Hansi Holloway-Insurance Agent

01/23/2026

Public Service Announcement: Winter Storm Preparedness – Protect Your Home and Vehicle

As a significant winter storm approaches our area, now is the time to take proactive steps to protect your home, vehicles, and financial well-being. Severe cold, ice, snow, and power outages can lead to costly damage, much of which can be minimized with advance preparation.

Home Insurance Considerations

Prevent frozen pipes: Insulate exposed pipes, allow faucets to drip during extreme cold, and maintain adequate heat inside your home.

Prepare for power outages: Have flashlights, batteries, and a safe alternative heat source available. Never use generators or grills indoors.

Roof and exterior protection: Clear gutters if possible, and be mindful of ice dams, which can lead to interior water damage.

Know your coverage: Most homeowners' policies cover sudden and accidental damage (such as burst pipes), but neglect or long-term maintenance issues may not be covered.

Auto Insurance Considerations

Avoid unnecessary travel: Icy roads significantly increase the risk of accidents.

Park wisely: If possible, park vehicles in a garage or away from trees and power lines.

Coverage check: Comprehensive coverage typically applies to storm-related damage such as falling trees, ice, or hail—liability-only policies do not.

Emergency readiness: Keep a winter kit in your vehicle, including blankets, water, a flashlight, and a phone charger.

Documentation Matters
If damage occurs:

Take photos and videos as soon as it is safe.

Mitigate further damage where possible.

Contact your insurance professional promptly for guidance on next steps.

As your insurance broker, my role is to help you understand your coverage before a loss—not after. If you are unsure how your home or auto policy responds to winter weather, or if you would like a coverage review before the storm hits, I encourage you to reach out.

Stay safe, stay warm, and please do not hesitate to contact me with questions or concerns.

Hansi Holloway
Insurance Broker
Your advocate before, during, and after the storm

10/01/2025

🚨💥 HOLD ONTO YOUR HATS, CU***NG! 💥🚨

We’ve been NOMINATED AGAIN — and we’re gunning for a THIRD STRAIGHT WIN! 🏆🎉

This isn’t just a trophy. This isn’t just bragging rights. This is OUR COMMUNITY showing the world how strong, loyal, and AWESOME we are together. 💙

We’ve insured your homes, your cars, your dreams — now it’s time to INSURE OUR VICTORY!

Here’s how you can help:
🔥 VOTE DAILY — every. single. day.
🔥 Tell your friends, your coworkers, your neighbors, even your barista — basically everyone with a pulse!
🔥 Comment “VOTED” so we can shower you with virtual confetti 🎊💌

We love our community. We live for our clients. And with your votes, we can make history for the third year in a row.

👉 https://www.forsythnews.com/external-content/the-best-of-forsyth-2026/ #/gallery/504143692/?fbclid=IwY2xjawNKDL1leHRuA2FlbQIxMABicmlkETF4c21uM09IYjZZTW94WXdwAR4bZpSlWLr27LyfvTBwW2lGSS1eUVZ2KXsXy8mfi3uwT9nKBD4w6_Fdmot9Uw_aem_E7e13T4Xe0lVRyA1s7E13Q 👈

LET’S DO THIS! 💪💥

Our amazing agent Rebecca Seabolt has also been nominated for Best Agent — don’t forget to vote for her too! 🙌

***NGGA

09/27/2024

Hi Friends 👋

We wanted to keep you informed about our availability today and share some helpful tips on how to manage any concerns or questions you may have about potential storm damage.

#1 What should I do if my property is damaged?
Take photos of any damage and reach out to us via phone or email your agent with attached photos for documentation purposes.

#2 Will my policy cover storm damage?
Most homeowners' policies cover storm-related damage, but please review your specific coverage.
*with the exception of flooding that is a separate policy!!!

#3 What do I need to do if I need Immediate repairs?
*If you need immediate repairs, please tarp & resolve as quickly as possible to prevent further damage. Keep receipts and document all repairs for reimbursement during the claims process.

BE AWARE OF DOOR KNOCKERS!!! ESPECIALLY ROOFERS...

We trust Live Oak Roofing + Exteriors for Roofing (ask for Seth) & Sari & his team are the best at AdvantaClean of Norcross and Buford for Restoration and Water Mitigation.

NEED TO REPORT A CLAIM?
https://bradfordturner.com/client-portal/report-claim/

Consider All Options Before Filing a Claim:📣
We understand that unexpected events can be stressful, but we encourage you to carefully assess the situation before filing a claim. In some cases, resolving minor issues without a claim might be more beneficial in the long run. If you're unsure, feel free to contact us for guidance on the best course of action.

08/30/2024

Turn Down For What??!! NEW SHEETS.
Let Michelle Cruse know which color and size you need.
A portion of all proceeds go back to the Dawson County Tigers Softball. We are fundraising for a special piece of equipment that will help to grow the program in the future! or contact Michelle Cruse

06/14/2024

Read the comments. They are priceless! HAHA

04/30/2024

We have an amazing new product to offer our clients. Could a payout of up to $15,000.00 help you in the event of a tornado disaster? Watch the video and contact me for more information, at 770-901-2095

04/30/2024

A really good read if you want to know WHY your rates have increased so drastically for auto insurance.

The growing cost of car insurance, which has shot up by over 20% in a year, is weighing on Americans' finances.

04/24/2024

State Farm Loses AM Best Rating: What It Means for Policyholders

In a recent turn of events, State Farm, one of the largest insurance providers in the United States, has experienced a significant setback with the loss of its AM Best rating. This development has sent ripples of concern through the insurance industry and raised questions about the implications for the company's clients or customers.

