Agencias de Seguros Georgia
Chances are if you own a home in Georgia, then you have a home insurance policy to protect it? The process usually begins with you sitting down with an insurance agent to discuss how much insurance coverage you need, how much you can afford and then how often you want to pay. From there, the average home owner never looks at their home insurance plan again unless they need to make a claim or move.
Not reviewing you home insurance policy at least once year could cost you thousands of dollars at the time a claim is made, and here is why:
Problems with older homes – not all home insurance plans are one-size fits all. Does your current insurance plan in Georgia cover items not typically found in newer construction like wells and septic tanks
Safety devices – Have you added security systems, smoke alarms, carbon monoxide vents or a sprinkler system to your home? Most insurance companies will offer credit programs or discounts for such upgrades.
Home-based business – If you run a business from home, your equipment and inventory may not be protected by your current insurance plan. Depending on the type of business you operate, a special addition called a “rider” may be required.
Current market value for repair – even though the value of your home fluctuates year after year, the cost to rebuild after a fire, for example, continues to increase. Make sure your home insurance policy remains up-to-date with current rebuilding prices.
Luxury items – whether you have made furniture, electronic or jewelry purchases, or simply acquired them through gifts or inheritance, these items add up to a considerable amount that need to be reflected within your home insurance policy in the event of theft or destruction of the home due to damage from fire or water.
Discounts – Just like your auto insurance policy, major insurance companies in Georgia are constantly creating new discounts people can qualify for. You may be missing out on some of these discounts simply because you did not take a few minutes to review your plan.
For most people, their Georgia home is their greatest asset, so make sure it is properly protected by reviewing your home insurance policy on an annual basis.
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