Atlanta Homeowners Insurance

Your Guide to Buying Homeowners Insurance in Athens, GA

Find the right homeowners insurance policy for you.

Home to the University of Georgia, the pleasant college town of Athens is renowned as a cultural center. If you have recently purchased a home in this vibrant and beautiful city, it’s a good idea to protect your investment with an Athens, GA homeowners insurance policy.

A Trusted Choice® independent insurance agent can make shopping for homeowners insurance a simple process. These agents have relationships with several insurance companies and can provide a selection of policies for you to compare. Contact an agent in your neighborhood to start comparing Athens home insurance quotes today.

  • National yearly premium average: $1,034
  • Georgia yearly premium average: $975
  • 23rd most expensive premium in the US

In general, Georgia residents pay relatively low rates for their homeowners insurance. However, averages should be used for reference only. Your insurance premiums will depend on many factors, like the value and location of your home, the amount of coverage purchased, and whether or not you qualify for discounts.

A Trusted Choice agent can help you find a competitively priced policy that can meet your needs. Your agent may also be able to help you save on your premium costs each year.

What Is Athens Homeowners Insurance?

The home may be your single most expensive purchase. Homeowners insurance is designed to protect you from financial losses from a variety of risks. Home insurance policies can vary from insurer to insurer.

Most homeowners insurance includes the following items:

Structure coverage: This will provide compensation if the structure of your home is damaged by fire, weather or other causes. Some catastrophic events, such as floods and earthquakes, may require separate riders or policies for coverage. It’s a good idea to purchase a policy that will provide adequate compensation to help you rebuild if your house is destroyed in a catastrophe.

Contents coverage: This provides compensation if a covered event causes damage to the property you keep inside your home or if you home is burglarized. It’s a good idea to make sure that the insurance you buy will completely replace your valuable possessions after a loss. Certain valuables, such as art, heirlooms and expensive electronics, may need additional endorsements, or riders, in order to be fully covered.

Liability coverage: If you are liable for an injury sustained on your property, such as a fall on a slippery walkway or severe injury in your backyard swimming pool, your liability coverage will provide compensation. This coverage will also shield you from excessive financial losses if you are sued for slander or libel.

Athens Home Insurance Protects Against Weather Damage

One of the most common causes of expensive damage to homes is weather. Most homeowners insurance policies provide coverage for damage caused by wind, hail and lightning, but disasters such as earthquakes and floods sometimes require homeowners to purchase additional endorsements.

Number of Catastrophes in Georgia:

  • National number of catastrophes: 19,033
  • Number of catastrophes in Georgia: 892
  • National number of tornadoes: 1,233
  • Number of tornadoes in Georgia: 23
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Georgia: $9,040,000

The number of catastrophes in Georgia is well above the national average, and its number of tornadoes is higher than that of most of the other states.

The Middle Oconee River, near West Athens, has been known to rise and cause flood damage. Most homeowners insurance policies do not provide coverage for damage caused by floods. Flood insurance can be purchased separately through the NFIP. A Trusted Choice agent can provide more information about flood insurance and can help you secure this type of policy.

Athens Homeowners Insurance Protects Against Crimes

Property crimes include theft, burglary, vandalism and arson. It can be very stressful to be a victim of property crime, but homeowners can achieve some peace of mind by knowing that their home insurance policy will provide them with compensation for their losses.

Number of Thefts in Georgia

  • National average for burglaries: 37,814
  • Georgia number of burglaries: 82,258

The property crime that most commonly affects homeowners is burglary. The burglary rate in Georgia is higher than the national average, and this holds true for Athens as well.

Residents are strongly advised to secure homes with deadbolt locks on all external doors and to install windows that can be securely locked. Homes can be further secured with burglar alarm systems. Taking preventive measures may also save you money on your home insurance policy.

Find an Athens Homeowners Policy that is Right for You

Rates for homeowners insurance policies can vary significantly from one insurer to the next. Because they are independent of any particular insurance company, Trusted Choice agents can provide a variety of competitively priced policies and can help you review the coverage offered by each. Independent agents are experienced insurance professionals who are happy to comparison shop for you.

Every agent has signed a pledge to provide customers with exceptional service and ethical advice. Find out what Trusted Choice agents can do for you. Find an agent close to your home to get a variety of Athens home insurance quotes.

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