Homeowners Insurance in Macon, GA & Centerville, GA
Homeowners insurance, also called home insurance, may offer essential financial protection after unexpected events such as fires, storms or vandalism. In addition, it may provide liability coverage in case you or a family member unintentionally cause injury to someone else or damage their property. Many home insurance policies allow adding optional endorsements or riders to cover specific risks that standard policies may not address.
What Does Homeowners Insurance Cover? 
While the specifics of home insurance policies can differ, most include the following:
- Dwelling coverage may help pay for repairs to the main structure of your home, which includes the roof, walls and foundation.
- Other structures coverage can cover additional buildings on your property, such as detached garages, sheds and gazebos.
- Contents coverage may help recoup financial losses if belongings inside your home, such as furniture, electronics and clothing, are damaged or stolen.
- Liability coverage may offer financial assistance for legal and medical expenses if you’re found responsible for injuries or property damage affecting someone else.
- Additional living expenses coverage may compensate for hotel stays, meals and other temporary expenses if your home becomes uninhabitable due to a covered event.
Is Homeowners Insurance Required?
Although homeowners are typically not mandated by law to carry insurance, many find it necessary due to other obligations. In particular, mortgage lenders usually require borrowers to maintain a certain level of home insurance coverage for the duration of the loan.
Additionally, given the size and importance of this investment, individuals and families need to take steps to financially protect their homes. Even the most careful and responsible homeowners can face unexpected events that put their property and finances at risk.
Find the Coverage You Need
At Georgia State Auto Insurance, we’re committed to offering the right homeowners insurance solutions. Contact us today to explore your options or request a custom quote tailored to your needs.