Condo Insurance vs. Homeowners Insurance: What Georgia Residents Should Know

Posted on January 30, 2026January 15, 2026 by admin

Condo insurance and homeowners insurance may seem similar, but they serve very different purposes. Homeowners insurance typically covers the entire structure of a house, including the interior, exterior, and surrounding property. Condo insurance, on the other hand, is designed to protect the interior of your unit and your personal belongings, while the condo association’s master policy covers shared areas like hallways, roofs, and exterior walls.

What Makes Condo Insurance Unique?

Condo insurance, often referred to as HO-6 insurance, works alongside the master policy provided by your condo association. While the master policy covers common areas and the building’s exterior, your individual condo insurance policy focuses on what’s inside your unit. This includes your personal property, liability coverage, and any upgrades you’ve made to your unit.

Key Features of Condo Insurance

Georgia condo owners should look for the following coverage in their HO-6 policy:

Personal Property Coverage: Protects your belongings, such as furniture, electronics, and clothing.
Liability Coverage: Covers legal expenses if someone is injured in your unit or if you accidentally damage someone else’s property.
Loss Assessment Coverage: Helps pay for your share of costs if the condo association imposes fees for damages to shared areas.

Why Condo Owners in Georgia Need Specialized Coverage

Condo insurance is essential for Georgia residents because it fills the gaps left by the condo association’s master policy. Without an individual policy, you could be left paying out of pocket for repairs, replacements, or liability claims that aren’t covered by the master policy.

Find the Right Coverage with King & French Insurance Agency

At King & French Insurance Agency, we help Georgia condo owners navigate their insurance options to find the perfect policy for their needs. Whether you’re looking for comprehensive coverage or need help understanding your condo association’s master policy, we’re here to assist. Visit King & French Insurance Agency today to learn more about condo insurance.

Don’t leave your condo unprotected. Contact King & French Insurance Agency in Georgia to explore condo insurance options and ensure your property is fully covered.

Hit-and-Runs in Atlanta: How Auto Insurance Can Help You Recover

Posted on December 26, 2025December 2, 2025 by admin

Driving in Atlanta can be stressful, especially with the city’s heavy traffic and crowded streets. Unfortunately, hit-and-run accidents are a growing concern for drivers in the area. These incidents leave many wondering how to handle the aftermath. At King & French Insurance Agency, we help Atlanta drivers stay protected with auto insurance that covers the unexpected.

What Happens After a Hit-and-Run?

A hit-and-run occurs when another driver damages your car and leaves the scene without providing their information. This can happen anywhere, from busy highways like I-75 to parking lots in downtown Atlanta. Without the other driver’s details, you’re left to deal with the damage on your own.

How Auto Insurance Can Help

Uninsured motorist coverage is designed to protect you in situations like hit-and-runs. It helps cover the cost of repairs and medical expenses when the at-fault driver can’t be identified. For Atlanta drivers, this coverage is essential, especially in areas where hit-and-runs are more common.

Repair Costs: Uninsured motorist coverage can pay for damage to your car caused by a hit-and-run.
Medical Bills: If you’re injured, this coverage can help with hospital expenses.
Peace of Mind: You won’t have to worry about paying out of pocket for someone else’s mistake.

Why Atlanta Drivers Need Protection

Hit-and-runs can happen anywhere, but Atlanta’s busy roads make them more likely. At King & French Insurance Agency, we help drivers find policies that include uninsured motorist coverage. This ensures you’re prepared for the unexpected, whether you’re commuting downtown or driving through the suburbs.

Contact King & French Insurance Agency today to learn more about auto insurance options in the Atlanta area. Let’s make sure you’re covered no matter what the road brings.

