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Home Insurance in Georgia
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When purchasing a property you need to choose a home insurance provider to protect your new investment. Home insurance safeguards your property against perils such as theft, fire, and storm damage. The good news for Georgia residents is that the state has some of the lowest premium averages in the nation. Unlike the high premiums in the southern states of Florida and Louisiana, as of 2016, the average annual cost of homeowner insurance in Georgia is $933. Although competitive rates are important, only reputable companies should be used for underwriting.
Home Insurance in Georgia Tips
Basic home insurance plans for residents will have certain inclusions and exclusions. The insurance plan will outline the dwellings covered under the policy and what additional structures are protected. Exterior structures such as a garage and shed may be insured. Secondary residences on the lot are not usually covered under a single policy. Any vacation homes will also need a separate policy. Terms for residences not lived in throughout the year will differ than a standard home insurance plan.
Personal belongings are also insured, but you may need additional coverage for specialty items such as furs and jewelry. Many homeowner insurance policies will also provide liability protection. For instance, your insurance provider protects you if someone brings a lawsuit due to an injury that had occurred on your property.
Most Georgia home insurance policies will not include protection against flood damage. Homeowners will have to purchase a separate policy to obtain this type of coverage. Also, home insurance policies have maximum coverage limits. If you're concerned that the monetary loss could go above your limit, an umbrella policy will offer additional protection.
To learn more about Georgia home insurance carriers, contact H2M Insurance Group today. Our online rating tool can assist you in your buying decision. Give us a call at 770-415-1086 for more information.