Cowart Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Happy Holidays from our family to yours!


Keep Pets Happy and Safe on Vacation

You’re not just imagining it-a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Georgia's Distracted Driving Laws:

House Bill 673: Distracted Driving Legislation (Important Changes to Georgia Law) HB 673 would prohibit drivers from holding or supporting a wireless telecommunication device or a stand-alone electronic device while...

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Happy Thanksgiving from our Family to Yours!


Five Common (and Potentially Costly) Homeowner Mistakes

Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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What Students Should Know About Life Insurance

Considering the massive cost of a college education in America, do you ever wonder how much debt would be left behind in the event that a college student or university graduate passed away? Think about it: Leaving...

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Auto-Owners Secure Credit Card Payment Options –Take Your Pick!

Using a credit card to pay your insurance premium is convenient and often a preferred method of payment. It is comforting to know that Auto-Owners is consistently monitoring and taking the necessary steps to ensure...

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Bonfires, BBQs & Burn Barrels

Fall is a beautiful time of year, prompting friends and family to venture outside to enjoy time gathered around a fire. Whether your choice is a grill, bonfire or burn barrel, the primal pull of fire helps people...

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It’s Time to Rethink Flood Insurance

Floods are the nation’s most common disaster, and also the costliest, according to the Federal Emergency Management Agency (FEMA). Each year, U.S. homeowners suffer billions of dollars in flood-related damages....

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Five Ways to Protect Your Personal Electronic Data

Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why...

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7 Tips for School Sports Safety

7 Tips to Help Keep Student Athletes Safe Your Georgia household may be one of the millions this fall in which student athletes are dreaming of victory on their school playing fields. Of course, we here at Cowart...

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Let's Keep Our Lawns and Ourselves Safe

For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Why do I have to pay for my insured subcontractors?

Audits for contractors can be challenging. One of the most common questions auditors hear is, “Why do I have to pay for my subcontractors if they carry their own insurance?” When a contractor hires subcontractors, an...

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6 Tips for Getting to Work on Two Wheels

Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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5 Ways To Own A Classic For Under $10K

Without even taking into account maintenance and modification, a classic car can often seem like a daunting purchase that your wallet can’t weather. That’s not always the case, though. If you know what to look for,...

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Disability Income for Business Owners

Running a business is no easy task, even in great health. Whether you’re the owner of a small business or a large company, an injury or illness rendering you unable to work can be detrimental to your business. A ...

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Three 1980's Trucks to Buy, Sell or Hold

Domestic vehicles from the 1980s are having a moment. The ‘80s were once considered a low point in the automotive sense, but as nostalgia kicks in- along with the realization that so many American vehicles from that...

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Drive for a Ride-Sharing Company? Car-Sharing? Better Check Your Insurance

Two peer-to-peer trends that are growing in popularity are ride-sharing and personal vehicle sharing, or car-sharing. Most people do not realize that their personal auto insurance policy may not cover them if they were...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course....

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What you need to know about the Hands Free Georgia Act Effective Date: July 1, 2018

The new distracted driving law, Hands Free Georgia Act (HB 673), prohibits drivers from holding or supporting a wireless telecommunication device or a stand-alone electronic device while operating a vehicle....

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Preparing for the Unexpected

What would you do if your home was destroyed by a fire, or one of your water pipes burst while you were on vacation, or a burglar stole valuable items from your home? You can’t prepare for everything, but planning for...

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Summer Driving Tips

Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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Future Collectible Cars - 2018 Hagerty Hot List

These 10 vehicles from mass-production, mainstream automakers not only stand a good chance of maintaining strong value, but they also are likely to remain desirable over the long term in the eyes of collectors and...

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Protecting Your Home: Understanding Your Home Insurance Policy

As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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Do I Need to Tell My Insurance Company If My Dog Bites Someone?

You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Consider a Life Policy to Fund a Charitable Gift

Are there any charities that have a special meaning to you, your family or your friends? Do you ever feel as though you would like to support an organization that makes an impact? Life insurance can be a great way...

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Redline Rebuild Time-Lapse Video: Harley-Davidson Sportster Motorcycle

After a few busted knuckles and some late nights, we present you with our completed custom '57 Harley Davidson Sportster time-lapse build. She spit some fire and gave us quite the workout from all of the kick starts,...

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Five Affordable Fun Cars from the 1980s AND ’90s

With Generation X and early Millennials reaching peak earning years, a wave of 1980s nostalgia is pushing “fun cars” into cool territory. This list is a collection of worthwhile, affordable classics. They all offer...

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Protect Your Assets with a Personal Umbrella Policy

Even though you have insurance that protects your automobiles, your home or your “toys” (boats, motorcycles and seasonal locations), do you have insurance that protects your assets? Is protecting your family’s...

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Seven-figure Yanks: 5 American Cars that topped $1,000,000 IN 2017

The collector car market was split in 2017. Hagerty’s list of the highest auction sale prices for American cars is evenly divided between massive, open-top prewar machines and lithe postwar sports cars. Here are five...

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Developing Safe Drivers

Do your business operations include employees who drive? If so, their daily job includes sharing the road with other drivers; many of whom are pairing driving with another activity such as texting, eating and drinking,...

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Road Trouble Service to Keep You Moving in Georgia

Nothing can ruin your vacation quite like a flat tire. Instead of the epic vistas you planned, you’re forced to enjoy the shoulder of a dusty road. We know the feeling, and we want to help you get moving again. Road...

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Car Rental Coverage

We frequently gets calls from customers wondering if their rental vehicle is covered by their auto insurance policy while on vacation. If you have an Auto-Owners personal auto policy, it has specific coverage...

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Protect yourself from Carbon Monoxide at Home and at Work

Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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Emergency Action Plans

Emergency action plans aren’t just for schools and families. If you’re a business owner, it’s just as important for your business and employees to be prepared for a crisis. While nobody wants to be affected by an...

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Insuring Jewelry: How to Know if Your Coverage is Enough

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However,...

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Cyberattack Protection

You probably heard about the recent global-scale ransomware cyberattacks. This attack ranged from Britain’s National Health Service to universities, manufacturers and logistics companies. Over 150 countries were...

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Key Person Insurance

A business may consider its investments, properties and equipment as assets, but what about its employees – key employees in particular? A key employee is an individual who possesses certain skills or abilities that...

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New Automated Phone Payment Option

Auto-Owners now offers an automated phone payment system, available for credit card payments, 24 hours a day, seven days a week. This touch-tone system offers English and Spanish language options, and there is NO FEE...

