INSURANCE TIPS

Learn what Georgia homeowner’s insurance covers, common risks, policy options, exclusions, and how claims work. Discover how The Tabb Insurance Agency in Conyers helps protect your home with the right coverage.

Protect your Georgia business from costly employee claims with Employment Practices Liability Insurance (EPLI). Learn how Tabb Insurance Agency helps safeguard against discrimination, harassment, and wrongful termination risks.

Renters' insurance is one of the most misunderstood types of coverage. At The Tabb Insurance Agency, we regularly speak with renters who are unaware of how important and affordable this protection can be. From assumptions about cost to confusion about what a landlord’s policy covers, misinformation can lead to costly gaps in coverage. In this post, we’ll clear up common myths about renters' insurance and explain why it’s an essential part of protecting your belongings and financial future. Renters' Insurance Misconceptions in Georgia Many Georgia renters assume insurance isn’t necessary or worth the cost. But the reality is that unexpected events like fires, theft, or water damage can destroy thousands of dollars’ worth of belongings in a matter of minutes. Renters' insurance provides vital protection , not just for personal property, but also for liability claims and temporary living expenses. The Tabb Insurance Agency helps renters throughout Georgia choose policies that are affordable, comprehensive, and tailored to their living situation. Myth: Renters' Insurance Is Too Expensive Renters' Insurance Is More Affordable Than You Might Think Some renters believe that insurance is a luxury they can’t afford. In reality, renters' insurance is one of the most budget-friendly types of coverage available. For less than many everyday expenses, you can secure protection for thousands of dollars in personal property and liability. In Georgia, premiums for renters' insurance vary depending on location, coverage limits, and deductible options. Value That Outweighs the Cost When you consider the cost of replacing furniture, electronics, clothing, and other essentials after a fire or break-in, the benefit of the investment in renters' insurance becomes clear. At The Tabb Insurance Agency, we work with top carriers to offer cost-effective policies with flexible payment options so renters don’t have to choose between protection and affordability. Myth: My Landlord’s Insurance Covers My Belongings Understanding What Landlord Insurance Actually Covers One of the most widespread misconceptions is that a landlord’s insurance policy will cover a tenant’s belongings. This is not true. Landlord insurance only covers the structure of the building and certain liability related to property ownership. It does not protect a tenant’s personal possessions or provide liability coverage for incidents within the tenant’s unit. Protecting What’s Yours If a fire damages your apartment, your landlord’s policy will cover the building repair but not your damaged couch, clothes, or electronics. Renters' insurance steps in to pay for the replacement of your items, additional living expenses if you’re temporarily displaced, and legal costs if you’re found liable for injury or property damage. The Tabb Insurance Agency helps renters in Georgia understand this distinction and ensures they’re not left exposed. Myth: Renters' Insurance Only Covers Personal Belongings Liability Protection You Might Not Expect Renters' insurance isn’t just about your belongings. It also includes liability coverage that protects you if someone is injured in your home or if you accidentally cause damage to someone else’s property. This can include everything from a guest slipping and falling in your apartment to your child accidentally breaking a neighbor’s window. Coverage for Temporary Housing and Theft If your rental unit becomes uninhabitable due to a covered event, renters' insurance can cover the cost of a hotel or temporary housing. It also protects against theft, even when items are stolen outside your home, such as from your car or while traveling. The Tabb Insurance Agency ensures Georgia renters understand all the benefits included in a standard policy. Myth: I Don’t Own Enough To Need Coverage Most Renters Own More Than They Realize It’s easy to underestimate the value of your possessions. But when you start listing items like clothing, kitchen appliances, electronics, furniture, and jewelry, the total replacement cost can easily reach tens of thousands of dollars. Without renters' insurance, you would have to pay out-of-pocket to replace those items after a loss. Everyday Items Add Up Fast Even if you live simply, the cost of rebuilding your life after a fire or major theft can be overwhelming. Renters' insurance provides peace of mind that you won’t have to start from scratch. At The Tabb Insurance Agency, we help you take inventory and determine the right amount of coverage to fit your needs. The Tabb Insurance Agency Helps You Choose the Right Coverage  Personalized Guidance From Local Insurance Experts Every renter has unique needs, and we believe insurance should reflect that. At The Tabb Insurance Agency in Conyers, we take the time to explain coverage options in plain language and recommend policies that make sense for your lifestyle and budget. We’re based in Georgia and understand the risks and concerns specific to our communities. Continued Support and Policy Reviews We don’t just sell you a policy and disappear. Our team provides ongoing support, including regular policy reviews and updates to ensure your coverage stays current as your needs change. Whether you’re moving to a new apartment or adding high-value items, we’ll help you stay protected every step of the way. Get the Right Protection for Your Rental Renters' insurance is a smart, affordable way to protect your belongings, limit your liability, and gain peace of mind. Don’t let myths or misconceptions leave you vulnerable to unexpected losses. The Tabb Insurance Agency in Conyers is here to answer your questions, provide honest guidance, and help you choose the right renters' insurance policy in Georgia. Contact The Tabb Insurance Agency today to learn how easy it is to get started with reliable, affordable coverage designed to protect what matters most in your rental home.

