10 pro tips for buying homeowners insurance in Atlanta, GA

We've got some tips for buying home insurance.

When buying home insurance, it's important to make sure you have enough coverage to completely rebuild your home.

Home insurance may not be your favorite thing to think about. We get it – home insurance can get complicated. Maybe you had a stressful experience in the past, or maybe you’re getting coverage for your first home and you’re a little overwhelmed. Or maybe you’re shopping for rates.

But don’t worry: we’ve got eight pro tips for buying home insurance coming your way.

1. Bundle your home and auto insurance.

Bundling is when you get multiple types of coverage from the same company. Some companies offer discounts for bundling your home insurance and auto insurance, so this could be an easy way to get some savings. Of course, it’s still a good idea to get multiple quotes for home and auto insurance and shop around to make sure you’re getting the best coverage at the best price.

2. Don’t sacrifice coverage for price.

It might seem like a great idea to jump at the lowest price you can find. But before you do, you need to take a good look at the various coverages and limits offered by each policy. One policy may be more expensive, but it might include more extensive coverage and protect you from more losses than another, less expensive one. Make sure you’re comparing apples to apples. And don’t sacrifice coverage for the sake of paying less – this is your home you’re insuring, remember.

3. Be aware of any exclusions.

Knowing exactly what your policy does and does not cover is important.

Here’s the thing:

Home insurance comes with certain exclusions (or losses that simply aren’t covered.) For example, flooding is a common home insurance exclusion. It’s a good idea to familiarize yourself with any exclusions and limits in your policy so you can add coverage as needed, such as extra coverage for jewelry or valuables. It’s always best to be prepared, right?

4. Insure your home for its reconstruction value.

If your home was destroyed by a fire, you would want all of the expenses of rebuilding it to be covered, yes?

To make sure homeowners insurance will give you a brand-new house, you need to take reconstruction costs into account. That means the expenses of demolition, clean-up, and construction. Covering these (surprise) expenses means insuring your home for its reconstruction value, not its market value (which would leave you high and dry where those construction costs are concerned.)

When buying home insurance, it's important to make sure that you have enough coverage.

5. Insure your belongings for their replacement cost, not their actual cash value (ACV.)

Here’s the difference:

Replacement cost coverage allows you to replace your belongings at today’s prices.

Actual cash value only gives you the cost of your belongings at the time of the loss. Since depreciation is the fact of life, chances are that amount you get from insurance will be less than what you paid for your belongings…and probably not enough to replace them at today’s prices.

6. Don’t skip your home inventory.

A home inventory is basically a list of all your belongings and their value. Taking a home inventory helps you get an idea of how much coverage you need to for your personal property. It can also help you if you ever have to file a claim – you’d know exactly what you need to claim, and having an inventory (preferably with pictures) adds credibility.

7. Do some research on the company you’re considering.

This is the company you’re trusting to have your back if you have a claim. Be sure to check out their financial stability, customer service record, and claims-handling process and reputation. You want a company that’s going to be there for you, so do some research about Georgia home insurance companies.

8. Don’t forget to ask about discounts.

Discounts are a great way to save money. Basically, you get a reduced price for meeting certain qualifications. For instance, you could get a discount for having a monitored burglar alarm or for bundling your home and auto insurance. Now, different companies offer different discounts, so be sure to ask about potential savings when you’re shopping for insurance.

9. Ask family and friends.

Why not ask your family and friends for home insurance recommendations? It can be hard to know where to start with insuring your home, but you might get some leads by asking around. It never hurts to ask.

10. Shop around.

Shopping around for home insurance can help you save money on your rates and find out what options are out there. Every insurance carrier evaluates risk differently, so it can pay off to get multiple quotes. You don’t have to feel obligated to take the first option you find.

Our team would be happy to help you shop for your home insurance. Our goal is to make insurance easy and help homeowners save money. To get home insurance quotes, fill out our online form or give us a call today.

What you need to know about homeowners insurance if a tree falls

If a tree falls on your house, your home insurance will most likely cover you.

If a tree falls on your house, your home insurance will most likely cover you.

Atlanta is known for being a city with a lot of trees. The local flora is picturesque and pretty, but it does raise some questions about home insurance. First and foremost: does homeowners insurance cover fallen trees? Second: does homeowners insurance cover a tree falling on my neighbor’s house? Then that raises the question of what if a tree falls on my car, on my fence…You get the point. There are a lot of possibilities involving trees. Anyways, we’ll answer all of those tree-related questions. It’ll be tree-rific.

Does homeowners insurance cover fallen trees?

Most likely, yes. Indeed it does. If that oak tree in your yard blows over and crashes into your house, your home insurance would most likely cover the costs of repairs to your roof and house. And most home insurance policies include coverage for storms and lightning strikes, so you should be good to do. Of course, it’s always a good idea to read over your policy so you understand exactly what circumstances are covered. But ideally, all it would take is submitting a home insurance claim and you can get the tree removed from your home and the damage patched up.

