Georgia Homeowners Insurance
Whether you own a house, condominium or townhouse, for most people
their home is their most important investment. JRS Risk Services of
Atlanta, GA offers Georgia homeowners insurance policies that have
flexibility to meet your individual needs and above all, provide you with the
security that comes only from the knowledge that your home is safe.
Insurance for your home is one of the most popular and important forms
of personal insurance and the typical Georgia Homeowners Insurance
policy has two main sections:
Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in
case of lawsuits arising from things that happen on
your property)
Homeowners insurance is often required by lenders to
obtain a mortgage and nearly everyone, whether you
own or lease property, should have the protection of
homeowners insurance.
Georgia Homeowners Insurance FAQ
Click on the link below to fill out a secure quote request form for a
Georgia Homeowners Insurance policy that will provide excellent
insurance coverage at an affordable cost. Or you can speak with our
Georgia Homeowners Insurance specialist at (678) 921-4650 to discuss
the policy features in more detail.
Covered losses under a Georgia homeowners insurance policy can be
paid on either a replacement cost basis or on an actual cash value basis.
When "actual cash value" is used, the policy owner is entitled to the
depreciated value of the damaged property. Therefore, the older the item
is, the less money you may receive for it. If you choose the "replacement
cost" coverage, the Georgia homeowners insurance policy will reinburse
the amount it costs to replace the property with something of a similar
type and quality at current prices.
Georgia Homeowners Insurance Policy FAQ
We are an Atlanta, GA insurance agency offering affordable Georgia
homeowners insurance policy premiums to residents located in the following
cities and counties in Georgia: Smyrna, Douglasville, Vinings, Oakdale, Sandy
Springs, Marietta, Riverside, Carey Park, Adamsville, Bolton, Center Hill,
Grove Park, Buckhead, Morningside, Fair Oaks, Privette Heights, Dunwoody,
Chamblee, Doraville, Skyland, Brookhaven, Embry Hills, Oak Grove,
Rehoboth, Vista Grove, East Marietta, Toco Hills, North Druid Hills, Decatur,
Scottdale, Clarkston, Belvedere, Pendley Hills, South Decatur, Druid Hills,
Gresham Park, Avondale Estates, Panthersville, North Decatur, Cedar Grove,
Conley, Forest Park, College Park, East Point, Stockbridge, Morrow,
Riverdale, Stone Mountain, Union City, Mableton, Lithia Springs, Winston,
Douglasville, Austell, Powder Springs, Hiram, Dallas, Kennesaw, New Hope,
Kennesaw, Acworth, Woodstock, Roswell, Alpharetta, Norcross, Duluth,
Gainesville, Buford, Auburn, Winder, Cartersville, Rome, Cedartown, Peachtree
City, Buckhead, Canton, Cumming, Braselton, Sugar Hill, Hoschton, North
Atlanta, Tucker, Pine Lake, Mountain Park, Glen Haven, Belmont, Redan,
Pittsburg, Lilburn, Luxomni, Snellville, Five Forks, Centerville, Whitney,
Pannell, Lithonia, Dialtown, Flint Hill, Conyers, Milstead, Klondike, Panola,
Snapfinger, Magnet, Gloster, Bethesda, Pleasant Hill, Pittman,
Mechanicsville, Meadow, Berkeley Lake, Lawrenceville, Forest Hills, Suwanee,
Northwoods, East Lake, East Atlanta, Oakhurst, La Vista, Brookhaven,
Doraville, Fulton County, Dekalb County, Forsyth County, Gwinnett County,
Walton County, Newton County, Paulding County, Douglas County, Cherokee
County, and Cobb County, GA. We can also offer inexpensive Georgia
homeowners insurance policies throughout the Peach State, including in
Macon, Columbus, Augusta, Athens, and Savannah, GA.
Personal liability in a Georgia homeowners insurance policy is also an
important part of having security from accidents that may occur on your
property. We suggest you choose coverage limits that are not less than
those on other liability insurance you own, such as car insurance.
Georgia Homeowners Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a
Georgia Homeowners Insurance policy that will provide excellent
insurance coverage at an affordable cost. Or you can speak with our
Georgia Homeowners Insurance agent specialist at (678) 921-4650 to
discuss the features in more detail.
An "All Risks" policy provides the broadest Georgia homeowners
insurance protection because it will cover losses that are due to any
peril except those specifically excluded in the policy. A "Named Perils"
policy covers losses that are due to only those perils listed in the
standard Georgia Homeowners Insurance policy and typically include
fire, hail, windstorm, and other physical losses.
Georgia Homeowners Insurance Policy FAQ
If your policy limit is less than 80% of the replacement cost of your home,
you will face a "coinsurance penalty," which means you'll have out-of
pocket expenses to cover costs beyond the policy deductible you chose.
For example purposes we will assume your home's estimated
replacement value (RCV) is $100,000. The co-insurance clause requires
you carry at least $80,000 (80% of your RCV). If you chose to purchase
only a $40,000 Georgia Homeowners Insurance policy you would be
underinsured by half. Therefore, in the example the insurance company
would pay one-half of a loss less the policy deductible, so if you suffered a
$10,000 covered loss to your house, condominium or townhouse and had
a $500 deductible, your policy would only pay $4,500.
Georgia Homeowners Insurance Policy FAQ
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.
Replacement Cost or Actual Cash Value
All Risks or Named Perils
Coinsurance Penalty
Personal Liability
Georgia
Personal Insurance
Homeowners
Insurance
JRS Risk Services
2727 Paces Ferry Rd. SE
Building 1, Suite 260
Atlanta, Georgia 30339
Cobb County, GA
Office: (678) 921-4650
Fax: (678) 921-4651
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Georgia Homeowners Insurance Information
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