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How Does Remodeling My House Affect My Insurance?

Envision your house transformed into a welcoming space with fresh updates and extra room for the things you enjoy. With a remodeling project you can open up walls, add lighting or upgrade the flooring to create a...

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Tips for Buying a Safe Car

You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your...

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Have some new jewelry in the house? Protect it!

Valentine’s Day is here, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” - and, of course, jewelry. It’s exciting to receive jewelry from...

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Show You Care: Pet Insurance Protection

We know you adore your pet, but if you haven’t set aside savings to cover veterinary costs for injuries or treatment, pet insurance may be a smart move. Here are some advantages of pet insurance through Figo that...

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10 Under $10K: December 2017 Collector Car List

Almost everybody in the collector car hobby is on a budget of some kind. For some of us, that budget is a pretty tight one. That doesn’t mean there aren’t plenty of choices on the bottom rungs of the price ladder,...

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Safeguard Your Long-Term Care

When deciding how you’d like to customize your long-term care (LTC) policy, you will most likely face a decision on whether to have an inflation rider or forgo any inflation protection. Before deciding what is best...

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Paperless Options: Going Green

Did you know your Auto-Owners Insurance policy documents and bills can all be paperless? Going paperless means you’ll receive an email as soon as a bill or policy document is available. These can be easily accessed on...

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Why Today’s Homes Burn Faster

From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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WHO NEEDS A SLEIGH? HAGERTY’S TOP 5 CHRISTMAS MOVIE CARS

Let’s face it, it just wouldn’t be Christmas without Christmas movies. They warm our hearts. They lift our spirits. They make us laugh. And if they happen to include a memorable classic car or two, well, all the...

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Three Ways a Pool May Affect Your Homeowners Insurance

That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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THE FIVE CARS WE'RE MOST THANKFUL FOR

It’s time to gather ‘round the table and give thanks for family, friends... and the cars that fuel our passion! The folks at Hagerty have compiled their own list of head turners and pulse-racers below. What would...

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Shopping for a Safe Car

Not only do vehicles vary in size and color, they can also vary in safety. There are still important safety differences, and some vehicles are safer than others. Many automakers offer safety features beyond the required...

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Road Tripping? Don't Leave Home Without These Tools

Vintage cars are not like daily drivers, and there’s no sense in pretending that they are. Something always needs to be fixed or, at a bare minimum, tightened. But which tools? Now, there’s the rub. It really does...

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How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Do You Need Umbrella Insurance?

One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires...

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How much are these scary movie cars worth?

Automobiles often play an important supporting or even starring role in many of our favorite films,from Bullitt with Steve McQueen to, well, the Disney movie Cars. That’s certainly true of horror and monster movies as...

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Low-Cost Home Updates

Update Your Home Without Emptying Your Wallet Quick, easy, inexpensive – whoever thought those adjectives could apply to home improvement projects in Georgia? But, they can! To spruce up your home on a budget, check...

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How to Help Prevent House Fires

Faulty Wiring and Outlets Are One of the Top Causes of House Fires. Check the electrical cords throughout your home for signs of fraying, and replace all frayed wires. Do not pinch or cover electrical cords with...

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Healthy Equipment Maintenance

We’ve all heard the saying, “An apple a day keeps the doctor away,” but did you know that preventive maintenance and routine checkups are necessary to keep your contractors’ equipment healthy, too? When developing a...

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Campsite security

Going Camping? Keep Your High-Tech Gear Safe With These Tips First things first: Do you really need to bring your tablet or laptop on your camping trip in Blue Ridge or one of Georgia’s State Parks? Are you really...

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How to Save Time and Money With Your Insurance Audit

The word “audit” can increase a person’s heart rate and send butterflies racing to their stomach, but a commercial insurance premium audit should not be an occasion for worry. The annual audit process ensures that you...

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The Hottest Classics Right Now

The experts at Hagerty® have released August 2017’s Hagerty Vehicle Ratings. The Hagerty Vehicle Rating tracks a vehicle’s performance relative to the entire classic car/truck market. Based on a scale of 0–100, a...

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Financial Safety for Travelers

Travel Smarts for Your Money and Identity Thieves love tourists. It’s nothing personal. They’re just looking for an easy target – someone who’s carrying cash and credit cards, tablets and cameras, passports and other...

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Three Classic Convertibles to Buy, Sell or Hold

Summer is here, and there’s nothing quite like driving a convertible to revel in it. The classic car experts at Hagerty® have listed three convertibles to consider if buying or selling. BUY: 1992-95 Dodge Viper RT/...

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Easy to Forget Cleaning Projects

As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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9 Home Security Tips

Did you know that a burglary happens every 20 seconds in the U.S., according to the FBI?1 Your home is one of your most valuable possessions, along with everything inside. It is a place you want to feel safe and secure...

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Insure Your Wedding

Tying the Knot? Tie up Loose Ends With Wedding Insurance Getting married is a big step that you’re no doubt commemorating with a big celebration. And, that often comes with a (fairly) big price tag. So, have you...

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10 Future Collectible Cars of 2016 - Hagerty's Hot List

The age of driverless vehicles isn’t here yet, so which new 2017 vehicles are expected to one day join the ranks of fully drivable classic collectibles? According to the valuation experts at Hagerty®, 10 vehicles in the...

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Heavy Rain? Be on the Lookout for Heavy Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Kitchen Fire Safety

When thinking of the cause of a kitchen fire, it is common to think of cooking. But not all kitchen fires start because of cooking hazards. Non-cooking related fires commonly involve refrigerators, freezers or...

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Driving Tips for Extreme Heat

Hot Day Behind the Wheel? Here’s How to Beat the Heat The forecast in Atlanta: Hot and getting hotter. And, that can make for troublesome travel. When the temperature increases, decrease your risk on – and off – the...

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Security to Keep you Afloat

With summer upon us, friends and family will soon begin seeking relief from the notorious Georgia heat at their favorite lakes, the Atlantic and neighborhood pools. Boating is a popular activity for families and...

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Want a Safer Home? Consider these Inexpensive Fixes

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Caring for Your Precious Possessions

We all remember the day we received our diamond engagement ring, those opal earrings for a special birthday or the emerald pendant gifted to us by our family. Those items are near and dear to our hearts, so they should...

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Permanent Versus Term Life Insurance in Georgia

When determining your need for life insurance, you need to know which policy is right for you.It is important to understand the biggest differences between term and permanent life insurance when deciding which of these...