Does homeowners insurance cover damage to my neighbor’s house?

You go to answer the door. It’s your neighbor and they do not look happy. It only takes a quick glance down the street to find out why. Your beautiful oak tree has smashed into their roof. Uh oh.

So, what happens in this scenario? Would your home insurance cover it? The answer is no. It would actually be the neighbor’s home insurance that would cover the claim, so they would have to go through their home insurance company to get the tree situation taken care of. They probably won’t be too happy about having to pay their deductible, but that’s the way it works.

On the flip side, if your neighbor’s tree falls on your home, it’s your home insurance company that will cover the claim … and you would be the one on the hook for your deductible. Basically, the rule goes that if it’s your house, it’s your insurance.

Now. There’s something else you need to know about trees. Let’s say that your neighbor informed you about a diseased tree that they fear will fall. They nag you about it multiple times because they want you to take it down. Even better, let’s say they have their warning in writing and stamped with the date (i.e. in an email.) But you put it off and never got around to it. The diseased tree falls onto the neighbor’s house, damaging their roof. If they can prove that you were aware that the tree was dangerous and did nothing about it, their insurance company can come after you to reimburse the neighbor for their deductible. Just a tidbit to be aware of, the moral of which is to have any diseased or hollow trees removed safely. And to have your yard and property checked for problem trees about once a year so you can get them taken care of.

What if a tree falls on my car?

If a tree squashes your car, your home insurance would not cover it. However, your auto insurance would – if you purchased comprehensive coverage (if you didn’t, you’re out of luck.) Comprehensive coverage protects your vehicle against damage not caused by a car accident; it usually covers fire, theft, animal strikes, and yes – falling trees. You’d only have to pay for your deductible.

If it’s your neighbor’s car that gets flattened, same rule as home insurance: their car, their insurance. If your neighbor’s tree decides to squish your car, your insurance. See? Insurance isn’t always complicated.

What if a tree falls through my fence?

A fence, while it might ward off trespassers and keep your dog in the yard, will not deter a falling tree. The good news is that you probably have “other structures” coverage in your home insurance, which covers things like detached garages, sheds, patios, driveways, and, yes – fences. You’ll have to check your policy to make sure that it does indeed offer these coverages and to check what the limit is for other structures.

So, there you have it: homeowners insurance will indeed cover your home if a tree falls on it. Aren’t you re-leafed? (Sorry, we were on a roll with the puns.) Potential disputes with neighbors notwithstanding, you’re good to go where trees are concerned. However, it’s always a good idea to review your policy thoroughly so that you know exactly what is and isn’t covered.

Do you want to save money on your home insurance? We can help with that. If you’re looking for quotes for insurance, our team of home insurance experts would be happy to shop your rates for you. All you have to do to get home insurance quotes is to fill out our quick form or give us a call today.

Why was my homeowners insurance claim denied?

There are a number of reasons that a home insurance claim could get denied.

There are a number of reasons that a home insurance claim could get denied.

Filing a home insurance claim can seem like a daunting, draining process. Maybe after you filed your claim you felt like you ran a marathon – exhausted but proud of yourself for a job well done. You dusted off your hands and went on with your life. But then you get the bad news – your home insurance claim has been denied. Now you feel like someone hit you with a very heavy object. The big question reverberating through your mind might be, why was my home insurance claim denied? There are a variety of reasons that an insurance company might deny a claim, and we’ll go over six of them below.

1. Not filing the claim quickly.

You can’t dilly-dally about filing your claim. Your policy most likely stipulates that you have to tell the insurance company about losses right away – there are deadlines for filing claims. Make sure you understand any relevant timeframes that apply to your policy and respect them.

2. Not having thorough enough details or records of the loss.

If you don’t submit detailed and accurate documentation of the loss, the insurance company doesn’t have as much information to go by. You need to present them with plenty of evidence about your claim to prove it. Don’t forget to include pictures if it’s safe to take them!

Taking a home inventory can help you put together your claim. A home inventory is basically a list of all your belongings. If you have that list at the ready, you’ll know exactly what’s been lost and it will be easier to create a detailed, orderly claim.

3. The loss isn’t covered by your policy.

Home insurance comes with many exclusions or losses that simply aren’t covered by your insurance. For example, floods are common home insurance exclusions – you have to purchase flood insurance separately. If you don’t have flood insurance and you file a claim for flooding or surface water damage, your claim will be denied. Likewise with any other losses that are excluded. Anyways, the moral is familiarize yourself with your policy so that you understand all of the exclusions. You don’t want to accidentally file a claim for something you don’t have coverage for and then be disappointed. If you have any questions about your coverage and what is or isn’t covered, be sure to check with your agent.

4. Dubious information in your application or claim.

The insurance company will send out an adjuster to inspect the damage and look into your claim. Should the adjuster think that something’s not right with your application for coverage or with the claim (meaning they think something is fishy) your claim may not go through.

