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Home Insurance in Decatur, GA

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Is Your Home Underinsured?

Homeowners Insurance in Decatur
If disaster struck today, would you have enough Decatur homeowners insurance coverage to rebuild your home from the foundation and up? While your coverage might have once been enough, with inflation and the ever-rising cost of materials, chances are it is no longer sufficient.
Don’t wait until after the worst happens; speak with an insurance agent to make sure your policy offers the level of protection you need. Ask them if your coverage level is sufficient for rebuilding your home and replace your personal property should it be destroyed in a fire or other disaster.
Of course, this isn’t the only aspect of homeowners insurance to think about; there is liability as well. As times change, so do the terms of settlements. With bigger and bigger numbers being awarded, you have to make sure your liability coverage is high enough.
If you don’t have an agent or you are looking to partner with non-captive brokers, Focus Insurance Group is the company to turn to. You can bring your policy to one of our agents for a no-obligation review once a year. They’ll help you determine if your coverage is good or if you need a little more. And if you do, they’ll connect you with the right policy for your needs, offering multiple homeowners insurance quotes in Decatur, GA.

A Quick Guide to Insuring Your Home

Homeowners policies can be simple or complex, but all should cover three areas: structure, belongings, and liability.

Structure This is your house: the roof, the walls, the plumbing and electric, and any freestanding buildings that are on the same property. Structure coverage backs you in the even of damage from fire, hail, wind, falling hazards, and more.

Things to be aware of
 
  • Not all forms of water damage are covered.
  • If you have concerns about flooding or earthquakes, you’ll need riders or separate policies for these.
  • Damage from things like pets and termites are almost never covered.

Belongings: This is all the stuff inside your home or other buildings on your property. It might also include outdoor items, such as patio furniture, fences, and playsets. Coverage usually includes damage from specific perils as well as theft and vandalism.

Things to be aware of

  • For full coverage, you should make a home inventory.
  • Anything high value must be properly documented.
  • When it comes to vandalism and theft, expect an investigation to ensure there is no fraud taking place.

Structure  This covers harm to others if the injury happened while they were on your property. The cost of your liability coverage increases when your property has lots of risks. Pools and trampolines are considered big risks, and some insurance providers won’t cover you if you have them.

Remember, at Focus Insurance, we offer more than just homeowners policies! Talk to us about all your insurance needs, including landlord and personal insurance in Decatur, GA. To find out everything about what these can do for you contact us today.

FAQs About Homeowners Insurance in Decatur, GA

The best practice would be to get enough coverage to be able to rebuild and have sufficient coverage to cover the cost of your valuables in the event of the worst-case scenario.

Contact our office to discuss the coverage that best suits your needs.

Every situation is different so when storm damage occurs it is best to contact your agent directly to see what is covered under your home insurance. You may be able to file a claim.

Home insurance generally does not cover normal wear and tear and usually will not cover damage done by someone in your home.  However, it is always best to reach out to your agent in order to find out if the damage done to your property is covered under your insurance.

Deductibles are usually included in home insurance plans and you should consider it before choosing whether or not to file a claim.  A deductible is the amount that you must pay before the insurance company pays. Compare the value of your patio furniture to the value of your deductible.  You won’t be compensated if the value of the furniture is significantly less than the deductible.

Home insurance policies will usually pay out based on the item’s value before a storm has occurred. Items will be valued based on the original purchase price and depreciation of value since purchase.  It’s also possible that your policy provides replacement cost coverage which may be enough to purchase a new piece as replacement.  To get an accurate estimate, take photos of the damage done and contact your insurance agency.  From there you will learn the kind of coverage you have, what the deductible on your insurance is and how much you could possibly receive if you file a claim.

Dealing with unforeseen property damage is already a stressful situation.  Construction fraud is something that you need to be wary of when looking to get your property rebuilt or repaired.  Do your due diligence when selecting a company to work with. Look for character references, ask to see photos of previous work, ask for proof of insurance and never agree to cash payments.  Consult with your insurance agent and trust your gut.

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Home Insurance in Decatur, GA
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