Why Atlanta’s Restaurants Need Specialized Commercial Insurance

Posted on November 28, 2025November 4, 2025 by admin

Atlanta’s restaurant scene is booming, with everything from trendy brunch spots to classic Southern diners drawing crowds every day. But behind the delicious food and lively atmosphere, restaurant owners face a variety of risks that could disrupt their business. From kitchen mishaps to liability claims, having the right commercial insurance is the key to staying protected.

What Could Go Wrong?

Running a restaurant in Atlanta is rewarding, but it’s not without challenges. Here are just a few scenarios that could impact your business:

A kitchen fire damages your equipment and forces you to close for repairs.
A customer slips on a wet floor and files a lawsuit for medical expenses.
A power outage during a summer storm spoils your refrigerated inventory.
An alcohol-related incident occurs after serving drinks to a customer.

These situations are more common than you might think, and without the right insurance, they could lead to significant financial losses.

What Types of Insurance Should Atlanta Restaurants Have?

To protect your restaurant from these risks, consider the following types of coverage:

General Liability Insurance: This policy covers claims related to injuries or property damage caused by your business. For example, if a customer trips and falls, liability insurance can cover legal fees and medical costs.

Commercial Property Insurance: Protect your building, furniture, and equipment from risks like fire, theft, or vandalism. This is especially important for restaurants with expensive kitchen appliances.

Food Contamination Coverage: If a power outage or equipment failure leads to spoiled food, this coverage can help you recover the cost of lost inventory.

Liquor Liability Insurance: If your restaurant serves alcohol, this policy protects you from claims related to alcohol-related incidents, such as fights or accidents.

Business Interruption Insurance: Severe weather or other unexpected events can force you to close temporarily. This coverage helps replace lost income during downtime.

Why Atlanta Restaurants Need Local Expertise

Atlanta’s restaurant industry is unique, and its insurance needs reflect that. Partnering with a local agency like King & French Insurance Agency ensures you get coverage tailored to the specific risks faced by restaurants in the area. From understanding local liquor laws to navigating storm-related claims, a local agency can provide the personalized support you need.

Don’t Let Risks Derail Your Business

Running a restaurant in Atlanta is an exciting venture, but it’s important to be prepared for the unexpected. At King & French Insurance Agency, we’re here to help you find the right commercial insurance policies to protect your business, employees, and customers. Contact us today to learn more about your options and keep your restaurant thriving in Atlanta’s competitive food scene!

How to Handle Unexpected Home Repairs During the Holiday Season in Atlanta

Posted on October 31, 2025October 10, 2025 by admin

The holiday season is a time for family gatherings, festive decorations, and creating memories. However, it’s also a time when unexpected home repairs can disrupt your plans. From plumbing issues to roof leaks, Atlanta area homeowners may face challenges that require immediate attention. Understanding how your home insurance can help during these situations is key to staying prepared.

Common Holiday Season Home Repairs

With colder weather and increased activity in your home, certain repairs become more common during the holidays. Burst pipes due to freezing temperatures, heating system malfunctions, and roof damage from storms are just a few examples. These issues can be stressful, especially when you’re hosting guests or preparing for celebrations.

How Home Insurance Can Help

King & French Insurance Agency works with Atlanta area homeowners to ensure their policies cover unexpected repairs. For example, if a storm damages your roof or a pipe bursts and causes water damage, your home insurance policy may help cover the cost of repairs. It’s important to review your policy to understand what types of damage are included and whether you need additional coverage for specific risks.

Tips for Preventing Holiday Season Repairs

Insulate exposed pipes to prevent freezing during cold weather.
Schedule a heating system inspection before temperatures drop.
Clear gutters and downspouts to avoid water buildup and roof damage.
Address minor issues early to prevent them from becoming major problems.

Partner with King & French Insurance Agency

Unexpected home repairs can be stressful, but having the right insurance coverage can make all the difference. King & French Insurance Agency is here to help Atlanta area homeowners navigate their policies and ensure they’re prepared for the holiday season. Contact King & French Insurance Agency today to learn more about how we can support you during this busy time of year.

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