Homeowners Insurance in Milledgeville GA
The right home insurance is essential to protect your property from unexpected losses. At [zy_Russell_ Harding_ Insurance], we’re committed to helping Georgia homeowners find the best policy for their needs.
What Is Home Insurance and What Does It Cover?
Home insurance is a package policy that may cover damage to your own property and your liability for any injuries and property damage that you may have caused to a third party.
A typical policy may provide the following:
- Dwelling coverage may pay for the repair or reconstruction of your home’s physical structure after a fire, lightning, burglary, vandalism and certain natural disasters.
- Other structure coverage may cover damage to detached structures such as a garage, gazebo or shed.
- Liability coverage may help cover legal and/or medical expenses if you’re found at fault for causing bodily harm or property damage to a third party.
- Personal property coverage may cover the replacement of your appliances, clothes, electronics and furniture.
- Additional living expenses coverage may reimburse you for food, shelter and other costs if you have to move out of your home temporarily after a covered risk.
Do I Need Home Insurance?
Georgia does not require home insurance. However, your lender may ask you to submit proof of insurance if your property is under a mortgage.
How Is Home Insurance Calculated?
Insurers in Georgia may use the following factors in calculating your home insurance premium:
- The location and value of your home
- Your credit and claims histories
- Your deductible
- Your coverage limits
- Environmental factors, such as exposure to flood or wildfire
- Home Insurance Near You
Contact Russell Harding Insurance to learn more about our offerings or to request a quote.