Homeowners Insurance

For Homeowners In Marietta, Kennesaw, Douglasville And Surrounding Areas In North Georgia

With great schools, job opportunities and entertainment, Georgia is a fantastic state to settle down in. If you’re looking for a home, you know that it’ll be an expensive investment. To keep that investment covered, you’ll need a reliable home insurance policy in case of an accident or incident.

Hembree Insurance Agency works with a variety of carriers to find you the lowest home insurance rates in Georgia for coverage you need. For 20 years, we’ve served Georgia residents with amazing customer service and even better insurance. Let us help you protect your home from whatever life may throw its way.

Common Home Insurance Questions

What Is Homeowners Insurance? 
Homeowners insurance can give you a financial defense if you have loss or damage to your home or possessions from an insured incident. Typically, a home insurance policy also provides liability coverage if you or a family member causes bodily injury or property damage to a third party and coverage for a guest’s injuries sustained on your property. There might be additional options for home insurance and supplemental coverages that might give you more robust coverage. We can discuss what home insurance is best for your situation.

How Does Homeowners Insurance Work? 
Homeowners insurance is a contractual agreement with an insurance company. In exchange for providing coverage, you pay your insurer a premium. The first step in obtaining home insurance is to find a suitable policy for your needs.

Each insurer has its own claims process if you need to file a claim for a covered loss. Generally, an insurer will review your claim, decide its legitimacy, and then issue a check so you can begin to recover. We can discuss how the process works at Hembree Insurance Agency so you know what is involved if you need to file a claim with us.

What Is Covered By Homeowners Insurance?

Homeowners insurance generally covers:

• Dwelling: This coverage provides compensation for damages done to the physical structure of your home. It covers such incidents as fire, smoke, lightning, wind, hail, theft and vandalism.
• Personal Belongings: This coverage will compensate you for items lost or damaged, due to one of the incidents listed above.
• Liability: This insurance covers bodily injury and property damage that may occur on your property. It can help with medical expenses and possible legal fees that arise from a lawsuit regarding the accident.
• Additional Living Expenses: In some cases, your home may be damaged enough that it’s not safe to live in. In these cases, Additional Living Expenses (ALE) helps pay for the cost of living elsewhere while your home is under repairs.

How Much Home Insurance Should You Carry?

It’s recommended that you carry dwelling coverage for 80 percent or more of your home’s total replacement value. For liability, we recommend at least $300,000.

How Many Home Insurance Claims Is Too Many?

There is no hard line on how many insurance claims you can file before finding issues. Filing more insurance claims usually means increased premiums, however. And an insurance agency may drop you for filing too many claims, especially if they’re fraudulent. In general, filing more than two home insurance claims within three years shows that you are high-risk and may result in raised premiums.

Does Home Insurance Cover Appliances?

Most appliances are covered under your home insurance policy so long as the loss or damage is due to a covered incident as listed above.