At The Tabb Insurance Agency, we understand that running a business in Georgia requires thoughtful planning, smart investments, and a solid risk management strategy. One of the most effective ways to safeguard your operation while maximizing your insurance budget is through a bundled business insurance package . By combining multiple types of commercial coverage into a single, tailored package, you gain more comprehensive protection and can often reduce your overall premiums. What Is Bundled Business Insurance? Bundled business insurance refers to a package of insurance policies that are grouped together to provide broader coverage and simplify policy management. These commercial coverage packages are particularly helpful for small to mid-sized Georgia businesses looking to protect their assets and operations without juggling multiple individual policies. Types of Policies Typically Bundled At The Tabb Insurance Agency, we often help businesses combine essential coverages like general liability and commercial property insurance, known together as a Business Owner’s Policy (BOP). Other common bundles include workers’ compensation, business auto insurance, cyber liability, professional liability, and data breach protection. The goal is to create one cohesive policy package that fits your business’s specific risk profile. Cost-Efficiency and Convenience Bundling is more than just a way to simplify your paperwork. It can also result in substantial savings. Many insurers offer discounts when multiple policies are bundled through a single agency. With all of your coverages under one roof, you also avoid the risk of gaps, overlaps, or misaligned renewal dates, making your coverage easier to manage and review annually. Why Georgia Businesses Should Consider Bundling Whether you operate a boutique retail store, a professional service firm, or a construction company in Georgia, bundling your insurance coverage offers benefits that extend far beyond cost savings. It enhances your ability to manage risk, adapt to changes, and maintain continuity during disruptions. Reduce Overall Premiums Bundled policies often come with multiple policy discounts that help reduce your annual insurance expenses. These savings can be particularly impactful for small businesses operating with tight budgets. By bundling your policies with The Tabb Insurance Agency, you benefit from our long-standing relationships with top insurance carriers who reward efficient coverage with lower rates. Simplify Renewals and Policy Management Managing different insurance policies with various renewal dates can be time-consuming and prone to oversight. With bundled insurance, your policies are consolidated, making it easier to keep track of your coverage, understand what’s included, and make updates when your business evolves. Our team helps coordinate and streamline the process, so you can stay focused on running your business. Ensure No Gaps in Coverage One of the greatest risks to business continuity is a gap in coverage. When you purchase separate policies from different providers, it becomes harder to ensure they align properly. Bundling your insurance with our agency allows us to review the big picture and ensure your protection is seamless and complete. Common Business Policy Packages Bundled insurance is not one-size-fits-all. At The Tabb Insurance Agency, we work with you to identify the policy combinations that best suit your business and its specific risks. General Liability and Commercial Property This foundational package is ideal for many Georgia businesses. General liability covers third-party claims of bodily injury or property damage, while commercial property insurance protects your building, equipment, inventory, and other physical assets. Workers’ Compensation, Cyber, and Business Auto For businesses with employees, vehicles, and digital operations, this bundled package addresses multiple areas of exposure. Workers’ compensation is legally required in Georgia for businesses with three or more employees. Cyber liability protects against data breaches and ransomware attacks, while commercial auto covers company-owned vehicles and driver-related incidents. Professional Liability and Data Breach Protection If your business provides specialized services or handles client data, this package is an excellent fit. Professional liability helps protect against claims of negligence or professional errors, while data breach protection covers the costs of responding to a cyber incident, including legal fees and client notifications. Small Business Savings Through Bundled Insurance Small businesses face many of the same risks as larger companies, but often operate with fewer resources. Bundling your insurance coverage can help you stretch your budget while maintaining strong protection. How Bundling Benefits Growing Companies As your company expands, so does your exposure to liability, property damage, employee injuries, and cyber threats. Bundled insurance policies are flexible and scalable, allowing us to adjust your coverage as your business grows. Whether you're hiring new employees, investing in more inventory, or opening a second location, your bundled policy can evolve with you. Customizing Bundles To Fit Industry Needs Every business has different insurance needs based on its industry, size, and structure. At The Tabb Insurance Agency, we take the time to understand your operations and build a bundled package that fits. For example, a restaurant’s bundle might include general liability, commercial property, and liquor liability insurance, while a tech startup may prioritize cyber liability, equipment coverage, and professional liability. Why Choose The Tabb Insurance Agency? We’ve proudly served Georgia businesses for years, and we’re committed to offering customized insurance packages that help protect and grow your operation. When you choose to work with us, you’re gaining more than an insurance provider. You’re gaining a long-term advisor and advocate. Personalized Policy Recommendations We don’t believe in one-size-fits-all insurance. Our team conducts a thorough risk assessment before recommending any coverage. This ensures that you’re only paying for the insurance you actually need, and that you’re fully protected against the risks your business faces every day. Strong Relationships With Top Insurers Our partnerships with leading carriers allow us to negotiate the best rates and coverage options for your business. These relationships also help us provide faster service and better support during the claims process, so you’re never left waiting when it matters most. Ongoing Reviews To Optimize Savings Your business isn’t static, and neither should your insurance be. We provide ongoing policy reviews to make sure your bundled coverage continues to serve your business well. When changes happen, such as new hires, new equipment, or new services, we’re here to make adjustments that keep you protected and cost-efficient. Get the Most Value From Your Business Coverage At The Tabb Insurance Agency, we believe your insurance should work as hard as you do. Bundling your business policies is one of the smartest ways to streamline your protection, reduce your premiums, and eliminate coverage gaps. Let our team help you explore bundled insurance options that fit your Georgia business’s goals. Call The Tabb Insurance Agency today at 770-483-1800 or visit the website to schedule a consultation . We’ll work with you to build a business insurance package that supports your success every step of the way.

