Georgia Home Insurance
Being one of the Gulf Coasts, Georgia is highly susceptible to hurricanes. As a homeowner in Georgia looking to buy an insurance policy it's going to be important for you to try to get the most comprehensive home insurance coverage you can find. Last year's hurricane season was the busiest since record-keeping began in 1851 with 28 named storms causing over $60 billion in damages, according to the Insurance Information Institute. If you own a home in Georgia protecting yourself and your home with an affordable, comprehensive insurance policy is easy when you get your rate quote today.
The three most common types of homeowners insurance coverage are HO-1, HO-2, and HO-3. HO-1 is the absolute most basic and is definitely not recommended for homeowners in Georgia. HO-2 coverage will protect you from everything HO-1 will, plus five more disasters or perils. The most popular coverage is the HO-3 policy, which takes all the coverage of HO-2 and adds liability coverage for accidents that happen in your home to guests.
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In addition to one of the above policies, homeowners in Georgia will probably want to consider purchasing additional flood damage insurance. Although it may cause your premiums to increase slightly, it can save you from financial ruin in the long run. When you are shopping for your homeowners insurance, be sure to find out what is and isn't covered in your policy. Often times water damage that is caused by a broken pipe will be covered, while the more extensive damage caused by heavy rains will not, which is why it's important when you're shopping for insurance for your home to ask very detailed questions about your coverage.
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