Home Insurance in Georgia

You know that your home is a crucial part of your life. It’s your sanctuary away from the world, it’s where you lay your head safely at night, and it’s where you raise your family. However, it’s also very likely to be your largest asset.

Your home requires protection, but there are numerous things that can happen that are out of your control. A fire can start, a storm can cause tremendous damage, or thieves can break in and cost you greatly.

That’s where home insurance in Georgia comes in. It’s there to ensure that, even though it can’t prevent those things, you can be properly compensated to make repairs or replacements when those unfortunate events occur.

Why Home Insurance Matters in Georgia

Every part of the country has different threats facing homes, and Georgia is no different. Here in the south, our primary issues to protect against are floods , storms, and sometimes theft.

If you live near an area where a large water source is nearby, or your area is particularly susceptible to flooding during heavy rains, floods are a very real threat. Storms affect the entire state. Whether it’s a hailstorm that can punch holes in your roof and shatter windows, or a windstorm that throws objects around and rips shingles and siding away, that’s an annual issue potentially.

Theft is completely unpredictable, and while our Georgia community is a fine community, it is something to protect against.

Since one of personal insurances known as home insurance promises to compensate you for the financial losses of such incidents, it provides a peace of mind that you need to live your life to its fullest without worrying about every little threat.

What Does Homeowner’s Insurance Cover?

Homeowner’s insurance can cover a lot more than you might expect.

• Property Damage: Fire, wind damage, and even vandalism such as local teens breaking your mailbox or an angry neighbor spray painting your garage door can be covered by insurance.
• Personal Belongings: The things inside of your home can be just as important as the home itself, and insurance can protect those items in case of theft, damage stemming from something happening to the house, etc.
• Personal Liability: If someone falls on your property, or your house somehow causes harm to a visitor, you might be liable in court. Insurance can help cover those costs.
• Medical Payments to Others: Beyond handling your court-related liability issues, insurance can also cover any medical bills you have to pay for others who were hurt on your property.
• Loss of Use: If you end up needing temporary housing due to major repairs or damage, your insurance can cover those costs.

Customize Your Coverage to Fit Your Home

The types of coverage you need are dependent on the issues you realistically face. If there’s no chance of flood damage, you don’t need flood insurance, or if you don’t own expensive outdoor equipment, covering that with your insurance isn’t necessary. What you need depends on your location, your property, and the value of the home.

At Chandler Insurance Group , we offer fully customized insurance solutions to cover the things you actually need.

Reach out to the team, and we’ll help you determine the types of coverage you need.

Add-Ons and Specialized Coverage Options

You might have unique needs depending on where you live and the property you own. Here are some unique add-ons for those situations.

• Flood Insurance: Flood insurance is a necessity in many parts of Georgia to cover flood damage.
• Personal Injury Protection: This protects you if someone is harmed on your property. It’s very important if you have high-risk features on your property such as a pool or pond.
• Extended Replacement Cost: If you ever need to rebuild your home, this helps ensure you get enough funds to do so.

Affordable and Reliable Protection

At Chandler Insurance Group, we make sure to offer the highest quality insurance coverage. However, we also put our community first and ensure affordability is always an option.

Let’s Protect What Matters Most

Your home is your biggest asset, and naturally, you want to make sure your family is protected. Contact us today or request a free quote and get affordable homeowner’s coverage before it is too late!