In today’s digital world, protecting your business means more than just locking the doors at night. At The Tabb Insurance Agency, we understand that Georgia businesses face a growing array of cyber threats that can cause serious financial harm. From ransomware to phishing attacks, cyber incidents have become more frequent and more costly, making cyber liability insurance an essential part of your overall risk management strategy. Why Cybersecurity Is a Growing Concern for Georgia Businesses Rise of Ransomware, Phishing, and Data Breaches Cybercrime is on the rise across the country, and Georgia is no exception. Hackers now use increasingly sophisticated techniques to infiltrate business networks and access sensitive data. Ransomware, where attackers encrypt a business’s data and demand payment for its return, is particularly damaging. Phishing emails—deceptive messages designed to steal login credentials—are another common method used to breach systems. These attacks can impact any business, regardless of size or industry. Small Businesses as Common Targets Many small and mid-sized businesses assume they are too small to be targeted by cybercriminals. However, smaller companies often lack dedicated IT departments and robust security systems, making them easier targets. A single data breach or network intrusion can lead to thousands of dollars in damages, not to mention the cost of lost customer trust. Regulatory Consequences and Reputational Damage In addition to financial costs, data breaches can result in regulatory fines and legal action. Georgia businesses that handle personal, financial, or healthcare data must comply with state and federal laws regarding data privacy. Failing to meet those requirements can lead to penalties and damaged relationships with clients or customers. The public perception of a business following a data breach often takes a hit, which can result in long-term revenue loss. What Does Cyber Liability Insurance Cover? Data Breach Response Costs Cyber liability insurance helps cover the immediate costs associated with a data breach. This includes hiring forensic experts to determine how the breach occurred, securing affected systems, and recovering lost data. These services are crucial for minimizing the damage and getting your business back online. Legal Fees and Notification Expenses After a breach, Georgia law may require that affected customers be notified. This process often includes sending letters, setting up call centers, and offering credit monitoring services. These efforts are not only time-consuming but also expensive. Cyber liability insurance helps cover these notification costs, as well as any legal expenses you may incur if lawsuits arise as a result of the breach. Loss of Income Due to Cyberattacks If your operations are disrupted due to a cyberattack, you could face significant income loss. Whether your website goes offline or key business systems are shut down, the financial impact can be severe. Cyber liability insurance can help replace lost revenue during the recovery period, ensuring your business remains financially stable through the crisis. Understanding Georgia’s Digital Risk Landscape Georgia businesses are expected to adhere to data protection standards that safeguard customer and client information. Whether your company stores medical records, payment details, or other personal data, failure to follow proper protocols can result in significant financial and legal consequences. Even unintentional mistakes can lead to data breaches and the loss of customer trust. HIPAA, for example, sets strict rules for handling health-related information, and violations can be costly. Trends in Digital Threats by Industry Certain industries in Georgia are more susceptible to cyber threats than others. Healthcare providers, retailers, real estate firms, law offices, and professional services face increased risk due to the type of data they handle. As attacks become more targeted and sophisticated, even businesses with basic security in place can find themselves vulnerable. Understanding these trends can help shape a more effective cyber protection strategy. Who Needs Business Data Insurance in Georgia? Healthcare Providers Hospitals, clinics, and private practices are frequent targets for cybercriminals due to the sensitive nature of patient information. Even a minor breach can trigger HIPAA violations and lawsuits. Cyber liability insurance helps medical practices manage the cost of breach response and ongoing compliance. Retailers and E-commerce Retail businesses, both brick-and-mortar and online, collect and store customer payment information. A data breach involving credit card numbers or personal data can be devastating. Cyber coverage offers essential protection by funding response efforts and covering liability if customer data is compromised. Professional Service Firms Accountants, attorneys, consultants, and other service providers handle sensitive data daily. Even an accidental email to the wrong recipient can result in a data breach. Having cyber insurance ensures that these firms have the support they need to manage incidents quickly and responsibly. Benefits of Partnering With The Tabb Insurance Agency Tailored Cyber Liability Insurance Georgia Policies At