HOME INSURANCE. THOUGHTFULLY COMPARED.
For the place
you make your own.
A home is more than an address. We’ll help you compare insurance options for your house, your belongings, and the life you’ve built there.
Independent guidance · Gainesville & Buford
WHAT’S INSIDE A HOMEOWNERS POLICY?
The home. The things inside.
The life around it.
These common coverage areas are a starting point for understanding the options.
Dwelling
Your house and attached structures, for damage from covered causes of loss.
Other structures
Detached features such as a garage, shed, or fence, subject to policy limits and conditions.
Personal belongings
Your furniture, clothing, and other belongings. Special limits can apply to valuables.
Loss of use
Eligible additional living expenses when a covered loss makes your home temporarily uninhabitable.
Personal liability
Protection for certain injuries or property damage for which you’re legally responsible, subject to the policy.
Medical payments to others
Limited coverage for certain medical expenses when someone else is injured, subject to policy conditions.
Coverage depends on your policy, limits, deductibles, exclusions, and state. Learn more in NAIC’s homeowners insurance overview.
A NUMBER WORTH UNDERSTANDING
Rebuilding cost and
market value can differ.
A home’s sale price or tax assessment doesn’t necessarily tell you what it would cost to rebuild with similar materials and workmanship. We can help you review the information used to estimate that cost.
Three details to review together
- The home itself
Size, construction, roof, renovations, and other property details.
- How claims are settled
Ask where replacement cost or depreciation applies in the options you’re comparing.
- Your deductible
Compare the premium with what you could pay out of pocket after a covered loss.
LET’S GET YOUR HOME QUOTE STARTED
Tell us about the place
you call home.
Select Home below and continue through the form. For a condo, rental, mobile home, or another property type, choose the closest option and tell us more in the message field.
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