Safeguarding Southern Charm: Home, Fire, & Flood Insurance Coverage in Savannah, GA
Keep your home protected with First Choice Insurance in Savannah, GA. We offer comprehensive homeowner’s insurance. Call (912) 355-0001.
What Is Homeowner’s Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy ensures the home itself and what you keep in it. Homeowners insurance is a package policy. This means that it covers damage to your property and your liability or legal responsibility for any injuries and property damage you or your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered, but there are exceptions. The most significant are damage caused by floods, earthquakes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why Do I Need Homeowner’s Insurance?
It is all about financially protecting yourself if something unexpected happens to your home or possessions. That's important because your home is likely one of your most significant investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
Floods
Fire
Hurricanes
Theft & Vandalism
Things to Consider and Questions to Ask Your Insurance Agent
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
- What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Call our team at (912) 355-0001 for a homeowner’s insurance quote.