The Tabb Insurance Agency, we understand that no two businesses are the same. That’s why we take the time to learn about your operations and risks before recommending a cyber liability policy. We work with trusted insurance carriers to create coverage that fits your business needs and budget. Help Assessing Your Digital Risk Exposure Our team is well-versed in Georgia’s cyber risks and regulatory environment. We assist business owners in identifying vulnerabilities and ensuring that their current systems and practices are backed by adequate insurance. If you’re unsure about your exposure, we can help perform a risk assessment. Claims Assistance and Risk Management Advice When an incident occurs, timing is everything. Our agency provides responsive claims support to help you navigate the recovery process with clarity and speed. While we do not directly implement cybersecurity solutions, we can help point you in the right direction and support your risk management planning by offering guidance on coverage and preparedness. Take the Next Step Toward Stronger Cyber Protection Digital threats are not going away, and ignoring them could place your entire business at risk. At The Tabb Insurance Agency in Conyers, we are committed to helping Georgia businesses protect their data, customers, and reputation. Whether you’re just starting to consider cyber insurance or need to upgrade an existing policy, we’re here to guide you through the process. Reach out today at 770-483-1800 or visit the website to schedule a free cyber liability insurance review and take the first step toward stronger business protection. Your business deserves dedicated local experts who understand the risks and are ready to help when it matters most.

At The Tabb Insurance Agency, we understand that Georgia auto dealers face unique risks every day. Whether you manage a small used car lot or a large multi-location dealership, protecting your vehicle inventory is essential to the success and stability of your business. One of the most effective ways to do that is through dealers lot insurance , which provides critical protection against unexpected losses. What Is Dealers Lot Insurance? Overview of Vehicle Inventory Protection Dealers lot insurance is designed to cover vehicles held for sale by auto dealers. This includes cars, trucks, SUVs, and other inventory on your lot, whether parked, being test-driven, or in transit. It offers protection from a wide range of physical damage events that could severely impact your bottom line. How It’s Different From Commercial Auto Insurance Many dealers mistakenly assume that a general commercial auto insurance policy will cover their entire inventory. However, that type of coverage typically applies only to company-owned or operated vehicles, not those for sale. Dealers lot insurance fills that gap by insuring every eligible vehicle on your lot or in transit, ensuring you're not financially exposed if something should happen. What Dealers Lot Insurance Typically Covers Standard policies generally cover: Collision damage Fire and weather-related losses Theft and vandalism Damage during transit or test drives With the right policy in place, your dealership can recover more quickly from incidents that might otherwise cause severe financial strain. Key Risks Faced by Auto Dealers in Georgia Exposure to Weather and Environmental Damage Georgia's weather can be unpredictable. From severe thunderstorms and hail to the threat of hurricanes along the coast, vehicle inventory is often at the mercy of the elements. Dealers lot insurance helps mitigate these risks by covering damages from weather events. Theft and Vandalism Even with security systems and fencing, vehicle lots are common targets for theft and vandalism. Missing parts, broken windows, or stolen cars can all lead to major financial losses without proper coverage in place. Accidents During Test Drives or Transport Dealers face additional risks during test drives, vehicle delivery, and trade-ins. Whether a customer or employee is behind the wheel, any damage that occurs during these situations can be covered under a properly structured policy. On-Lot and Off-Lot Incidents Many dealers store inventory both on the main lot and at off-site locations. Dealers lot insurance can be customized to extend protection to multiple locations or vehicles in transit between lots, auctions, and service centers. What Georgia Auto Dealers Insurance Should Cover Physical Damage to Vehicle Inventory The foundation of any auto dealer insurance policy is coverage for physical damage. This includes comprehensive and collision damage to vehicles owned and held for sale. Whether caused by hail, fire, or a distracted driver, having this coverage means your business won’t take the full financial hit when a loss occurs. Garage Liability Insurance Garage liability insurance provides coverage for bodily injury or property damage resulting from business operations. This includes incidents involving customers on your property, employees driving a vehicle, or claims stemming from negligent service work. It’s a vital component of Georgia auto dealers insurance and works hand-in-hand with dealers lot coverage to provide broader protection. Customer Property and Employee Actions Your policy