Low Cost Homeowner Insurance in Decatur, GA
FOCUS INSURANCE GROUP ... Call: 404-633-3333
This is a house. It's like a lot of houses but with one big difference. It’s your house.
It’s where you hang your hat, open your mail, host cookouts but most important, it’s the place where you have everything and everyone that means the most.
Protecting what matters most is what insurance is about and, if you're a homeowner, you know how your house works but what about your insurance? Do you know how it works? Do you know how to get the type of coverage that best fits your needs and budget?
The what and how of insuring your home
Homeowners’ policies cover three basic areas
Structure, Belongings and Liability
Structure is your house, its roof, walls, systems, a garage or other freestanding building on your property.
This is covered against damage due to disaster such as fire, hail, wind damage, falling objects, burst pipes and other events.
Things to be aware of
Some types of water damage are covered
You will need a separate policy for flooding and earthquakes and some things are never covered like damage from termites and other pests
Belongings: your stuff is covered against loss due to an insured event or theft you're also covered off-site for loss of property wherever you are.
The things to be aware of
Create a home inventory to make it easier to keep track of your stuff and what it’s worth also you may need separate coverage for high-value objects.
Liability covers harm to others that happen in your house like falls and other accidents.
There are things that can increase your liability risks like trampolines, pools or an aggressive pet.
You are also covered for additional living expenses. This covers the costs associated with living away from your home if it is damaged by an insured disaster and you can't live in it.
How much coverage do you need when purchasing coverage?
Remember this simple rule: insure to rebuild in the event of a total loss and have enough coverage to replace your belongings.
Two things to be aware of
House prices rise and fall but the cost of building materials in labor is always going up.
So now that you know how insurance works for you, take the next step and contact our agency to discuss the coverage that best fits your needs
Life is about the unexpected
That's why there’s insurance to cover you against unexpected loss