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Atkinson Casey Agency

Monroe Office
702 E. SPRING ST.
Monroe, GA 30655

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Greensboro Office
114 E. BROAD ST.
Greensboro, GA 30642

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Add-ons you should consider for your auto insurance

Auto insurance is required to drive a vehicle in Georgia. Liability coverage is the only requirement unless you have a car loan or are leasing, in which case you need collision and comprehensive coverage. But there are other add-ons that you may want to consider. At Atkinson Casey Agency in Monroe, GA, our team will work with you to ensure you have the right auto coverage. 

Gap coverage

When you own a new car, you probably have an auto loan. Depending on what you had for a down payment, you may have a considerable vehicle loan. The insurance company will give you the car’s value, which depreciates almost the second it leaves the dealership. If you owe more than they pay, this insurance covers the gap. 

Roadside assistance

Roadside assistance provides a safety net when you are out on the road. You can call for help if it is needed. Some of the services it supplies are tire changing, battery jumping, and towing if you break down. The vehicle can also be opened if you lock your key inside.  

Full glass

Comprehensive coverage provides glass coverage, but a deductible must be paid. When you have full glass coverage, there is no deductible to meet, making it affordable to get the repair you need. 

Rental car

Rental car coverage is not for a vacation or business rental car but for a rental car to be used when your vehicle has been damaged by an accident or something beyond your control. This can be a great help while your vehicle is being repaired. 

Contact the team at Atkinson Casey Agency in Monroe, GA, for all your auto insurance needs. We are independent insurance agents and provide more choices and competitive rates. 

How 2024’s Commercial Insurance Trends Influence Premium Prices

Commercial Insurance Outlook for Business Owners in 2024

As a business owner, you undoubtedly wish to protect your commercial assets. Our team at Atkinson Casey Agency, located in Monroe, GA, is eager to assist you with your commercial insurance requirements. To envision what 2024 will bring, reviewing the recurring trend of premium price increments witnessed in 2023 is crucial.

Impact of Weather-Related Damages on Payouts

One of the principal influences on policyholder premiums is related to climate anomalies and natural disasters. Bloomberg Insurance reports that 2023 marked the fourth consecutive year of escalated insurance payouts for weather-related property damage, mandating a rise in policy costs. Escalation in building material costs and construction workers’ wages further inflated these costs. Consequently, businesses might face a shortfall in claims payments, leading to increases in out-of-pocket expenses during attempts to replace damaged property.

The Importance of Accurate Property Value Estimation

Such factors might coax businesses into choosing policy amounts lower than their actual future property value, which could backfire. Under the influence of escalated premium rates, a firm might undervalue the future worth of their property, consequently procuring lesser policy value than needed. In these cases, it is best for businesses to consult their insurance agents, who are well-versed in these trends and can assist in generating realistic estimates for coverage.

Schedule a Consultation Today

Business owners in Monroe, GA, should recognize the need for frequent evaluations of their insurance needs in view of these trends. At Atkinson Casey Agency, we’ve been studying patterns like these and are ready to assess your current business status and aid you in contemplating your options. To discuss your commercial insurance needs with our expert team, give us a call today.

Will homeowners insurance cover my broken mailbox?

Homeowners’ insurance has many benefits. It can provide protection for your home, your interior and exterior structure, personal belongings, and more. However, the terms of coverage are always clearly outlined so that homeowners understand what’s covered and under what circumstances something is covered. Our team at Atkinson Casey Agency understands that understanding homeowners’ insurance can be confusing. We’re committed to helping Monroe, GA residents understand homeowners insurance better. 

What is homeowners insurance?

In short, homeowners insurance is property insurance with different areas of bundled coverage that all fall under the term "homeowners insurance." This means that your home’s structure is covered, both inside and out, as well as your personal belongings. Also, any structures on your property are covered as well. Liability coverage is also a benefit of homeowners insurance. This provides protection for you and also covers any injuries or property damage others may sustain while visiting your home. Liability coverage can also cover other people’s property that you may accidentally damage while driving your car. Some policies may also cover damage your dog may cause to others if he or she bites or attacks them. 

Will homeowners insurance cover my broken mailbox?

Maybe. Your homeowners’ insurance will cover the repair of your damaged mailbox if it’s damaged as a result of a situation or circumstance that falls under the terms and conditions of your policy. Not all situations will fit your terms and conditions. For example, if you hit your own mailbox, it’s possible that your homeowners’ insurance won’t pay for its repair. An incident like this may be considered negligent. However, the exact terms of your policy will have to be explored to determine if the repair of your mailbox would be considered a covered event. An insurance agent would be able to determine if your damaged mailbox will be eligible for repair.

Schedule A Consultation Today

If you have questions regarding home insurance, we’d be happy to answer them. Call us at Atkinson Casey Agency. We serve the greater Monroe, GA area. 