should also protect against claims involving customer-owned vehicles or personal belongings, as well as liability related to the actions of your employees. If a worker damages a customer’s car during service, or if a customer slips on your lot, garage liability and related coverages can help protect your business from lawsuits. Factors That Impact Your Car Dealership Coverage Location and Risk Profile Where your lot is located plays a significant role in determining your insurance needs and premiums. Urban areas may have higher risks of theft or vandalism, while coastal or rural locations may face greater weather-related threats. We evaluate your location carefully to recommend the most suitable policy structure. Inventory Volume and Vehicle Values The number of vehicles you have on-site, along with their collective value, directly affects the level of insurance you need. Whether your inventory includes economy cars or high-end vehicles, we’ll help you ensure your coverage limits align with the actual risk. Security Measures and Risk Mitigation Investments in security, such as surveillance systems, fencing, lighting, and alarms, not only protect your inventory but can also help reduce insurance premiums. At The Tabb Insurance Agency, we consider these factors when designing a policy that balances cost with coverage. Why Work With The Tabb Insurance Agency? Experience With Georgia Regulations and Dealerships We know the ins and outs of insurance requirements specific to Georgia and stay up to date with state regulations affecting dealerships. Whether you need to meet lender requirements, local zoning laws, or state licensing guidelines, we’ll make sure your coverage meets all necessary standards. Tailored Dealers Lot Insurance Solutions No two dealerships are exactly alike. That’s why we take a personalized approach, designing car dealership coverage plans based on your specific needs, lot size, and risk profile. We partner with top-rated carriers to provide flexible and reliable options, so you always get the best value for your coverage. Fast Claims Service and Ongoing Support In the unfortunate event of a loss, time is money. We offer responsive claims assistance and ongoing policy support to help get your inventory back to full capacity as quickly as possible. If your business expands or your needs change, we’ll be there to adjust your coverage accordingly. Protect Your Inventory and Business From Costly Losses As a Georgia auto dealer, your vehicle inventory is your lifeline—and even a single loss event can disrupt your business. Let The Tabb Insurance Agency help you protect what matters most. Our experienced team is ready to provide a custom quote for dealers lot insurance tailored to your operation. Reach out today to safeguard your business from unnecessary financial risks and ensure your dealership is fully protected, both on and off the lot.

Owning a boat in Georgia offers countless opportunities to enjoy time on the water—whether you're fishing on Lake Lanier, cruising the Chattahoochee River, or docking along the coast. But just like cars and homes, boats need the right insurance coverage to protect against the unexpected. At The Tabb Insurance Agency, we help Georgia boaters choose boat insurance coverage that meets their needs and provides peace of mind every time they leave the dock. Why You Need Boat Insurance in Georgia Boat insurance in Georgia is not required by law for all vessels, but many marinas and lenders do require it. Beyond that, boat insurance is essential for protecting your property, your financial well-being, and your passengers. Risks on Georgia’s Waterways With many lakes, thousands of miles of rivers, and access to the Atlantic Ocean, Georgia boaters face diverse risks. From weekend collisions with other watercraft to damage caused by sudden summer storms or hurricanes, there are many hazards that insurance can help cover. Theft and vandalism, especially for boats stored in marinas or driveways on a boat trailer, are also common concerns for boat owners across the state. Liability and Legal Protection Even a small accident on the water can result in costly liability claims. If someone is injured while on your boat or you damage another vessel, you could be held personally responsible for medical bills, repairs, or legal fees. Comprehensive boat insurance policies help shield you from these expenses, offering critical financial protection in case the unexpected happens. Understanding Marine Insurance Types Selecting the right type of marine insurance is the first step to creating a solid policy. At The Tabb Insurance Agency, we help clients understand the different types of boat coverage available, how each can benefit them, and the insurance costs involved. Hull and Property Coverage Hull insurance protects the physical structure of your boat, including the engine, sails, electronics, and permanently attached equipment. If your vessel is damaged in a collision, runs aground, or is struck during a storm, hull coverage helps cover the cost of repairs or replacement. Liability Coverage Marine liability insurance protects you if you’re responsible for injury or property damage. This includes: Medical expenses for injured passengers or third parties Legal defense costs in case