Making Insurance Easy and Affordable for Marietta Georgia

Marietta Home Insurance

WHY invest in Affordable Marietta Home Insurance?

marrietta-home-insuranceIf YOU live in Marietta, GA your home is probably your largest and most important investment you’ve ever made in your life.

Here are a few tips to make sure you get the right coverage.

NEXT call us or visit us for a free quote at:

(404) 892-2864
1830 Water PL STE 105, Atlanta, GA 30339

A typical Marietta homeowner’s policy generally has four parts.

COVERAGE FOR THE STRUCTURE

This covers damage to your home from fire, storms and other disasters. YOU would be smart to insure your home for 100 percent of what it would cost to rebuild it. (Not what you necessarily paid for it.)

Any basic homeowner policy will insure your home against major disasters, except for flood, earthquake, war or nuclear accident. By the way, in case you were wondering … it will cover other structures on your property like a separate garage or shed.

COVERAGE FOR CONTENTS

Imagine that you had a fire or a theft in your home. Most typical plans will help to recoup the expense of replacing your personal belongings if they are stolen or lost in a fire.

How much can you expect?

The standard coverage limit is equal to 50 percent of your homes structure value. (Minus the land)

Lets take an example.

We will assume it will cost $300,000 to rebuild your home.

Then YOU would be covered for $150,000 of insurance coverage on your personal belongings.

Will that be enough?

Make a detailed list of EVERYTHING you own. YOU  might be surprised how fast it adds up! While your at it take pictures and upload them to a cloud service or place them in a safety box so they are not destroyed or stolen.

LIABILITY PROTECTION

A standard home insurance policy protects you in the following ways:

  • It covers damage to other people’s property. If your tree falls on a neighbors house, your policy will cover the cost of the damages.
  • It covers personal liability. Lets say someone slips and falls on the ice in the front of your home. Your home owners policy pays for both the cost of defending you in court and any court awards — up to the limit of your policy.
  • It also covers medical bills for injuries suffered by slipping on the ice.

PLEASE NOTE:

Typical homeowner policies give you a minimum of $100,000 of liability protection. YOU might want to increase that to at least $300,000 in protection or more, depending on your assets.

REIMBURSEMENT FOR ADDITIONAL LIVING EXPENSES

What would you do if a fire destroyed EVERTHING in your home? Where would you stay?

Your insurance coverage includes hotel bills, restaurant meals and rental car bills. Many policies provide coverage equal to about 20 percent of the coverage on your house.

Do YOU own expensive jewelry or art?

Don’t make this amateur mistake.

Did you know that coverage for jewelry, for example, is limited to about $1,000 to $2,000 on standard policies?

Talk to your agent about investing in additional riders to cover them. We are here top help 🙂

What about FLOOD Insurance?

Hurricane Sandy taught everyone a lesson about flood coverage.

Don’t wait until it is too late.

You can purchase a Federal flood insurance policy directly from your insurer if you think you live in a flood zone.

Marietta home Insurance Discounts

Did YOU know that there are many discount programs that we use every day to save folks like you money? Call us so we can share these with you!

Save $$$ by choosing a higher deductible

Did you know that buying a policy with a $1,000 deductible will be alot less than one with a $500 one?

This serves TWO purposes:

  • SAVES you money each year
  • PREVENTS you from making small claims. (Did you know that MOST carriers may cancel you if you make more than two claims in one year?)

OK, now its up to YOU to pick up the phone so we can share all of our discount programs to save you money on your Marietta home insurance.

We look forward to helping YOU soon!

(404)892-2864
1830 Water PL STE 105, Atlanta, GA 30339