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Protect Your Business or Family With Disability Insurance in Georgia

May is “Disability Income Awareness” month, which makes this a good time to share information about the benefits of disability income insurance. Think of this coverage as insurance for your paycheck, as this product can...

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Help Your Dog Love Apartment Living

Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Love Bites – Get Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered?Unfortunately, we live in a world of lawsuits. Large damages can be...

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SPRING START-UP: TIPS FOR GETTING YOUR CLASSIC BACK ON THE ROAD

For classic car owners, the long wait for spring can be excruciating. The good news is, it’s almost here. The classic car experts at Hagerty® have put together the following spring start-up checklist. Take advantage of...

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Thinking about getting a furry friend?

So you're thinking about getting a pet. You're probably imagining a furry friend to curl up on the couch with while you read a good book or maybe a friend to take with you on your weekend hiking trips. As cute and...

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Do I need Flood Insurance?

If you live in a 100-year floodplain and have a mortgage, you don’t have to wonder if you need flood insurance - it’s required as a condition of your loan. If flood insurance is not required as a condition of your...

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Teen Driving Safety

Talking to Your Teen About Safe DrivingWhen teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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The Paid-in-Full Discount Advantage

Did you know that most insurance policies from Auto-Owners Insurance offer a Paid-in-Full discount? With this discount you could save BIG money! To qualify for the Paid-in-Full discount, the entire discounted policy...

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Car Shopping With Safety in Mind

You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone.Even still,...

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Security tips for small businesses

5 Tips for a More Secure WorkplaceProtecting your business in Hoschton, Braselton and Jefferson used to mean locking the doors at the end of the day. That’s still important, of course, but now a security breach can...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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7 Driving Habits That Are Bad for Your Car

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If...

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Life Insurance: A Good Investment for Their Future

Purchasing life insurance for children has many advantages and is important in protecting their ability to acquire insurance at a young age.Life insurance is generally purchased for final expenses and replacement...

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Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Renting out your home?

Have you tried to sell your Georgia home, but decided to rent it out instead? Or did you recently inherit your parents’ house and now your sibling or child are temporarily living in it? Whatever your situation may be,...

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Cybersecurity in the Age of Connectedness

With all the recent news about viruses, data breaches and other computer-related crimes, you may be wondering if you are adequately protected. Many standard commercial property and commercial liability insurance...

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Personal Automobile Plus: Additional Coverages and Enhancements

If you’re looking to beef up coverages on your Georgia auto insurance policy at a reasonable rate, the Personal Automobile Plus package* from Auto-Owners Insurance can be purchased at $30 for a semi-annual policy or $60...

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Preventing Slips, Trips & Falls at your business

Slips, trips, and falls are one of the leading causes of general industry work-related accidents. Surprisingly, they rank second behind motor vehicles in accidental deaths. They have the possibility to cause major...

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Is my rental car covered?

Nothing can ruin your family vacation quite like totaling the rental car on the way to the hotel. As you sit by the side of the road, you can’t help but think about how much this is going to cost, since you didn’t...

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Disability Income: protecting your most important asset

You probably know that life insurance will protect your family from the unfortunate death of a loved one. Have you thought about what would happen if something catastrophic were to happen that did not involve a death?...

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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more.When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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The Flexibility of Universal Life Insurance

Have you thought about purchasing both a permanent and a term life insurance policy to cover different financial obligations in your life? You don’t need to do this if you purchase a universal life insurance policy....

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Is your repair garage completely covered?

Managing your repair garage is challenging – you are responsible for every important aspect of your business, from advertising and handling accounting records to dealing with difficult customers. Add those jobs to...

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Which Cars Scream MidLife Crisis?

Our friends at Hagerty® like to celebrate the midlife crisis: It’s just another excuse to buy a car. Here are their top four cars to consider:Chevrolet Corvette: The Corvette is arguably the car that put American...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Driving in Extreme Heat: Keep Cool on Summer’s Hot Roads

The sun is shining, your shades are on and there’s nothing ahead but miles and miles of enjoyment. You love being behind the wheel on a nice warm day. But, as the temperatures rise so do your chances of encountering...

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Safety Tips for Your Summer Swims

When You Think Swimming, Think Safety When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger....

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Safety Tips for Summer Thrill Seekers

The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Summer has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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The Type of Fire Extinguisher Every Home Should Have

A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Life Insurance: Covering Loved One's

Purchasing life insurance for your children can admittedly be a little awkward or uncomfortable. Because this important matter doesn’t cross our minds frequently and since many people don’t want to talk about it, it is...

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Cut road trip costs

4 Tips to Help Cut Road Trip Costs There’s no better way to see the country than a road trip, and it’s also the way to travel if you’re looking to keep costs under control. To that end, here are a few ideas to help...

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Georgia Business Insurance: Steps to take to prevent slips, trips and falls

With summer just around the corner and winter in our rearview mirror, a lot of business owners feel that they can put their concerns about slips, trips and falls away for few months. Unfortunately, that is not the case....

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Are You Ready to Ship Out?

The new boating season is upon us … are you and your boat ready? Imagine sitting on your boat, enjoying the crystal-clear waters and sunny, blue skies. To help ensure that time spent on your watercraft is safe and...

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Spring and Summer Storms. Are you ready?

Spring and Summer are wonderful time's of year. Unfortunately, they can also bring major storm activity in the form of torrential rains, hail, high wind, tornadoes or whatever else Mother Nature wants to throw our way....

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Disability Income: How do you protect your most important asset?

You probably know that life insurance will protect your family from the unfortunate death of a loved one. Have you thought about what would happen if something catastrophic were to happen that did not involve a death?...

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Why Buy Business Income Insurance?

As a business owner, you are probably aware of the need for business insurance for your property, buildings and for your contents. Oftentimes these policies are easier to understand and to justify purchasing. However,...

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Navigate Rainy Roadways With Care

It’s just rain — how much impact can it really have on your driving?The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after a...

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Changing Technology in your Home = $ Savings

From the cars we drive to the watches we wear, technology is changing at an ever-increasing pace. But did you know this changing technology, when applied to your home, could mean savings? And not just financially. When...

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Stay Safe on the Road: Avoid Distracted Driving

As technology’s presence grows in our lives – and in our vehicles – it’s becoming easier to be distracted while we’re driving. There are three main types of distraction while driving: visual, manual and cognitive....

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Identity Protection Tips for Tax Season

What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers?All of those are pretty important, but none of them...

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Your First Spring Garden

How to Create Your First Garden This Spring From genetically modified crops to the environmental and health effects of pesticides, more and more Georgia residents are questioning whether they should grow what they eat....