of a lawsuit Damages to docks, other boats, or waterfront structures Trailer and Equipment Coverage If your boat is trailered to and from the water, your policy can include coverage for the trailer. Optional add-ons also cover personal effects and gear, such as navigation devices, fishing rods, or water sports equipment that might be lost or damaged during transit or use. Georgia Boat Coverage Options Explained The right policy is not one-size-fits-all. Understanding the value of your boat, where you operate it, and the specific risks you face in Georgia helps determine the best coverage structure. Agreed Value vs. Actual Cash Value One of the key decisions involves how your insurer will value your boat in the event of a total loss. Agreed value policies lock in a payout amount upfront. You and your insurer agree on the boat’s worth at the time the policy is written, which protects against depreciation. Actual cash value policies, on the other hand, take depreciation into account, resulting in a lower payout for older vessels. Navigational Boundaries Georgia boaters should also be aware of navigational limits. Many insurance policies only cover specified geographic areas, such as inland lakes or within a certain distance from the coastline. If you take your boat outside those boundaries, you could lose coverage. It’s important to discuss your boating plans with your insurance agent to ensure your coverage aligns with your typical routes. Emergency Assistance and Towing Breakdowns on the water can happen anytime. Towing services for boats are expensive and not typically covered by standard policies. Emergency assistance coverage is an optional addition that can help pay for towing, battery jumps, fuel delivery, and other unexpected issues while you’re on the water. Boat Liability Coverage Essentials When choosing coverage, liability is one area you don’t want to skimp on. At The Tabb Insurance Agency, we work with clients to make sure they have the liability protection they need. Bodily Injury and Property Damage This core component pays for injuries to others and damage to property that occurs as a result of an accident involving your boat. If a guest is hurt slipping on the deck or you collide with another vessel, liability coverage helps cover their medical bills or repairs. Pollution and Environmental Liability Fuel spills—intentional or accidental—can lead to significant environmental damage and steep fines. Pollution liability coverage helps pay for cleanup costs and any penalties resulting from fuel, oil, or waste spills. Guest Passenger Liability When friends or family operate your boat, they could be held responsible for an accident. Some policies extend liability protection to guest operators, providing additional peace of mind when others are at the helm. Factors That Affect Your Boat Insurance Rates Premiums for boat insurance are influenced by several factors. Understanding these variables can help you find coverage that fits both your needs and your budget. Boat Type and Size Larger or high-powered boats typically cost more to insure due to the increased risks they present. A small fishing boat, canoe, or hovercraft will have different coverage needs and costs than a 30-foot offshore cruiser, large sailboat, or jet ski. Storage and Usage Habits Where you store your boat—whether in a marina, at home, or on a trailer—can influence your rate. Operating your boat on inland lakes versus ocean waters also carries different levels of risk. Insurers take all of this into account when setting your premium. Boating Experience and Claims History Experienced boaters with clean records generally enjoy lower premiums. If you’ve had previous claims or limited experience operating a vessel, you may see higher rates. Taking a boating safety course may help reduce your cost. Working With The Tabb Insurance Agency Choosing the right boat insurance isn’t just about comparing prices—it’s about getting tailored protection that reflects how and where you use your boat. At The Tabb Insurance Agency in Conyers, we leverage our local experience to help Georgia boaters find policies that match their exact needs. Local Knowledge of Georgia Waterways From Lake Oconee to the Atlantic shoreline, we understand the unique risks that come with boating in Georgia. Our team uses this local insight to guide coverage decisions, making sure your policy accounts for seasonal weather patterns, regional hazards, and specific navigational zones. Personalized Marine Insurance Solutions Every boat owner is different, and so are their coverage needs. Whether you own a weekend runabout or a full-size fishing vessel, we’ll take the time to understand your watercraft and boating habits. Then, we’ll help you compare coverage options from trusted providers to build a policy that offers complete confidence. Protect Your Boat With the Right Insurance Policy Your boat represents both a significant investment and a source of joy. Make sure it’s protected with the right insurance plan. The Tabb Insurance Agency is here to guide you through the process of selecting boat coverage that fits your lifestyle and protects your financial future. Contact us today for a personalized boat insurance quote and expert advice before your next trip on the water.

