Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Information
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. Call us at (770) 565-9900 or fill out an online form for a free quote today!
Common Home Insurance Questions
The cost of home insurance varies depending on several factors, including the value of your home and coverage limits. In Georgia, the average cost of home insurance is about $102.33 a month.
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.
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.
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.
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.