Articles and Resources
7 Ways to Save on Insurance
Homeowners insurance premiums are expected to rise 8 percent in 2004, according to the Insurance Information Institute-on top of 2003’s 7 percent increase. More prevalent storms, hurricanes, floods, and wildfires are the biggest culprits behind the increase. Blame mold claims and stock market losses by insurance companies, as well. To obtain insurance at a good rate:
1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in. CLUE details the property’s claims history for the most recent five years, which insurers may use to deny coverage. Make the sale contingent on an home inspection to ensure that problems identified in the CLUE have been repaired.
2. Seek insurance coverage as soon as your offer is approved. You must obtain insurance to buy. And you don’t want to be told at closing that the insurer has denied your coverage.
3. Maintain good credit. Increasingly, insurers are using credit-based insurance scores to determine premiums.
4. Buy your homeowners and auto policies from the same company and you’ll usually qualify for savings. But make sure the discount really yields the lowest price.
5. Ask about other discounts. For example, retirees who are home more than working people may qualify for a discount on theft insurance.
6. Seek group discounts. If you belong to any groups, such as associations or alumni organizations, they may have deals on insurance coverage.
7. Investigate a government-backed insurance plan. In some high-risk areas, federal or state government may back plans to lower rates. Ask your agent.
Lake Blue Ridge - Blue on Blue
On the north side of the lovely town of Blue Ridge, Georgia is a treat for the eyes, the ears, and the soul. It is the spectacular North Georgia Reservoir known as Lake Blue Ridge.
Resort and Second Home Properties in Georgia
Interest in Georgia's resort and second-home market has cooled, mirroring the national trend, but it is poised for a comeback as baby boomers retire and Floridians show interest in their northern neighbor.
Take a Walk on the Wild Side
Heading to the North Georgia mountains is always a perfect way to shake off the summer doldrums. To help you ease into this 2007 fall festival season, Blue Ridge is hosting their annual Wildlife & Nature Fine Arts Festival and Expo at the Blue Ridge City Park near down-town the weekend of September 15th and 16th.
2007 Mountain Real Estate
For some Americans in major cities on the coasts, these have been ugly times. Riding a real estate rocket that soared to the stratosphere, they had incredible spikes in home appreciation. But where there's a bubble, there's inevitably a bursting to follow.
Destination Blue Ridge, GA - Prelude
A virtually undiscovererd Georgia town is on the brink of major change. Yes, the secret's getting out about Blue Ridge. Only 90 minutes ffrom Atlanta, the combination of mountain views, lakefront property and access to the river is bringing a new population to town.
Dahlonega, Georgia City of Gold
There is gold in the Appalachian Mountains from Virginia to Alabama, but the discovery of rich deposit on Cherockee land in North Georgia prompted the first real gold rush in the United States and led to the forced removal of the Cherokee Tribe to Oklahoma in what is known as the "Trail of Tears."
Living Large on Lake Blue Ridge
Friends and family were the first to point out the obvious disparity to Rick and Janet Williams. I seems their recently completed "weekend home" on Lake Blue Ridge wound up much larger (and grander) than the family home in Atlanta.
Mountain Living - Southern Style
Atlanta residents are forgetting cities like Ft. Lauderdale or Naples and replacing them with the likes of Georgia mountain retreats such as Ellijay, Dahlonega or Blue Ridge.
Light Up Blue Ridge
According to Sonja Striker and Michael Brunson, who are co-chairs of this year's event. Light Up Blue Ridge is the "biggest event of the year [for us], and kicks off the holiday season for visitors and residents alike in our little town."
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