Homeowners, Renters & Mobile Home Insurance | Fase Insurance Group

Homeowners, Renters, and Mobile Home Insurance in Georgia and South Carolina

Where you live is worth protecting. Whether you own your home, rent an apartment, or live in a mobile or manufactured home, Fase Insurance Group has been helping families across Clayton County, Gwinnett County, Rockdale County, and York County find the right coverage since 2010. We are an independent agency working with multiple carriers — including Universal, Foremost, and others — so we compare options on your behalf and find the policy that fits your situation and your budget.

Homeowners Insurance

Your home is likely the largest investment you will ever make. A homeowners policy is what protects that investment when something unexpected happens — a fire, a storm, a break-in, or an accident on your property. Without the right coverage in place, a single event can have consequences that take years to recover from financially.

A standard homeowners policy may cover the physical structure of your home — walls, roof, floors, and built-in appliances — against covered events such as fire, windstorm, hail, lightning, and vandalism. It may also cover your personal belongings inside the home, provide liability protection if someone is injured on your property, and help pay for temporary housing if a covered loss makes your home uninhabitable while repairs are made.

If you are purchasing a home for the first time, your lender will require a homeowners policy before closing. We work with first-time buyers regularly and will walk you through exactly what your policy covers — in plain language, in English or Spanish — so there are no surprises down the road.

One thing worth understanding: homeowners insurance covers sudden and accidental losses, not wear and tear or maintenance issues. Knowing the difference matters when a claim happens. We take the time to explain your coverage honestly so you know what to expect before you ever need to use it.

Renters Insurance

If you rent your home or apartment, your landlord’s insurance covers the building itself — not anything inside it. If there is a fire, a break-in, or water damage from a neighbor’s unit, your furniture, electronics, clothing, and everything else you own could be lost with no financial recourse unless you have your own renters insurance policy.

Renters insurance is one of the most affordable types of coverage available. For a relatively small monthly cost, it can cover your personal belongings if they are damaged, destroyed, or stolen, provide liability protection if someone is injured in your unit, and help pay for temporary housing if your rental becomes uninhabitable due to a covered loss. If you are renting and do not have renters insurance, it is worth a conversation — the cost is lower than most people expect.

Mobile Home and Manufactured Home Insurance

Mobile homes and manufactured homes require specialized coverage that a standard homeowners policy is not designed to provide. The structure, construction methods, and risk profile of a mobile home are different — and the right policy needs to reflect that.

We work with carriers that specialize in mobile and manufactured home coverage, so you are not being forced into a policy built for a traditional home. Coverage may include protection for the structure itself against fire, wind, hail, and other covered events, your personal belongings inside the home, liability protection if someone is injured on your property, and temporary housing costs if your home is uninhabitable due to a covered loss.

If you own a mobile or manufactured home and have been told coverage is hard to find or expensive, call us — we have options that may surprise you.

Protecting Your Home and Your Business

Many of our homeowners clients are also small business owners or contractors. If you are running a business out of your home or need coverage for your work vehicles, a homeowners policy alone is not enough. Visit our Commercial Auto page to learn about coverage for work vehicles, or our General Liability page if you need coverage for your business operations. We can help you put everything together so your home and your livelihood are both properly protected.

Four Offices. Bilingual Team. Always Here for You.

Our offices are in Jonesboro, Lilburn, and Conyers in Georgia, and in Rock Hill, South Carolina. Walk-ins are always welcome, and everything can be handled by phone if that is more convenient for you.

Our team is bilingual and ready to help in English and Spanish. Si prefieres hablar en español, estamos aquí para ayudarte.

Frequently Asked Questions

Does my landlord’s insurance cover my belongings?
No. Your landlord’s policy covers the building structure only. Your personal belongings — furniture, electronics, clothing, and everything else inside your unit — are only covered if you have your own renters insurance policy.

Do I need homeowners insurance if I own my home outright?
It is not legally required if your home is paid off, but it is strongly recommended. Without it, you bear the full financial cost of any loss — fire, storm damage, theft, or a liability claim from an injury on your property.

Can you insure a mobile or manufactured home?
Yes. We work with carriers that specialize in mobile and manufactured home coverage. Call us at 770-960-8803 and we will find the right option for your situation.

What does homeowners insurance not cover?
Standard homeowners policies typically do not cover flood damage, earthquake damage, or losses resulting from lack of maintenance or gradual wear and tear. If you are in an area with flood risk, a separate flood policy may be worth discussing. We will be upfront about what your policy covers and what it does not.

Get Your Free Quote

A quote is free and takes just a few minutes. Call us at 770-960-8803, stop by any of our offices, or reach out online. We will find the right coverage for your home and your family at a price that works.

Homeowners, renters, and mobile home insurance coverage terms, conditions, exclusions, and limits vary by carrier and policy. All coverage is subject to the terms of the applicable insurance policy. This page is for general informational purposes only. Please speak with a licensed agent at Fase Insurance Group to determine the coverage appropriate for your specific situation.