Home insurance
Insure your home for what it costs to rebuild
Homeowners, condo and renters insurance for Forsyth, Gwinnett and the rest of Georgia.
Reading your declarations page
Coverages A to F, in plain English
ADwellingRebuilding the house itself
BOther structuresFences, sheds, a detached garage
CPersonal propertyFurniture, clothes, electronics
DLoss of useHotel and living costs while repairs happen
EPersonal liabilitySomeone is hurt at your home and sues
FMedical paymentsSmall injury bills for guests, no lawsuit needed
What changes your price
What insurance companies look at
- Roof age and material
- Your wind and hail deductible, often a percentage of Coverage A
- Year built, square footage and construction
- Monitored alarms, water-leak sensors and smart devices
- Claims in the last five years
What to send
For a home quote
- Your current home declarations page
- Roof replacement year, if you know it
- Your mortgage company's name, for the new policy