For any Georgia homeowner, insurance coverage is necessary to protect the single largest investment you’ll likely make in your life. Fortunately, you can have the professionals at Turner, Wood & Smith in your corner ensuring you have the coverage you need at a price you can afford.
Generally, Georgia homeowners insurance provides protection against the financial consequences of personal losses, including physical damage to your home and your personal property. Homeowner insurance policies are available for different housing types, including:
- Owner-occupied homes
- Condominium units
- Mobile homes
A Georgia homeowner insurance policy is a combination of property and liability coverages and is tailored to meet your specific needs for protection and budget. Typical coverages include:
- Dwelling. Your coverage is based on the cost to replace your structure with similar quality materials and workmanship, which can be significantly different from the dwelling’s “market value” or the “assessed value.”
- Other Structures. This covers detached structures on your property such as a garage or storage shed.
- Personal Property. This covers your personal belongings; special limits may apply.
- Loss of Use. This coverage pays for additional living expenses (those above and beyond your normal living expenses) incurred if your dwelling is temporarily unusable because of a loss.
Check out our list of frequently asked questions about Georgia home owners insurance or contact us now to discuss your specific needs. We have many industry veterans ready to answer any questions you have.