We have been providing help for Georgia famiIies since 2003. It is our business to help you find personal insurance policies that protect you and your family, from the physical (auto, home, boat) to the financial (life, liability, etc.).
As we get older, our insurance needs change. We need car insurance at any age, but as we create a family, we need additional coverage to cover many things that can disrupt our lives and our family’s financial wellbeing. Many people think that the insurance they had even a decade ago is still sufficient, but they are surprised to find that their coverage simply isn’t good enough when a crisis occurs.
What Kinds Of Insurance Do Growing Families Need?
If you have kids, your insurance needs will change. If you buy a house, your insurance needs will change. Here at the Ephraim Group, we take a deep dive into what you have, what you’re planning to have and your family’s needs in order to tailor your insurance to cover what you need and avoid paying for things that are unnecessary.
Auto Insurance: The car insurance you had as a teenager might be insufficient to cover your needs today. Everybody has to have liability insurance, but if you have a nice car, collision coverage can be a very wise investment. Medical payments coverage may help pay for any costs acquired with the injuries. Comprehensive insurance will cover things like vandalism, theft, fire and more. We also specialize in insuring your motorcyle, boat or other means of transportation.
Home Insurance: Protect your home and possessions with the right coverage. If you have a mortgage, the mortgage company generally requires you to have home insurance. But since your home is probably the largest investment you have, you should insure it whether you are required to or not. The Ephraim Group can help you choose the right coverage for your home, including flood insurance, protection from smoke, fire, vandalism or damage caused by weather. Insuring your personal property might be a good idea. We can even help determine if a home warranty to cover things like your HVAC system is right for you.
Let us help you make the best decision for the type of life insurance that’s best for you and your family.
Life Insurance: Looking out for your family is one of the most important things in your life. This can be a challenge, because there are several different varieties of life insurance to choose from, and prices can vary greatly. Term life insurance covers a specific number of years, and can be very cost effective. Permanent insurance covers you throughout your life. It is pricier than term life insurance, but older people can benefit greatly from this type of insurance.
Umbrella Insurance: These policies can help when your coverage limits have been reached. Lawsuits and injuries can exceed the limits of your insurance and threaten your financial future. That’s where an umbrella policy can provide critical benefits.
Our Service Area
For more than 16 years, we’ve worked with individuals and families in Lawrenceville Georgia and beyond. We’re located right next to Brewster’s on Lawrenceville Suwanee Road. We have helped hundreds of customers enjoy boating on Lake Lanier and Hartwell who live around us in Lawrenceville, Dacula, Duluth, Suwanee and Buford. But, if you live outside our service area, that’s no problem. We’re happy to help you with all your life insurance needs.