Augusta Homewoners Insurance

Your Guide to Homeowners Insurance in Augusta, GA

Find the right homeowners insurance policy for you.

Home to the Masters Tournament each year, Augusta is the third largest city in Georgia. With a population of nearly 200,000 residents, this city has a lot to offer. Many people are moving into Augusta because of its low cost-of-living and extremely affordable housing. In fact, the average cost of a home in this city is less than $97,000. If you just bought a home, did some renovations, or are looking to get better protection for your investment, consider Augusta, GA homeowners insurance.

Shopping for the best homeowners policy can be time consuming and complicated, particularly for first time homeowners. A Trusted Choice® independent agent can simplify this task. These agents can provide quotes from multiple insurers, help you compare them, and can answer your insurance-related questions. Find an agent in your neighborhood to start comparing Augusta home insurance quotes today.

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

The cost of your policy will depend on several factors including the amount of coverage you purchase and the location of your home. The homeowners insurance cost you are quoted for can vary greatly from one company to the next. When you shop around to multiple insurers, you’ll be able to make a sound judgment on the best policy at the best price for your needs and budget. A Trusted Choice agent can be a great resource for you in your search.

What Does Augusta Homeowners Insurance Cover?

While policies can vary from one insurance company to another, you can expect to be covered against the following common problems:

  • Financial loss from liability claims
  • Expensive damage to the structure of your home
  • Loss or damage to personal property kept inside your home

Augusta Homeowners Insurance Protects You from Liability

Being sued for liability can lead to large financial losses. Some examples of things for which you may be held liable include injuries caused by a slip and fall on a wet or icy surface, or if your pet or child injures another person or causes property damage to a third party.

In most cases, accidents in the home result in minor injuries, but sometimes they can require expensive long-term medical treatment. Similarly, if a dead tree you failed to remove from your yard falls and smashes your neighbor’s brand new sports car, the cost to replace that property might be high. The liability coverage in your Augusta homeowners insurance will help shield your finances from expenses resulting from bodily injury and property damage.

Augusta Homeowners Insurance Covers Damage to the Structure of Your Home

Structural damage can range from damage to your roof caused by a hailstorm to the total loss of your home due to fire. You will want to be certain that the policy you purchase covers you against any hazards you are likely to face.

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

Most policies provide coverage for damage caused by wind, hail, fire and lightning. Some weather catastrophes, such as tornadoes and earthquakes, require the purchase of additional endorsements, or riders, for coverage. A local Trusted Choice agent will be familiar with the risks you face where you live and can ensure that your policy provides you sufficient coverage.

One thing that your homeowners policy will not typically cover, however, is flood damage. Fortunately, the National Flood Insurance Program (NFIP) offers flood policies that you can purchase from an insurance agent. These policies could be required if you live in a flood plain. Flood insurance can be purchased for the structure of your home only, the contents of your home only, or both. Ask your independent agent if you could benefit from this coverage.

Augusta Homeowners Insurance Provides Contents Coverage

A home inventory can help you be sure that you are purchasing enough personal property coverage. It will also help you make claims in the future. Taking a home inventory can be as simple as keeping receipts, photos, and descriptions of all your valuable belongings in a safe place. A Trusted Choice agent can help you assess your coverage needs.

In some cases, you may need to purchase additional endorsements to cover your more valuable items such as jewelry and heirlooms. That way, if your home is burglarized, you can be certain that your most valuable possessions are fully covered.

Number of Thefts in Georgia

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

Property crimes, including theft and burglary, are relatively common in Georgia. The state has a burglary rate that is much higher than the national average, and this is particularly true in Augusta.

If your home is burglarized, your Augusta homeowners insurance policy can provide compensation for your losses, and for repairs if the burglar damaged a door or window when gaining access to your home.

Find Augusta Home Insurance Quotes

Most insurance experts recommend that you obtain three quotes before selecting an insurance provider. This way, you can be certain that you are getting your policy at a competitive rate. A Trusted Choice independent agent can provide quotes from multiple insurers and can help you compare their coverage options.

Every Trusted Choice agent has signed a pledge to provide excellent customer service and ethical advice. Contact a local agent today to receive a selection of competitively-priced Augusta home insurance quotes.

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