Home Insurance in Georgia
Your home is probably your most expensive investment, and one of the few that may eventually give you more money than you paid to start with. This is a great reason to have insurance to protect your property. If you have a mortgage, the lender will most likely also require you to have insurance. At First Priority Insurance in Morrow, GA, we are here to provide home insurance for all Georgia residents. We can answer all your questions and help you find the policy that is best for your situation.
Home insurance is more than fire insurance, but that is an excellent place to start. There is also liability coverage to protect you if someone gets hurt on your property. You may also want coverage on the contents of your home, as the basic packages only cover the structure itself. Flood insurance is another matter, and a different policy is needed for that coverage. For everything else regarding your home, we can help you get the insurance you need.
Choices you make will affect how much you pay. It is, however, important to know what you are paying for, and that is where we can help. There is a difference between replacement cost and fair market value, and that will affect the type of coverage you choose.
Replacement cost is what it will cost to get a replacement for what was destroyed. Market value is what the item is worth today. A $1000 couch you bought ten years ago is worth much less than that today, and that is the fair market value.
Visit First Priority Insurance in Morrow, GA today to learn more about home insurance, and to get the coverage you need. Your home is too valuable not to have proper coverage, whether it is required or not. Visit us today to get the best possible coverage for your home. Our professional staff is here to answer your questions and explain how all our policies work.
Many Georgia residents in or around the Morrow, GA area find themselves needing to rent an apartment or a home for their family. While renting alleviates the responsibility of the structure maintenance, you should continue protecting your personal belonging with a renter insurance policy from First Priority Insurance. Below are the benefits of renter’s insurance and why you should get yours today.
If the home or apartment you are renting becomes damaged and you are unable to live in it while it is being repaired, your renters' insurance will cover any hotel fees or relocation fees you acquire during this time. You will be able to safely transport your personal property during relocation.
Pet Damages Are Covered
If you own a pet that bites a guest while they are on your rental property or causes property damage, you could be responsible for any medical bills or damage. With renter’s insurance, this is claimed under your liability coverage and you will not be responsible for additional out-of-pocket costs. You will not be forced to dip into your savings or sell any personal assets to cover the cost.
Personal Property Covered
Should your apartment or home be the victim of a natural disaster or theft, your personal property may be destroyed or stolen. With renters' insurance, you have the ability to cover your valuable property pieces such as electronics, jewelry, clothing, and any other property you would like to protect. Just include these items on your policy with your agent and should one of these tragic events arise, you will be able to replace your personal property.
Get Your Renters' Insurance Today
Losing personal property due to a tragedy or having to come up with unexpected funds for liability medical bills can be financially devastating. With renters' insurance, these events can be manageable and provide the protection you need. If you live in the Morrow, GA area, contact our agents at First Priority Insurance today for your personal quote.