Home Insurance in Georgia

Homeowners in the state of Georgia are not required to purchase insurance on their dwellings by law, but most lenders will mandate that their customers obtain coverage on their houses. This is crucial to protecting the investment that is your home, and it will guard your financial assets if you should ever face circumstances that require a significant monetary outlay.

Personal Liability Protection

You may be held financially responsible if your guest slips and falls in your Pooler, GA home and is injured. Your homeowner's insurance will pay the medical bills up to the limits you have set, and it can pay expenses related to legal fees. You will be responsible for covering a certain amount out of your pocket; this is called your deductible. Your insurance premium will be higher if you choose a lower deductible, and your monthly payment will be lower if you choose a higher deductible.

Property Damage and Your Personal Possessions

Your homeowner's policy will list specific instances where your Pooler, GA home and other structures will be covered, and these tend to include damage by fire, severe storms, or vandalism. Earthquakes and flooding are not typically included, but you can discuss the specifics with your agent. Your possessions will also be covered, though you'll need additional protection in the form of special endorsements if you have items of particular value.

Your policy may also include alternative living arrangements if your home is uninhabitable while it is undergoing repairs. It is important that you insure your home up to its value so that it can be replaced if it is destroyed by fire or through a natural disaster.

TruePoint Insurance Can Insure Your Home

We at TruePoint Insurance are skilled at helping homeowners in the state of Georgia with their various insurance needs. You can find a quote for homeowners and automobile insurance on our website, and we invite you to call or stop by our location to discuss your homeowner's insurance needs with us today!