How to Set a Deductible for a Motorcycle Insurance Policy

Georgia law requires Braselton, GA motorcycle owners to buy motorcycle insurance. However, you can choose the deductible you set on collision or comprehensive coverage. Understanding how this works can help you set a limit that’s the best option for your financial situation.

What is a Deductible?

Your deductible is the amount you’re willing to pay out of pocket if you’re involved in a motorcycle accident. You can typically set a deductible from $0 to $2,000, with the most common options being $500 and $1,000. 

Before your insurer provides compensation, you’ll need to pay your deductible limit out of pocket. For instance, if you set a deductible of $500 and damage from an accident comes to $2,000, you’ll pay $500, and the insurer will pay the other $1,500. On the other hand, if your deductible is $1,000 and the damage comes to $900, you’ll pay the full bill out of pocket. Thus, you should avoid setting a deductible higher than you can afford. While motorcycle insurance costs less if you have a high deductible, the long-term cost of paying for expensive repairs may not be worth the temporary savings.

Expert Insurance Help from Bingham Insurance Group

It can be hard to know which deductible limit is right for you. Your motorcycle’s age, how often you ride it, and other factors will determine which deductible works best for your situation. Thankfully, you don’t have to figure it all out on your own. Bingham Insurance Group in Braselton, GA, has the experience and expertise you need to pick the right policy for your motorcycle. Call us at your convenience to find out more or to get a policy quote.

Boat Insurance Add-Ons: Different Ways You Can Enhance Coverage

Watercraft are one of the few vehicles that can be especially open to damage, especially if you have your boat docked or in a place on your property where the great outdoors could pose a risk to it. Ensuring it’s insured is an excellent first step if you plan on taking it around some of the lakes near Braselton, GA. That said, boat insurance might not cover all the potential risks to your watercraft. While boat insurance will typically cover bodily injury liability, damage done to your boat, or damage done to someone else’s property, it doesn’t cover everything. Here’s why you might wish to consider improving your coverage with add-ons and how we at Bingham Insurance Group can help you ensure your watercraft is covered correctly. 

What Boat Insurance Add-ons Might I Consider to Enhance My Coverage?

Individual needs will vary from boat owner to boat owner, but there are several add-ons that prospective policyholders can select from if they’re looking to maximize their coverage. Some of the more popular boat insurance add-ons that could prove valuable in the future include total loss replacement (covers the whole cost of your boat if you need to buy a new one), on-water towing for when you get stuck on the water and need a hand, boat contents insurance, and even coverage that can help you stay financially afloat if you collide with another boat (especially one that’s not insured). So many potential issues could arise when you’re out on your boat, so why not take extra care to keep yourself covered in any situation with the right add-ons? 

Get a Quote With BIG 

If you’re a boat owner in the Braselton, GA, area or surrounding areas, Bingham Insurance Group is your go-to source to find the right watercraft policies for your boat and belongings. Get your quote with us today!

Why Umbrella Insurance Is So Important

Home and auto insurance policies are great for standard coverage, but sometimes, you might need an extra layer of protection, particularly in the form of liability coverage. An umbrella policy becomes the perfect solution in such cases. At Bingham Insurance Group in Braselton, GA, we’re here to enlighten you on how this often-overlooked insurance can help strengthen your financial safety net.

Why is Liability Coverage Crucial?

Liability coverage is imperative for home and auto insurance to protect you. Unfortunately, most home and auto policies don’t include extensive liability coverage. An umbrella policy adds considerable liability coverage to both of these policies simultaneously, thus giving you broader protection.

This coverage becomes vital when accidents occur involving your home or vehicle. It takes care of the ensuing bills, which might lead to you solely bearing the considerable expense if left uncovered.

How does Umbrella Insurance Function?

Umbrella insurance operates by having a significantly higher liability maximum payout as compared to most home and auto policies. When an accident transpires, your home or auto policy pays initially up to its maximum payout. After this, your umbrella policy caters to the remaining costs. This prevents you from incurring expensive overages that you’d have to pay out-of-pocket.

Secure Your Financial Future with Umbrella Insurance

Umbrella insurance is a practical way to secure your financial future. To get started with your policy, reach out to us at Bingham Insurance Group in Braselton, GA. Let us help you put the extra layer of protection you need in place.

Don’t Be Overwhelmed by the Flood

Floods are scary, period. They are also destructive, dangerous, and expensive. Fortunately, flood insurance can help with some of those concerns, such as destroyed items and cleanup costs. Those are also a few of the reasons why Braselton, GA businesses and homeowners turn to the team at the Bingham Insurance Group to help keep their heads above water when the floodwaters rise.

