Types of Coverage for Georgia Home Insurance
As a homeowner, you’re susceptible to a number of unexpected events — but with the right homeowners policy, you can gain peace of mind you’ll be protected from hazards like:
- Falling objects
- Frozen interior plumbing
- Water damage from plumbing, heating or cooling system
- Weight of ice, snow or sleet
Finding the best coverage to protect your home starts with understanding your options. Here are some common coverages to get familiar with:
Coverage A: Dwelling
Pays to rebuild or repair your home.
Coverage B: Other Structures
Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences.
Coverage C: Personal Property
Covers your personal belongings, including furniture, clothing and appliances, if they are stolen, damaged or destroyed.
Coverage D: Loss of Use
Pays for additional living expenses if your home is uninhabitable due to a covered loss.
Coverage E: Personal Liability
Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
Coverage F: Medical Expense
Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
Optional Coverages for Georgia
Your coverage needs will vary depending on where your home is located. Are you situated in a cozy suburb of Atlanta or do you wake up to the coastal ocean breeze? Coastal homes in Georgia are prone to hurricanes, so making sure your homeowners policy best equips you for this risk is extremely important. So what can you do? There are a few things to know about insurance for hurricanes in Georgia:
Georgia Home Insurance for Flood Insurance
Homeowners insurance policies do not cover flooding caused by a hurricane. In fact, your home insurance policy doesn’t cover flooding at all. But American Family offers flood insurance in Georgia from the National Flood Insurance Program. This coverage will protect your home and its foundation as well as your personal belongings from damage caused by flooding. Whether you live in a hurricane-prone area or not, it’s a good idea to have flood insurance.
View Flooding Insurance >
Wind damage is typically covered by your homeowners insurance policy, but many hurricane-prone states won’t cover windstorm damage from hurricanes. If you live in Georgia and want to ensure you’re covered for damage caused by hurricanes, your agent can help walk you through your options.