Happy Fall!
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Oops, I'm a few days early but Fall IS coming, and did you know there are certain types of insurance claims that are more prevalent during the fall and early winter seasons?

How does a home warranty differ from homeowner's insurance, and do you need it?
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Most homeowners are required to have homeowner's insurance by their mortgage company, but a home warranty is an option that can be added on to a home policy.

You know the importance of insuring the big-ticket items in your home like jewelry, collectibles, firearms, and art, but what about other things that can add up too?
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Here's a quick rundown of high-end household items that might slip your mind when it comes to insurance:

Damage from hurricanes can include some or all of the following:

• dwelling damage
• wind damage
• flood damage
• personal property damage

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The coverage of standard homeowners policies can vary significantly, but in general:

Insurers are tightening their standards and restrictions so before you call to file a homeowners insurance claim and have it denied, ask yourself these questions:

- Do you know specifically what your policy covers/excludes?
- Was the damage from a sudden, acute circumstance or from a chronic issue over time?
- Have you taken photos/videos to document the damage?
- Have you spoken with your insurance agent to get his guidance on how you should proceed?

It's very important you have this information BEFORE you contact your insurance company about the damage.
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Let's take an example:

This is one of those endorsements to your homeowner's insurance that you may not think about until AFTER you need it.

This coverage covers all utility line damage that occurs on your property, including electrical, water, sewer, phone, and cable lines.
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These lines can be damaged by various factors like:

Are you SURE your homeowners insurance covers all you need in light of current inflation?

You might be surprised at how many people are underinsured to begin with, much less adding in the cost of inflation to that.

With the significant rise in construction costs over the past several years,  your homeowners policy may not have enough coverage in case your home is damaged or destroyed.

Even if you have an extra inflation protection endorsement, it may not be enough to cover the difference between the inflation factor and your coverage.

As an independent insurance agent, I have numbers of companies to help you ensure adequate coverage at the best possible rates.

​Call me today at 706-726-1446 for a comprehensive review and quote.

How often should you review your insurance policies?

At a minimum, evaluate them once a year prior to renewal to ensure they still meet your current needs and to take advantage of any potential cost savings.

Plus, certain life events or changes in circumstances may require an immediate review of your policies.
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Examples of situations that may require a review of your insurance policies include:

Yes and no.

It depends on the circumstance.  So when is mold covered by your homeowners  insurance policy?

Usually mold in addition to mildew, fungus and spores will be covered if they result from what's called a "covered peril."
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Examples of covered peril s include:  

Your home is usually the most expensive investment you will ever make.

Unfortunately, reports show that 2 out of 3 homeowners are UNDERINSURED.

That means they don't have enough coverage to replace their home if it is destroyed.
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There are numbers of reasons for being underinsured including the choices you select for your policy coverage.