Flood Damage Protection and Insurance

Some floods wipe out homes and present frightening power. These floods sneak up on us and leave thousands of dollars worth of damage in repairs and cleanup in their wake. The bottom line is that there is no such thing as a good flood, and every flood can overwhelm homeowners and businesses without the right flood insurance solutions.

We can do very little to prevent flooding, but we can prepare and take precautions. With the help of knowledgeable and helpful agents, the right flood insurance solutions can make it easier to pick up and carry on once the waters recede.

For All Your Flood Insurance Needs

The power and damage of a flood are difficult to describe, but those who have experienced flooding events appreciate and respect the harm and havoc they can cause. The good news is that we don’t have to experience floods to be better prepared for them, which is precisely what flood insurance does. 

If you live in or around Braselton, GA, and have questions about or need flood insurance, our friendly and professional team at the Bingham Insurance Group can help. Contact us to learn more and get the protection you need for all your flooding concerns today.

What should I think about when shopping for life insurance?

Navigating Life Insurance in Braselton, GA

For those residing in Braselton, GA, understanding and addressing your insurance requirements is essential. Life insurance sits atop the list of necessary protections and provides financial support for dependents or helps meet any end-of-life expenses. When seeking life insurance, several key factors should be taken into consideration.

Determining the Level of Coverage

A core factor to consider when seeking life insurance is the level of coverage you need. You want to ensure that you’re offering the right support for those you care about. If you have dependents, this means providing for their future financial needs, including cost of living, education expenses, and other essential costs.

Choosing the Right Life Insurance Plan

Another critical aspect of purchasing life insurance is selecting the right insurance plan. Two prevalent life insurance options are whole and term life coverage, each offering particular benefits. While whole life coverage offers lifelong protection with additional financial investment benefits, term life insurance provides affordability and flexibility to suit personal requirements.

It’s vital to explore all your needs and options when seeking life insurance in Braselton, GA. When you’re prepared to find a policy, don’t hesitate to contact the seasoned team at Bingham Insurance Group. Our experienced professionals will provide the guidance you need to construct the ideal policy that caters to all your needs.

Changed Vehicles? It’s Time to Update Your Auto Insurance

If you’ve recently purchased a new vehicle in the Braselton, GA, area, Bingham Insurance Group can help you update your auto insurance policy. Whether you’re looking for a brand new policy or want to change the one you already have, we’ve got you covered. Our dedicated agents understand that you need a quality policy with coverage you can rely on. We can provide you with quotes from multiple insurers so you can feel confident that you have the best policy for your needs.

Whether you’ve added a vehicle to your household or traded yours in on a new one, it’s essential to ensure you have proper protection for your car and its people. Depending on the vehicle you want to add, there may be a better policy option for great coverage that fits your needs. That’s why working with trusted agents and comparing policies is so important. What’s great for one type of vehicle might not be as good of an option for a different one.

Instead of swapping out one vehicle for another on your current policy, let us compare some different insurers and provide quotes and information. You might find that you can get better coverage for your specific situation through a different insurer than you have now, and we can help you do that. We want to make your insurance experience the best one possible.

Contact us at Bingham Insurance Group today if you’re in the Braselton, GA area. We’ll be happy to help with your auto insurance needs. Then, you can have peace of mind, knowing you have the right insurance for all the adventures in your new vehicle.

Do I Need Life Insurance as a Contractor?

As a self-employed contractor, there are several benefits to taking out a life insurance policy with Bingham Insurance Group. While you will have to reach out and manage this policy on your own, this allows you to offer yourself and your loved ones benefits that you might otherwise have with other employers in Braselton, GA.

Coverage For Final Expenses

With a life insurance policy, you will have funds set aside to cover the final expenses that come with your funeral arrangements. This keeps your family from having to find that money or pull it out of savings unexpectedly. You can customize the amount you want to leave behind based on the services you plan to have. 

Other expenses that develop outside of your funeral are probate costs and estate fees that can pile up, especially if you are having your estate divided. With a life insurance policy, your loved ones can secure enough funds to cover these costs so they can process them properly.

Retirement Coverage

One of the best things about a life insurance policy is that you can get as much as you need based on what you are willing to pay for each month. With a life insurance policy, you can treat it like a retirement policy that pays out to your loved ones in the event of your passing. As a contractor, it is not as easy to secure these traditional retirement options, which is why life insurance gives that stability. 