Liability Coverage Basics For New Drivers

Liability insurance coverage pays for the expenses that another driver incurs if you are involved in an accident. Review some of the requirements that you need to follow when insuring your vehicle for the first time. 

Liability Coverage

Liability insurance coverage is the minimum amount of coverage that you must have in order to legally drive your vehicle. Liability insurance protects you from being sued.

It ensures that another driver who was a victim of an accident that you were responsible for is compensated for their losses.

Getting Started

Atkinson Casey Agency, serving the greater Monroe, GA region, can help you obtain the coverage you need. New drivers must follow the same insurance guidelines as experienced drivers.

If you are unfamiliar with the steps that need to be taken to purchase insurance, you have nothing to worry about. Our agents will ask you some questions during your consultation. We will inquire about your driving experience and the vehicle that you plan on driving.

Your Responsibilities

After you have completed the preliminary consultation, the agent will prepare your insurance paperwork. Each agent who represents Atkinson Casey Agency will provide a client with an overview of what their insurance will cover.

We will also go over the steps that a client should take if they are involved in an accident. If a vehicular accident occurs while you are driving, it is your responsibility to contact an agent.

After you have contacted an agent, the incident will be documented. The documentation will allow the agent to prepare the claim paperwork that must be filed.

Consult With Us

Atkinson Casey Agency in Monroe, GA is here to assist if you have any questions about your policy. We will provide you with all the information you need.

Insurance Protection for Heavy Equipment and Commercial Vehicles

Atkinson Casey Agency is proud to serve the commercial insurance needs of the Monroe, GA business community. If you have questions about how to protect your company’s heavy equipment and commercial vehicles, we’re here to help. Give us a call today to schedule a consultation. We’re here to help you meet all of your commercial insurance needs now and in the future.

Protect Your Heavy Equipment and Commercial Vehicles Today

If your company’s assets include heavy equipment and commercial vehicles, it’s important to have adequate coverage for these items. A basic property insurance policy might not be enough coverage for these heavy-duty items. Every business can benefit from sitting down with a local commercial insurance agent to review the policies currently in place and to determine if there are any gaps in protection.

When your business owns or leases expensive assets such as commercial vehicles and heavy machinery, it’s important to confirm that they’re well protected. Commercial vehicles are often the lifeblood of many different types of businesses, and when they’re out of commission, a firm’s bottom line can suffer. The more knowledgeable you are about the available options, the better able you’ll be to choose an appropriate policy. Don’t wait until you suffer a catastrophic event to find out that the commercial policy that your company has in place is inadequate for its needs.

Schedule a Consultation Today

If you own or operate a business in the greater Monroe, GA area, you can turn to the team at the Atkinson Casey Agency for your commercial insurance needs. Contact us today to schedule a consultation to learn more.

What is Guest Medical Coverage in Home Insurance?

At Atkinson Casey Agency, we want to provide quality home insurance to the people of Monroe, GA. Part of our comprehensive strategy includes the use of specific home insurance policies such as medical protection.

What is Guest Medical Coverage?

This is a form of insurance that pays for a person’s medical bills, especially after an accident or a personal injury has occurred at the insured client’s home. As a homeowner, you’ll know that purchasing homeowner’s insurance is just one of your many responsibilities. If a visitor experiences physical harm at somebody’s home, then the homeowner could be liable in a legal court case. The injured party might ask you to pay for medical bills or additional costs. Medical bills are expensive, with some costing beyond $10,000 in extreme cases. It helps to have a home insurance plan that provides for guest medical expenses as well as homeowner’s liability.

Should You Get Guest Medical Coverage?

Some homeowners like to throw house parties and invite guests over. If you plan on having many guests at your home, then yes, you should get guest medical coverage as well as liability coverage. When shopping for insurance, be sure to ask the agent about any policies that are a part of the homeowner’s insurance plan – including medical expenses. Having guest medical coverage will provide you peace of mind and provide guests with a sense of financial assurance.

Guest Medical Coverage in Monroe, GA

If you are interested in purchasing guest medical coverage, then feel free to get in touch with our team at Atkinson Casey Agency. 

Review Your Auto Insurance Policy for Important Updates

If you’ve had your auto insurance policy for a while and you haven’t made any changes to it, reviewing it with your agent is the right choice. At Atkinson Casey Agency we help clients in the Monroe, GA area get the quality and value they need and deserve from their insurance coverage. We can answer questions and present options, so you can decide whether the policy you have now is right for your needs.

Reviewing Your Auto Insurance Policy 

Typically, it’s a good idea to review your auto policy at least once every year. That ensures that you’re getting the best coverage for your needs and that you have an insurer that’s protecting you adequately and with the value you expect. A lot of people don’t review their policies, though, and just let them renew without any changes. If you do that, you could miss out on valuable adjustments that could provide more protection for your vehicle and the people in it.

