Home Insurance in Georgia
If you own a house in Dalton, GA, home insurance agents are a valuable resource when it comes to properly insuring your home and belongings. Agents make understanding complex insurance policies, which can include coverage for much more than just your house, easy. When selecting an agent to work with, though, it’s important to make sure you find an independent insurance agent. Here’s what to look for in a homeowners insurance policy, along with what to look for in an insurance agent.
Features of a Homeowners Policy
Homeowners insurance is designed to cover your house, but it’s coverages are rarely limited only to the structure you live in. In addition to providing protection for your house, a homeowners policy may also include:
- personal property coverage for your family’s belongings
- liability coverage for accidents that occur on your property
- loss of use coverage in case your home is damaged
- coverage for other structures, such as sheds and detached garages, on your property
When selecting a policy, you’ll have to decide precisely what coverages you need, along with how much protection you want for each coverage. If you’re unsure of what selections to make, an independent insurance agent can help you understand the different options.
The Importance of an Independent Agent
There are two types of insurance agents: independent insurance agents and those that work for a specific carrier. Independent agents are free to show you policies from any insurer in Georgia, while agents that work for one insurer can only offer that company’s policies. Thus, only independent agents are able to help you consider every policy that’s available, ensuring that you choose the best one regardless of which company’s offering it.
If you don’t have an independent insurance agent, contact us at AWARD Insurance Group. Our independent insurance agents have served many homeowners in Dalton, GA, and they’d be happy to help you find a policy as well.