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Daylight Savings

Daylight Savings Time is also Daylight Safety Time. - In most places in the United States, March 13th, is Daylight Saving, when clocks are moved forward one hour. We here at Cowart Insurance want to remind you it’s also...

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Read Across America

Read Across America Day: Encourage Reading and Honor Dr. Seuss Georgia parents, March 2 is Read Across America Day! We here at Cowart Insurance believe there are so many reasons to encourage children to read. First of...

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What to Do After a Car Accident in Winter

Tips on Handling an Auto Accident Safely - Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road. And, an even worse time to get into a car accident.But, with reduced...

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Make Life Insurance Part of Your Financial Planning!

Many people recognize the importance of life insurance, yet according to the 2015 Insurance Barometer Study by Life Happens and LIMRA, more than 40% of Americans have no life insurance. Life insurance is a subject that...

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How to Avoid Animal-Vehicle Collisions

About 2 million times every year, animals and cars collide on U.S. roadways - often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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Cold weather is coming! Take steps now to prevent frozen pipes in your home

It’s about to get very cold outside! Freezing temperatures can lead to frozen pipes and water damage in your home. Fortunately, there are several steps you can take right now to help prevent freezing pipes. Keep...

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How Much Life Insurance Is Enough?

The first step to purchasing Georgia Life Insurance is to determine how much you need. Below you will find a Life Insurance Estimator to help you decide how much life insurance is enough to provide you peace on mind,...

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Protecting the Pipes in Your Home: Keeping Water Damage at Bay

Imagine returning from vacation and your home is cold and the carpet is saturated. The kitchen ceiling is in pieces on the counter and floor. The master bathroom laminate floor looks like a roller coaster. Water is...

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Reduce, Reuse and Recycle for a Greener Holiday

Reduce, Reuse and Recycle for a Greener Holiday You may be dreaming of a white Christmas, but really all of us in Dacula, Georgia should be striving for a green holiday! Let’s face it, with all the wrapping paper,...

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Thrifty Security: Burglar-Proof Your Home for the Holidays

It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Safe, Secure Shopping: Tips for Black Friday

It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Veterans Day

Top 10 ways to honor a veteran on Veterans Day Americans celebrate Memorial Day in the spring and Veterans Day in the fall. While it can be easy to confuse the two holidays, Memorial Day is set aside to honor American’s...

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Tips to have a Happy and Safe Halloween

Halloween is creeping up fast and many consumers may not realize how frightening this scary night could be for their personal safety, their property or their bank accounts. We can help your family and business better...

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Fire Pit Safety

Be Careful When You Play With Fire, Even in the Backyard It's a great feeling to hang out with friends and family around a blazing fire in your backyard in Georgia - unless, of course, that fire blazes a little too much....

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Your Home Maintenance Checklist for Fall

Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don't forget, winter is right around the...

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4 Ways to Help All Children Have a Great School Year

It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Football Fan Safety

Make Football season not just fun, but also safe. Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves, the start of school and, of course, the SEC & ACC...

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Keep Cool While Keeping Your Energy Costs Down

Two thirds of households in America have air conditioners, according to the U.S. Department of Energy - and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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9 Insurance tips for your College Student

College is expensive enough without finding out too late that an accident or theft isn't covered under your current policies. So, as you get your College Student ready to head off to school in the fall, there's one...

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Vacation Travel Smarts

Make your vacation a great one Whether you're planning a trip to a local attraction in Georgia this summer, or headed all the way across the country, you want your vacation to be relaxing. It's a getaway from work, not...

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Tips for a Safe Fourth of July — From Food to Fireworks

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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Commuting by Bike: How to Get to the Office on Two Wheels

There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don't get stuck in traffic, either). And they even have fun - as long...

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What happens if I get a speeding ticket?

Slow Down, Save Money... and lives How many times has the following happened to you? You're speeding down Interstate 85 or up Highway 316 when you spot a Georgia Highway patrol car. You quickly hit the brakes and slow...

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Keeping Your Boat Shipshape

If you're a boater, there's nothing better than a day on Lake Lanier or Lake Hartwell. We know your boat is a significant investment of time and money. Routine maintenance can extend the life of your boat and reduce the...

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Where are the best RV parks? How do I get ready to go camping in my RV?

"Wherever you go, there you are." Whoever said that must have been an RV owner - after all, one of the best things about vacationing in an RV is the fact that your "hotel" is pretty much anywhere you decide to stop....

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Dogs and Umbrella Insurance

Love bites - Get Umbrella Coverage! In today's economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn't a home and auto policy leave you adequately covered? What is umbrella insurance...

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Getting Your Boat Out of Storage and Into the Water

Spring is here, and you're ready to get out on the water. But is your boat ready? Even if you've kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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7 Tips for traveling with a Cat or Dog

A family road trip just isn't complete without your Doggy or Kitty in the back seat. Traveling with your furry friends can truly enhance a vacation. It can also complicate one if you don't prepare your dog or cat for...

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Tips for Buying a New Car

Things to keep in mind when buying a car Buying a new car is an exciting time - but it can also be stressful. After all, you're trying to get the best deal on price, while also deciding on the make, model and features...

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Spring Into Home Maintenance Mode in Georgia

Spring is a time for rejuvenation, and, as the weather gets warmer here in Lawrenceville, Georgia, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for...

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What is a Return-to-Work Program and is it Right for Your Business?

According to the Workers Compensation Research Institute, employees who are disabled for longer than six months have less than a 50% chance of ever returning to their job. If they are off work longer than a year, the...

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5 Reasons you need Workers Compensation Insurance for your Georgia Business?

You can be held liable for any employee accident or injury that occurs at your business or on a job site. The State of Georgia requires all business owners with 3 or more employees to purchase a workers compensation...

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Have You Considered GPS Tracking for Your Business Vehicles?

There are many advantages to installing a fleet monitoring system, such as GPS tracking devices, into your fleet of business vehicles. In fact, monitoring the driving patterns of your organization's employees is one of...

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Taking a spring break? Keep your home safe while you’re away

For many, the winter months are a welcome time to escape the short days and chilly temperatures by heading on vacation to Florida or beyond. And is there a better way to celebrate the end of winter than to take a spring...

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How to Create Your First Garden This Spring

From genetically modified crops to the environmental and health effects of pesticides, more and more Georgia residents are questioning whether they should grow what they eat. Wherever you stand on the issues surrounding...

