Homeowners Insurance Georgia

Homeowners insurance protects an owner when natural disaster strikes. Hurricane season is an especially costly time of year for Georgia homeowners. The benefits of homeowners insurance after a hurricane protect a property owner from extra expenses for repair of a home, and replacement of its contents. Property owners are also protected from legal liability from a guest slip and fall. With homeowners insurance, all medical and attorney expenses associated with an injured guest’s hospital bills, or any court compensation resulting from a negligence lawsuit, is covered.

Disaster Risk Events

Georgia homeowners can protect their property investment with insurance coverage for natural disaster damage risk events. Repair a home’s structural features, as well as replace personal belongings, without the hassle of out-of-pocket expenses.   

Liability Risk Events

The danger of a guest injury is a legal liability that a homeowner is obliged to pay for in the form of medical bills, and sometimes even legal fees. Liability risk event responsibility can be covered in a homeowners liability insurance policy. Protect your finances from loss with a liability insurance to meet the unexpected costs of guest hospitalization, treatments and court costs arising from an injury claim.

Homeowners Insurance Coverage

Comprehensive Coverage – a full-coverage policy covering repair and replacement of property.

Individual Coverage –protects family members from debt obligations and outstanding mortgage payments at the time of serious accident or death.   

Packaged Indemnity Agreements – coverage theft or damage claims to loss of real property or personal effects.

Combined Life Coverage – life and homeowners insurance combined in a single policy, covers property, liability, as well as end-of-life expenses, and benefit to beneficiaries.

To find out more about homeowners insurance policy deductibles, claims, grace periods, and terms and conditions in Georgia, and obtain a quote, contact H2M Insurance of Winder, GA.