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How to Save Money on Insurance by Combining Plans: An Interview with Albert Turner of Summitt Insurance Agency

By Albert Turner

Tell us a little bit about your company and its foundation.

Summitt Insurance Agency was founded in 1980. We are family owned & operated with decades of experience in all faucets of the Insurance Industry.

In general, what should a homeowner have insured?

A homeowner should make sure that the full value of their home is covered. Whether it is a full replacement cost policy, an ACV or Stated Value policy.

Your typical Standard Preferred Homeowners policy covers 10% of value for other structures - along with 50-75% for personal property.

Homeowners should also have proper Liability limits to protect them & their assets. They may also want an Umbrella policy, (which is fairly inexpensive), to bring in higher limits of Liability to go above all their primary policies. Another factor to consider on your homeowners policy is scheduling items..if a homeowner has valuable items that go at or above $10K. They should schedule these as an endorsement to their policy for the valuable expensive items that may go above what comes with the standard Homeowners policy. (e. g. jewelry, art, etc.)

How easy is it to combine these separate policies?

Very easy! We can do it with separate policies or may be able to combine with one Carrier & many times may earn additional discounts. Whichever is best for the customer we as an Independent Agent will market all possibilities.

What are some factors that influence the rate on my home insurance policy?

Factors:
Value of home
Liability Limits
Residence Address/Fire protection Class
Claims History
Overall Condition of Property
Credit
Possible Multi-Policy Discounts
Home Safety Features

What are some common claim concerns that may arise with my policy?

Here are some common examples: Water or sewage back-up; Storm/Hail damage; Fire; Theft & Vandalism.

What is the best way for people to get in contact with you or your company?

Our office hours are: M-F 8:30-5:30p.
2131 Pleasant Hill Rd. Ste. 144
Duluth, GA 30096
(770) 448-9331 begin_of_the_skype_highlighting
(770) 448-9331 end_of_the_skype_highlighting
www.summittinsurance.com

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