Alpharetta Homeowners Insurance

Your Complete Guide to Alpharetta, GA Homeowners Insurance

How to connect with a local independent agent

Alpharetta Georgia homeowners insurance

Alpharetta, GA has some of the best schools in the country. It's home to technology and is one of the most populated cities in the state. 

If you own a home in this town of 65,799 residents, you'll want proper coverage. An independent insurance agent can help you get the best policy for your money. You can match with an expert today.

How Burglaries in Alpharetta, GA Affect Your Insurance Premiums

Insurance companies use a variety of factors to set your premiums. Local crime is one of them. To get the best price, you'll need to work with a professional to offset any carrier territory surcharges. Let's look at the numbers:

  • Number of burglaries per 100,000 households in the US: 376.00
  • Number of burglaries per 100,000 households in GA: 431.30
  • Number of burglaries per 100,000 households in Alpharetta: 153.60

When you want to lower your insurance costs due to a higher crime rate, consider bundling. If you bundle your home and auto insurance, you'll save big. Contact an Alpharetta independent agent to find out how burglary will impact your pricing.

Your Airbnb in Alpharetta, GA May Not Have Proper Coverage

If you own a short-term rental property in Alpharetta, you'll need specific coverage. Your primary homeowners policy won't cut it. To get the right insurance, you'll want to speak with an expert. 

There are specific landlord insurance policies to help with different types of rental exposures. A property that operates like an Airbnb will need a separate policy to insure the risk with revolving tenants. The best way to get protection for your investment is to contact an independent agent for quotes.

Do You Have Enough Coverage for an Alpharetta, GA Natural Disaster?

Catastrophes and disasters strike when you least expect. To be proactive in your insurance, speak with an independent agent to review your coverages. Your policy should have protection for all the common exposures in Alpharetta, GA. 

Top 5 risks for Georgia:

  1. Severe storms and lightning
  2. Tornadoes
  3. Burglary and other property claims
  4. Wildfires and residential fires
  5. Flooding and water damage

A homeowners policy will provide insurance for these exposures, excluding flood damage. Anytime you have a flood loss, you will only have coverage if you've purchased a separate flood policy. Get with an Alpharetta independent agent to quote your flood insurance before it's too late.


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Liability Insurance in Alpharetta, GA and Why You Need it

Liability insurance is the most used coverage on your home policy. It will help protect household members from various lawsuits. To have adequate insurance, get help from a professional. Areas where your liability coverage would apply:

  • Bodily injury to another person on your property
  • A dog bite injury to another party
  • Damage to another person's property

Another form of liability coverage is umbrella insurance. This policy will add an extra layer of liability protection. When your underlying home policy limits are exhausted, umbrella insurance will apply. Speak with an Alpharetta independent agent to get the coverage you need. 

How to Lower Your Alpharetta, GA Home Insurance Costs

An independent agent can help you with ways to lower your premiums. There are several options when it comes to saving some money on insurance. In the meantime, you should be aware of the averages:

  • National average annual home premium: $1,211
  • Georgia average annual home premium: $1,267

The first area your agent may suggest is your credit score. If you can improve your credit, you'll get much better rates. Carriers also offer a variety of discounts that you may qualify for depending on your history. Connect with a local independent agent to go over more ways to save on your home insurance.

Why You Need an Independent Insurance Agent in Alpharetta, GA

If you work with an independent insurance agent, you're getting coverage for an affordable price. They have access to dozens of markets, saving you time and premium dollars.

When you want the best policy for your money, an independent agent can help for free. Connect with a local adviser on TrustedChoice to save. 

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