Blog Articles

Cowart Insurance Agency

Hurricane Season Isn't Just for the Coast: Why Northeast Georgia Homeowners Should Review Their Insurance Now

When people hear “hurricane season,” many picture coastal evacuations, storm surge, and boarded-up beach houses. But tropical systems do not always stop causing damage when they move inland. — In Northeast Georgia, the more realistic concerns may be heavy rain, flash flooding, damaging wind,…

How Much Life Insurance Does Your Family Actually Need? Start With These 5 Questions

“How much life insurance do I need?” — It sounds like a question that should have a simple answer. — Multiply your income by a certain number. Choose a round dollar amount. Buy enough to pay off the mortgage. — Those shortcuts can be useful for starting a conversation, but they can also miss…

Has Anything Changed? 5 Insurance Updates Families Often Forget

As fall gets underway, many Northeast Georgia families are settling into a new routine. School is back in session. College students have moved into dorms or apartments. Summer projects may finally be finished. A new car may be sitting in the driveway. A teenager may be driving more often. Maybe…

The True Cost of Life Insurance: Why You Are Probably Overestimating the Price

Ask most people to guess the monthly cost of a basic term life insurance policy, and the answer is usually somewhere around $50 to $100 a month. — According to LIMRA's long-running Insurance Barometer research, more than half of consumers have historically estimated the cost of life insurance at…

Cyber Insurance for Small Businesses: What to Review Before a Breach

Cybersecurity is no longer just an IT concern. For a small business, a compromised email account, stolen password, ransomware event, payment-fraud attempt, or vendor breach can interrupt operations and create costs that reach well beyond the computer system itself. — That is why cyber readiness…

Deer Collision Season in Georgia

A deer can appear in the road with almost no warning. In Georgia, that risk becomes more noticeable in the fall as deer movement increases during breeding season and morning and evening commutes often overlap with the hours deer are most active. — Georgia's Department of Natural Resources says deer…