Home Insurance in Georgia

Your home is an important part of your everyday life. It is where you make memories with your loved ones, and you want to make sure that it is protected. At Client First Insurance Solutions in Americus, GA, we want you to have a sense of security when it comes to knowing that your home is covered. That is why we strive to be the most knowledgeable agents in the area about home insurance and how to help our clients determine what policy works for them based on their needs. Here are some common questions asked about home insurance.

What does home insurance cover?

Homeowner's insurance typically covers the replacement of your structures in the event of a natural disaster, the replacement of your belongings in the event of damage or theft, and the liability coverage in case someone is injured on your property and sues. It may also cover the cost of temporary housing if you cannot live in your home for reasons beyond your control, such as relocation due to natural disasters or infestation. Natural hazards that are covered typically include tornadoes, lightning, and windstorms.

What does home insurance not cover?

Some coverage options are separate from homeowner's insurance. If you live in a flood plain in Georgia, you will need flood insurance, which is not covered in home insurance. Home insurance also does not typically include damage from sinkholes or earthquakes.

How do I determine the value of my belongings?

If you can or already have, keep a record of your purchases. By having detailed receipts, your insurance agent can help you determine how much coverage you will need. Some more expensive belongings, such as jewelry, will likely require additional coverage. When possible, see if there is an insurance plan from the manufacturer of your belongings since they will be able to replace your items directly.

Come and see us at Client First Insurance Solutions in Americus, GA to get home insurance coverage today!