Understanding Home Insurance and Attic Renovations Explore various attic improvements that may necessitate additional insurance coverage. At Client First Insurance Solutions, our agents will help you choose the right policy upgrades. Insulating Your Attic Installing new insulation helps maintain the thermal envelope of your attic, supporting energy efficiency and barring moisture entry. This preventive measure can significantly increase your home’s value. New Windows Add Value Adding windows to your attic adds aesthetic value and enhances your home’s security against burglaries. When deciding ..read more

The recent surge in devastating storms, natural disasters, and flooding has many Americus, GA residents thinking about how to weather the next severe storm. One of the best ways to ensure your family’s financial safety and security is to protect your interests with insurance coverage that helps to repair or replace essentials for your weathered home or automobile after a storm.  Umbrella insurance from Client First Insurance Solutions in Americus, GA, adds an extra layer of protection to your home or auto insurance policies. Why Do People Get Umbrella Insurance Policies? It extends the co ..read more

Your flood insurance policy will pay for repairing or replacing artwork and other valuables. In addition to relying upon the coverage you have, take measures to protect your assets. Use the following tips to preserve the condition of your belongings. Appraisal Seek an appraisal of paintings, jewelry, and other valuable items. The appraisal will determine the current value of what you own. Once you know the estimated value of your belongings, you can decide which possessions must be stored carefully. Protective Covers And Displays Purchase some protective covers and displays to house your ..read more

Protect your health with health insurance coverage. Client First Insurance Solutions offers health insurance coverage to consumers in Americus, GA. The following are four reasons why health insurance coverage is essential.  Getting treated for medical problems is important. Medical treatment that keeps you healthy is an absolute priority. Carrying health insurance prepares you for medical expenses that could come up and will absolutely require payment. Purchasing a health insurance policy is essential for achieving financial security regardless of your health problems.  Health i ..read more

Time’s running out for a February 1, 2024, effective date! Open Enrollment for 2024 closes at midnight on January 15th. Everyone has that one friend or relative who waits until the last minute. Tell them to call us at (229) 596-1002 to sign up and have coverage beginning February 1st. We promise not to call them a “procrastinator.”  Over 50 of our clients have been victimized by marketing schemes to steal their health accounts. We are working hard to come up with some recourse and protect you from surprises that leave you with high deductibles or prevent you from seeing your favorit ..read more

At Client First Insurance Solutions in Americus, GA, we place our clients first and foremost in our business, as our name implies. We offer more than 25 types of commercial insurance, but most companies need to start with one or two of the most common types. This article explores those insurance policies that nearly every local business needs. Business Owners’ Policies Most businesses begin their coverage with a business owners’ policy (BOP), a bundled policy that includes four types of coverage for a lower premium than buying them separately. A BOP includes liability, business interrupti ..read more

Home insurance is a must when protecting your family in case of disaster. If you are the victim of a fire or burglary, your insurance will help compensate you for the losses so you can move on. However, there are some limitations to how certain items may be covered. Client First Insurance Solutions in Americus, GA can help you understand your policy and whether you need more protection for some of your valuables. Your Homeowners Policy and Sub-Limits When you chose your homeowners policy, you agreed to a certain total amount of coverage. For instance, if your house and prop ..read more

Kirk Lyman-Barner, President of Client First Insurance Solutions has been selected by Ramsey Solutions (Dave Ramsey) to become part of the umbrella of insurance providers endorsed by RamseyTrusted. This means Client First has undergone thorough vetting and ongoing training and has earned the respect of RamseyTrusted. Kirk first discovered Dave Ramsey when he was working for Habitat for Humanity in West Virginia.  He worked with Financial Peace University (FPU) to eliminate his own debt and change his spending behavior, and he encouraged the prospective homeowners of Almost Heaven Habitat ..read more

Running a small business is a rewarding endeavor, but it also comes with inherent risks. Small business owners are constantly navigating various challenges, including legal liabilities, accidents, and unforeseen events that can result in substantial financial losses. To safeguard their Americus, GA businesses from these potential pitfalls, many entrepreneurs turn to umbrella insurance. In this article, we’ll explore the benefits of umbrella insurance for small business owners and when it makes sense to consider this coverage. Exceeding Commercial Insurance Limits Small businesses typically inv ..read more

By Kirk Lyman-Barner, President Client First Insurance Solutions Americus and Albany On the 10th Anniversary of the Marketplace, I am a bit nostalgic for the days when we had little competition from agents in the individual health insurance market. Without going into the politics of why that was, competition is very strong for agents offering Marketplace/Obamacare plans. Unfortunately, much of that competition is a scam that harms people. There are dishonest agents from outside of our community who are using websites and call centers to trick people int ..read more