Homeowners Insurance

Homeowners insurance is an essential coverage to have to ensure you’re financially protected if your home is damaged in inclement weather, your experience a fire or items are stolen. Knowing how much insurance you need and ensuring you have all the necessary protections, however, can be tricky. That’s why we’re here.  

Granite Risk Advisors, LLC has helped Marietta, Georgia, homeowners get the home insurance solutions they need—and we can help you too. Contact us today to learn more about our offerings or to get a quote.  

What Does Homeowners Insurance Cover? 
Homeowners insurance includes both home protection and liability coverage, which is why it’s a package policy. This insurance typically includes four essential coverages: 

• Property structure coverage may help pay to repair or rebuild your home if it’s damaged or destroyed by a covered disaster. Typically, coverage doesn’t include flood, earthquake or routine wear and tear. 
• Personal belongings coverage may pay for furniture, clothing, sports equipment and other personal items stolen or destroyed by a covered disaster. Although jewelry, furs and other expensive items may be covered, there are usually policy limits. You may need a personal property endorsement or floater to insure these items for their appraised value.
• Liability protection may pay the costs of medical bills and lawsuits for bodily injury or property damage that you or a family member causes. It may also pay for damage caused by pets. Your homeowners policy might also pay your court costs and awards up to your policy’s limit. An additional umbrella or excess liability policy might give you broader coverage, including claims for libel and slander.
• Additional living expenses protection may help pay your living costs if you must live elsewhere due to damage from a covered disaster. This coverage might pay your hotel bills, restaurant meals and other living expenses up to your policy’s limit.  

Granite Risk Advisors can help you find the right homeowners insurance or additional coverages that you may need to protect your critical assets, including your home and belongings, and provide invaluable liability protection. 

What Other Coverage Is Available? 
Depending on your property’s home, location and age, you could experience other types of damage or loss. As mentioned earlier, Georgia residents often face harsh weather conditions, which might make supplemental coverage a beneficial addition.  

Termite, insect or rodent damage and mold are also coverages you may want to discuss with your insurance agent. In addition, if you have costly belongings such as jewelry or furs, or high-risk items like a swimming pool or trampoline, you may want to explore insurance that provides beneficial protection. 

Does Georgia Require Home Insurance? 
Georgia state law doesn’t require you to have homeowners insurance, but your mortgage lender may require you to have coverage before financing your house. Adequate home insurance can help financially protect you in an accident or disaster. Without coverage, you could be left footing the bill for damages, which can be costly.  

Protect Your Livelihood 
Granite Risk Advisors, LLC can work with you to determine the best coverages for your home, providing the best financial protection. To get started, call us today at 678-905-0220.