5. You didn’t take steps to protect your property from additional damage.

As the homeowner, it’s down to you to reduce the chances of additional harm coming to your house following a loss. This is usually a policy requirement. Basically, you’re trying to make sure that the situation doesn’t get any worse. For example, protecting your home could mean spreading tarps over damaged areas of the house to prevent rain or water from wreaking further havoc.

6. Not paying your insurance bill.

If you don’t pay your home insurance premium promptly, the insurance company could deny your claim. Paying your premiums on time is kind of a big deal because it’s generally a good idea to pay the insurance company.

Having a home insurance claim be denied can be stressful. Make sure you read through your home insurance policy carefully so you know about any time restraints for filing claims and any exclusions in your coverage. Keep detailed records of the loss to your home to give the insurance company. Otherwise, if you file the claim promptly, the loss is covered, and you’ve paid the insurance company on time, you should be good to go.

Do you feel like you’re paying too much for home insurance? We can help you save money on your premium by shopping around for the best possible rate. All you have to do to get home insurance quotes is fill out our online form or give us a call today.

Source:

https://adjustersinternational.com/reasons-denial-claim

How is an Atlanta homeowners insurance premium calculated?

Your home insurance premium is determined by many factors.

Your home insurance premium is determined by many factors.

Along with being a homeowner comes the need to get home insurance. Whether you’re in the process of buying your first home or you’re just switching insurance companies, you might be wondering what affects home insurance rates. Maybe you have a general idea of the average cost of home insurance in Georgia, but how do insurance companies come up with your premium? They don’t just pull a number out of thin air (though it may feel that way sometimes.) We’ll explain how home insurance premiums are calculated by giving a run-down of the factors that affect your rates.

1. Your home’s reconstruction value influences your premium.

If your home was completely destroyed by a fire, you would need enough insurance cover the cost of rebuilding it, including construction and clean-up costs. This is different than the market value of your home and the amount left on your mortgage. The materials your home is made of play a large part in determining your home’s reconstruction value and your insurance rates – the higher the reconstruction value of your home, the more insurance you need. And, of course, more insurance means more money.

2. Your claims history.

The more claims you’ve filed, the higher a risk you are to insure. Insurance companies tend to avoid risk where possible, so you’ll probably pay more in premium if you’ve had a few claims in the past few years.

3. Your credit score.

The main reason why your credit score impacts your home insurance premium is that it’s an indicator of risk. A high credit score shows that you’re a low risk while a poor credit score makes you a higher risk. Basically, that means the better your credit score, the better your home insurance premium.

4. The age of your home.

Newer, younger homes tend to have lower premiums because they’re made of updated materials and have safer wiring. Older homes may have unsafe electrical wiring that could cause a fire, and they may be made out of materials that aren’t easy to upgrade or replace.

5. Whether you have a pool or trampoline.

Pools and trampolines are called attractive nuisances because they’re irresistible and dangerous. Someone could get hurt while swimming in your pool or bouncing on your trampoline, which opens you up to more risk. So that means you could end up having higher premiums.

6. How close you are to a fire department.

If you’re close to a reliable fire department, they’ll be able to respond fast to a fire at your home. You may end up facing less damage to your home, and that means that you could get lower home insurance premiums.

7. If you have jewelry that requires extra insurance.

If you own expensive jewelry, artwork, or collectibles, you may not have enough coverage included in your policy to fully cover them. So, you’ll need to figure out how best to insure your jewelry, and that could mean adding a rider or endorsement (basically extra coverage) to your policy.

8. If you have a dog.

Yes, it’s true – your dog can affect your home insurance rates in a pretty big way. Insurance companies usually have a “dangerous dog list” that consists of breeds that are known for their aggression. The list includes breeds like pit bulls, Dobermans, Rottweilers, and even huskies. Dog bites are a major cause of liability-related home insurance claims, so if your dog has bitten someone or you have a high-risk breed you may face significantly higher premiums.

Yes, we know Fluffy is completely harmless. It’s just that the insurance company isn’t convinced.

9. How long you’ve been with your current insurance company.

Insurance companies really value loyalty. You may receive some sort of discount if you’ve been with them for years and years.

10. Discounts.

If you qualify for discounts on your home insurance, you could be looking at getting some pretty nifty savings on your premiums. For example, having a home security system could qualify you for a homeowners insurance discount, as could bundling your home insurance and your auto insurance. And you could get a discount if you go for a certain amount of time without having a claim.

At any rate, check and see what discounts could be available to you. They play a significant role in how much home insurance costs.

These are some of the most common factors used to determine home insurance premiums. Risks are a major part of calculating home insurance premiums; the lower a risk you are, the better your insurance rates could be.

If you think you’re paying too much for home insurance, we can help. Our agents are experts at saving people money on their insurance by helping them shop around for the best coverage at the best price. All you have to do to get started with your home insurance quotes is fill out our online form or give us a call today.

How to choose a homeowners insurance deductible in Atlanta

It can be hard to know how to choose a home insurance deductible.

