Homeowners Insurance in Peachtree City, GA

Experts share their top picks for homeowners insurance companies in your city and more in Peachtree City, Georgia.

House with swimming pool with a clear blue sky. How to Find the Best Homeowners Insurance in Peachtree City, Georgia.

Homeowners everywhere are vulnerable to certain threats every single day. Unfortunately for those in Georgia, the average rate of burglaries is about 4.31 per every 1,000 people, which is higher than the national average of 3.76. Luckily having a strong homeowners insurance policy can help you get reimbursed for losses related to burglary and many other disasters.

An independent insurance agent in Peachtree City can help you get set up with a homeowners insurance policy fast. They'll make sure you get all the coverage you need. But up first, here's a breakdown of home insurance in Peachtree City, GA.

What Is Homeowners Insurance?

Homeowners insurance is a type of coverage meant to protect policyholders against financial losses related to property disasters like fires, vandalism, and much more. Home insurance considers your home's structure, contents, and loss of use. Coverage also applies to your personal liability if you end up getting sued by a third party.

What Does Homeowners Insurance Cover in Peachtree City, GA?

Home insurance encompasses coverage for all elements of the home. Standard policies in Georgia include these core coverages:

  • Liability coverage: If a third party sues you for bodily injury or property damage, this coverage can reimburse you for attorney, court, and other legal fees.
  • Dwelling coverage: If your home's structure gets damaged or even destroyed by threats like fire, falling objects, etc., this coverage can reimburse for rebuilding or repair.
  • Additional living expenses: If a major disaster like an explosion leaves your home temporarily uninhabitable, this coverage can reimburse for extra costs like hotel visits, takeout meals, laundry services, etc.
  • Contents coverage: If your personal property like clothing or furniture gets damaged by fire, etc., or even stolen, this coverage can help reimburse for replacement or repair.

Talk with an independent insurance agent in Peachtree City to get set up with all the home insurance you need today.

What's Not Covered by Homeowners Insurance in Peachtree City, GA?

You can get reimbursement after damage or destruction caused by many disasters from your home insurance policy, but it doesn't cover just anything that might happen.

Home insurance in Peachtree City, GA most often doesn't cover:

  • Termite, insect, or pest damage or infestation
  • Dishonest, malicious, and intentional acts
  • Flooding and earthquakes
  • Maintenance of the home
  • Nuclear and war damage

You'd need extra flood insurance and earthquake insurance policies to protect your home against damage or destruction caused by these disasters, since they're excluded from home insurance. Your independent insurance agent in Peachtree City can help you get covered.


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How Much Does Homeowners Insurance Cost in Peachtree City, GA?

Homeowners insurance in the state of Georgia currently averages $1,267 per year. Rates in Georgia are a bit higher than the current national average of $1,211 annually. In fact, Georgia's home insurance rates rank 18th-most expensive in the country.

The Most Common Home Disasters in Peachtree City, GA

While you can get critical reimbursement after a disaster happens from your homeowners insurance, you might not be able to ever prevent some of these incidents.

Homes in Georgia are most commonly impacted by these disasters:

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

Fortunately, your home insurance can help cover most of the disasters on this list. Just keep in mind that flooding caused by natural sources like hurricanes must be covered by a separate flood insurance policy.

Cheap Homeowners Insurance Near Me

Selecting a cheap homeowners insurance policy might actually end up costing you more money if the coverage isn't sufficient to reimburse you for an entire claim amount. Cheap coverage might also include a high deductible, meaning you'll receive less reimbursement for a claim since you'll be paying more out of your own pocket, first. 

A cheap policy might also be sold by an insurance company that's not as credible as others. This isn't always the case, but it's still a good idea to check out official ratings of the company first by organizations like AM Best. Your independent insurance agent in Peachtree City can also recommend reputable local carriers for home insurance.

Who Are the Best Homeowners Insurance Companies in Peachtree City, GA?

To save you some time on your homeowners insurance journey, we've gone ahead and compiled a list of some of our top-rated carriers for homeowners insurance in Peachtree City, GA. Check out our picks below.

Top Homeowners Insurance Companies in Peachtree City, GA Star Rating
5 star rating
5 star rating
Central Insurance
5 star rating
5 star rating
5 star rating

Why Work with an Independent Insurance Agent in Peachtree City, GA?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

An independent insurance agent can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Georgia to find you the right coverage at a great price.

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TrustedChoice.com Article | Reviewed by Paul Martin

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