Home insurance coverage basics

A plain-English look at Georgia home coverage. Georgia doesn’t require home insurance by law, but mortgage lenders do. Coverage options vary by insurance provider.

  • DwellingHelps pay to repair or rebuild the structure of your home after a covered loss such as fire, wind or hail.
  • Other structuresCovers detached structures on your property, like a fence, shed or detached garage.
  • Personal propertyCovers your belongings, such as furniture, clothes and electronics, after a covered loss. Limits apply to some items like jewelry.
  • Loss of useHelps pay extra living costs, like a hotel and meals, if a covered loss makes your home unlivable.
  • Personal liabilityHelps protect you if someone is injured on your property or you accidentally damage someone else’s property.
  • Medical payments to othersHelps pay medical bills for guests injured at your home, regardless of fault.
  • FloodStandard homeowners policies exclude flood. Flood coverage is bought separately or added by endorsement where offered.
  • Water backupOptional coverage for water that backs up through drains or a sump pump. It is not the same as flood coverage.
  • Replacement cost vs. actual cash valueReplacement cost pays to replace with new; actual cash value subtracts depreciation. Ask which applies to your dwelling and belongings.
  • Policy typesHO-3 and HO-5 for homeowners, HO-4 for renters, HO-6 for condos, and dwelling fire (DP-1/DP-3) for landlords. Personal umbrella adds extra liability.
  • DeductiblesThe amount you pay before coverage pays. Some policies have a separate wind/hail deductible, often a percentage of the dwelling limit.
  • What affects your priceYour home’s age, roof, construction and location, your coverage limits and deductibles, claims history, and the discounts you qualify for.

Insurance providers we work with

As an independent agency, we compare these insurance providers for you. What stands out:

  • Liberty MutualFlood coverage through the National Flood Insurance Program, optional personal property replacement cost, and options such as blanket jewelry and escape of water coverage.
  • TravelersIdentity fraud expense coverage up to $25,000, water backup and green home coverage, plus homebuyer and smart-home device discounts, where available. Ask us about Travelers options in Georgia.
  • NationwideBrand New Belongings and home and auto bundling. Dwelling replacement cost, identity theft and water backup options vary by state.
  • National GeneralCustom360 home with options such as service line, water backup and identity theft, plus flood and umbrella, where available. Ask us about National General options in Georgia.
  • ForemostLandlord and rental home coverage, where available. Ask us about Foremost options in Georgia.
  • MercuryExtended replacement cost up to 150%, identity theft protection and guest medical, plus discounts for newer homes, protective devices and auto and home together.
  • The HartfordValuable Items Blanket, equipment breakdown and full replacement cost up to 125% of the limit, plus a bundle discount of up to 20%.
  • OpenlyGuaranteed replacement cost (in Georgia, subject to the dwelling limit and policy conditions), liability up to $1 million, and options such as water backup and buried service lines, where available.
  • BranchBundle home and auto, with optional coverage above replacement cost. Ask us about Branch options in Georgia.
  • Orion180HO-3 coverage for owner-occupied homes, a water backup option, and private flood up to $1 million with a 10-day waiting period and no elevation certificate. Availability varies by area.
  • American ModernHomeowners FLEX with adjustable coverages and options such as service line and identity recovery, where available. Ask us about American Modern options in Georgia.
  • SteadilyLandlord DP-1 and DP-3 policies with loss of rent, liability options and HVAC equipment breakdown. Flood requires a separate policy.
  • American IntegrityIntegrated flood coverage for its homeowners policyholders: building up to $2 million, contents up to $750,000, no waiting period and one deductible. HO-5 open-perils coverage for homes up to 12 years old.
  • More Coming SoonNew insurance providers are being added.

Availability and features vary by home, location and ZIP; ask for a quote.

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📷 Text a photo of your current home insurance declarations page to (678) 648-1900 for a quote