It can be hard to know how to set your home insurance deductible.If you’re a homeowner, you know the drill with getting home insurance. You’ve done the whole “insurance shopping” thing and done your research about the best Georgia home insurance companies. You had to choose a deductible, and maybe you looked at all the different options, shrugged, and picked one. But maybe now you’re wondering how your deductible affects your home insurance rates, or maybe you’re considering raising it to save money on home insurance. At any rate, you’re wondering how to choose a home insurance deductible – and, perhaps, what a deductible is. Well, sit tight – we’ll answer both of those questions!

Your home insurance deductible explained.

To explain briefly, your deductible is the amount you agree to pay if you have a claim before the insurance company will step in to cover the claim. Basically, it’s your portion of the loss (you have your piece, the insurance company has the rest.)

For example, let’s say you have a house fire. You end up with $18,000 with of damage to your home. If your deductible is $1,500, you’d pay $1,500 and your insurance company would pay the leftover $16,500. Essentially, you’d file a claim for $18,000 and receive $16,500 from insurance.

How does your deductible affect your home insurance rates?

That’s the question. See, the thing is that your deductible influences your home insurance premium (the amount you pay for insurance.) The higher you set your deductible, the lower your premium. That’s because you’re accepting more risk, and at the same time you’ll be less likely to file a small claim – it’s not worthwhile to file a $1,800 claim if your deductible is $1,500. You would only get $300 back, and filing too many minor claims can lead to your coverage being nonrenewed. If you have a lower deductible, you’ll most likely have higher premiums to compensate.

So. It’s more than just a number to pick out of thin air.

Pro tip: When you’re shopping, ask if you can compare deductibles to see how changing it would affect your premium. That will give you an idea of exactly how much you can save if you can comfortably afford a higher deductible.

What is a typical deductible?

Deductibles can range from $500 to a few thousand. You can choose the amount that’s right for you – and we’ll explain how to do so.

How to choose a home insurance deductible

There are a few questions to ask yourself.

  • How much cash or savings do you have set aside for emergencies?
  • How financially secure are you?
  • Would you rather pay more if you have a claim and have a lower premium, or pay more in premium and have insurance cover more of a claim?

It’s kind of like giving yourself an insurance-related interview. You have to consider how much money you can comfortably afford to pay if you have a home insurance claim. Sure, you may want to save some money on your home insurance, but you don’t want to be staring forlornly at an empty piggy bank, turning out your pockets and scouring the couches for change if you have a claim. The idea is to not go broke if you have a claim.

Pro tip: Set aside an emergency fund that can cover your deductible in case you have a claim.

So, you have some choice when it comes to choosing your deductible. You get to set it, but take care not to select an amount that’s more than you can afford to pay if you have a claim. Yes, it’s highly tempting to shave some money off of your home insurance bill, but you need to find the balance that works for you.

If you’re looking to save money on your Atlanta home insurance, we can help you. We can get home insurance quotes from some of the top carriers in the nation, and we would love to team up with you to help you save money on your rates. All you have to do is fill out our online quote form or give us a call today.

10 quality tips for space heater safety this winter in Atlanta

It's important to keep safety in mind when you're using a space heater.

It's important to keep safety in mind when using a space heater.

With December officially here, it’s about to get a lot chillier in the ATL. In an attempt to save money on your heating bill, you may have decided to get some electric space heaters for your home. While they can keep your home toasty and cozy during the winter months, they also present an electric shock hazard and a fire hazard. According to the NFPA, supplemental heating is the leading cause of fires from December through February. To help you use your space heaters safely, we’ve got some quick tips.

1. Give the heater a personal space bubble.

Keep anything flammable at least three feet away from the space heater. Give the heater its own spot and don’t crowd it. If anything flammable, like fabric, furniture, or curtains, get too close to the heater, it could cause a fire. Clear a special place for the space heater.

2. Plug the space heater into the wall.

Don’t use an extension cord or power strip. Instead, plug the heater directly into the wall and don’t plug anything else into the outlet. An extension cord could overheat and cause a fire. If you must use an extension cord, make sure it’s the right one for the heater.

3. Turn the heater off when you leave a room or go to sleep.

Don’t leave a space heater on when you leave the room or go to bed. It’s not safe to leave a space heater on all night, so you shouldn’t sleep with a space heater on. Bundle up with a few extra blankets on your bed instead.

4. Choose the space heater’s location wisely.

Put the space heater in a low-traffic area of the home – the cord can quickly turn into a trip trap, so keep it out of the way so that no one gets hurt. Also, place the heater on a level surface. Don’t place it on carpet or on a table – these things can get too hot and cause a fire.

5. Keep the space heater in good repair.

If you notice any frayed cords, broken wires, or anything like that, have the unit repaired ASAP and don’t use it until you have. Frayed cords can cause electrical fires, so prevent an electrical fire at your home by keeping all appliances in good repair.

6. Supervise pets and kids around space heaters.

You don’t want any burned fingers or paws, so keep kids and pets away from the heater so no one gets hurt. Don’t forget about childproofing your home – don’t leave your kids or your pets alone with a space heater.