Additionally, you should work with your agent on a policy review if you have changes in your household at any time during the year. Adding or deleting a driver, moving, changing your marital status, getting a different vehicle, and other big changes should be handled when they happen, not at standard policy renewal times. Reaching out to an agent gets the change taken care of quickly and efficiently.

Consult With Us

If you’re in the Monroe, GA area and in need of a review of your auto insurance policy, reach out to us at Atkinson Casey Agency today. We’ll work with you to make changes to your current policy or find you a better one, so you can have good coverage and plenty of peace of mind. There’s no reason to keep the same insurance when there may be better options for your needs.

What Types of Operations Necessitate Additional Business Coverage?

Entrepreneurs who have opened businesses in Monroe, GA, and surrounding areas, know that they must protect their operations through commercial insurance. However, many operations need more than one type of coverage. The professionals at Atkinson Casey Agency can advise business owners on what policies they need to protect their companies and employees fully.

Going Beyond General Liability and Workers’ Compensation

General liability and workers’ compensation are essential policies for all business owners. For some small business owners, these two types of commercial insurance suffice. However, keeping records with sensitive client information may require cyber insurance to protect your company from data breaches. If you own a fleet of vans, you may need commercial auto insurance. The list of business insurance types is extensive and can be confusing. You may think an umbrella policy will cover all risks, but chances are, it will not.

Other Types of Insurance to Consider

In addition to data breaches, the most significant types of risks that businesses face are property damage, human capital costs, building projects, and professional service mistakes. Among the types of insurance policies to consider are:

• Product liability

• Risk management

• Professional liability

• Business income

• Commercial property

• Employment practices

• Contractors’ insurance

Many different types of insurance policies exist. In some instances, company owners can bundle different policies to provide comprehensive coverage for whatever risks you may encounter.

Get the Right Coverage for Your Unique Needs

If you need clarification about what types of commercial insurance you need for your business, let the professionals at Atkinson Casey Agency in Monroe, GA help. Contact us today to get started on your commercial coverage. We will give you sound advice on the types of policies and overage levels your business needs.

Is An In-ground Pool A Good Investment?

When considering upgrades to your home, you need to think about the return on your investment. Remember a ROI doesn’t always just mean money, it can mean anything of value that you get as a result of your investment. In-ground pools are a popular addition to a property, but there are certain insurance considerations you should keep in mind. Here at Atkinson Casey Agency, serving the Monroe, GA metroplex, we want to help homeowners make smart choices about their homes.

Here’s more about in-ground pools:

Home Value and Quality 

Having an inground pool installed can increase your home’s value. If you ever plan to resell your home in the future, this might be an important concern to you. In addition to increasing home value, an in-ground pool can also improve your home’s value. Home value is different from home quality. Home quality is how you feel about your home and how much you enjoy spending time in your home when you are there. A pool is definitely one way to help you and your family enjoy their time at home more. 

Other Considerations

Although having an in-ground pool installed can definitely be thought of as a good investment, there are other considerations though. For instance, you should understand that having a pool on your property does change your homeowner’s insurance risks. There is more risk of injury and so your insurance would reflect that. You should talk with an insurance representative concerning how your insurance might change.

Reach Out To Us

If you’d like to learn more about homeowner’s insurance, please contact us at Atkinson Casey Agency today in Monroe, GA.

Tips to improve your gas mileage

Gas mileage is an important factor in your vehicle’s performance, as it has a direct impact on your wallet. Improving your gas mileage can be done in several ways, and it can help to reduce how often you need to fill up at the pump here in the Monroe, GA area. Here are some tips from us at Atkinson Casey Agency that can help you get more miles out of each tank of fuel.

Tips to improve gas mileage

1. Keep Your Tires Properly Inflated:

Keeping your tires inflated to the right pressure ensures that they contact the road properly. This reduces friction while driving, which helps to improve your car’s fuel economy. It’s also important to check your tires regularly for signs of wear and tear as these can have a negative impact on gas mileage too. 

2. Avoid Excessive Idling:

When you idle your car for too long, it burns more fuel than necessary. If you find yourself waiting for someone or something while parked, turn off the engine instead and restart when ready to go again. 

3. Don’t Carry Unnecessary Weight:

An extra 100 pounds in the trunk can decrease your vehicle’s efficiency by 2%. Try to avoid carrying around items that you don’t need regularly, as this will help reduce strain on the engine and improve gas mileage over time. 

4. Drive Smartly:

Avoid aggressive accelerations and sudden stops – use smooth motions when driving instead as they are less taxing on your vehicle’s engine and burn less fuel overall. Additionally, try not to drive more than necessary – walk or take public transportation whenever possible instead of driving yourself around town all the time! 

Reach Out To Us

For more tips, call us at Atkinson Casey Agency today. We are proud to serve the Monroe, GA area.

Partner Carriers


  • American Modern
  • Assurance America
  • Foremost
  • Gainsco
  • Hagerty
  • Insurance House
  • Nationwide
  • Progressive
  • Safeco
  • Travelers