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2373 Lawrenceville Hwy,

Decatur, GA 30033

Home Insurance in Decatur, GA

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Free Home Insurance Quotes in Decatur, GA

Are You Underinsured?

Is Your Home Underinsured?

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 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.

StructureThis 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.

The 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.
Liability: 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

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

Storms can be intense, causing damage to the structure of your home. You may walk outside to find your patio table shattered into pieces or it may be in the neighbor’s backyard.

When this type of damage occurs, contact your home insurance agent. Your agent will work closely with you to better understand what occurred. You may be able to file a claim for it. When does it apply?

Home insurance does not provide coverage for normal wear and tear on these items. If your patio table suffers a crack as a result of age, that will not have protection. It also does not apply if someone in your home causes the damage.

This might include a child hitting it, for example.
Rather, it applies in unexpected events including storms. It should provide financial protection for your patio furniture if it suffers damage due to lightning, fire or wind. If large hail hit the structure of your patio table shattering the glass, your coverage applies here, too.

Before you can obtain compensation for the losses, you must consider the deductible. Home insurance policies nearly always have one. This is the amount you are responsible for paying before the insurance company kicks in to pay the rest.

The key here is to know what your deductible is. Then, consider the value of your patio furniture. If the value isn’t significantly below the deductible, there is no benefit in filing a claim. You will not receive funds for it.

Whether you have a wicker patio set or an elegant set of Adirondack chairs, your home insurance policy usually pays out based on the value of the items before the storm occurred. This takes into consideration depreciation since you purchased them.

If your policy offers replacement cost coverage, on the other hand, they may pay enough for you to purchase a new piece of furniture similar to the one you have now.

When an event like this occurs, take pictures of what happened. Then, contact our insurance agency. We will walk you through the process of determining if you have coverage, what your deductible is, and how much you could receive for the loss. Storm damage is a typical type of coverage for most policies.

Your home may be destroyed by a fire, flood, storm or other catastrophe. You’re scrambling around to get your life back in order and you may think that things couldn’t get worse. Well, they can and often do because of people who can’t spell contractor without c-o-n.

The period after a serious loss is hectic, emotional and disorienting. Your major concern is to get your home repaired or rebuilt. These elements make you very vulnerable to “CONtractors” – people who specialize in victimization instead of construction and in rip-offs rather than repairs.

Keep in touch with our agency during such trying times. We’re already committed to providing genuine help and guidance.

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Home Insurance in Decatur, GA
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