Homeowners Insurance FAQ in Covington, GA

Homeowners insurance generally covers your home’s structure, personal belongings, and liability for injuries or property damage to others. In Georgia, standard policies may cover repairs or replacements from incidents of fire, theft, windstorms, and certain types of water damage. Coverage for detached structures like garages or sheds can also be included, but it’s important to review your policy for specific details.

Replacement cost coverage pays to repair or replace your home and belongings at today’s prices, without deducting for depreciation. Actual cash value, on the other hand, factors in depreciation, meaning you may receive less for older items.  

While most homeowners insurance policies in Georgia cover wind and hail damage, flood damage is typically excluded. To cover your home against floods, you may need a separate flood insurance policy. Your insurance broker can guide you through your options and help you secure the proper protection for your property. 

If you experience damage, contact your insurance broker as soon as possible. They can help you with the claims process, help document your losses, and work with your insurance carrier to resolve your claim efficiently. Keeping an up-to-date inventory of your belongings can make the process smoother. 

Many policies provide coverage for personal belongings even when they’re away from your home, such as items stolen from your car or lost while traveling. Coverage limits and exclusions may apply, so it’s important to review your policy or speak with your insurance broker for clarification.