Question 1

What are the minimum auto insurance requirements in Carrollton, Georgia?

Accepted Answer

Georgia requires 25/50/25 liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. These requirements haven't changed for 2025 or 2026. However, these minimums often aren't sufficient to cover serious accidents, so many residents choose higher limits like 100/300/100.

Question 2

Does homeowners insurance in Carrollton cover flood damage?

Accepted Answer

No, standard homeowners insurance covers tornado and wind damage but specifically excludes flood damage. You need a separate flood insurance policy through the National Flood Insurance Program if you want flood coverage. Your community must participate in the program for you to purchase this coverage, so check with a local agent about whether it's available for your property.

Question 3

Do UWG students need renters insurance?

Accepted Answer

While not legally required, renters insurance is highly recommended for UWG students. It protects your belongings from theft or damage and provides crucial liability coverage if someone is injured in your apartment. Most policies cost just $15-30 per month and offer $100,000 or more in liability protection, which can save you from financial disaster if an accident occurs.

Question 4

What happens if I drive without insurance in Georgia?

Accepted Answer

Driving without insurance in Georgia has serious consequences. You'll face fines and your vehicle registration can be suspended. Driving with a suspended registration is a criminal offense that can result in your vehicle being impounded. Georgia requires continuous insurance coverage on all registered vehicles.

Question 5

Are there insurance discounts available in Carrollton?

Accepted Answer

Yes, most insurance companies offer bundling discounts if you combine multiple policies like auto and home or renters insurance. You may also qualify for discounts based on good driving records, home security systems, multiple vehicles, or student status. Talk to local agents about all available discounts to lower your premiums.

Question 6

How do severe weather risks affect insurance costs in Carroll County?

Accepted Answer

Carroll County experiences tornado risks and flash flooding, which can affect homeowners insurance premiums. Standard policies cover tornado and wind damage, but you'll pay extra for separate flood insurance if your property is in a flood-prone area. Creating a home inventory with photos and keeping policy information accessible helps streamline claims if severe weather strikes.

Insurance Agents in Carrollton, Texas (TX)

Insurance agencies serving Carrollton

Ameriland Insurance Agency LLC

Anchorsafe Insurance Heath

Insurance Agents in Carrollton, Texas (TX)

Insurance agencies serving Carrollton

Ameriland Insurance Agency LLC

Anchorsafe Insurance Heath

Hotchkiss Insurance

Mike Leonard

Rex White Insurance

Texas Giant Insurance

Texas Giant Insurance

Trimark3 Insurance

Trimark3 Insurance

Trotter Insurance Group, LLC

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