Your Suwanee, GA area home is important, and it’s probably your biggest investment. When you have a home, you want to protect it and make sure it’s going to be enjoyed for a long time. At Insurance Pro Group Inc. we can help you get the protection you want and need. Our trained and dedicated agents are focused on ensuring that our customers have proper coverage. If you’re not sure if you have enough insurance, there are ways you can find out. You want to have what you need, but there’s no point in having a lot of extra coverage you would never use. It’s much more efficient to have what’s required, and what you would actually use, instead. Here are three things to consider, when trying to decide if your home insurance policy is enough protection.
1. Talk to your agent about any adjustments you need to make, or changes you’ve made to your home.
2. Focus on the replacement cost of the house you have, instead of a lower level of coverage.
3. Update your policy every year, or at least meet with your insurance agent each year to discuss your needs.
When you talk to us at Insurance Pro Group Inc. you have the opportunity to properly protect your Suwanee, GA area home. That can make you feel better about your coverage levels, and give you the peace and protection you’re looking for. Security is important, and you want to know you have a high level of it for your most important investment. Reach out to us today, and we’ll work with you on the policy you currently have or find you a new one that’s better suited to your home insurance and protection needs, so you can have more peace of mind.
Owning a home gives you a lot of security and a lot of stress. So many things can go wrong and all of them are expensive. Sometimes it may seem that having to pay for home insurance is just one thing too many. When you have a mortgage, your lender requires that you have home insurance to protect their investment. But once you pay off the mortgage, it may be tempting to let the insurance lapse and save the money you were paying for your premium. Before you make such an important decision why not talk to the experts at Insurance Pro Group Inc. of Suwanee, GA and go over all the options.
Home insurance protects your investment in your future. Life is full of uncertainty and things can happen that would destroy the value of your home. Consider the results of a lightning strike on your home. A fire might start that has the potential to turn your home into a pile of rubble in minutes. If you have home insurance, you will have the money to rebuild and to replace the contents of your home. If you choose to let your home go without coverage, you may have not only lost your home temporarily, you will have lost it forever.
The amount of money that you pay for a premium will seem small compared to the replacement cost of your home, furnishing, clothes and mementos. Even if you can afford to rebuild, your savings will have taken a severe hit.
Your home insurance also has liability insurance that protects you against legal action against you should someone be hurt on your property or off your property by a family member or pet. Being sued can be very costly and without insurance, you will be personally responsible for all the costs as well as any judgment against you.
Home insurance is something that protects you in so many ways that it is worth the cost. Why not stop by and talk to the agents at Insurance Pro Group Inc. in Suwanee, GA. They can help you find the protection you need at a price you can live with.
Protecting your home in Suwanee, GA is important, and most people wouldn’t dream of going without home insurance. Knowing that your home is protected gives you peace of mind because you know that you are protecting your family. But insurance is an expense, and it never hurts to try to save money so you can spend it on something else. At Insurance Pro Group, Inc., we may be able to help save you money on your home insurance policy.
The best way to get a discount on your insurance is to bundle your policies together. If you bundle your policies together and purchase them in one place, your insurance company will give you a loyalty discount for having multiple policies with them. Policies may differ as to what other kinds of discounts will be offered, but there is a wide range of possibilities you can consider.
New homes often get an automatic discount, and anyone who goes for a certain length of time without making a claim may be able to ask for an extra discount. There is a wide range of safety discounts that may be available, and you may qualify by having a burglar alarm, smoke detector, or water safety system. Storm shutters may qualify you for an additional discount. Some insurance companies offer an automatic discount for renewing with them for another year, or for paying the annual policy amount at once instead of making monthly payments.
If you would like to discuss a home insurance discount in Suwanee, GA, please call Insurance Pro Group, Inc. today for a free consultation and evaluation.
A general homeowner’s insurance policy will provide you with much of the coverage you will need in the event of a claim, but some events may not be covered under a standard policy or may not be enough to cover the loss. At Insurance Pro Group, Inc. in Suwanee, GA, we know the importance of insuring your home and belongings against all types of risk. Listed below are three optional coverages to add to your homeowner’s policy that is worth the cost.
Additional Jewelry Coverage
While homeowners’ policies cover the loss or theft of jewelry, the limit is often lower than the value. Theft coverage for jewelry in a standard policy will only cover between $1500 and $2000. This may not even be enough cost to cover one item of jewelry such as an engagement ring, let alone an entire collection. There is optional coverage to add to your policy that includes a higher amount of jewelry coverage. If you have any valuable pieces or a large amount of jewelry, this option would be worth the investment.
Sewage Backup Coverage
Sewage backup is a type of water damage that occurs when the sewage in the pipes backup up into your home through drains. When this occurs, you will not only have a significant amount of water damage but typically a health hazard as well. Sewer cleanups require specialists to help prevent mold and mildew and ensure that all of the areas are safe to reinhabit. A standard homeowner policy does not cover sewer backup, and costs for clean up can range from $2000 to $10,000 depending on how much damage occurred.
Actual Cash Value
When storms hit the Georgia area, your home may suffer significant harm due to high winds, heavy rains, or falling trees. If you experience a significant amount of damage, you may find yourself replacing some high ticket items in your home. When choosing your homeowner’s policy, you will have the option of opting for replacement value or upgrading your policy to cover actual value. When it comes time to replace high-cost items such as furniture, a replacement cost policy will only provide you with the current value of your particular item less the depreciated value. Unfortunately, this can leave you short on funds when it comes time to replace your damaged possessions. Receiving the actual value to replace the items will be less stressful for you and your wallet.
Preparing for the worst is important when it comes to homeowner’s insurance. If you find yourself without proper coverage or too little coverage when disaster hits, you could end up paying significant costs for repair. Protect your home and valuables by discussing your homeowner options and add-ons with an insurance agent today. If you would like to learn more about the options above or other additional homeowner protection, contact an agent at Insurance Pro Group, Inc. in Suwanee, GA today.