Protect Your Family with Home Insurance in Georgia

Typically speaking, when you take out a home loan to buy your new house, you will be required to purchase homeowner’s insurance as a condition of the loan. Still, you would want to ensure your largest investment is protected with a comprehensive homeowner’s insurance policy in Braselton, GA. Assessing your potential risks is the first step in understanding how to ensure that you purchase the right policy for your needs. The second step in that journey is speaking with a knowledgeable agent at Harmony Insurance.

Homeowners’ Insurance Protects Your Largest Investment

Homeowners’ insurance offers a measure of security, knowing that you are protected from an array of natural disasters and legal liability in the event you are sued owing to an injury of some type on your property. In summary, your homeowners’ insurance should pay to replace or repair your dwelling. Additionally, this coverage includes protection for major housing systems like roofing, electrical, plumbing, and HVAC damage.

Should your property contain outbuildings and structures, such as free-standing garages, fences, garden sheds, and the like are generally covered. Likewise, personal property, including clothing, furniture, and personal items, can be replaced in the event of damage or destruction.

Finally, a homeowners’ insurance policy will ideally cover loss of use provisions, which will pay out to meet living expenses should you be unable to live at your residence owing to damage or destruction.  There are many ways your house might be damaged, but speaking with a trained, experienced, and knowledgeable agent, you can learn about all your insurance options.

Contact Our Team in Braselton, GA Today

If you are in the market for homeowners’ insurance for your Braselton, GA home, we want to discuss your options here at Harmony Insurance. Our team of friendly and knowledgeable agents is standing by to answer any questions you might have regarding the coverage you may need for your home.    

Does everyone need to get home insurance?

When you are in the Braselton, GA area, it is natural to spend a lot of time looking for a new place to live. Those that do move to this area of the state should think about buying their own home. When you are a property owner, there is a range of benefits that go along with it. As you are looking for your next home, you also need to consider your insurance needs. There are several reasons that someone here would need to get home insurance. 

Coverage is a Loan Requirement

One of the reasons you will need to get home insurance is that it can be a loan requirement. Those who choose to take out a mortgage when they buy their home will have a variety of loan obligations that need to be met. One requirement they will have will be to carry a full insurance policy. In a lot of cases, you may also need to escrow for your payments each month.

Insurance Needed to Protect Investment

You will also need to get home insurance as it is the best way to protect your investment. If you choose to purchase a new home in this area, you will be making a large investment. You will want to ensure that your investment is properly covered and protected at all times. With a home insurance policy, you can continue to have proper coverage and protection.

As you are looking for home insurance in the Braselton, GA area, you should call the team at Harmony Insurance. The insurance team at Harmony Insurance can give you excellent guidance and support. Our team can assess the client’s individual situations to make sure that they are picking the right policy for their life. 

Why it is important to have a home inventory

Home insurance is something that no homeowner should be without. Life is just too uncertain. Braselton, GA is a beautiful place to live and own a home. Where else can you live in a town that is located in four different counties and has a world-class winery? At Harmony Insurance, we look forward to helping you to make sure that your home is protected at a price you can afford. We can also give you the information that you need to make an inventory of your home. 

If your home is damaged or destroyed, having access to your home inventory can make the difference between getting all of your possession replaced and only getting some of them replaced. While you may not want to replace every single item that is currently in your home, that is a decision that you want to make. You don’t want your insurance company to make it for you. You need to have proof of the things you own, especially those that are valuable. 

The more detailed your home inventory, the better. Do a complete inventory of every room in your home and also any outbuildings, such as a shed or garage. Don’t forget your attic or basement either. Adding photos of the rooms is also a good idea. For electronics and appliances, add the brand and model number. If you have sales slips or manufacturer information, include that. Appraisals are vital for any expensive items such as jewelry or collectibles. Once you have completed the inventory, it should be stored offsite if at all possible but, at the very least, in a fireproof, water-resistant case. 

Your home inventory is an important addition to your home insurance. If you are looking for home insurance or are considering replacing the one you have in Braselton, GA, Harmony Insurance is waiting to hear from you. Give our office a call or stop by for a no-obligation quote.