Georgia's location in the southeastern United States puts it at risk of severe weather, especially during the summer hurricane season. Keeping your home and your personal belongings safe with adequate homeowners insurance for your property is critical. Although the State of Georgia doesn't require you to have coverage on your property, insuring your home against liability and weather-related damage is important. If you have a mortgage, your lender will almost certainly require insurance to cover the amount of your mortgage.
Comparing Georgia Home Insurance Rates
Insurance rates and premiums you are quoted will vary throughout Georgia based on a number of factors. At a minimum, your home insurance company will consider the following:
- Age of your home
- Construction type (single family, multi-story, mobile, etc.)
- Number of previous claims
- Value of the home
- Proximity of your home to the coast
If you are shopping for new insurance or looking to replace a current home insurance provider, you should get a few quotes to make an informed comparison.
Weather Concerns for Georgia Homeowners
Weather-related damage can cause many problems for homeowners. Georgia experiences occasional tornadoes, flash flooding, hurricanes, and damage from ice and snow in the northern part of the state. Your home insurance policy should cover tornado, hurricane, and ice/snow related damage. Check your policy to make sure coverage applies to wind related damage from hurricanes and tornadoes.
Most home insurance policies don't cover flooding, so you'll need to purchase additional flood insurance to cover your home. If you are unsure if you live in a flood prone area of Georgia, the National Flood Insurance Program has information and maps you can use to figure out your risk to flooding. There are also resources included to help you find and secure coverage against flooding.
Northern areas of Georgia also experience mudslides and washouts from flash flooding. If your home is located within the mountain areas of north Georgia, protect your property from mudslides and washouts by building a barrier. Retaining walls made from concrete or lumber are useful to keep water, mud, and debris from entering your property.
If your home is in the low-lying coastal areas of Georgia, the state may issue a mandatory evacuation when a hurricane approaches. Although you may feel the need to remain in your home, listen to the state authorities and leave. If the hurricane produces flooding conditions, roadways to the mainland may wash out, leaving you stranded. Flooding, wind, or tornado damage may also affect clean water and electricity.
Frequently Asked Questions About Georgia Home Insurance
If you are an existing homeowner reviewing your policy or a new homeowner just closing on your first home, you probably have many questions. Here are some frequently asked questions about Georgia home insurance:
1. Can a home insurance company not insure you because of a dog?
As weird as it sounds, yes, some breeds of dogs are considered a liability risk and a home insurance company can refuse to insure your property. These breeds include Pit Bulls, Rottweilers, and Dobermans.
2. Does home insurance cover the cost of additional living expenses?
Most policies do have a rider that will cover the cost of additional living expenses should you have to leave your home and live somewhere else. Check your policy to be sure, but this is usually only offered as an add-on.
3. Will home insurance pay to clean up debris?
Some policies have a debris removal clause that will help cover the cost of tree removal. You should check your policy to make sure there aren't any exclusions to this coverage such as a tree actually falling down.
4. Does home insurance cover the damage caused by hail?
Your homeowners insurance should cover any damage from hail. Make sure to take photos of the damage and call your insurance company quickly to file a claim.
How to Get Great Rates on Georgia Home Insurance
Has it been a while since you shopped for homeowner’s insurance? Is so, loyalty doesn’t always pay because prices vary from insurer to insurer. Another company may offer you a much better deal. Looking for home or renter’s insurance quotes? insuranceQuotes.com can help you find the best homeowner’s or renter’s insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest home insurance companies, including Allstate, State Farm and Farmers.
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