https://www.downhomeagency.com/lets-talk-insurance daily 1.0 2023-01-10 https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633550599321-JKUFMBIAGA5J6S2W7CJK/244530419_3946952592071131_4529260619525816622_n.jpg HOMEPAGE - You’re in Good Hands. We want you to be covered and protected like our family. Call us at 706-450-9995 to talk about options that will protect you from mayhem! https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633551377647-IKC8T25WJT9FSYXG125V/1652x1900.jpg HOMEPAGE - Locally owned and operated Our Agent-Owner Heather Napier started her career in insurance with Allstate over 17 years ago and has grown her agency of 10 years to be one of the TOP 5% Agencies in the State of Georgia. Licensed in Georgia, Alabama, and Tennessee we serve the Chattanooga-metro tri-state area and beyond! We offer a wide range of services including auto insurance, homeowners insurance, personal liability insurance, financial services, and so much more! https://www.downhomeagency.com/lets-talk-insurance/homeowners monthly 0.5 2021-10-13 https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633636335298-45Z5LUTZ1I51G8WXTXGM/unsplash-image-aren8nutd1Q.jpg HOMEPAGE - Homeowners Insurance Whether your home is a two level with a basement, https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633636356021-0DHQOPQYN5HRA0Z4N0DP/Untitled+design+%2829%29.png HOMEPAGE - Homeowners Insurance or a mobile home, we have got you protected. https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633636014381-SEUUU20L76MKEAVZ0PWC/Untitled+design+%2828%29.png HOMEPAGE - Homeowners Insurance - Save money, get better protection Did you know bundling your home and auto saves you up to 25% off your homeowners insurance every year? https://www.downhomeagency.com/lets-talk-insurance/umbrella monthly 0.5 2021-10-07 https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633638213850-BPVQKZDLQ6WWDHCOE63F/unsplash-image-WyxqQpyFNk8.jpg HOMEPAGE - Personal Umbrella Liability Insurance - How does it work? Here's an example of how a personal umbrella policy works: If you're at fault in a car accident that injures another driver, your regular auto insurance may cover the other driver up to the limit you selected, say $250,000. But, what happens if that limit is not enough to cover the other driver's resulting medical bills? If the other driver's injuries are severe, you may be legally responsible for damages beyond the $250,000 your car insurance policy covers. And, if he sues you, your personal assets could be at stake. Imagine if that injured driver were a surgeon or another highly paid professional. What if the accident you caused resulted in an injury that kept him from doing his job for six months? Suddenly, he's suing you for $1 million to cover the six months he's away from work. Your auto policy's liability coverage may pay for up to $250,000, but where would you come up with the remaining $750,000? A personal umbrella policy can help cover the additional costs when your standard insurance policy isn't enough. An umbrella policy could provide the additional coverage you need so that you don't get stuck trying to pay the remaining balance yourself. This extra policy could help protect your bank account, home and other personal property. In most cases, personal umbrella policies are available in million-dollar increments, from $1 million to $5 million. While an umbrella policy is not required, it may offer increased protection in the unfortunate event of an accident. https://www.downhomeagency.com/lets-talk-insurance/lifeinsurance monthly 0.5 2021-10-07 https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633638672657-4HL8RHFGBFCQWN7PD705/unsplash-image-HSy0QXIRafg.jpg HOMEPAGE - Life Insurance - Make plans for your family’s future. Everyone deserves a secure financial future — and that's why life insurance is so important. Whether you're just starting out or you're getting ready to retire, a life insurance policy can help you give your family financial peace of mind if you are no longer there to provide for them. It is the ultimate gift of love. https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633639315554-VFG8AI5Z5HU2IIW3S0N2/unsplash-image-FqqaJI9OxMI.jpg HOMEPAGE - Life Insurance - Term Life Insurance A term life insurance policy offers affordable, straightforward protection that lasts a defined period of time. Term life insurance is often the lowest priced coverage option, but it is temporary. It designed to help replace your income if you pass away during earning years. Your family can use the death benefit to help pay for expenses like housing, childcare and groceries. https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633639533821-3EQCWNBTG0AYHTNQV2T2/unsplash-image-L4nwL3195U0.jpg HOMEPAGE - Life Insurance - Whole Life Insurance A whole life insurance policy offers predictable lifelong protection with the most guarantees, including a fixed premium and death benefit. Whole life policies provide that the amount of life insurance coverage you buy at the start of the policy remains the same throughout your lifetime. The cost is fixed, based on your age when you buy it. And the money paid to your family when you die is generally income tax free. This type of permanent life insurance offers: https://www.downhomeagency.com/lets-talk-insurance/autoinsurance monthly 0.5 2021-10-06 https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633618115122-LRNNHGTTBO6XUZBPUPRH/Untitled+design+%2827%29.png HOMEPAGE - Auto Insurance - Auto Insurance Mayhem can be found on the road or right above your driveway (think tree branches!) and we are here to make sure that you are covered. Allstate has some of the lowest rates among standard insurance companies —> plus we offer LOCAL support out of our offices in downtown Chickamauga, GA. https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633618748300-I9SEZHOXBCFO2CW98CCI/Untitled+design+%2826%29.png HOMEPAGE - Auto Insurance - Classic Car Insurance We partner with Hagerty Classic Car Insurance that allows you insure your vehicle for “guaranteed value” instead of Kelly Blue Book Value to make sure your investment is covered. https://www.downhomeagency.com/lets-talk-insurance/financial-services monthly 0.5 2021-10-07 https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633639854038-WU3CRJ27M61HTPIJJYLY/unsplash-image-maJDOJSmMoo.jpg HOMEPAGE - Financial Services - What financial services do we offer? As a Licensed Broker Dealers, we are able to offer a wide array of services including: 529 College Savings Plans Annuities Mutual Funds Individual Retirement Accounts (IRAs) https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633640213749-LCYO1IP0TITIJQKRJSFS/unsplash-image-2RouMSg9Rnw.jpg HOMEPAGE - Financial Services - 529 College Savings Plan It's never too early to get a head start on your child's future. A tax-deferred 529 college savings plan helps you pay for things like tuition and housing when the time comes — and it may only take $15 to start. You can also use these funds for K-12 private schooling. https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633640398733-8W2Q7QTVC959YUF7FGFX/unsplash-image-DGP-759-Ukk.jpg HOMEPAGE - Financial Services - Annuities Use this long-term investment as a part of your retirement strategy. Annuities can provide benefits such as tax deferral, an income stream, or a death benefit. We work with Equitable, Protective and Prudential to find the right annuity for you https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633640574652-5L0AW7YTUYD63XIQ1WM0/unsplash-image-unRkg2jH1j0.jpg HOMEPAGE - Financial Services - Mutual Funds Plan for your financial goals big and small with mutual fund options from the more than 20 fund families we work with — including options from American Funds, Fidelity Investments and Franklin Templeton Investments. Mutual funds allow you to invest alongside other like-minded people. Run by professional portfolio managers, each fund varies in levels of risk and reward based on which type of mutual fund you choose. https://images.squarespace-cdn.com/content/v1/6074e8fa9d525f4c5c3e39d7/1633640766937-FNW8Y3Y4SEJMWF24G7YR/unsplash-image-SPQqQy5OUSo.jpg HOMEPAGE - Financial Services - Individual Retirement Accounts (IRAs) Grow your retirement savings with tax-advantaged IRAs, including Traditional, Roth and Rollover options that can be customized to meet your goals. An individual retirement account, or IRA, is a simple way to get a head start on saving for your future, and can provide tax advantages.