What Kind of Policy Perks or Special Features are Available for Homeowners in Georgia?

Can you get special perks insuring your home with the Roberts Insurance Group?-- The answer is YES, YOU CAN!

We all see and hear insurance companies advertise special perks or special features that are available for home insurance. But what are they? Do all companies offer them? 

We're going to go over some special features available for home insurance policies in Georgia. Not all companies have extra features available BUT, here at the Roberts Insurance Group, we have an extensive network of companies that DO offer special perks, which give our clients access to the very best coverage that is specifically catered to each individual household. 

Claim Forgiveness

This special feature can be added at the beginning of the policy and apply right away or it can be something you accumulate over the years. For instance, some carriers will allow us to write the policy with a special endorsement that will go into effect day 1. So if you start a policy on Monday and have a claim Tuesday, that claim will not result in a surcharge or increased claim rating at renewal. On the other hand, some carriers have features built into the policy where they will forgive a claim after you go so many years without filing one, typically 5 years. 

Claim Free Discount

Much like the claim forgiveness feature, this can be something that is applied at the start of the policy or after you've have been with the company for a certain amount of years (typically 3) without a claim. If it is added at the beginning of a policy, then the company is giving you credit for going a certain amount of years prior to the start without filing a claim. 

Decreasing Deductible

Many companies offer a decreasing deductible feature that will lower your deductible by $100 or so each year you do not file a claim. We have found that many clients prefer to carry a higher deductible, meaning they pay a lower premium to the insurance company in exchange for a larger out of pocket co when they file a claim. Adding the decreasing deductible feature gives them the best of both worlds. They get a lower premium now and, assuming they do not file a claim in the first few years, a lower out of pocket down the road when they need to use their insurance. 

Give us a call at 678-250-8133 to see what perks and features are available for you so that you can get the very best value on your home insurance!

The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business.

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