7. Choose an approved space heater.

Select a space heater that’s been approved by a consumer testing laboratory, such as the Underwriters Laboratories. Products that have been approved have gone through extensive safety testing.

8. Get a space heater with auto shut-off and a tip guard.

If possible, choose a space heater with auto shut-off so that you don’t accidentally leave it on. You can also get space heaters with tip guards, which will cause the heater to turn off if it falls over. Both of these features make the space heater safer to have around the house.

9. Use the space heater only for its intended purpose.

The space heater is for warming up a room in your home, not warming bedding, drying clothes, or thawing out pipes. Don’t use the heater for anything other than providing warmth for your home.

10. Put the space heater away when not in use.

When you’re not using the space heater, unplug it and stow it safely away. There’s no reason to leave it plugged in and out in the open when you’re not using it.

The winter months can get chilly, even in Atlanta. If you’re going to use some space heaters to chase away the winter chill, be sure to use them safely. Remember, whenever you’re playing around with heat, you have to be careful and take steps to protect your home from fire. Stay safe this winter, Atlanta!

Are you looking for home insurance? We can help you shop around for your insurance so that you can get the best coverage at the best possible rate. All you have to do to get home insurance quotes is fill out our online form or give us a call today. Your Atlanta Insurance agent is ready to help you with your home insurance mission.

How to get homeowners insurance with poor credit in Atlanta

Getting home insurance with poor credit can be difficult.

Getting home insurance with poor credit can be difficult.

You may have heard that your credit score has an effect on your home insurance rates. Maybe your score isn’t at its best and you’ve noticed a significant hike in your rates. Maybe you’re having a hard time finding home insurance and you fear that your looming, dread-inducing credit is the culprit. The realization that this could be hurting your home insurance might make you feel a bit blindsided. You may be silently (or not silently) fuming at the injustice of it all. But fortunately, we have some tips on how to get home insurance with poor credit.

Why does your credit score affect your home insurance rates?

Insurance companies often calculate what’s called an “insurance score” using your credit information. Your insurance score depends on your outstanding debt, how much credit history you have, if you’ve been on time with paying your bills, and the number of accounts and applications you have.

If you have a good score, you may be able to save money on your home insurance. That’s because insurance companies use these scores to indicate how likely you are to file a claim. The better the score, the lower the risk you’ll file a claim. If you have a poor insurance score, the insurance company may see you as a higher risk. As we said, that could lead to higher insurance rates and difficulties in getting insurance at all.

Now, not all insurance companies calculate an insurance score, but plenty of them do. It’s one of those things that insurance companies use to evaluate risk.

How to get home insurance with bad credit.

Unfortunately, there is no magic cure that will solve the home insurance – bad credit debacle. However, there are some things that you can do to help get you on your way to getting home insurance at a reasonable rate. Here are our tips:

1. Check your credit report for errors.

This is one way you can improve your score – taking a look at your credit report, finding errors, and having them corrected. Remember, you can request one free report from each of the three major credit-reporting agencies (Equifax, TransUnion, and Experion) once a year. Put on your detective hat, comb through your report thoroughly, and see if you can spot any mistakes or oddities. If you do find a mistake or error, don’t be shy about asking to have it fixed.

Pro tip: You may want to check your credit report before applying for home insurance in the first place.

2. Improve your credit score.

Taking steps to improve your score can help you get the home insurance you need. It can also help you get lower home insurance rates – home insurance premiums go up the worse your credit score is. Some things you can do to bolster your score are…

  • Pay off your debt. Get rid of the debt on your cards by making more than the minimum payments if you can.
  • Pay your bills on time. Late payments do not a happy credit score make. Use calendars, phone alerts, or whatever it takes to make sure that you keep up with all of your payments.
  • Set up your payments so that they’re automatic. Find out if there’s a way to set up automatic payments so that your bills are always paid on time.
  • Don’t use your cards so much. Try not to charge so many purchases to your cards. Even getting close to your maximum limit can be harmful to your score.
  • Try to lower your APR. Doing some haggling to get a lower Annual Percentage Rate can help you save on your interest, which can help you make your debt go away more quickly.
  • Limit hard checks on your score. When a lender makes an inquiry about your credit score, that hard check can actually hurt it. Try to minimize the hard checks on your score until it’s healthy enough to manage it.

Pro Tip: NerdWallet cautions against trusting ads that promise to get rid of bad credit or “fix” your score. These could be scams designed to take your money, so be leery of any “quick-fix” solutions.

3. Shop around for home insurance.

Every home insurance company is different, and they’re all comfortable with different levels of risk. They evaluate risk and applications with their own criteria. So, if you don’t find home insurance with the first or second company you try, don’t lose hope. If at first you don’t succeed, try, try again, right? One insurance company is not the same as the next, and it may pay off to keep on looking at different Georgia home insurance companies.

