Homeowner Insurance
Having a good homeowner insurance will give you peace of mind to know that you will be protected when the unexpected occurs.
The most common incidents in Georgia are
theft, lightning and fire. Our carriers provide you with insurance that will be there for you when you need it most.
The following are the most basic coverages that come along a homeowner policy- You can always endorse your policy to extend your coverage to your property, your home, and your liability coverage.
Dwelling Coverage
Covers your home and the structures directly attached to it. For example- your garage, deck, roof and floors.
Other Structure
Coverage applies to some of the following -driveway, sheds and gazebos from covered perils
Personal belongings
Covers you furniture, clothing , appliances and even your bicycle in case of a covered peril such as fire, theft or vandalism!
Loss of use
pays for additional living expense if you cannot live in your home due to a covered loss- up to the policy limit
Personal Liability
Coverage for injuries that occur to someone else while they are in your home and you are found at fault. It includes- Medical payment, lost income, pain and suffering, legal expenses and court costs.
Medical Payments
Covers injuries at your home wether or not you are liable- up to the policy limits.