy protects your business from third-party claims alleging bodily harm or property damage incurred by your company. It might be acquired as a stand-alone coverage or coupled with property insurance into a company owner’s policy.
Liability coverage can vary considerably based on a variety of factors, as well as your unique circumstances and company operations. We recommend that you contact an expert agent to learn about a policy that is suitable for you.
It generally covers the following areas, but it may vary depending on your situation:
There are a number of factors to consider when selecting an insurance policy. For example, you’ll want to look into:
That is just one of the reasons why it’s vital to deal with an insurance agent from a trustworthy firm with experience in general liability insurance.
In a nutshell, it is debatable. The amount of insurance you require varies by industry. Because every company is unique, as are your demands. That’s why it’s advisable to talk with an experienced insurance agent or firm about the ins-and-outs of general liability insurance plans.
Anytime you run a company, general liability insurance is critical. Whether you’re running a small firm, operating as an individual entrepreneur, or serving as a business-level founder, you may need to upgrade your coverage.
The ideal approach to acquire an insurance quote is to work with a professional. We’re eager to answer your questions or concerns, so please don’t hesitate to contact us! We’re here to assist you in obtaining the finest policy for your needs.
What Is Commercial Auto Insurance?
Commercial auto insurance is a type of insurance for vehicles that are used for running a business. Think of it as personal car insurance, but specifically for vehicles used for work purposes. It usually covers cars, vans, trucks, and similar vehicles used in business activities.
What Does Commercial Auto Insurance Cover?
You might be wondering what this insurance protects. Basically, it covers your business vehicles if they’re involved in accidents or other incidents, just like personal auto insurance does for personal cars.
Common Types of Coverage
A commercial auto insurance policy often includes several kinds of protection:
- Covering injuries to people involved
- Repairing damage to property
- Help with towing your vehicle and fixing it on the spot
- Reimbursing costs if you rent a vehicle while yours is being repaired
How Much Does Commercial Auto Insurance Cost?
The price of this insurance depends on different things about your business. It’s important to talk with an insurance professional who understands your specific needs.
Here are some factors that usually affect the cost:
- Where your business operates
- How much coverage you choose
- How many vehicles you have
- The type of business you run
Types of Commercial Auto Insurance Policies
There are different kinds of policies you can get, depending on your needs:
Open Policy
This allows your business to add or remove vehicles every few months, which is helpful if the number of vehicles changes with the seasons.
Fleet Policy
A fleet policy covers a group of vehicles, like taxis or limousines, all together. It’s often customized to suit your specific fleet.
Blanket Fleet Policy
This type covers all vehicles in your fleet and offers various protections, including:
- Liability (damage or injuries caused to others)
- Property damage
- Medical costs
- Protection if you or your drivers are injured
- Coverage if an uninsured driver hits your vehicle
- Collision and comprehensive coverage (repairing your vehicle after an accident or other incidents)
No matter if you have one vehicle or many, this policy provides coverage for all.
Tips for Choosing Commercial Auto Insurance
When picking the right insurance, keep these points in mind:
- Make sure the deductible (the amount you pay out of pocket) is the same for damages and repairs.
- Ensure your liability coverage is enough to protect your business in case of a serious accident.
- Think about what kinds of vehicles you need to insure – including rental vehicles if used.
- If employees drive their personal cars for work, consider adding personal accident insurance to your policy.
FAQs About Commercial Auto Insurance
What does commercial auto insurance cover?
It generally covers injuries, damage to property, assistance with towing, and costs to rent a vehicle while yours is being repaired.
Who needs it?
Any business that relies on vehicles for work purposes, or where employees drive company or personal vehicles for business tasks, should consider getting this insurance.
Is it required by law?
In some places, it’s not mandatory. However, it’s highly recommended for businesses to protect their assets and reduce financial risks.
At Insurance Solutions With Coach B, our goal is to provide everyone in our community with affordable insurance solutions and comprehensive coverage, helping you save money on your Home, Auto, Life, and Business Insurance. While we have a special appreciation for our educators, you don't need to be on the court, field, or in the classroom
At Insurance Solutions With Coach B, our goal is to provide everyone in our community with affordable insurance solutions and comprehensive coverage, helping you save money on your Home, Auto, Life, and Business Insurance. While we have a special appreciation for our educators, you don't need to be on the court, field, or in the classroom for us to assist you and your family with all of your insurance needs. Our GAME PLAN is to help everyone discover the best prices through our custom insurance plans while delivering exceptional service. The ball is in your court now—give us a call or drop us a line to make your life a little easier. We aim to redefine trust in insurance by offering personalized protection, innovative solutions, and outstanding insurance agent services, empowering individuals and businesses to live with confidence and peace of mind. -TEAM COACH B
At Insurance Solutions With Coach B, we provide affordable insurance solutions with custom insurance plans designed to simplify your coverage needs. We believe our customers should focus on enjoying their families, pursuing their passions, and building their businesses and futures, rather than worrying about their insurance. That's OUR jo
At Insurance Solutions With Coach B, we provide affordable insurance solutions with custom insurance plans designed to simplify your coverage needs. We believe our customers should focus on enjoying their families, pursuing their passions, and building their businesses and futures, rather than worrying about their insurance. That's OUR job! Whether you're purchasing your first home, buying a new vacation home, getting a new car, or looking to save money on your current vehicles, we are here to assist you. If you own a business or are planning to start one, our dedicated insurance agent services will guide you in securing your business's future. Contact us today to take the first step in managing your insurance needs.
From Homeowners Insurance to Business Owners Insurance, Coach B's team has you covered.
We offer
Homeowners Insurance
Renters Insurance
Auto Insurance
Motorcycle Insurance
Recreational Vehicle Insurance
Umbrella Insurance
Life Insurance
Commercial General Liability Insurance
Commercial Property Insurance
Commercial Auto Insurance
Commercial Inland
From Homeowners Insurance to Business Owners Insurance, Coach B's team has you covered.
We offer
Homeowners Insurance
Renters Insurance
Auto Insurance
Motorcycle Insurance
Recreational Vehicle Insurance
Umbrella Insurance
Life Insurance
Commercial General Liability Insurance
Commercial Property Insurance
Commercial Auto Insurance
Commercial Inland Marine Insurance
Worker's Compensation Insurance
Professional Liability Insurance
And MORE!
As a former educator and coach with over 19 years of experience, I've dedicated my life to helping others grow, learn, and succeed. Now, as an insurance agent, I bring that same passion and commitment to providing affordable insurance solutions that protect what matters most to my clients. My mission is to educate individuals and families
As a former educator and coach with over 19 years of experience, I've dedicated my life to helping others grow, learn, and succeed. Now, as an insurance agent, I bring that same passion and commitment to providing affordable insurance solutions that protect what matters most to my clients. My mission is to educate individuals and families on their custom insurance plans, empower them to make confident decisions, and offer reliable, honest insurance agent services rooted in trust, care, and lifelong support. Just like on the court or on the field, I am here to guide, protect, and champion your future. -Coach B
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