Georgia Homeowners Insurance

Most policies include the home itself, other structures, personal property, loss of use, personal liability, and medical payments… with optional add-ons for water backup or higher special limits.

Fire, wind, hail, theft, vandalism, and more… but flood is excluded. See our refresher: policy coverage basics.

We estimate replacement cost using rebuild data for your square footage, roof, and finishes… then round to a limit that satisfies your lender and avoids underinsurance.

No. Flood requires a separate policy. We can quote NFIP or private flood alongside your homeowners policy.

Many coastal counties use a wind or hurricane deductible. We will confirm whether your carrier includes wind or separates it, then align the deductible with your comfort level.

Yes… schedule high-value items to remove sub-limits and cover mysterious disappearance or accidental loss when available.

Rebuild cost, roof age, claim history, location, protection class, loss mitigation, and your chosen deductibles influence price.

Multi-policy, monitored alarm, hail-resistant roof, new home, claims-free, and e-documents are typical savings drivers.

Often yes… we check several carriers to confirm the combined price beats standalone policies.

Newer or impact-resistant roofs tend to lower rates. Aging or three-tab shingles can raise wind and hail exposure.

Yes, many carriers reward monitored burglary or fire, water shutoff valves, and leak sensors.

We report the loss, secure photos and estimates, coordinate inspections, and track payment until your home is restored.

Replacement cost pays to rebuild with like kind and quality… ACV subtracts depreciation. We aim for replacement cost wherever possible.

Walk-through video, cloud photo folders, and a simple spreadsheet work well. See documents made easy for tips.

An event-specific deductible that often applies as a percentage of Coverage A. We will help set it to balance savings and out-of-pocket risk.

Same day in most cases… we issue dec pages, binder, and mortgagee updates once you approve terms.

Interior finishes, personal property, loss assessment, loss of use, and personal liability… coordinated with your master policy.

Yes, landlords often require it. It protects your belongings and provides liability coverage at a low monthly cost.

DP policies for the structure, liability to satisfy lease requirements, and optional loss of rents coverage.

Yes, with the right endorsement or a dedicated rental policy. Not all carriers allow it… we will match you appropriately.

Yes, through carriers that specialize in manufactured housing. Coverage can mirror standard homeowners with a few differences.

Expect wind or hurricane deductibles and construction standards that affect eligibility. We will compare carriers for your county.

Coastal exposure, hail patterns, fire protection class, and local claim trends can raise premiums in select ZIP codes.

Yes… fortified or code-upgrade features often earn credits and reduce wind losses. Ask about ordinance or law coverage.

Many mortgages collect insurance in escrow. We coordinate with your servicer so billing stays accurate.

Photo ID, binder or dec page, mortgagee clause, and proof of premium. We send files directly to your closer on request.

We issue digital copies instantly and can mail physical copies if needed. HOAs and lenders receive their versions too.

Yes… most carriers offer monthly, quarterly, or paid-in-full with a small service fee difference.

Share the name and address and we will update the policy, then send confirmation to your HOA or lender.

Same day in most cases… we align effective dates and notify your escrow so billing transitions smoothly.

Absolutely. We shop several partners to find strong coverage and price for your address, roof, and claims history.