Roberts Insurance Group Blog
For many Georgians, their home is their biggest investment and asset. Most folks will go into debt for 30 years for it and want to make sure it is properly protected in the event of something unexpected. However, many homeowners in Georgia are surprised to learn that your home insurance policy protects far more than just your home.
At the Roberts Insurance Group, we educate our clients on different coverages that come packaged with their home insurance. We're an independent insurance agency located in Canton, GA and help clients throughout the state and today, we're educating everyone on some of the coverages you can get with your home insurance policy:
Personal Property Coverage
Many Georgians aren't aware, but your personal property is covered under your homeowners policy. Depending on what type of home insurance you have (HO3 or HO5) will determine what type of coverage or cause of loss the policy will cover but all home insurance policies will have coverage for your belongings.
Another less than well known coverage is personal liability coverage. This coverage will pay for legal defense and settlement if there is a lawsuit brought against you or other household members in the event you are accused of being liable for bodily injury or property damage (and sometimes libel/slander) to a third party.
In today's day in age, adding identity theft to your policy is almost a no-brainer. This coverage is very inexpensive and will pay for the costs to help recover your identity if it is ever stolen.
Theft From Items In Your Car
Did you know that your homeowners insurance will pay for items that are stolen from your vehicle, whether or not your vehicle is on your property? Most homeowners in Georgia don't! This is an extension of personal property coverage.
Loss Of Use
Loss of use coverage is another coverage that comes as a surprise to many Georgia homeowners. This coverage will help pay for any additional living expenses you my have as the result of having to vacate your home due to damage from a claim. It pays for things like renting another home, apartment, or extended stay hotel, along with additional food and transportation costs, storage costs, etc.
What Other Coverages Are Available?
The truth is, there's dozens and dozens of other coverages available depending on the insurance company. Something we do at The Roberts Insurance Group is we help our clients build a coverage plan that takes care of everything they want and need so that they are totally satisfied whenever the unexpected happens and they need to file a claim and use their insurance.
We would love to help you and your family build-out a plan that takes care of your wants and needs! Give us a call at 678-250-8133 or click below to get started!
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