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Wanda, Andrew, Amber and Kelly

Many people do not realize that it is their responsibility to maintain adequate insurance coverage. Many homeowners’ policies limit the amount they will pay in the event of a total loss if the homeowner has failed to maintain adequate insurance. Do you have a thorough understanding of your personal insurance coverage?

In our area, we have seen the cost of rebuilding double in the last 5-10 years. An annual review of all of your insurance policies is recommended to give you the peace of mind that you are adequately insured.

The Peoples Agency also works with businesses to handle their insurance needs. While business insurance is not generally required, it is a good idea to purchase enough insurance to cover your company’s assets. Even if you form a Corporation or an LLC, which shields your personal assets from business liabilities, you still risk losing your business if disaster strikes. Insurance can greatly reduce this risk.

Staying abreast of changes in state law helps us keep you informed. Did you know that the State of Georgia is going to require that all General Contractors be licensed with the State and have at least $500,000 of General Liability insurance? We have excellent product offerings for Residential General Contractors and can also provide you with Builders Risk, Commercial Auto, Commercial Property and Worker’s Comp.

Whether it is personal insurance or business insurance, The Peoples Agency can help.

Being an independent agency means that we can choose from a wide range of companies to customize an insurance solution for you. A partial list of the companies we represent are:

• Allied

• Allstate

• American Modern Insurance Group

• Foremost Insurance Group

• Infinity

• Middle Georgia Mutual Insurance Company

• Progressive

• Southern General Financial Group

• Zurich

• Plus many others

Personal Insurance
We offer the following insurance products for individuals:

• Homeowners

• Automobiles

• Boats

• Personal Watercrafts

• Umbrella

• Valuable Property

• Mobile Homes

• Farms

Business Insurance
We offer the following insurance products for businesses:

• Business Owners

• Commercial Property

• General Liability

• Workers Compensation

• Business Auto

• Bonds

• Builder’s Risk

Specialty Insurance Products
Some of the other insurance products we offer are:

• Whole/Universal Life Insurance

• Level & Renewable Term Life

• Individual & Group Health

• HDHP (High Deductible Health Plan) Insurance

• Annuities