Home Insurance in Villa Rica, GA

Your home is a valuable investment, and home insurance can protect your finances in case of unexpected events. Michelle Allen Agency Inc can help you find the policy that aligns with your circumstances.

What Does It Cover?

A standard home insurance policy can offer the following:

• Liability coverage can cover expenses related to third-party claims of bodily harm or property damage.

• Dwelling coverage can insure parts of a home’s structure like roofs, windows, walls and porches.

• Other structures coverage can help pay for the repair costs of fences, garages, sheds and other detached structures.

• Personal property coverage can cover the repair or replacement of your appliances, furniture or electronics, up to your policy limits.

• Loss of use coverage can cover expenses like meals and hotel accommodations if a covered risk forces you to temporarily move out of your home.

Talk to your broker if you’re interested in additional coverage, such as for floods, umbrella liability or high-value items.

How Much Does It Cost?

The cost of a home insurance policy can depend on multiple factors. These include, but are not limited to:

• Claims history

• Location

• Property type and value

• Risk exposure (e.g., natural disasters, crime, fire, etc.)

• Policy specifics (e.g., deductible, coverage limits)

Is It Required?

Georgia state law does not require home insurance. However, lenders may ask for proof of a policy if you have a mortgage on your home. Even if your property is not under a loan, it’s still recommended that you purchase sufficient coverage for unexpected accidents, damage and liabilities.

Where Can I Purchase a Policy?

Contact Michelle Allen Agency Inc today to request a quote or learn more about your home insurance options.