(And remember, Atlanta Insurance can help you shop around for your insurance and help guide you through the process of getting home insurance. You don’t have to be in this alone. We’d love to help.)

So, as you can see, your insurance score can play a huge part in determining your home insurance rates and eligibility. If you’re having trouble getting home insurance, check your credit report for errors, take steps to bolster your score, and shop around for home insurance. Don’t despair – not all is lost.

We can help you shop for your home insurance. We can get multiple quotes for home insurance and find the coverage that suits your needs and your budget. All you have to do to get in touch with our team of insurance experts is fill out our quote form or give us a call today.

Sources:

https://www.credit.com/loans/mortgage-questions/does-your-credit-score-affect-your-homeowners-insurance/

https://www.nytimes.com/2017/05/05/your-money/poor-credit-history-can-affect-homeowners-insurance-rates.html

https://www.nerdwallet.com/blog/finance/turning-fair-credit-good-credit-how-long-will-it-take/

The 10 Best Georgia Homeowners Insurance Companies

Here are our top 10 best Georgia homeowners insurance companies

Here are our 10 best Georgia home insurance companies

If you’re looking to buy a home in the Atlanta area, you might be wondering what the best Georgia homeowners insurance companies are. Choosing a company to insure and protect your home is a big decision – your house is probably your biggest investment, so it’s important that you have an insurance company that’s going to be there for you. If you’re trying to get Atlanta home insurance, we can give you some quotes from a variety of different insurance carriers. Here are our picks for best Georgia home insurance companies.

Nationwide

Nationwide is one of the largest insurance companies in the country. They’re also a Fortune 100 company. They started out in 1925 with the mission of providing low-cost auto insurance for farmers, but they’ve since expanded into many other types of insurance. Homeowners insurance from Nationwide will protect your home against theft, fire, and covered storm or weather-related losses, and they offer numerous home insurance discounts. They received an A+ rating from A.M. Best, an A1 rating from Moody’s, and an A1 rating from Standard and Poor’s. And that’s what makes Nationwide one of the best home insurance companies in Georgia.

Progressive

Progressive has striven to be ahead of the game in insurance since it started in 1937 as an auto insurance company. They offered drive-in claims service and were the first insurance company to establish a payment system where customers could pay for their insurance in payments and not all at once. Of course, Progressive has since expanded into offering different types of insurance – homeowners insurance being one of them. You probably recognize Progressive from their commercials featuring Flo with her fashionable blue headband and white outfit.

MetLife

What makes MetLife one of the best home insurance companies in Georgia? Well, MetLife Insurance began as The National Life and Limb Insurance Company in 1863. By 1868, the company had become more focused on life insurance. Now, MetLife offers many different types of insurance, such as home, auto, and renters. As far as home insurance goes, MetLife offers 24-hour claims service and payment plans so that you can get your homeowners insurance on the budget that works for you. With MetLife, you can tailor your home insurance to fit your needs.

American Modern

American Modern got its start in the insurance industry in 1965 by selling insurance for mobile homes. American Modern offers named-perils home insurance policies, meaning that your home will be protected against the losses specifically named in the policy. However, you can add coverages to your policy. If you’re having trouble getting an insurance company to take on your home for whatever reason or you can’t get a price you feel is reasonable, you may want to consider American Modern.

Hanover

Hanover offers different home insurance packages so that homeowners can pick which plan best suits their needs. However, they can still choose to add additional coverages for equipment breakdown, water back-up and sump pump overflow, and siding or roofing restoration coverage. Bundling your home and auto insurance together is another option you can choose, as is guaranteed replacement cost coverage. And thus Hanover makes our list of the top ten best home insurance companies in Georgia.

The Hartford

The Hartford is the only home insurance company that’s endorsed by the AARP. They can help AARP members get a customized homeowners insurance plan because they offer different coverage options. They even offer discounts to help people save money. They’ve been around since 1810 when they began as a fire insurance company. Some of their more famous clients were Yale University and Abraham Lincoln. The Hartford also helped organize the US Paralympics in 2003.

Safeco

Safeco started as The General Company of America in 1923, but it was nicknamed The General. In 1953, a subsidiary company called The Selective Auto and Fire Insurance Company of America (or Safeco) was created, and the company enjoyed so much success that The General eventually just became Safeco. Liberty Mutual is Safeco’s parent company. Safeco home insurance helps homeowners protect their houses, their personal property, and their guests. There’s also the option to add additional coverage for things like jewelry.

Foremost

Foremost also got its start in selling mobile home insurance. The company started in 1952, and by the 1960s they’d created insurance that was specifically tailored to mobile homes, not just auto policies with homes attached. In 2000, Farmers acquired Foremost. Foremost offers customizable home insurance policies so that homeowners can get the coverage they need – you can choose to add coverages to your policy, such as additional insurance to cover jewelry and other valuables.

