What You Need to Know About Georgia Homeowners Insurance
If you are a homeowner in Georgia, you likely have homeowners insurance. Usually, people buy these policies when they buy their houses, and barring a disaster, they rarely think about them. Here are some things you should know about homeowners insurance that can better protect you and save you money.
It’s beneficial to shop around.
Whether you’re just buying homeowners insurance or have had your policy for decades, it is a good idea to shop around. You might be able to save money by obtaining a policy from the same company that handles your Georgia auto insurance, or you might save even more by going with another company. If you have had your insurance for several years, you could benefit from taking a fresh look at it. There might be new discounts that apply to you, or a competitor might be offering more coverage or lower premiums.
You might not be fully covered.
Did you know that standard homeowners insurance does not cover floods? Most homeowners think it does, but you actually need to buy a separate policy if you want flood insurance. It is a good idea to consider flood insurance in Georgia, even if you don’t live near the water. You never know when heavy rains could damage your home. In addition, changing costs, remodeling, and adding onto your home can create a gap in your coverage that you need to address with your agent. In fact, if you have any doubts as to whether the amount of coverage you have is adequate, ask your agent what other types of coverage is available for your home.
You shouldn’t be afraid to file a claim.
Many homeowners are reluctant to use their insurance when they have damage, but you shouldn’t be afraid to file a claim. Smaller claims are not always associated with a rise in premiums, and your agent can talk you through what to expect. However, depending on your deductible, it may not be worth it to make a claim unless the damages are significant.
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