When it comes to protecting your property in Georgia, many homeowners and business owners overlook one crucial risk: flooding. At The Tabb Insurance Agency, we know how unpredictable the weather can be across our state—from coastal hurricanes to flash floods in the mountains. That’s why we strongly recommend considering purchasing a flood insurance policy, even if you’re not living in a designated flood zone. Whether you own a home, run a business, or rent a property, flood protection in Georgia is not just a good idea—it’s a smart investment in your financial security. In this post, we’ll walk you through what flood insurance is, how it works, and why it matters specifically for Georgia residents. Understanding the Basics of Flood Insurance What Flood Insurance Covers (Structure and Contents) Flood insurance is a specialized policy designed to cover damage caused by rising water or overflow from bodies of water. It typically covers two main areas: Building coverage : This includes the structure of your home or business, such as the foundation, walls, electrical systems, plumbing, HVAC systems, and built-in appliances. Contents coverage : This applies to your personal belongings or business inventory, including furniture, electronics, clothing, and more. Both types of coverage can be purchased separately or bundled into one policy, depending on your needs. Difference Between Flood Insurance and Homeowner's Insurance A common misconception is that homeowner's insurance includes coverage for floods. It does not. Most standard homeowner's or renter's policies specifically exclude damage caused by flooding. That means if a heavy storm or overflowing river damages your property, you’ll be left footing the bill unless you have dedicated flood coverage. Importance of Separate Flood Coverage Even an inch of water in your home can result in thousands of dollars in damage. A separate flood insurance policy gives you peace of mind, knowing you're protected when unexpected water damage occurs. It’s an essential layer of protection that complements your existing insurance portfolio. Georgia’s Unique Flood Risks Coastal, River, and Flash Flood Exposure Georgia's geography includes coastal areas, rivers, and mountainous regions—each with its own flood risks. Residents near the coast face threats from storm surges and hurricanes. Those near rivers and streams often experience overflow after heavy rainfall. And flash floods can occur with little warning in both rural and urban areas. Urban Flooding in Metro Areas Cities like Atlanta face growing risks of urban flooding due to dense development and inadequate drainage systems. When heavy rain overwhelms infrastructure, flooding can damage homes, businesses, and roads—even in areas not previously considered high risk. Weather Patterns and Seasonal Risks Georgia experiences significant rainfall throughout the year, especially during hurricane season. Sudden downpours and tropical storms can lead to widespread flooding in hours. As climate patterns continue to shift, flood events are becoming more frequent and intense, increasing the urgency for adequate protection. Who Needs Flood Insurance in Georgia? Homeowners in High-Risk Flood Zones If you live in a FEMA-designated flood zone, flood insurance is often required by mortgage lenders. But even if it’s not mandatory, having coverage is wise. A single event can wipe out years of equity and savings. Business Owners With Property at Risk Commercial properties are equally vulnerable. Whether you run a retail store, warehouse, or restaurant, a flood can halt your operations and cause extensive financial damage. Flood insurance helps business owners recover faster and reduce downtime. Renters in Ground-Floor or Basement Units Floods don’t discriminate based on ownership. If you rent, your landlord’s policy typically won’t cover your personal belongings. Renters flood insurance ensures your clothes, electronics, furniture, and other valuables are protected. How Georgia Flood Coverage Works National Flood Insurance Program (NFIP) vs. Private Insurers Most flood insurance policies in Georgia are provided through the National Flood Insurance Program (NFIP), a federal program managed by FEMA. These policies have standardized rates and coverage limits. Alternatively, private insurers may offer more customizable options, especially for properties outside high-risk zones. At The Tabb Insurance Agency, we help clients evaluate both NFIP and private flood insurance options to determine which makes the most sense for their property. What’s Covered and What’s Excluded Flood insurance typically covers direct physical loss caused by flooding. However, it doesn’t cover damage from sewer backups (unless they result from a flood), temporary housing, or vehicles. Understanding the fine print is critical to avoid surprises during a claim. Waiting Periods and Limits Most policies have a 30-day waiting period before coverage becomes active, so don’t wait until a storm is forecasted to get insured. Coverage limits also apply, so working with an experienced agent at The Tabb Insurance Agency can ensure your limits match your property’s value. Common Misconceptions About Flood Protection in Georgia "I’m Not in a Flood Zone, So I Don’t Need It" More than 20% of flood claims come from properties located outside high-risk flood zones. Just because your home isn’t in a designated zone doesn’t mean it’s safe from flooding. Homeowner's Insurance Myth As mentioned earlier, homeowner's insurance almost never includes flood protection. Relying on it for water damage caused by rising water can leave you exposed financially. Misunderstanding Flood Maps Flood maps change over time. Development, climate change, and updated data can shift a property's flood designation. At The Tabb Insurance Agency, we help clients understand how new maps impact their flood risk and insurance needs. The Tabb Insurance Agency Can Help Protect Your Property Local Experience With Flood-Prone Regions With deep roots in Georgia, we understand the regions most at risk for flooding. From coastal counties to mountain towns, we’re familiar with the nuances of local flood hazards. Customized Flood Risk Insurance Plans We don’t believe in one-size-fits-all coverage. The Tabb Insurance Agency offers personalized policies that match your property, location, and budget. Ongoing Policy Support and Guidance Flood insurance can be complex, but you’re never on your own. We provide continuous support—whether you’re reviewing coverage, renewing your policy, or filing a claim. Get the Right Insurance for Floods in Georgia Today Don't wait for the next storm to start thinking about flood insurance. The Tabb Insurance Agency in Conyers is here to help you assess your risk and create a flood protection plan that works for your home or business. Contact us today for a free consultation and take the first step toward securing reliable flood insurance in Georgia. With our expert guidance, you’ll gain confidence knowing that your property is protected, no matter what the weather brings.