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Tips to stop driving distracted

Avoiding distractions while driving could save your life You've seen them on the roads; you might even know a few of them. And you could be one yourself. Distracted drivers come in all shapes, sizes, ages and...

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Protecting Your Business’s Income

Insurance is generally purchased to protect against building loss, loss to contents or liability losses. Unfortunately, it is the intangible exposures that we do not see and do not prepare for that ultimately can have...

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Now’s the Time to Buy a Long-Term Care Policy

Have you thought about what would happen to you if you either needed to enter a nursing home or required home care services? As nursing care costs continue to rise and the need for care increases, there is never a...

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Helping Seniors Have a Wonderful Winter

Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in Georgia, it may be a good time of the year to provide...

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Much of your home’s value is what’s inside

There's a popular saying that goes like this: "Home is where the heart is." That saying rings true for many who find "home" a safe haven and a place to cherish, convene with family and friends, raise children, cook...

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After School Safety

After School Safety Tips for Parents and Kids Parents, class is back in session in Dacula, so you've likely already reviewed the basic safety tips for kids who walk or bus to and from school. Those tips, of course, are:...

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Backpack Safety

5 Tips to prevent Backpack Overload Each year, tens of millions of kids head off to school with backpacks full of books and supplies, according to the American Occupational Therapy Association. Thousands of those kids...

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The Right Tires for Winter Driving

It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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Teen Driving Safety

Talking to your Teen about about Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:...

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Which room is the most dangerous in your home?

We all feel pretty safe at home, right? But there's one room that's more dangerous than all the others. Any guesses which one? It's not the one where the pots simmer on the stove. Or where knives are part of the...

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Turkey Fryer Safety

5 Tips for Deep Frying a Turkey This Thanksgiving Those in Georgia who have tasted deep-fried turkey usually say there's simply no comparison to an oven-roasted bird - turkey out of the fryer is moist, with crispy skin...

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Giving During the Holidays Without Getting Taken

Giving During the Holidays Without Getting Taken Every year during the holidays, people in Dacula, Georgia look for ways to give gifts, not just to family and friends but to those less fortunate. It's the spirit of the...

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Under the table: Tips for feeding your pets during holiday dinners

You stopped feeding your dog under the table in grade school, right? Okay, honestly most of us can't resist sharing scraps with our pets when they beg - they're family, after all! But we all know human food isn't always...

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Pet Holiday Safety

Holiday Safety Tips for Georgia Pets The holidays have arrived in Dacula and Lawrenceville! For those with one or more four-legged friends in the house, it's time to go over some safety tips. After all, you want all of...

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Winter Tire Tips

Do You Need Winter Tires? You know it's coming. Freezing rain. Black Ice. Maybe even snow and slush. Remember Atlanta's snowpocalypse? But do you know if your tires are ready for all of that? When driving in Georgia in...

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Holiday Safety Tips for Your Four-Legged Friends

As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Talk to your teen about the dangers of texting behind the wheel

Mobile technology has contributed a slew of benefits to our 21st Century world, but the shift to cellular technology has come at a price. An average of 11 teens every day in the U.S. become another tragic statistic of...

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Make Home Safety a Priority While You’re Away for the Holidays

The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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Should you purchase life insurance for your college-age child?

Co-signing student loans for your child? You may want to consider a life insurance policy as well. As the cost of a college education continues to climb, many parents today are co-signing student loan agreements. But...

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‘Tis the season … for identity theft

Identity theft is a year-round problem, but crooks shift into high gear during the holidays. Whether you like to shop online or at the Mall of Georgia or Lenox Mall, here are some easy and effective ways to help...

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A Little Extra Caution Can Go a Long Way While Driving at Night

While fall and winter have their own pleasures, including SEC & NFL Football #UGA #RiseUp, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even...

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Emergency Kit Preparedness

What you need in an Emergency Kit You never know when a natural disaster is going to hit Buford or Dacula - or even just a big storm that knocks out the power for a few days. That's why having an emergency kit for you...

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Have a happy (and safe!) Halloween

Halloween is one of the most fun holidays of the year for children of all ages. But it also can be deadly. Did you know that on average, children are more than twice as likely to be hit by a car and killed on Halloween...

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Halloween Safety

5 questions to ask to keep your haunting brood safe on Halloween Despite the fact that Halloween in Dacula involves walking around at night amongst ghouls and witches, it really only takes a little common sense to make...

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Essential Safety Tips for Nighttime Boating

If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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It’s time to start winterizing your home and yard

It will not be long before you feel the chill of winter approaching. Is your home ready? The good news is that winterizing your home does not have to be costly or time consuming. With a free afternoon and a little elbow...

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Why do I need to do a Home Inventory?

Let's try a little exercise: Can you list everything you own from memory? Didn't think so. The fact is most people own more things than they realize. It's easy to remember the cars, the computer, the TV. But what about...

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Driving a Convertible

Put the top down and hit the road in Georgia - The call of the open road is at its strongest during the summer - and so is the call of the convertible. If you're one of those drivers who has long dreamed of dropping the...

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Disability Income Insurance – Are You Prepared?

Take a moment and think about your family and what you might do if your income stopped tomorrow. Would you be able to pay for your son's field trip or your daughter's dance classes and still make your house payment? How...

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How to Use Life Insurance for Estate Planning

Did you know that life insurance can be used as a tool in estate planning? By purchasing a permanent life insurance policy, you can provide immediate, tax-free money to your beneficiaries - and ensure that they have the...

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How to plan an evacuation route

Well before a disaster strikes, you should be thinking about your evacuation plan. Where will you go and how will you get there? How will you stay in touch? Who will know where you are? An evacuation plan that is...

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5 Tips for Organizing Your Home for the New School Year

Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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Do I need Life Insurance?

It's estimated that less than half of U.S. households have life insurance. Yet without this important safety net, many families would struggle financially after the death of a loved one. How do you know if your family...

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Do I need long-term care insurance?

Should you purchase long-term care insurance? The decision depends on a number of factors, including your age, gender, health status, income and assets. Here are some of the most important factors to consider, according...

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Why you shouldn’t purchase insurance from a 1-800 number

In a hectic world, it can be tempting to try and save time and money by purchasing insurance through a 1-800 number or a web page. But do you really know who is on the other end of the phone? Do they really care about...

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What is the difference between Comprehensive and Collision Insurance?

Have the two "C"s of automobile coverage stumped you? If you buy car insurance, you'll want to understand the differences between comprehensive and collision coverage. Collision coverage applies to damage incurred when...

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What is personal liability insurance for homeowners?