What is AM Best Rating?

AM Best is a credit rating agency specializing in the insurance industry. Its ratings provide an independent assessment of an insurer's financial strength and ability to meet its obligations to policyholders. These ratings are crucial for insurers as they influence customers' confidence and trust in the company's stability and reliability.

The Impact of Losing AM Best Rating

For State Farm, losing its AM Best rating signifies a notable shift in its perceived financial stability. This loss can have several implications for the company's clients or customers:

Uncertainty and Concern: Policyholders may feel uncertain about the future of their insurance coverage with State Farm. The loss of the AM Best rating can raise concerns about the company's ability to honor claims and provide adequate support in times of need.
Potential Premium Increases: With a downgrade in its rating, State Farm may face higher borrowing costs and operational challenges. To offset these expenses, the company might consider raising premiums for its policyholders. This could result in increased financial burdens for customers already grappling with rising living costs.
Limited Coverage Options: Some customers may opt to switch insurance providers in light of State Farm's rating downgrade. However, depending on their specific needs and circumstances, finding alternative coverage options that offer comparable benefits and affordability could prove challenging.
Reevaluation of Trust: The loss of the AM Best rating may prompt policyholders to reevaluate their trust in State Farm as their insurance provider. Clients who have long relied on the company for their insurance needs may now question its financial health and consider exploring other options.

What Can Policyholders Do?

In light of these developments, policyholders of State Farm should consider taking proactive steps to safeguard their interests:

Review Policies Carefully: Policyholders should carefully review their insurance policies, paying close attention to coverage limits, exclusions, and renewal terms. Understanding the specifics of their coverage can help individuals make informed decisions about their insurance needs.
Explore Alternatives: It may be prudent for policyholders to explore alternative insurance providers to compare coverage options and pricing. Consulting with independent insurance agents or conducting online research can help individuals identify insurers that meet their requirements.
Seek Clarity: Policyholders should reach out to State Farm representatives to seek clarification about the impact of the AM Best rating loss on their insurance policies. Understanding how the company plans to address concerns and maintain its commitment to policyholders can provide reassurance during uncertain times.
Stay Informed: Keeping abreast of developments related to State Farm's financial health and rating status is essential for policyholders. Regularly monitoring news updates and industry reports can help individuals make informed decisions about their insurance coverage.

Looking Ahead

While the loss of its AM Best rating presents challenges for State Farm and its policyholders, it also serves as a reminder of the importance of financial stability and transparency in the insurance industry. As State Farm works to address the implications of this rating downgrade, policyholders must remain vigilant, informed, and proactive in safeguarding their insurance interests.

In the ever-evolving landscape of insurance, maintaining open communication, and staying informed are key to navigating uncertainties and ensuring peace of mind for policyholders.

04/11/2024

Demystifying Your Auto Insurance: A Guide to Key Terms

Car insurance can feel like a complex web of terms and numbers. Understanding what your policy covers is crucial, so you're not left confused in the event of an accident. This guide will break down some of the most important auto insurance terms to help you navigate your coverage with confidence.

Coverage Types:

Liability: This covers injuries and property damage you cause to others in an accident. It comes in two parts:

Bodily Injury Liability: Pays for medical expenses of injured people in the other car (and pedestrians)
Property Damage Liability: Pays for repairs to damaged vehicles and property (like fences) in the other accident
Collision: This covers damage to your car caused by a collision with another vehicle or object.

Comprehensive: This covers damage to your car from non-collision events, like theft, vandalism, fire, hail, or animal strikes.

Other Key Terms:

Premium: The amount you pay for your insurance policy, typically calculated annually or semi-annually.

Deductible: The amount you pay out of pocket before your insurance kicks in for a covered claim. Choosing a higher deductible can lower your premium, but you'll have more to pay upfront in the event of a claim.

Limits: The maximum amount your insurance company will pay for a covered loss. Liability limits are typically shown as three numbers (e.g., $25,000/$50,000/$15,000). The first number represents the maximum payout per person injured, the second number represents the maximum payout for all injuries in one accident, and the third number represents the maximum payout for property damage.

Medical Payments/Personal Injury Protection (PIP): Pays for medical expenses for you and your passengers, regardless of who caused the accident. PIP coverage may also cover lost wages and other accident-related costs (depending on your state).

Uninsured/Underinsured Motorist Coverage: Protects you if you're in an accident caused by a driver with no insurance (uninsured) or not enough insurance (underinsured) to cover your damages.

Remember: This is not an exhaustive list, and specific terms may vary depending on your insurance company and state laws. Be sure to carefully review your policy documents and don't hesitate to ask your insurance agent to clarify anything you don't understand. By familiarizing yourself with these key terms, you'll be better equipped to make informed decisions about your auto insurance coverage.

04/10/2024

Teen Drivers and Car Insurance in Georgia:

Anyone else feeling the pinch of rising auto insurance costs lately? Especially for those of us with teen drivers in the house!

Here in Georgia, like everywhere else, insuring a new driver can be a budget buster. Teen drivers are statistically more likely to be in accidents, but are there ways to save?

Why are teen drivers so expensive to insure?

Lack of experience: Teens simply haven't had the time to develop safe driving habits.
Higher risk of accidents: Statistics show teens are more prone to crashes.
Distracted driving: Texting, loud music, and new driver jitters can be a dangerous mix.

Tips for saving on teen driver insurance:

Good student discounts: Encourage good grades! Many insurers offer discounts for teens with strong academic records.
Driver's education courses: Completing approved driving programs can lower premiums.

What are your experiences with teen driver insurance in Georgia? Any other money-saving hacks to share?