Home insurance is an important part of any homeowner’s financial planning. At Garrison Insurance Group in Lilburn, GA, we serve the greater Atlanta area providing our customers with more choice from the many carriers that we offer. We pride ourselves on providing the highest level of personalized service to our customers. 

What property and perils are excluded from most homeowner policies?

If you have certain breeds of dogs or exotic pets, the chances are that your home insurance policy will not cover them. Be sure to verify your dog’s breed with your insurance agent. When it comes to perils, floods will not be covered. You need to add flood coverage if your home is in an area where the danger exists. Earthquakes, sinkholes, landslides, and mudslides are also not covered. Most policies also will not cover sewer backups. 

When can an insurance company cancel my homeowner’s coverage?

The most common reason for cancelation of a home insurance policy is nonpayment of the premium. It can also be canceled if it is discovered that you have committed fraud or misrepresentation. The insurance company can require that you make necessary repairs that your home requires and if you fail to do so, they can cancel your policy. 

If my tree falls on my neighbor’s house or property, who is responsible?

In most cases, their home insurance will pay for the damage. If it is felt by their insurance company that the cause was negligence on your part, they may try to get reimbursement from your insurance company. This is why it is important to make sure that you maintain any of the trees in your yard. 

Schedule A Consultation Today!

At Garrison Insurance Group in Lilburn, GA, we can help you with any questions you have about home insurance. Give our office a call for a no-obligation quote. 

Every homeowner should have a home insurance policy for many reasons. These policies come with a number of different coverage types, and all of them are important to your financial future. Without home insurance, you would be on the hook for extremely expensive costs that can be necessary after a damaging event. When you’re looking for home insurance, give us a call at Garrison Insurance Group in Lilburn, GA.

You Need Home Protection

One of the biggest reasons that homeowners should have one of these policies is that they cover the entire home. Each policy has a wide range of types of risks that it covers you against. Things like accidents and specific disasters are risks that the policy will cover you for. If a covered event happens and your home is damaged, your home insurance pays for the necessary repairs. Without this insurance, you could be out many thousands of dollars in repair costs. If your home gets completely destroyed, your policy can pay for rebuilding it.

Protecting Your Possessions

It’s also important to have your possessions protected, and home insurance does this. The possessions in your home when they’re added together are worth a lot of money. When you have a home insurance policy, it covers you against the loss or destruction of these items. Without this policy, you would have to replace everything on your own. Most people wouldn’t be able to afford to replace everything after a covered incident happened. With this insurance in place, they won’t have to. 

Get Your Home Insurance Policy

If you don’t already have a home policy, don’t wait to get one. It’s always best to have a policy at all times while you own your house. To get covered, call us at Garrison Insurance Group in Lilburn, GA.