Home Insurance in Georgia
Buying a home in Buford, GA is the largest single expense you will normally make during your lifetime and you need to protect that investment with a home insurance policy. The fact of the matter is that fires and other types of negative situations happen to thousands of homes every day and you don’t want to be left unprotected in case something happens to your home. You need a home insurance policy, but you need one that fits your specific needs and budget.
What a Home Insurance Policy Covers
A basic home policy covers things like fires, windstorms, hail, vandalism, theft, and many other things. The policy will pay to fix the damage, or in the case of massive damage, pay to replace the home. You can also opt to get higher levels of coverage to protect you when severe cold weather patterns drop down from the north into Georgia that cause damages to your home from snow, ice, and freezing temperatures. You also want liability coverage to protect you in case someone gets hurt on your property.
Determining Coverage Amounts
You don’t want to have more coverage than you need or you’ll be paying a higher price for the insurance without getting any extra coverage. To make sure you get the proper amount of coverage, you need to do an inventory of your assets in the home and place a dollar value on those assets. This includes everything from the replacement cost of the home all the way to the value of the contents in the home.
Setting Deductible Amounts
ou need to set the deductible amounts you will pay in case you have to use your insurance. The size of the deductible will affect your monthly premium payment. Higher deductible amounts will lower the cost of your monthly premiums.
If you just bought a new home, or if you are looking to update your coverage on an existing home, you should call us at Premier Choice Insurance Agency in Buford, GA so we can sit down together and develop a home insurance policy that you can afford and that meets your needs.
4482 Commerce Dr.
Buford, GA 30518
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