Homeowners Insurance

Comprehensive Homeowners Insurance in Kennesaw, GA

Protecting Your Kennesaw Home with Local Expertise

At Hembree Insurance Agency, we understand that your home is more than just a building—it’s your sanctuary, your biggest investment, and the heart of your family’s life. As a local, independent insurance agency, we specialize in providing tailored homeowners insurance in Kennesaw, GA, and the greater Cobb County area. We don’t just sell policies; we build relationships and provide the expert guidance you need to protect what matters most.

Why Every Kennesaw Homeowner Needs the Right Coverage

Navigating the world of insurance can be complex. That’s why we’re here to simplify it. A standard homeowners policy provides essential protection, typically covering:

Dwelling Coverage: Protects the physical structure of your home against covered perils like fire, wind, hail, and vandalism.
Other Structures: Covers detached buildings on your property, such as a detached garage, shed, or fence.
Personal Property: Helps replace your belongings if they are stolen or damaged by a covered event.
Loss of Use: Pays for temporary living expenses (like a hotel and meals) if your home becomes uninhabitable due to a covered loss.
Personal Liability: Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property.

However, it’s the details that matter. What many homeowners don’t realize is that their eligibility for a policy and the type of coverage they receive can depend on factors they might not have considered.

Crucial Update for Kennesaw Homeowners: The Impact of Your Roof’s Age

In recent years, we’ve seen a significant shift in how insurance companies evaluate homes, and your roof’s age has become a top factor in policy eligibility and cost. This is especially true in areas like Kennesaw, where severe weather can take a toll on roofs.

The 15-Year Threshold: A Key to Know

While there is no single rule for all insurers, a roof that is 15 years or older can significantly impact your insurance options. Here’s what you need to know:

Eligibility & Underwriting: Many insurance carriers are now scrutinizing roof age more than ever. For a new policy, a roof older than 15-20 years can be a major red flag, potentially leading to denial of coverage or a requirement for a professional inspection before a policy is issued.
Replacement Cost Value (RCV) vs. Actual Cash Value (ACV): This is a critical distinction.
- Replacement Cost Value (RCV): This is the gold standard. It covers the cost of replacing your roof with a new one at today’s market prices, without deducting for depreciation.
- Actual Cash Value (ACV): This is what you’ll often be limited to with an older roof. It pays out based on the depreciated value of your roof, considering its age and wear and tear. For example, a 20-year-old roof may only get a fraction of its replacement cost back in a claim, leaving you with a huge out-of-pocket expense.
Inspections & Renewals: Even if you have a policy, an insurer may require a full roof inspection at renewal time once your roof reaches the 15-year mark. If the inspection reveals significant wear, you might be required to replace the roof to keep your coverage.

Our Expert Take: We recommend that all Kennesaw homeowners know the age of their roof and its condition. If your roof is approaching the 15-year mark, it is the perfect time to get a professional inspection and proactively discuss your options with us.

We Are Your Local Experts and Advocates (E-E-A-T in Action)

In a world of faceless online quotes and national call centers, Hembree Insurance Agency offers a level of trust, expertise, and personal service that is invaluable.

Experience: With years of experience serving the Kennesaw community, we have a deep, firsthand understanding of local housing stock, common weather risks, and the specific underwriting requirements of top carriers in Georgia.
Expertise: Our licensed agents are experts in the intricacies of homeowners policies, including endorsements for crucial coverages like water backup and flood insurance (which standard policies do not cover).
Authority: We are an established, trusted resource in Kennesaw. We don’t just sell insurance; we educate our clients, empowering you to make informed decisions about your most valuable asset.
Trustworthiness: We are independent agents, which means we work for you, not a single insurance company. We’ll shop multiple carriers to find a policy that fits your home’s unique needs and a price that fits your budget.

Ready for a Personalized Kennesaw Home Insurance Quote?

Don’t let the age of your roof or the complexities of insurance leave you vulnerable. We are here to help you get the right coverage for your home, ensuring you have the protection you need for years to come.

Contact Hembree Insurance Agency today for a free, no-obligation quote and a personalized policy review. We’ll help you understand your options and secure your peace of mind.

Call us now at (770) 565-9900 or visit our local Kennesaw office at 5150 Stilesboro Rd NW STE 420, Kennesaw, GA 30152.

Hembree Insurance Agency: Protecting Kennesaw Homes, from the Foundation to the Rooftop.