Your home is more than a house—it’s where life happens.
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Personal Coverage
Home, Auto, Renters
With homeowners insurance, you can rest easy knowing your home and everything in it is protected.
Protection You Can Trust, Prices You Can Afford
At Safe Harbor Insurance, we understand that protecting your family is your top priority. That’s why we work hard to balance the coverage you need with prices that fit any budget. By focusing only on essential protections, we help you safeguard your home, vehicles, and belongings without overpaying for unnecessary extras. Your peace of mind shouldn’t come at a high cost—and with Safe Harbor, it never has to.
Is Homeowners Insurance Required?
Homeowners insurance is not legally required in Georgia. However, most mortgage lenders mandate that borrowers maintain a homeowners insurance policy as a condition of their loan. Even if it’s not required, having coverage is highly recommended to protect your home and finances from unexpected disasters or damages.
How Much Should I Expect to Pay for a Homeowners Policy?
The cost of homeowners insurance in Georgia depends on factors like:
Home Value: Higher-value homes cost more to insure.
Location: Homes in areas prone to natural disasters or theft may have higher premiums.
Coverage Limits: More extensive coverage increases costs.
Deductibles: Choosing a higher deductible can lower your premiums.
On average, homeowners in Georgia can expect to pay between $800 and $2,500 annually for a standard policy. Additional coverage, like flood insurance or riders for high-value items, will increase this cost.
What Does Homeowners Insurance Cover?
A standard homeowners insurance policy typically provides the following coverage:
Dwelling Coverage:
Protects the structure of your home, including walls, roof, and foundation, against risks like fire, storms, or vandalism.
Personal Property:
Covers your belongings, such as furniture, electronics, and clothing, if they are damaged or stolen.
Liability Protection:
Protects you from legal claims if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Additional Living Expenses (ALE):
Pays for temporary housing and related costs if your home becomes uninhabitable due to a covered event.
Other Structures:
Covers detached structures on your property, like garages, sheds, or fences.
What Does Homeowners Insurance Not Cover?
While homeowners insurance provides broad protection, there are certain exclusions, such as:
Flood and Earthquake Damage:
These require separate policies as they are not included in standard homeowners insurance.
Wear and Tear:
Damage due to aging, neglect, or poor maintenance is not covered.
High-Value Items:
Expensive items like jewelry or collectibles may have limited coverage unless additional riders are purchased.
Intentional Damage:
Damages caused intentionally by the homeowner are not covered.
Home-Based Businesses:
Business-related equipment or liability requires separate business insurance.
Can I Bundle and Save?
Yes! Safe Harbor Insurance offers bundling options to help you save. By combining your homeowners insurance with other policies, like auto or renters insurance, you can enjoy significant discounts while simplifying your coverage. Bundling is a smart way to protect multiple assets without stretching your budget.