Our goal at Brown Insurance Group is to protect you and your family from the unexpected by finding the right coverage at an affordable rate. If you need Auto, Home, Umbrella or any other personal insurance coverage, we can tailor a package to fit your individual personal insurance needs.
Our number one priority is to protect your family from any unforeseen event that may be a burden to your family in the future. Our Personal lines staff is here to answer any questions you may have and research the best policy for your needs.
Brown Insurance Group strives to build long term relationships with our clients by providing advice on which Personal Lines plan is best for them and provide the best possible customer service when you have a claim. If you have a loss or claim, it pays to know there is a company you can trust to protect you and your family.
- Vacation Homes
- Beach Homes
- Renters Insurance
- Landlord Protection
- Secondary Residences
- High Value Homes
- Flood Insurance
If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, Brown Insurance Group can provide personalized car insurance quotes that are right for you. If trouble comes along, we’ll make sure you’re taken care of every step of the way. Brown Insurance Group can also insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, Golf Cart, and ATV!
Farm & Ranch Insurance
Brown Insurance Group specializes in Farm & Ranch insurance coverage. We can offer competitive plans for your home, ranch, auto and umbrella.
Farm & Ranch Liability Insurance
We offer competitive coverages for your farm. Our companies offer package policies to cover your Home, Buildings, Equipment, Supplies and Personal & Farm Liability.
Farm & Ranch Auto Insurance
We offer competitive coverages for your Farm Trucks, Trailers, or other licensed vehicles used in your farming operation. We can offer discounts for seasonal use.
Farm & Ranch Umbrella Insurance
We offer competitive Excess Limits Liability policies to cover in an all encompassing policy
Misc. Farm & Ranch Coverages Insurance
We can offer those coverages not covered under the package policy. These are coverages for Off Road Vehicles, Boats, Farm Products, Animal Liability, and many others.
Additional Optional Coverages may include:
- Fire Legal Liability
- Employers Liability
- Equine Liability
An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.
Contact Brown Insurance Group today for a quote.
LEARN MORE ABOUT HOMEOWNERS INSURANCE
The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies are pretty much the same, homeowners policies can be quite different, depending on the “form” number. The most common types of homeowner policies are:
- HO1 Basic or Standard policy
- HO2 Broad form
- HO3 Special (also called Deluxe, All Risk)
- HO4 Renters policy
- HO5 Enhanced Special Coverage
- HO6 Condo policy
- HO8 Older Home Policy
All homeowner policies are “package” policies. You get a group of coverages packaged into your policy for one overall premium. They include coverage on your building, your contents (furniture, clothing, etc.) and liability insurance in case you are sued, under the same policy. The property coverage is shown under Section 1, while the liability coverage is described under Section 2.
There is no better way to understand your homeowner policy than to read it! We suggest you pull out your policy and find the parts to your policy that correspond to the following explanations:
A typical policy consists of three things:
1. The Declarations Page – that declares who, what and how much you are insuring, along with the date your coverage starts and the premium.
2. The Policy Booklet – printed pages that contain the details of coverages and exclusions.
3. Endorsements – separate pages, usually with endorsement numbers, that change (or endorse) specific parts of the policy.
Sometimes you are only given the original policy once in the beginning, then on renewal, to cut down expenses, you are just sent the dec. page (declaration page) with the bill. It’s a good idea to save the original policies should you ever need to refer to them.
More Detailed Information:
The HO1 policy is very limited in coverage and is not being sold by most companies.
The HO2 policy covers the basic perils of fire, lightning, explosion, smoke, hail, aircraft, riot, glass breakage, theft and damage caused by vehicles. It also adds additional coverage to broaden your policy. Those perils include damage caused by rupture of your water or heating pipes, falling objects (such as trees), collapse of the building, limit electrical damage to appliances and others.
The HO3 policy is, by far, the most commonly sold policy. It covers everything the HO2 policy covers and more. Instead of listing the perils that are covered these policies cover all damage to the building except what is excluded. The usual exclusions are: wear and tear, termites, rotting, collapse of septic tank, flood, war, earthquake and a few others.
Some HO3 policies are referred to as “Deluxe”, “Special”, “All Risk” policies depending upon the company.
Most policies cover your contents or belongings only for the perils named in an HO2 policy so wear and tear and normal breakage is not covered for your furniture and personal belongings.
Be careful! Your homeowner policy limits coverage on some items.
To keep the cost of insurance down your policy probably has limits on certain items. Typical limits are:
- Cash – $200
- Jewelry – $1,000
- Firearms – $2,500
- Silverware – $2,500
Check your policy carefully. If you see you don’t have enough coverage, find out how much it would cost to increase those limits or to buy special coverage.
In addition to special coverage for jewelry, silverware and furs, you can purchase specific coverage for such possessions as stamp or coin collections, fine arts, camera equipment, collectibles, watercraft and musical instruments, just to name a few.
LEARN MORE ABOUT AUTO INSURANCE
Auto Insurance isn’t just a good thing to have to protect you financially in the case of an accident – in many states it’s required.
All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.
Make sure you understand what these terms mean and how much coverage is right for you.
- Standard and Preferred auto Insurance
- High Risk auto Insurance
- Classic autos / High Valued autos
- Special program for Mature/Elderly Drivers
- Discounts that are available
- Recreational vehicles / Boats
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
LEARN MORE ABOUT MOTORCYCLE INSURANCE
We are a Georgia based insurance agency that specializes in motorcycle coverage. We will shop the best motorcycle insurance companies in Georgia to find you the best coverage at an affordable price. Contact us for a free, no-obligation quote.
Insurance companies will take into consideration many different factors when insuring your motorcycle in Georgia. One company is not always the best fit for everyone, that is why we compare companies for you. These factors include:
- Driving record
- Credit History
- Your Age, Address
- The Type of Motorcycle
- The Number of Drivers
Most companies offer coverages similar to auto insurance policy. This would include your bodily injury and property damage liability. You may also consider additional Georgia motorcycle insurance including medical payments, comprehensive and collision coverage. Uninsured motorist covers you in the event you are injured by someone who does not carry insurance or may not have enough insurance to cover your injuries.
You may also qualify for discounts that could possibly lower your premiums. These may include:
- Multiple policies with our company
- Safety courses that you may have taken
- Insurance on more than one motorcycle
So let us take a look at your current policy and evaluate your personal, financial and lifestyle changes for your Georgia motorcycle insurance.
LEARN MORE ABOUT BOATS & WATERCRAFT
At Brown Insurance Group, we can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluating your insurance coverage needs.
Let one of our experienced agents give you the coverage you need and make recommendations to best fit your situation. The following list some of the many coverages that we can offer:
Physical Damage Coverage – Adding this coverage to your policy protects your boat while in storage and during transport. This covers your boat as well when out of the water, including but not limited to: fire, lighting, vandalism or theft. You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies.
Liability Coverage – This coverage will assist you in the event of a collision with another boat, dock or other boaters. These areas protect you for:
- Personal Liability – protecting you or family member if you have an accident that causes injury to another person.
- Medical Payments – covering medical expenses if you or someone in your boat is involved in an accident.
- Property Damage – damage that may be caused to another persons property while operating your watercraft.