As a homeowner, you're liable if someone is injured on your property. Luckily, some simple steps - and a dose of caution - can go a long way toward avoiding a liability claim. Here are some areas you'll want to pay...

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Protect Your Most Cherished Possessions

If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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4 Back to School Preparation Tips

It seems like last week that kids were celebrating the start of summer. It's time to begin the transition to a new school year in Lawrenceville, Grayson & Dacula. The following are some helpful tips to help your...

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Celebrate National Night Out With Your Neighbors

In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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Have a child in college? It's a great time for an insurance review

Students who reside off-campus may not be fully covered under their family's homeowner's or renters insurance policies and should consider acquiring their own renters insurance coverage. And whether a student lives on-...

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Tips for College Bound Students

Whether your child is returning to college or starting their first year, it is an exciting and stressful time for you. You want to make sure everything is covered, from what you need to do before they go to what they...

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Make Recycling and Reducing Routine

"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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Keep your kids safe (and out of the ER) this summer

- With all the fun stuff there is to do when it's warm outside, it's no surprise that emergency room visits spike during the summer months. Each summer, hundreds of thousands of children end up in the ER for a variety...

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RV Gadgets

Useful tools to enhance your RV experience You know that taking to the road in your RV is fun - that's why you do it! But vacationing on the road can have its troubles, like dead batteries, flat tires and missed...

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It's Boating Season

- Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precaustions. Here are a few tips...

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Have you made your pledge to DIFF?

The vast majority of us have been there: Sitting in heavy traffic, tempers flaring and aggressive drivers cutting in and out of lanes. Now you have a chance to do something about it. Join Cowart Insurance Agency and...

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Keep your home safe while you’re on vacation

Planning a getaway? Whether your destination is Disney World or a secluded spot in the North Georgia Mountains, there are some things you can do to keep your home safe while you're away. Don't worry, none of them...

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Help curtail aggression behind the wheel

Join Cowart Insurance and Safeco Insurance in taking a pledge to be a more courteous driver in Drive It Forward Fridays (#DIFF) Summer travel season has started, and you have a chance to help make driving in and around...

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The truth about distracted driving

- For example, many drivers now use hands-free devices to talk on the cell phone while driving. But studies show that these devices don't eliminate - or even substantially reduce - the type of cognitive distraction...

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A deadly driving season for teenagers

- Did you know that Memorial Day marks the start of a period known as the 100 deadliest days for teens on the roads? Each year, from Memorial Day to Labor Day, thousands of teens are injured or killed in driving...

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Hurricane season starts June 1. Are you ready?

You've probably heard that experts are predicting a below-average season, with only about three to five hurricanes. But just because there may be only a handful of hurricanes this year doesn't mean they don't have the...

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Kids moved back in? Added a roommate? Time for an insurance checkup

Do you have more people living in your home these days? Over the last several years, many people have added roommates to help pay the bills or had their adult children move back home. If other people have moved into...

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Boat Trailer Safety

Top Tips for Boat Trailer Safety There are many reasons to love the sport of boating - it can be relaxing, exciting, entertaining and even rejuvenating. But hauling a boat on a trailer and launching it at the busy...

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Tips for safe driving in your RV

With spring just around the corner, it's a great time for a "spring break" RV trip. Whether you're heading to North Georgia or planning your getaway a lot farther from home, you'll want to make the trip safely. At...

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Is a motorcycle right for you?

- As springtime approaches, you probably notice something in addition to the warm weather and blooming flowers: more motorcycles on the roads of Dacula, GA. Riding looks like a lot of fun, doesn't it? Just imagine...

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Do you need employment practices liability coverage?

You own a small business with only a few employees. Do you really need employment practices liability insurance? The answer is most likely yes. Called EPL for short, this is a vital coverage designed to protect your...

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Keep Water from Going Where it Shouldn't

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Cowart Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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Does your business have a preparedness plan?

Does your business have a preparedness plan? It's estimated that two-thirds of businesses have no plan in place in the event of a major business disruption or disaster. That's part of the reason that it's estimated that...

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Commercial Umbrella Insurance

If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not....

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Boat Pre-Season Check

Get started early to get your boat ready for summer If you love the water, few things are better than boating season. Summer just wouldn't be summer without spending those long, hot days on Lake Lanier, Lake Hartwell or...

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Do you need a commercial auto insurance policy?

You run your own business. Do you need commercial auto insurance? It's an important question. As a general rule, if your vehicle is being used for business purposes, you may need a commercial auto insurance policy. Do...

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Personal Umbrella Insurance

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy. Georgia residents - What's Peace of Mind Worth...

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Create a survival kit that will sustain you if disaster strikes

In creating a survival kit, think about what you would need if you were stranded away from home for three to seven days. Prepare your kit well in advance so that if you have to evacuate quickly you are able to take your...

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Parents play big role in keeping teens safe behind the wheel

Teens are bad drivers, right? They text behind the wheel, speed to impress their friends and barely pay attention. Or so the stereotype says. But parents can help their teens rise above the stereotype and stay safe...

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Staying safe on, around motorcycles with these tips

Did you know that motorcyclists are about 37 times more likely to suffer a fatal accident than those driving cars? It's true. But both types of drivers can do their part to reduce the number of deadly motorcycle...

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Safeco honors Cowart Insurance with Key Agent Award

Safeco Insurance® honors Cowart Insurance with the Safeco® Key Agent Program Cowart Insurance has been selected for membership in the Safeco Key Agent Program, which recognizes performance and partnership. Fewer than...

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Should you refinance your car?

Should you refinance your car? Refinancing isn't just for homes. Refinancing your car loan can save you a lot of money, too. Here's how to refinance the right way: Compare interest rates. If the rate on your car loan is...

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The biggest issue facing business leaders today

What's the biggest challenge for business owners and managers in the U.S. today? If you guessed uncertainty, you are correct! That's why the right business insurance coverage is so important. The right types and amount...

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March 31 is the Final Deadline to Secure Health Insurance in Georgia

While many deadlines in the Affordable Care Act (also known as Obamacare) are constantly changing, causing plenty of confusion, there is one that is currently set in stone: March 31, 2014. The Affordable Care Act...

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Keep Kids safe on their cell phones

Your Child's safety is always on your mind. Most have thought to change their kids privacy settings on Facebook, Twitter, Instagram and other social media. Did you know that you need to be worried about the settings on...

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Home Security Tips

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Spring Daylight Savings

Daylight Savings time is also Daylight Safety Time. - In most places in the United States, March 9th is Daylight Saving, when clocks are moved forward one hour. We here at Cowart Insurance want to remind you it's also a...