ASI

ASI was founded in 1997 and began with offering coverage in Florida. By 2001, they’d started offering coverage in Texas, and by 2015 ASI was one of the top fifteen providers of home insurance in the US. Now they offer home insurance in 40 states, Georgia being one of them. ASI home insurance policies can be tailored to suit your home insurance needs. Whether you’re looking to switch insurance companies, get insurance for a new home, or find homeowners insurance for your first-ever home, ASI can help.

Universal Property and Casualty

Universal Property and Casualty offers different options for homeowners insurance. They have home insurance policies intended for homeowners who are currently living in their homes and dwelling coverage that will provide protection against named perils like fire and hail. You can also get other structures coverage to protect things like sheds and fences, and you can get coverage to protect the belongings in your home.

So, there you have it, Atlanta – our top ten Georgia home insurance companies. If you’d like to get home insurance quotes from any of these carriers or you want to shop around to compare rates, we would be happy to help you with that. All you have to do to get in touch with one of our insurance experts is fill out our quote form or give us a call today.

What is the average cost of homeowners insurance in Georgia?

The average cost of homeowners insurance in Georgia is slightly below the national average.

The average cost of homeowners insurance in Georgia is slightly below the national average.

You might be curious about what the average cost of homeowners insurance is in Georgia. It’s a valid question – you want to know if you’re getting a good deal for your insurance. Well, we’ve got the answer to that question for you, but that’s not all we have to say on the topic. See, the thing is that there are lots of factors that determine your home insurance rates. These factors could be causing your homeowners insurance to be either higher or lower than the average. We’ll give you the average cost of home insurance in Georgia and explain what can influence your home insurance rates.

The average cost of homeowners insurance in Georgia:

According to March 2017 article on Insurance.com, Georgia’s average home insurance rate is $1,103 for $200,000 of dwelling coverage with $300,000 of liability insurance and a $1,000 deductible. That’s 10% below the national average of $1,244 – not too shabby!

For $300,000 of dwelling coverage with the same limit of liability and the same deductible, the rate would be $1,601, which is 8% below the average for the same coverage.

What are the factors that influence homeowners insurance premiums?

Like we mentioned above, there are a lot of things that can determine your home insurance rate. Some of the factors are…

The insurance company itself.

Insurance companies determine and interpret risk differently, which is why you may get different quotes from different companies. That’s why it’s generally a good idea to shop around for your home insurance.

What your home is made of.

A home made of brick, which is not flammable, may cost less to insure than a home with a wood frame. Whatever material your home was built with, it’s important that you have enough home insurance to completely rebuild it if it were destroyed by a fire, including the costs of cleanup and reconstruction.

Your credit score.

Your credit score has an impact on your home insurance rates because insurance companies see your credit score as an indicator of risk. A good credit score means that you’re a lower risk (and will most likely mean that you get lower home insurance rates) while a poor credit score means that you’re a higher risk (and will most likely get higher insurance rates.) See how that works? You may want to check your credit report for errors if possible and take steps to better your score prior to shopping for home insurance.

How close you are to a fire department.

The nearer you are to a fire station, the faster emergency services can respond to a fire. That means you’ll have less damage to your home, you may also have lower homeowners insurance premiums.

Your limits of coverage.

More insurance costs more money – makes sense, right? So, the higher you set your coverage limits, the higher your premium will be. However, having higher limits means that you won’t have to pay as much out of pocket if you have a big claim because your insurance will cover more of the costs. When figuring out what limits are right for you, remember that it’s crucial to make sure that you have enough home insurance to completely rebuild your home and all of the belongings in it.

Your deductible.

Your deductible is that amount you agree to pay if you have a claim before the insurance company will start covering expenses. The higher your deductible, the lower your premiums – and vice versa. So, you have to choose if you want to pay more for your premiums or more out of pocket if you have a claim. It’s a balancing act, and you have to consider your disposable income and how much you can comfortably afford to pay if you have a claim when you set your deductible. You don’t want it to be so high that it would be unfeasible to pay if you have a claim.

Age of the home.

Newer homes may have lower premiums due to discounts for less risky, modern features. However, doing home improvements to make the home safer (such as replacing the wiring) can allow you to lower the premiums on an older home.

Discounts.

If you qualify for discounts on your home insurance, you could score some significant savings on your insurance premiums. Some common discounts that you may qualify for are having a home security system, having a fire alarm system, and having multiple policies from the same company. These aren’t the only discounts out there, though, so be sure to ask your agent what discounts you could qualify for.

Attractive nuisances.

Things like trampolines and swimming pools, called attractive nuisances, may raise the price of your homeowners insurance because they increase the risk of someone getting hurt on your property.

Dogs.

If you have a dog that’s on the “dangerous dog” list, you might face higher insurance premiums. Insurance companies can be wary of insuring dogs that are of a certain breeds or dogs that have a history of aggression, so it’s important to check how your dog could affect your home insurance rates.

Your claim history.

The more claims that you’ve filed, the higher a risk you are to an insurance company. The claims history of homes in your area could also play a part in your rates, as they show the insurance company how high a risk your area is for things like burglary.

