Home Insurance to fit your budget
Free Homeowners Insurance Quotes in Decatur, GA
Is Your Home Underinsured?
A Quick Guide to Insuring Your Home
- 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.
- 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.
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.
Your Definitive House Hunting Checklist
1. Check your credit score
Unless you are buying a home outright, you will need a mortgage—and lenders won’t let just anyone borrow. If your credit score is low, consider putting off house hunting until you get it higher. Also, go over your credit report and look for any mistakes that could be bringing your score down, then get them fixed.
2. Protect your finances with a renter’s insurance policy
Most likely, you are renting for now until you buy your home. The risk here is if you don’t have a renter’s policy, one bad day could ruin your chances of affording a home. Renter’s policies are affordable and help set you up for a better future once you buy.