Homeowners Insurance in Jonesboro, GA

Homeowners insurance may help cover financial losses related to your home and belongings in the event of damage, theft or certain legal liabilities. Without this critical tool, homeowners may have to pay out-of-pocket for repairs, medical bills or legal expenses.

How Does Homeowners Insurance Work?brown and white concrete house near green trees under blue sky during daytime, home

When you purchase a homeowners policy, you pay a premium to an insurer in exchange for coverage that may include the structure of your home, personal belongings, liability for injuries on your property and additional living expenses if you’re temporarily displaced.

Policies vary, but most cover events like fire, windstorms, hail, lightning, vandalism and theft. Floods and earthquakes usually require separate policies. Coverage limits and deductibles apply, so make sure to understand what your policy includes and excludes.

Essential Considerations Before Buying Home Insurance

Before choosing a policy, evaluate your needs and ask the right questions. Here are some points to consider:

  • Coverage limits—Confirm the dwelling and personal property limits reflect the current value of your home and belongings.
  • Deductibles—Understand how much you’ll pay out of pocket before coverage kicks in.
  • Exclusions—Ask what events or damages are not covered.
  • Replacement cost vs. actual cash value—Determine whether your items will be replaced at today’s cost or depreciated value.
  • Liability protection—Check the amount of liability coverage included and if it’s sufficient for your situation.
  • Discounts—Inquire about discounts for security systems, smoke detectors or bundling with auto insurance.
  • Claims process—Ask how to file a claim and how long it typically takes to resolve.
  • Local risks—Consider regional hazards like flooding or wildfires and ask if additional coverage is needed.

Get a Quote

Contact Fase Insurance Group today for more information on homeowners insurance. Our agents can help you choose an appropriate policy.

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