Dennis Lam Insurance

06/23/2026

Golf carts are becoming an increasingly popular way to get around neighborhoods, parks, and communities. But before you start using one for everyday family transportation, it's important to understand the local rules and insurance requirements that apply where you live.
https://www.dennislaminsurancega.com/blog/before-you-take-your-golf-cart-on-the-road-know-the-rules-and-insurance-requirements

06/16/2026

When shopping for homeowners insurance, most people focus on factors like their roof’s age, the overall condition of their home, and its location. But there’s another important factor many don’t realize: your credit score.

Yes — your credit history can significantly impact your homeowners insurance premium. Here’s how:
https://www.dennislaminsurancega.com/blog/the-hidden-factor-that-could-lower-your-homeowners-insurance-premium-up-to-50

06/09/2026

Summer is the busiest moving season of the year, and whether you're relocating across town or across state lines, protecting your belongings should be part of your moving plan.
One important question many people overlook is: What happens if your belongings are damaged, lost, or stolen during the move?
The answer depends largely on how you're moving.

Summer is the busiest moving season of the year, and whether you're relocating across town or across state lines, protecting your belongings should be part of your moving plan. ​One important...

06/02/2026

June marks the beginning of hurricane season, and for residents of Georgia and South Carolina, that means it's time to review your insurance protection before a storm threatens the area.

When hurricanes strike, damage can come from multiple sources—including wind, hail, falling trees, storm surge, and flooding. Unfortunately, not all types of damage are covered by the same insurance policy. Depending on where you live, protecting your home and finances may require a combination of coverages.

Here are several important steps to take now—before a storm is on the radar:

June marks the beginning of hurricane season, and for residents of Georgia and South Carolina, that means it's time to review your insurance protection before a storm threatens the area. When...

05/26/2026

You're not by yourself if you feel overwhelmed when making decisions about your insurance coverage.
Why is insurance so complicated, and how do you navigate through coverage options to ensure you choose what's best for you?
Read on for answers to these important questions.

You're not by yourself if you feel overwhelmed when making decisions about your insurance coverage. ​Why is insurance so complicated, and how do you navigate through coverage options to ensure you...

05/12/2026

When you’re on the road, you expect other drivers are carrying auto insurance. Unfortunately, that’s not always the case.

According to the Insurance Research Council, more than 15% of drivers nationwide are uninsured. In Georgia, estimates range from 12–15%, while South Carolina still has over 10% of drivers on the road without insurance.

Even more concerning, many drivers carry only minimum limits that may not fully cover damages after a serious accident.

So what happens if someone hits your vehicle and they either have no insurance — or not enough?

When you’re on the road, you expect other drivers are carrying auto insurance. Unfortunately, that’s not always the case. According to the Insurance Research Council, more than 15% of drivers...

05/05/2026

Warmer weather is here, and RV season is officially in full swing. Campgrounds are filling up, and weekend trips to the lake or coast are back on the calendar.
If you own an RV, now’s the time to double-check your insurance before you hit the road.
An RV isn’t just a vehicle—it’s part car, part home. That means a standard auto policy usually won’t cover everything you need. Summer storms, falling branches, water intrusion, and even theft at campsites can create costly surprises if your coverage isn’t set up correctly.
Here are a few areas RV owners should pay close attention to:

Warmer weather is here, and RV season is officially in full swing. Campgrounds are filling up, and weekend trips to the lake or coast are back on the calendar. If you own an RV, now’s the time to...

04/28/2026

In today’s world of instant online quotes and chatbot answers, it may seem like you no longer need an insurance agent. But when it comes to protecting your home, auto, business, and finances, having the right advisor can make all the difference.

Buying insurance on your own often feels easy—until you have a claim or discover too late that your coverage has costly gaps. That’s when expert guidance becomes invaluable.

A strong insurance agent does more than sell a policy. They help you make smart decisions, avoid expensive mistakes, and stand beside you when you need help most.

So how do you choose the right insurance professional? Here are 7 things to look for:

In today’s world of instant online quotes and chatbot answers, it may seem like you no longer need an insurance agent. But when it comes to protecting your home, auto, business, and finances,...

04/21/2026

Would you like to make your home safer while possibly reducing your homeowners insurance premium? Many homeowners don’t realize that certain security upgrades can help protect their property and may also qualify for insurance discounts.

Thanks to today’s technology, there are many great options available. Here are three upgrades that often provide strong value for both safety and savings:

Would you like to make your home safer while possibly reducing your homeowners insurance premium? Many homeowners don’t realize that certain security upgrades can help protect their property and...

04/14/2026

Living in humid climates like Georgia and South Carolina means moisture is a constant factor—and that creates the perfect setup for mold inside your home.

When warm, damp air meets cooler surfaces, condensation forms. Over time, that moisture can allow mold to take hold and spread. You’ll often find these conditions in areas like bathrooms, kitchens, and basements where humidity and water tend to build up.

In many cases, homeowners insurance will cover mold, mildew, fungus, and spores—but only if they result from a covered peril. So what is a covered peril? This includes specific situations such as:

Living in humid climates like Georgia and South Carolina means moisture is a constant factor—and that creates the perfect setup for mold inside your home. When warm, damp air meets cooler surfaces,...