Homeowners Insurance for Georgia and Tennessee Families
Homeowners insurance provides coverage for your home and your belongings in the event of theft, fire, storm or other covered losses. It also provides liability coverage that protects you in the event that someone is injured on your property or you or a family member cause injury or property damage to someone else.
Most homeowners policies provide the following types of coverage:
- Dwelling coverage: Homeowners insurance provides compensation for damage to your property and any attached or detached structures up to the limits of your policy. Most homeowners policies cover loss or damage due to things like theft, fire and even hurricanes, but most will exclude coverage for damage due to earthquakes and floods.
- Personal property coverage: The contents of your home are covered if they are lost, damaged or destroyed by theft, fire or another covered event. High-value items like jewelry, antiques, electronics and special collections can be protected with additional coverage with scheduled personal property riders that you add on to your standard homeowners policy.
- Personal liability coverage: If you or a family member or even your pet causes an accident, injury or property damage, your homeowners policy can protect you. The personal liability coverage in your homeowners policy will provide for medical care to the injured party, or the costs to repair or replace damaged property. It may also pay for your legal fees if you are sued, but exclusions do apply.
- Temporary living expenses: If your house becomes uninhabitable after a covered event, your homeowners insurance will provide reimbursement for living expenses while your home is being repaired or rebuilt. This can include hotel bills, restaurant meals and more, depending on your policy.
We will evaluate your needs and help you find the best homeowners coverage for the best price. We will also discuss your need for special personal property coverage, flood insurance and personal umbrella coverage.