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Homeowners Insurance Information
Insurance For Homeowners Throughout Georgia
Protecting your home should not be difficult or expensive. You should be able to insure your home with a comprehensive home insurance policy at a price that you can appreciate. Unfortunately, many homeowners end up paying too much for too little coverage.
At Cole Hixon Insurance, we are dedicated to providing your family with a sense of safety. Our insurance professionals will provide fantastic customer service as we help you evaluate your risks as a homeowner and tailor a policy fit for your needs.
What Does Home Insurance Cover?
A basic home insurance policy covers four main areas:
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with costs such as food and temporary shelter
How Much Home Insurance Do I Need?
It is generally recommended that you carry enough home insurance to cover the total replacement cost value of your home. This is how much it would cost to completely rebuild your hone after a disaster, including building and material costs.
Every home is different, however. So be sure to speak with your insurance agent to discuss the amount of coverage right for your home.
Protect Your Home Today
Protect your home with a policy it deserves. Call Cole Hixon Insurance at (706) 353-8766 or get an instant online quote today.
Home insurance may be paid for through monthly premiums in return for compensation in case of damages and other accidents involving your home. If you file a claim, a claims adjuster from the insurer will investigate the claim to calculate how much compensation you may receive based on your policy.
The cost of home insurance varies depending on the value of your home, your location, credit score, claims history and other factors. Get an online quote to find out how much you can save on home insurance today.
Home insurance is crucial for protecting your home, personal belongings and loved ones in the event of an accident or disaster. Without a home insurance policy, you could face thousands of dollars in damages, lawsuits and other expenses.