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Wait to Text - W82TXT - Distracted Driving

Distracted Driving - Independent agencies representing Auto-Owners Insurance across the country are joining together to share the importance of not texting while driving with their communities. Driver distraction...

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Have some new Jewelry in the House? Protect it!

Ah, Valentine's Day and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say "Be Mine" - and, of course, jewelry. It's exciting to receive jewelry from a...

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Work at Home? What you need to know about insurance

It's estimated that more than half of all U.S. small businesses operate out of someone's home. Housing a business in your basement or using your garage as a warehouse can be a great way to launch a business or save...

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How energy efficient is your home?

How energy efficient is your home? Here are several of the most effective ways to save energy - and money - at home. Have you taken these simple steps to becoming a more 'green' homeowner? Change your light bulbs....

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Five Sure-Fire Ways to Get Your Car Stolen

Most people would say their car is one of the most valuable assets they own - if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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It's time for your company's annual insurance review

Setting aside the time for an annual insurance review is a great way to make sure you have the right coverage in place for your company. In the business world, things can change quickly, leaving you without enough...

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Parents play a big role in keeping teens safe behind the wheel

Teens are bad drivers, right? They text behind the wheel, speed to impress their friends and barely pay attention. Or so the stereotype says. But parents can help their teens rise above the stereotype and stay safe...

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How to protect your home from Freezing Pipes in Georgia

Are you thinking what we are thinking? We live in south and it will be how cold tonight? The weather agencies are predicting record breaking cold tonight. Many are saying that we will see wind chill factors below zero....

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Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Your not Made of Money - Why buy Life Insurance?

Adding another expense to your monthly bills not ideal? What would you trade in order to be able to get life insurance? It may be less than you think... such as just one of these things: Snacks at the movies One...

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Make Sure Your Pets Travel Well for the Holidays

The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of Georgia. If you are gearing up to travel and...

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Healthy Holiday Tips

Be the pinnacle of health and wellness this holiday season - It goes without saying that keeping yourself and your family healthy through the holiday season in Braselton or Hoschton can be a challenge. When you...

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How do you keep your phone charged in an emergency

5 ways to keep your phone charged in a power outage In our increasingly digital world, a mobile phone or other portable device is often a one-stop communication device. Phone calls, text messages, social media and even...

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Confused about getting Health Insurance in Georgia?

Health Insurance is a huge issue lately. There are so many terms being thrown around these days: Obama Care, Affordable Care Act, The Market Place, Subsidies or Patient Affordable Care Act. What do all of these mean to...

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Looking for ways to save on your Energy bill?

Tis the season when we start cranking up those thermostats! It is also the time of the year that we experience higher power and gas bills. Are you looking for ways to save in Braselton or Hoschton, Georgia for the new...

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How to Fry a Turkey

Planning on frying a turkey this Thanksgiving? If you've ever wondered what could (spectacularly) go wrong, watch this video before you dunk that bird in hot oil.Keep you and your family safe this Holiday. Read and...

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5 Surprising Reasons You Might Want Life Insurance

Do you think life insurance is just for married couples with kids? Think again. Here are five reasons for why you might want to buy a life insurance policy: You have student loans. Even though some student loans...

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Private Health Insurance in Georgia

Health Insurance is a huge issue lately. There are so many terms being thrown around these days: Obama Care, Affordable Care Act, The Market Place, Subsidies. What do all of these mean to you here in Georgia? Do you...

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Health Insurance today in Georgia

Are you looking to purchase Health Insurance in Georgia? Have you tried to figure out which plan might be a good fit on HeathCare.gov? Have you received a letter from your current insurance company that is cancelling...

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Make Football Season Fun and Safe

Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Georgia. Football brings with it a whole host of seasonal activities...

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A Different Season Means Different Dangers For Motorcyclists

Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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Why Life Insurance ? - A Poem for your family....

Life Insurance You and I have a purpose in this world, that when broken down are quite similar. It is your job to provide food, clothing, shelter, Schooling, medicine and other necessary things for you And your loved...

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How to prepare for a Hurricane

The process of forecasting the force and track of a hurricane is a very complicated process. It takes a collaboration of methods. The National Hurricane Center uses hurricane hunter aircraft, ocean buoys, Doppler radar,...

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No Text is Worth the Risk

Cowart Insurance is committed to being a positive contributor to public safety in our community. This video is powerful in the way it demonstrates what can happen if you text and drive. We should all be more mindful of...

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Disaster Planning - Inventory your important possessions

In the event of severe damage to your home or business, having a current inventory of your possessions - including their make and model numbers - can help you get your insurance claim settled faster, verify losses for...

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Welcome Fall & We are on Google+

What social media are you using? We are on Facebook, Twitter and Google+. Come join us! Come join us on Google+! Photo Source: Pinterest

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Disaster planning - it is never too early to start

The best time to think about a natural disaster is when there is not one in sight and you can undertake effective planning without stress. Start by getting organized and doing simple tasks. Download our disaster...

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If disaster is imminent - how do you prepare?

If you hear that a severe storm or another type of natural disaster is headed your way, there are precautions you can take to help your family and your business be prepared. If you are ordered to evacuate, do so. If you...

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Its 2013 Hurricane Season: Are you prepared?

According to the National Oceanic and Atmospheric Administration's (NOAA) Atlantic Hurricane Season Outlook there is a 70 percent likelihood of 13 to 20 named storms (winds of 39 mph or higher), of which 7 to 11 could...

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Tailgating Safety Tips

Who is thrilled that is it finally football season! Whether you cheer for College or NFL Football tailgating is serious business in Georgia. University of Georgia football and The Atlanta Falcons season brings the haze...

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When Things go BOOM in the Night - Fireworks Safety

For most of us, Labor Day is a time to enjoy the company of family and friends, having fun and creating memories - whether at home or away. It is a fun time to celebrate the end of summer or the beginning of the new...

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Labor Day Grilling Tips

Americans enjoy more than three billion barbecues each year. But barbecuing can be dangerous, even deadly, if you are not careful. The following tips can make your grilling experience safer: When ready to barbecue,...

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Flood Insurance - What You Should Know

You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that a standard Home Insurance policy in Georgia doesn't cover flood damage. At Cowart Insurance we want you...

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How Much Life Insurance is Enough?

Life Insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that offer benefits while you...

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Back to School Safety

As kids head back to school, let's keep them safe The end of summer means many things, such as cooler weather, shorter days and ... the start of football here in Georgia! But most important, it means kids are headed...