A life insurance policy is one last financial gift you can give to your loved ones so that they are able to secure vehicles, make down payments on homes, and even cover college tuition if that’s what you prefer for them. 

If you are a contractor around Braselton, GA, contact our team at Bingham Insurance Group today. 

How Much Auto Liability Coverage is Enough?

Georgia is an at-fault state for auto insurance purposes and requires all drivers to carry at least minimum levels of bodily injury and property damage liability insurance. While the state establishes basic requirements, it does not suggest how much liability insurance policyholders should carry so we will offer suggestions in this article. If you want to discuss how much liability insurance you should have, contact our Bingham Insurance Group team serving the Braselton, GA, area.

Determining Auto Insurance Liability Levels

Drivers at fault in Georgia may be required to pay the accident victims for their injuries and property damages. The state mandates that drivers carry (25/50/25) minimum levels of liability insurance or:

  • Bodily Injury Liability: $25,000 per person and $50,000 per incident
  • Property Damage Liability: $25,000 per incident

Although we call them minimum policy limits, they are the maximum amounts insurers will pay on a claim. If the value of a claim exceeds those maximums, the driver is responsible for the remaining amount, potentially putting their savings, home, and other assets at risk. 

Some recommend protecting a policyholder’s assets by setting limits based on the driver’s net worth or historical damages awarded in the state. Another common approach is to increase the auto liability limits to, for example, 250/500/100. In addition, adding umbrella coverage extends the liability coverage on auto and home policies and provides additional coverage for other types of lawsuits. Overall, umbrella coverage is a relatively inexpensive way to protect your assets against potentially harmful events.

Working With The Bingham Insurance Group

Our team at Bingham Insurance Group serves the Braselton, GA area, and will happily answer your insurance questions and prepare a policy to meet your needs. Call or stop in to see us today.

What Does Commercial Insurance Cover?

Our agents at the Bingham Insurance Group, serving the Decatur and Braselton, GA area, understand how much time, energy, and money went into opening your own business and want to help you protect your investment. The best way to do that is by having a commercial insurance policy.

What is Commercial Insurance?

Commercial insurance is also known as business insurance since it plays a significant role in protecting all different types of small and large businesses from liabilities and financial risks. This type of insurance policy is created to meet your specific needs for your business.

What Does Commercial Insurance Cover?

One of the many facets of commercial insurance policies is property insurance. This type of insurance will cover your building, equipment, and inventory if damaged or destroyed in a fire, inactive vandalism, or even a natural disaster. This part of your policy will also cover inventory theft from your business.

Liability insurance is critical to have because you never know when a customer or guest on your property may become injured. When things like this happen, you can be sued for negligence and to pay for any property damage or injuries you have caused to other parties. This type of insurance is essential for all kinds of businesses.

If you own a vehicle for your business or use a personal vehicle for business purposes, you will be required to have a commercial auto liability insurance policy in place under the laws of Georgia. This type of policy will be helpful if you or one of your employees is involved in an accident that causes property damage or injuries to another party.

Contact Bingham Insurance Group

Our agents at the Bingham Insurance Group, serving the Decatur and Braselton, GA area, are ready to assist you with your commercial insurance needs. Call today for an appointment and get your policy started.

Why is Home Insurance Important?

Our agents at the Bingham Insurance Group, serving the Decatur and Braselton, GA area, love to tout the importance of home insurance. Many people think you only need home insurance until a mortgage is paid off, since most lenders require it, but that is not the case. You never know when a disaster will strike, and your house will be in its path.

Why is Home Insurance Important?

Home insurance is important to have in place because you never know what can happen. You have worked hard to purchase your home, which means you will want to have an adequate amount of home insurance to cover it.

What Does Home Insurance Cover?

Most home insurance policies will cover the structure of your house and other structures on your property, such as decks and garages. You can also create a policy that includes your personal belongings, such as clothing and personal items, as well as household items, furniture, appliances, electronics, and more. These things will be covered if damage occurs from a natural disaster, like a tornado, a fire, vandalism, or theft.

Your home insurance policy may also cover your living expenses above your average cost of living if you are forced to move to another location temporarily. In contrast, your home is repaired or rebuilt.

Call Bingham Insurance Group Today

Call upon our agents at the Bingham Insurance Group serving the Decatur and Braselton, GA area to get your policy started. They have the knowledge and experience necessary to create the best home insurance policy for you and your situation. Call today to get your policy started!