Enter your ZIP code:

Georgia Home Insurance

Thank you for visiting InsureMe.com, your online information source for Georgia home insurance. InsureMe is your one-stop-shop for competitive Georgia home insurance quotes from agents in your area. We do the leg work for you, providing you with up to five free home insurance quotes posthaste.

Give us your information just once-and watch the Georgia home insurance quotes come directly to you!

Georgia Home Insurance Information

The price of homeowners insurance is finally slowing. The Insurance Information Institute reports that 2005 home insurance prices nationwide are expected to rise by only 2.5 percent, the smallest increase in six years. Several factors contribute to this slowdown, including fewer claims filed and lower claims costs.

Georgia homeowners insurance protects you from financial losses due to damage, theft and other hazards. It covers the contents of your home, additional living expenses incurred when your home becomes uninhabitable, and any alleged claim of negligence causing injury to someone else.

Know Your Options

If you own your home, you need specific Georgia homeowners insurance that fits your specific situation. Consider these options:

  • HO-3 - Insures against risk of loss for buildings, and loss of contents for broad named perils, such as theft
  • HO-4 - Provides content loss coverage on rentals for broad named perils
  • HO-6 - A condominium policy providing insurance against broad named perils on an owner-occupied condominium unit

Create a Household Inventory

A household inventory is simply a list of all your possessions, their worth and any further identifying details. Make your household inventory and keep it in a safe place to ensure sufficient Georgia homeowners coverage, provide protection for your family's valued treasures and heirlooms, and eliminate claims problems in the event of a disaster.

To make a household inventory, first make a list of each room in your house. Then walk through each room, listing its contents and writing down any supporting information. Include complete descriptions, estimated values, sales prices, serial numbers, brand names, model numbers-any specific, identifying details. Take pictures if you can, and record your inventory on a computer disk, storing all supporting documents together in a safe place outside your home. Then, in the event of a loss, simply send a copy of this information to your Georgia home insurance company or agent for loss verification.

Be prepared for disaster before it strikes with your own home inventory!

FAQ's about Georgia Home Insurance

"What do I need to know about Georgia home insurance before I buy it?"

Property coverage protects your home and its contents, plus additional living expense losses. Liability coverage protects you from lawsuits alleging negligence. Your homeowners coverage amount should equal at least 80 percent of your home's replacement cost.

"Does my Georgia homeowners policy cover all my property?"

No, all policies have exclusions and limitations. Your car and motor home are exclusions. Some frequent limitations include theft of jewelry, silverware and guns.

"Is flood insurance part of my Georgia homeowners policy?"

No. However, it is offered and regulated by the federal government under the National Flood Insurance Program (NFIP). Contact them online at http://www.fema.gov/business/nfip/ to find out if flood insurance is required for your property, or ask your Georgia home insurance broker for more information.

"How can I find out what home insurance will cost me?"

Speak with a knowledgeable Georgia home insurance agent to obtain specific information on your home insurance premium. Your Georgia home insurance premium depends on many factors, including:

  • Location of your home
  • Type of construction
  • Square footage of your home
  • Market value of your home
  • Age of your home
  • Location of nearest fire department
  • Security devices installed
  • Other structures on the property
  • Valuables in your home
  • Deductible desired

"What is a deductible?"

A deductible is what you agree to pay out-of-pocket when you file a claim. This amount is subtracted from your total claim amount, and your insurance company pays the balance. The higher your deductible, the lower your policy cost.

"What if I need more information?"

Additional questions about Georgia home insurance can be answered by the Georgia Insurance and Safety Fire Commissioner's office. Call them toll free at 800-656-2298, or consult them online at www.inscomm.state.ga.us/.

Get accurate quotes from real agents!

Research, arm yourself with knowledge and submit your information to InsureMe today for accurate, affordable Georgia home insurance quotes.

Finding free home insurance quotes has never been quicker or more convenient!

Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Viewssort
55 Oregon Home Insurance Quotes youcomparequotes 12836
54 North Carolina Homeowners Insurance youcomparequotes 11473
53 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 11023
52 Michigan Home Insurance Quotes youcomparequotes 8488
51 Tennessee Homeowners Insurance youcomparequotes 8333
50 Washington, D.C. Home Insurance youcomparequotes 8215
49 Florida’s Home Insurance Headache youcomparequotes 8032
48 Arizona Home Insurance Quotes youcomparequotes 7709
47 Illinois Home Insurance Quotes youcomparequotes 7374
46 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7230
45 Colorado Home Insurance Information youcomparequotes 7171
44 Ohio Home Insurance Quotes youcomparequotes 7111
43 Vermont Homeowners Insurance youcomparequotes 7055
42 South Dakota Homeowners Insurance youcomparequotes 7025
41 Wisconsin Home Insurance youcomparequotes 6960
40 Kansas Homeowners Insurance youcomparequotes 6942
39 New York Home Insurance Quotes youcomparequotes 6939
38 Louisiana Homeowners Insurance youcomparequotes 6859
37 New Mexico Homeowners Insurance youcomparequotes 6852
36 Texas Home Insurance Quotes youcomparequotes 6753
35 Pennsylvania Home Insurance Quotes youcomparequotes 6748
34 Arkansas Home Insurance youcomparequotes 6743
33 Virginia Home Insurance youcomparequotes 6736
32 Montana Home Insurance youcomparequotes 6709
31 Oklahoma Homeowners Insurance youcomparequotes 6672
30 Wyoming Home Insurance youcomparequotes 6650
29 Kentucky Home Insurance youcomparequotes 6616
28 Indiana Homeowners Insurance youcomparequotes 6612
27 Maryland Home Insurance youcomparequotes 6612
26 California Home Insurance youcomparequotes 6611
25 Minnesota Home Insurance Quotes youcomparequotes 6608
24 Missouri Home Insurance Quotes youcomparequotes 6591
» Georgia Home Insurance youcomparequotes 6587
22 Florida Home Insurance Quotes youcomparequotes 6537
21 West Virginia Homeowners Insurance youcomparequotes 6535
20 Hawaii Home Insurance youcomparequotes 6499
19 Rhode Island Homeowners Insurance youcomparequotes 6495
18 Nevada Home Insurance youcomparequotes 6482
17 Idaho Home Insurance youcomparequotes 6463
16 Mississippi Home Insurance youcomparequotes 6451
15 Maine Homeowners Insurance youcomparequotes 6440
14 Iowa Homeowners Insurance youcomparequotes 6422
13 Connecticut Homeowners Insurance youcomparequotes 6415
12 Alabama Homeowners Insurance youcomparequotes 6413
11 North Dakota Homeowners Insurance youcomparequotes 6409
10 Alaska Homeowners Insurance youcomparequotes 6392
9 New Hampshire Home Insurance youcomparequotes 6365
8 Nebraska Home Insurance youcomparequotes 6340
7 New Jersey Home Insurance youcomparequotes 6289
6 South Carolina Homeowners Insurance youcomparequotes 6285
5 Washington Home Insurance youcomparequotes 6279
4 Utah Homeowners Insurance youcomparequotes 6242
3 North Dakota Home Insurance youcomparequotes 6233
2 Kentucky Homeowners Insurance youcomparequotes 6231
1 Delaware Home Insurance youcomparequotes 6148
XE Login