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Auto-Owners Insurance Company – A.M. Best Rating 2013

We are pleased to announce to you the A.M. Best Company has affirmed the financial strength rating for Auto-Owners Insurance Group (AOIG) of A++ (Superior), A.M. Best's highest rating available. This is the 41st...

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Glossary - Understanding insurance terms

We at Cowart Insurance Agency know the language used by the insurance industry can be confusing. We want to make sure that you clearly understand your options and know precisely what you're paying for. Here are some...

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A Few Tips for the College-Bound

College is expensive enough without the added cost of unexpected accidents or theft, not covered by your insurance policy. If you have a student heading away to school, below are a few tips to help you get the most out...

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Travel Tips for Kids

Car Safety Tips for Your Children Owning and operating a car is a big responsibility. This is only heightened when you have children along for the ride. Making sure their needs are met and that you pay attention to the...

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Keep your pets safe during the Fourth of July Fireworks

For most of us, the Fourth of July is a time to enjoy the pyrotechnics that mark the holiday. But for our pets, fireworks are another story. Many pets can be traumatized by the noisy rockets and firecrackers so many...

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Summer Pool Safety Tips

- Summer is a fun time to socialize with family and friends. For many, there is nothing that says summer quite like a pool party. If you have just installed a swimming pool, you will hopefully have updated your Metro...

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Summers mean backyard grilling - Safely!

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling is not just about great food. Backyard barbecues often create treasured memories with friends and family. Keep in mind, however,...

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Time to Honor Dad

With summer drawing near and the weather warming up, Atlanta, Georgia neighborhoods come alive with the sights and sounds of the season: lawnmowers, power tools and backyard barbecues. For many people, those things...

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Do You Own a Classic Car of the Future?

There is nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette...

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Packing your Car for Travel

Are you thinking about road tripping? Your family may enjoy the open road and some quality time together, but first things first. Packing all of your suitcases and other essentials in your car or SUV is what makes your...

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College Graduation Insurance Tips

- Protect your college graduate with the right insurance - College graduation is an exciting time for students and their parents alike. And, while it's easy to be immersed in graduation parties and focused on first-job...

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Prom and Graduation Safety

- Teen driving tips to keep prom and graduation safe - High school is full of defining moments for Georgia teens and two of the highlights for most are prom and graduation. However, this time of year often sees other,...

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New Home Purchase - What are my options?

You've selected your dream home and now it's time to get everything ready for closing. The next important decision is choosing your home insurance. Here are some things to consider as you evaluate your options. How...

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8 Easy ways to save money on Car Insurance

Are you wasting money on your auto insurance? There's a good chance the answer is "yes"! It may not be because you are a bad driver or are a high risk, but because you overlook some easy ways to save. Some of the best...

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A Time to Celebrate Mothers

As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Cowart Insurance, we thought it would be fun to give you a...

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Shedding Light on Car Insurance Savings

It can be easier than you think to put the brakes on high auto insurance rates - as an independent agency, Cowart Insurance can help! We can review your policy and possibly help you find a variety of illuminating ways...

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Advantages of Whole Life Insurance

When looking at your life insurance needs in the Atlanta, Georgia area, whether your goal is to replace income, send kids to college or take care of final expenses, whole life insurance can provide certainty and peace...

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Gear up for motorcycle season

Those lazy days of summer will be here soon. The weather is getting warmer. If you're like most bikers, you're gearing up to hit the open road. Before you get your motor running, be prepared. There are many specialized...

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It's Time for Spring Cleaning!

Spring is a time of new beginnings in Dacula, Buford, Suwanee and Hoschton, Georgia - and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at...

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Lessons of Super Storm Sandy

Our hearts go out to everyone dealing with the challenges and hardships of the after-math of Superstorm Sandy. Luckily, catastrophes like Sandy don't happen very often. When they do, the vivid lessons they offer help...

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5 Year Simple Issue Term Insurance vs. Credit Life

5 year Simple Issue Term Life Insurance is a much better buy than Credit Life Insurance Many people purchase items such as Cars, Boats, Motorcycles, Recreational Vehicles, and furniture on credit. Some take out loans to...

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Get ready for Bike Season in Six Simple Steps

There's nothing like cruising down the open road on your motorcycle - the wind in your hair and a few bugs in your teeth. Before you hit the highways this season, make sure your insurance policy is up to speed so that...

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Get Ready to Safely 'Spring Forward'

Daylight Saving Time begins Sunday, March 10, 2013, for most places in the United States, so don't forget to set your clock forward one hour. We here at Cowart Insurance want to remind you it's also a great time to...

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Safeco Insurance 25th Anniversary Award

Cowart Insurance Agency is proud to have been able to represent Safeco Insurance Company for 25 years. This week Lori Stewart, Territory Manager for Safeco, presented Keith Cowart with an award to commemorate his 25th...

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Have some new jewelry in the house? Protect it!

Ah, Valentine's Day is here, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say "Be Mine" - and, of course, jewelry. It's exciting to receive jewelry...

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Be the Pinnacle of Health & Wellness This Winter

It goes without saying that keeping yourself and your family healthy through the winter months in Atlanta can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around colds...

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Learn the Facts, Then Consider Flood Insurance

Have you considered buying flood insurance? Before you answer "no" and add, "Why would I need that?" or "I don't live anywhere near a river!" you should know that many home and business owners have offered similar...

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How to Handle an Unexpected Water Leak At Home

You come home after a long day and the only plan you have for the evening is to have a relaxing night at home. But when you open the front door there is water all over the floor and you hear water running from the...

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Tips for Preparing for Your Holiday Driving Trip

Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in...

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Tool box, Custom Paint Job: Are They Covered?

Have you recently added any permanently attached equipment to your vehicle like a toolbox, ladder rack, or cleaning equipment? Or did you recently get a custom paint job or vehicle wrap to advertise your business? If...

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Use Life Insurance to Leave a Legacy

Year after year, studies show that Americans give more to charity than the residents of most other countries. We care about our communities and our fellow citizens, and we express that conviction with our donation...

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Covering Children on a Personal Auto Policy

As parents break away from their hectic summer schedules, thoughts begin settling into the routines of fall and a new school year. One of those should be to make sure you and your children are properly covered in the...

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Apartment/Condo Maintenance Funds Necessary

One of the primary functions of commercial property insurance is to provide financial means to repair buildings that are damaged due to catastrophic losses such as wind and hail storms. Commercial building insurance...

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