Homeowners Insurance

Home insurance offers needed financial protection to repair, rebuild or replace a home if there’s a covered loss. TOTAL INSURANCE has been helping Georgia residents with their home insurance needs since 2004. We can also help you with a home insurance policy that gives you peace of mind if you have unexpected damage due to an insured event.

What Does Home Insurance Cover?

A home insurance policy includes home protection and liability coverage. As part of a home insurance policy, you generally get four essential protections:

·        Liability protection—This coverage might pay medical bills and lawsuits for bodily injury or property damage that you or a family member causes. In addition, your home insurance might pay court costs and awards—up to your policy’s limit.

·        Personal belongings coverage—This coverage may pay for furniture, clothing, sports equipment and other personal items stolen or damaged by a covered disaster. A personal property endorsement or floater may be beneficial to insure expensive items for their appraised value.

·        Property structure coverage—This protection can repair or rebuild your home if it’s damaged or destroyed by an insured event.

·        Additional living expenses protection—This coverage might pay your living costs if you need to live elsewhere due to a covered loss, including hotel bills, restaurant meals and other living expenses—up to your policy’s limit.

Depending on your unique situation, you may need additional coverage. For example, if you live in a flood-prone community, you may need additional coverage for your high-value personal property or a flood insurance policy. Contact TOTAL INSURANCE today to discuss your home insurance needs.

How Much Home Insurance Do I Need?

Determining how much home insurance you need for your home can be complex. What’s more, if you’ve financed your home and have a mortgage, your lender may require proof of home insurance to approve the loan. Contact TOTAL INSURANCE today to learn more about calculating the amount of home insurance coverage you should purchase.

What Does Home Insurance Cost?

The cost of a home insurance policy is affected by multiple factors, like your home’s location, the rebuild cost and if you’ve filed previous claims. We can determine the best policy for your home—and get you coverage at a reasonable price.

How Does Home Insurance Work?

As a homeowner, you may have decided to purchase home insurance. A home insurance policy is a contractual agreement with your insurer. In exchange for home insurance coverage, you agree to pay a premium.

If you need to file a claim with your insurer for a covered loss on your home or belongings, your insurer will review it and decide its validity to compensate you for your loss. If valid, your insurer will issue a check so you can begin the recovery process. Maintaining contact with your insurer to promptly address any questions or concerns is essential. You will also want to speak with your agent about their specific claims process since the claims process can vary by insurer.

When Do I Buy Homeowners Insurance?

Many mortgage lenders require home insurance before they will finance a home. Otherwise, you might have to cover damages personally, which can be expensive. We can discuss when you should start your home insurance journey.

Looking for Coverage?

TOTAL INSURANCE can help you obtain a homeowners insurance quote. Call us at 678-857-6898 and let us assess your needs and find an insurance policy that’s right for you.