Most people simply can't afford to rebuild their homes and replace everything in them if there's a disaster. A home insurance policy can protect your property, your possessions, you, and your family. Georgia's Comprehensive Insurance Agency in McDonough, GA, is the expert in homeowner’s insurance for residents across Georgia, including McDonough, Decatur, Fayetteville, Locus Grove, Savannah, and Johns Creek. Whatever your needs are, we have you covered. Get a free homeowner’s insurance quote to start protecting your home, belongings, and peace of mind.
You need enough insurance to cover the following:
- The structure of your home
- Your possessions
- The cost of additional living expenses if your home is damaged and you must live elsewhere during repairs
- Your liability to others
Make Sure You Have Adequate Renter’s Insurance
If you live in a rented apartment, condominium, or townhome, you need to protect yourself, your space, and your belongings. Some managed communities even require that you have a certain amount of renter’s coverage as part of your lease agreement. Typically, your landlord’s policy won’t help if your belongings are stolen or damaged. For that, you need renter’s insurance, and when you do, contact Georgia's Comprehensive Insurance Agency.
Some of the Types of Losses Your Renter’s Insurance Can Cover
- Theft
- Vandalism
- Smoke, if sudden and accidental
- Sudden and accidental discharge of water or steam from plumbing, heating, or air-conditioning systems, or household appliances
- Fire or lightning
- Windstorm or hail
- Loss of use
What is Personal Umbrella Insurance?
Personal umbrella insurance provides coverage beyond your homeowner’s or auto policy by adding an extra layer of liability coverage. Umbrella insurance covers situations that may not be covered by another policy, such as slander or libel. The umbrella policy coverage “kicks in” where your existing coverage ends, up to the limit of the umbrella policy purchased. When you need to add extra liability to your homeowner’s or auto policy with umbrella insurance, contact Georgia's Comprehensive Insurance Agency.
What Personal Umbrella Protection Covers
- Operating most motor vehicles, including cars, RVs, motorcycles, pickup trucks, and most watercraft
- Incidents involving any property are covered by your basic homeowner’s or renter’s policy
- Incidents alleging slander, libel, defamation of character, invasion of privacy, and even false arrest
- Business liability coverage is provided if covered by your basic homeowner’s policy
