Understanding Your Georgia Homeowner’s Insurance Policy

When you first get Georgia homeowner’s insurance, you may have a little trouble understanding the policy and what you need to do. Any type of insurance can be confusing. However, it is important that you understand the policy so that you can know what to expect should you ever have to make a claim. Here is your guide to understanding your policy for Georgia homeowner’s insurance.

 

There are a few main parts to the policy that you will need to understand. The first part will be coverages.  The main coverage will be the amount of money your home is covered for if it is damaged or destroyed. This will also include something called liability. Basically, this part of your coverage will cover the costs if anyone ever gets injured in your home. Each of these types of coverages will have a maximum limit. This will be the maximum amount that the insurance company will pay out.

 

In addition, you need to understand the deductibles. These will be the amounts that you will need to pay if you have to make a claim. The higher the deductible is, the less you will pay on your policy each month. However, this will mean you have to pay more when you need to make a claim. If your deductible is lower, you will have to pay more each month, but you will pay much less when you make a claim.

 

Finally, you will need to understand extended or add on coverage. These will be extra policies to cover certain situations. For example, if you have a large amount of jewelry or a great number of electronics, then you will need to have extended coverage on them. In addition, extended coverage can handle such situations as flood or sewage backup.

 

By understanding your Georgia homeowner’s insurance policy, you will have a better idea of what you are paying for and you will be better prepared if you need to make a claim on that policy.

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I want to say thank you to Jackson Insurance for the many years of service. They have been there for me through many life changes and I have trusted them to make sure my family is protected. They have treated me like family and have taken care of all my insurance needs. Thank you again, I look forward to many more years with you.

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