Home Insurance in Georgia
The price you pay for homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Here are some things to consider when buying homeowners insurance.
1. It never hurts to shop around with different companies for the best rate and coverage when your policy comes up for renewal. Because we have contracts with several companies, we can always find the best rate and coverage for your home owner policy.
2. One way to reduce your home insurance premium is by raising your deductible. Deductible is the amount of money you have to pay toward a loss before your insurance company starts to pay a claim. The higher the deductible, the more money you can save on your premiums.
3. Look for qualifying discounts such as having your home and auto with the same insurer with give you an account discount which can be as much as 10% off both policies. Also, you can improve the security in your home by getting a monitored alarm system and this will give you an alarm credit. Some additional credits are smoke detectors, dead bolts, and fire extinguishers. Also, you may receive a discount if you are retired, this tells the insurer you are home more and there is less chance of your home being burglarized and you would be able to spot fires sooner, too. Retired people also have more time to maintain their homes. Lastly, good credit is a big factor in lowering your home owner rates. Insurers are increasingly using credit information to price homeowner's insurance policies.
4. Review the limits in your policy and the value of your possessions at least once a year. Always feel free to call one of our agents to review your homeowner's policy to ensure that you are getting the best coverage for the best price.