Personal Lines
Home Insurance
Your home is one of your biggest investments. Make sure your policy has the coverage you expect before you need it.
Coverage That Actually Protects You
A standard homeowners policy covers a lot—but the details matter. We take the time to walk through your coverage with you so there are no surprises when you need to file a claim.
What Your Policy Should Cover
Every coverage area below is worth a conversation. We'll help you understand what you have—and what you might be missing.
Dwelling Coverage
Enough to rebuild—not just what your home is worth. Your dwelling limit should reflect the cost to reconstruct your home, not its market value.
Extended Replacement Cost
Extra protection if rebuilding costs exceed your dwelling limit. Construction costs can spike after a major storm—this coverage gives you a buffer.
Water Backup
Coverage for certain sewer, drain, or sump backups may need to be added to your policy. Standard policies often exclude this—ask us if you're covered.
Service Lines
Protection for certain underground pipes and utility lines you're responsible for. Many homeowners don't realize these repairs fall on them.
Building Codes
Helps with certain added costs of bringing covered repairs up to current code. Older homes especially can face significant upgrade costs after a loss.
Personal Property
Know your limit—and whether belongings are covered at replacement cost or actual cash value. The difference can be significant when replacing furniture or electronics.
Jewelry & Valuables
Some items have special limits and may need additional coverage. Engagement rings, collectibles, and fine art often require a separate endorsement.
Liability
Protection if you're legally responsible for certain injuries or property damage. This covers you whether an incident happens at home or away.
Additional Living Expenses
Helps with eligible extra living costs if a covered loss makes your home uninhabitable. Hotel stays, meals, and temporary rentals can add up fast.
Know Your Deductibles
Especially your wind and hail deductible—it may be different from your standard deductible. In Georgia, this can be a percentage of your dwelling limit rather than a flat dollar amount.
Your Home Changes. Your Coverage Should Too.
Renovations, a new roof, a pool, a finished basement, new jewelry, a home office, or a new addition—any of these can affect your coverage needs. Not sure what your current policy includes? We can help you take a closer look and understand your coverage.
Review My CoverageLet's Make Sure You're Covered
Whether you're buying your first home, moving, or just haven't reviewed your policy in a while—we're here to help. No pressure, just honest guidance from a local agent who knows Georgia.