As you can see, there’s a lot that goes into determining your Georgia home insurance rates. The average cost of home insurance in Georgia tends to be a bit lower than the national average, but there are a lot of factors that an insurance company will examine when quoting you for home insurance. Our team of insurance agents would be happy to help you through the process of getting home insurance quotes that suit your specific insurance needs and home. All you have to do to get home insurance quotes is fill out our quote form or give us a call today.

How to prevent a kitchen fire this Thanksgiving (Or any time of the year) in Atlanta

Prevent a kitchen fire this Thanksgiving.

Prevent a kitchen fire this Thanksgiving.

Thanksgiving is almost here, and that means a flurry of shopping, cleaning, food prep, and, of course, cooking. According to the National Fire Protection Administration, Thanksgiving Day had the most cooking fires of any day of the year in 2013. It’s not hard to imagine why. There are a lot of dishes to prepare and a lot of multitasking to do. We’ve got some tips to help you prevent a kitchen fire this Thanksgiving – or any day of the year, really! And avoiding fires means avoiding home insurance claims.

1. Dress for the occasion.

When you’re cooking, it’s best to wear close-fitting clothes that won’t drag or dangle into the heat. If you’ve got long hair, tie it back so that it doesn’t accidentally get singed.

2. Keep your cooking area clear of flammable things.

Move oven mitts, pot holders, towels, papers, plastic wrappers, wooden utensils, and anything else that could catch fire away from your stove. Yes, you might be a bit crowded for space, especially on Thanksgiving, but keep an eye on the area around your stove.

3. Don’t leave cooking food unattended.

Never walk away from something that you’re frying, broiling, or grilling. These things need to be watched closely. If you see smoke or the grease starts to bubble, turn the burner off.

If you’re steaming or boiling something, use timers so that you don’t forget that you’ve got something cooking. Unattended food is the number one cause of kitchen fires, so be sure to check your food frequently. With all the rushing around that comes with Thanksgiving and cooking a huge meal, it’s easy to forget things. It’s completely normal. Just plan ahead for forgetfulness and set timers galore.

4. Clean your cooking surface frequently.

Keep your cooking surfaces clean to prevent grease buildup. It’s hygienic and it will help you avoid starting a kitchen fire.

5. Establish a kid-free zone around the stove.

Your kid-free zone should be three feet around any area that hot food is being prepared or areas that you walk through while carrying hot dishes or pots. It’s generally a good idea to keep kids and pets out of the kitchen while you’re cooking for their safety. Kitchen safety is one of the fundamentals of childproofing your home.

6. Turn pot handles to the back of the stove.

This lowers the chance of a pot getting knocked off the stove and someone getting hurt or burned, or of kids pulling the handle and upending a pot full of hot food or water onto themselves.

7. Don’t put metal in the microwave.

Anything metal should not go in the microwave. Microwaving metal can cause sparks, which means that a fire can soon follow. Yes, this includes tin foil. So, if you have a dish covered with foil that you need to warm up, take the foil off first.

8. Make sure all portable appliances are plugged directly into the wall.

If you plug a portable appliance like a toaster into an extension cord, you could cause the circuit to short. Make sure that all the appliances you’ll need to prepare the meal are plugged into the wall, and unplug them when you’re not using them. This will prevent any accidental mishaps and will also help prevent electrical fires.

9. Consider getting a fire extinguisher.

You might want to consider getting a fire extinguisher for additional fire safety. You can consult with your local fire department to find out which type is best for your home and to get proper training for how to use it.

10. Make sure your smoke detectors are functional.

Do your smoke detectors have fresh batteries? Have you tested them lately? You should have smoke detectors near the kitchen. The sooner you and your family are alerted to a fire, the better.

If you have a kitchen fire…

  • If the fire is in a pan or pot, cover the pan with a lid or baking sheet to smother it. If that doesn’t work, use a fire extinguisher or baking soda.
  • If it’s a grease or oil fire, DO NOT pour water on it. This will only make the fire worse.
  • If the fire is in the microwave, turn the microwave off, unplug it if possible, and wait for the fire to go out. Don’t open the door.
  • If the fire is in an oven, turn off the heat and keep the door closed. Wait for the fire to die out.

Thanksgiving is a time for family, friends, and delicious food. Don’t let a kitchen fire spoil your holiday! By following some simple tips to help prevent a kitchen fire, you’ll be able to ensure that everyone has a happy – and safe – Thanksgiving.

Are you looking for home insurance or renters insurance? We would be happy to help you save money on your rates by shopping around for your insurance. All you have to do to get started with some home insurance quotes is fill out our online form or give us a call today.

Source:

https://www.usfa.fema.gov/downloads/pdf/publications/kitchen_fires_flyer.pdf

http://www.nfpa.org/Public-Education/By-topic/Top-causes-of-fire/Cooking/Safety-messages-about-cooking

http://www.redcross.org/news/article/Avoid-Kitchen-Fires-Use-Red-Cross-Tips