Operating a business from home offers flexibility, lower overhead costs, and the freedom to be your own boss. But many home-based entrepreneurs across Georgia are unaware that their homeowner's insurance isn’t designed to cover business-related losses or liabilities. At The Tabb Insurance Agency, we help home-based business owners understand the risks they face and provide customized insurance solutions to protect their hard work. The Risks of Relying on Homeowner’s Insurance Alone If you assume your homeowner's policy protects your business, you could be in for an expensive surprise. While these policies are excellent for covering personal belongings and residential liability, they are rarely built to cover business property or activities. Limited Business Property Protection Most homeowners' policies provide only limited coverage for business-related property—and that coverage typically applies only when the property is located inside your home. If you store inventory or equipment in a garage, shed, or vehicle, your coverage may be significantly reduced or excluded altogether. No Liability Protection for Business Activities If a customer trips and falls on your property while picking up a product or attending a consultation, your homeowner’s insurance likely won’t cover the resulting claim. Without specialized business liability insurance, you could be left to pay legal and medical costs on your own. Excluded Loss of Income If a fire, theft, or storm damages your home and prevents you from operating your business, you could lose valuable income. Homeowner’s insurance does not provide business interruption coverage. These limitations make it essential for home-based business owners to seek out proper insurance coverage designed for their operations. Types of Home-Based Businesses That Need Insurance Nearly any business operating out of a home in Georgia can benefit from business-specific insurance. Some of the most common include: Online retailers and e-commerce sellers Freelance writers, designers, and consultants Bakers, crafters, and artists Childcare providers or in-home daycares Hairstylists, barbers, or estheticians Tutors, music teachers, and other instructors If you’re storing inventory, working directly with clients, handling sensitive customer data on a computer, or at risk of an accident or claims of negligence, you need insurance beyond what a homeowner’s policy provides—especially when payments or client interactions are part of your daily operations. Business Insurance Options for Home-Based Entrepreneurs At The Tabb Insurance Agency, we help you choose from several types of business insurance based on your needs, business model, and risk level. Home-Based Business Endorsement This is an add-on to a standard homeowner’s policy. It can provide limited coverage for business equipment, often up to $10,000, and small-scale liability protection. This may be suitable for hobbyists or part-time operations with minimal risk. In-Home Business Policy A more comprehensive option, this standalone policy covers: Business property and inventory Business interruption due to covered events Client injuries or property damage Product or professional liability It’s a strong choice for full-time businesses with customer interaction or high-value equipment. Business Owners Policy (BOP) For growing home-based businesses or those with complex operations, a BOP offers bundled protection. It typically includes: Commercial property coverage General liability insurance Loss of income due to disruptions Many Georgia entrepreneurs with established operations or employees benefit from the broader protection a BOP provides. Why Georgia Home-Based Businesses Face Unique Risks Georgia presents specific environmental, legal, and digital challenges that make insurance especially important for local business owners. Weather-Related Disruptions From thunderstorms to hurricanes, Georgia weather can damage your home and interrupt business. Business interruption coverage ensures you can keep paying bills and recover lost income while you get back on track. Legal and Licensing Requirements Certain professions in Georgia may require proof of insurance for licensing or contract work. Even if it’s not required, many clients and partners prefer to work with insured businesses, which boosts your credibility. Growing Cyber Threats Home-based businesses that sell online or store customer data are vulnerable to cyberattacks. A single breach could result in financial losses or lawsuits. Cyber liability insurance is an increasingly necessary protection in today’s digital landscape. Choosing the Right Coverage for Your Home-Based Business There’s no one-size-fits-all insurance policy. That’s why our team at The Tabb Insurance Agency works closely with you to evaluate your business and recommend coverage that fits your needs and budget. Key factors we consider include: Your business type and industry risks Whether you have client visits or deliveries to your home The value of your inventory, tools, and equipment Revenue levels and the need for income protection Whether you store or transmit customer data We’ll guide you through the process and explain each coverage option so you can make an informed decision. Benefits of Working With The Tabb Insurance Agency Choosing The Tabb Insurance Agency means getting a trusted local partner who understands Georgia businesses. Our team offers: Personalized coverage recommendations tailored to your specific risks Clear, easy-to-understand explanations of policy terms Access to top-rated insurance carriers and competitive pricing Ongoing support to update your policy as your business grows Whether you're just getting started or expanding your home-based operation, we’re here to help you protect what matters most. Don’t Leave Your Business Exposed—Get Covered Today Running a business from home doesn’t mean you’re free from risk. In fact, many home-based entrepreneurs are more vulnerable than they realize. Without the right insurance, one unexpected incident could lead to costly repairs, lawsuits, or lost income. At The Tabb Insurance Agency, our professional insurance agents specialize in helping Georgia’s small business owners—including home-based entrepreneurs—find the coverage they need to succeed with confidence. Contact us today for a free consultation and let us help you build the right insurance plan for your home-based business. An insurance agent is ready to help you protect your business, your income, and your peace of mind.