When you live in Woodstock, GA, homeowner’s insurance is a must to keep you well protected. There’s shopping, dining, and a wide array of events held in the city throughout the year and this makes it that much more desirable to live in the 30188 ZIP code. With a farmers market through the winter and concerts in the summer, it’s no wonder you chose to make this city your home.

You don’t want anything to happen to your home and that’s why you have to make sure you are protected against everything. A homeowner’s policy can have all sorts of levels of coverage and if someone makes a personal injury claim against you, you want insurance to pay for it.

Why would someone file a personal injury claim? There are countless reasons, including:

– Leaving your home intoxicated

– Falling down your stairs

– Tripping on your walkway

– Hurting themselves out at the pool

It’s not just your guests that you have to worry about, but also solicitors, contractors, and anyone else who comes to your home, whether they were invited or not. While your home in Woodstock is going to be covered against at least the basics, you want to make sure it is covered against all that you want.

Don’t be shocked when your homeowner’s insurance denies a personal injury claim. If you don’t have the coverage you need for your home in the 30188 ZIP code, then allow us to help. Our independent agents can help you find the necessary coverage and explain all of the benefits to having more coverage.

Whether you live in the 30188 area of Woodstock or elsewhere in GA, your home needs to be protected – and we can help.

Call today and let us find you affordable insurance!

As a homeowner, you may have several concerns when it relates to the damages your property may face. Your home insurance should reflect your concerns in Woodstock, GA, which means that you will want to purchase a plan that addresses every concern that may arise. Although sinkholes can happen at any time, many home insurance policies will not offer coverage in the basic plan.

Risk of Sinkholes

Although a sinkhole can occur in any location and at any time, Georgia is not considered a high-risk state. As a result, it may be possible to add the coverage to your homeowner’s plan without spending a small fortune for the protection.

The risk of sinkholes can vary based on the location. Usually, it will occur in areas that have a large amount of ground water since the water below the surface of the ground can erode the rocks and dirt beneath the house.

Getting the Coverage

In most cases, a homeowner’s policy will not include coverage for sinkholes or damages that are related to sinkholes. If you are worried that there may be a risk, then you can add to the basic policy that you have purchased. Alternatively, you can purchase a separate policy to address the issue of sinkholes.

Adding the coverage to your plan will ensure that you are protected, even if you do not have high risk of accidents that are related to sinkholes.

There are several plans that address your needs as a homeowner, but most basic policies will not include sinkholes without adding to the basic plan. If you are concerned about the risk, you should read your policy and purchase additional protection if it is necessary. To learn more about protecting your home, contact us to talk to an agent today.

Georgia residents have countless options when it comes to buying home insurance, and those options will vary depending on their location, situation, and the risks associated with living in a specific area. These tips will help you choose the right home insurance plan for your family.

1. Know your home’s value

Have a local builder provide an estimate of your home’s value. How much would it cost to rebuild from the ground up if there was a disaster? Having this number in mind will help make sure you purchase enough insurance to protect your property.

2. Ask around

Consider more than price when purchasing insurance for your home. Having great coverage might not be enough if your agent takes forever to actually file your claim, so research people’s experiences with various insurance agencies and their claims process before you decide.

3. Read your policy

Before you decide on a policy, read through it and ask questions on any unclear points. If you don’t understand the legal jargon, ask your agent to explain it until you do. Knowing exactly what is and isn’t covered will save you time and headaches later on. It’s also smart to reread your policy before you file a claim so you know exactly what is covered and what to expect.

4. Have Valuable Items Appraised

It’s not enough to know the value of your home. You’ll also want to make sure that particularly valuable items in your home, from electronics to artwork to jewelry, are covered, because most standard policies have fixed amounts they’ll pay for items that fall into each category. Know how much those items are worth and talk to your agent to make sure your insurance is adequate to cover them if they’re stolen; you may pay a few extra dollars for the coverage, but it’s almost always worth it.

It’s a shame that in this day and age, the minute someone gets hurt in our apartment, we often need to fear more for the impending lawsuit than the health of the person who is injured. Still, somebody needs to pay the medical bills after an injury, and In our litigious society, the injured person will often sue whomever they have to as long as they get the money they need. This is one reason why renters insurance is so important.

Renters insurance serves many functions. It protects your belongings from theft and damage, it protects you if structural damage from a storm or catastrophe and it protects you in the event that someone is injured in your apartment. In the case of an injury, your policy will probably cover the medical expenses of the injured party and any costs that result from a lawsuit, including your legal fees. The limit on the court award the insurance will pay is usually around $100,000.

Every insurance policy has different limits and exclusions, so you should never presume something is covered without checking your policy first. If you’d like to review your policy with an agent, which is always a good idea, contact us today. We will be happy to answer any insurance questions you may have, and if your renters insurance policy is not meeting your needs, you can even use our website to compare quotes and find the right policy for you.

It can be a concern when you notice that the bricks on your house or chimney are falling away in Woodstock, GA. The problem is not necessarily related to damage to the property from a storm, so the details regarding your coverage and when it can be repaired will vary.

Maintenance Issues

In general, home insurance coverage will not pay for repairs if it is related to regular maintenance. For example, if the bricks are falling away because you did not have the chimney checked and serviced, then you may not be able to make a claim.

A home insurance chimney policy, on the other hand, may offer coverage for the situation if it is part of the policy. The maintenance of a chimney can be complicated and some insurers may offer coverage to pay for the repairs if bricks begin to fall.

Storm Damage

Many insurance companies will pay for any damages that are associated with a storm as long as the type of storm is covered in the policy. Certain disasters, like earthquakes or flooding, may not be covered by a basic policy, so it is important to read the plan to ensure that the situation is covered.

Storm damage is usually protected in a policy because it is beyond your personal control. Unlike problems that arise due to poor maintenance, damages that result from a storm are sudden and unexpected, which means many insurers will cover the repairs.

Ultimately, the situation and the reason that the bricks are falling away from the building will impact your ability to make a claim. A claim is possible if the damages are the result of a covered situation. Contact us to speak to an agent for more details about your options.