Home Insurance

Home is where your heart is along with a healthy chunk of your net worth. Atlanta Life Insurance can help you get the affordable home insurance coverage you need and the peace of mind you desire.

 

Why do I need homeowners insurance?

  • Help protect one of your most important investments
  • Most mortgage lenders require homeowners insurance

 

Who should carry homeowners insurance?

  • First time home buyers
  • Current homeowners

What does a homeowners insurance policy cover?

Your policy is the best place to review your coverages, but a few common items covered by homeowners insurance are:

Property Damage

Most policies provide coverage for damage to your house and any permanent structures on your property for:

  • Fire
  • Wind
  • Hail
  • Water damage (unless excluded by your policy)

 

Personal Property

Coverage for damage to or theft of your stuff, like:

  • Furniture
  • Appliances
  • Clothing
  • Even dishes (in some cases)

 

Jewelry

Limited coverage, (usually $500 – $2,000), for jewelry stolen from your home. If your collection is worth more, let us help you with a jewelry policy to cover your valuables.

 

What else may be covered by homeowners insurance?

Personal Liability 

Could help cover medical expenses or property damage to others caused by you or members of your household, including pets. It could also help with legal expenses in the case of a law suit.

Example: A visitor trips on loose carpet in your home, falls and is injured; or your child accidentally throws a ball through a neighbor’s window, breaking an expensive vase.

 

Medical Bills

Medical payments coverage for minor injuries to people who don’t live with you but are injured on your property.

Example: A visitor slips down your steps on a rainy day and is injured.

 

Additional Expenses

Coverage for extra costs you might have to pay when experiencing a covered loss.

Example: A fire makes your home uninhabitable and you need to temporarily live elsewhere.