Rome, GA, was once a hub for trade and transportation due to its location where three rivers converge. Today, Rome is a university town and a local hot spot with over 36,375 residents.
When you own a home in this iconic place, you'll need the right protection. An independent insurance agent can help find coverage for a fair price. You can get matched easily with a local expert today.
Home Break-Ins and Your Rome, GA, Insurance Costs
Theft and local crime affect your home insurance premiums. Whether you own a mobile home or a million-dollar mansion, you'll be impacted. Luckily, an independent insurance agent can help offset any additional costs. Let's look at the numbers:
- Number of burglaries per 100,000 households in the US: 376
- Number of burglaries per 100,000 households in GA: 431.4
- Number of burglaries per 100,000 households in Rome: 737
Burglaries in Rome are almost double the state and national averages. This means that your rates could be higher. Speak with a Rome independent agent on ways to lower your premiums with other techniques.
When Natural Disaster Strikes in Rome, GA, You Could Be at Risk
Natural disasters and catastrophes will not only increase your insurance premiums, but they could put your finances at risk. When you're without the proper coverage, you may have to pay out of pocket. To avoid the depletion of wages, speak with a local adviser.
Top Five Property Risks in Rome, GA:
- Severe weather and storms
- Burglary and other property crimes
- Wildfires and residential fires
- Flooding and water damage
Most home policies will have coverage for severe weather loss, excluding flood. When you have flood damage, you'll be without coverage unless you have a separate policy already in place. Work with an independent agent so they can help protect your home from disaster and flooding.
What Is Your Rome, GA, Liability Insurance Missing?
Liability insurance is one of the most used coverages on your home policy. To be adequately protected, you'll want the advice of an expert. Liability coverage will insure against lawsuits such as:
- Bodily injury to another person on your property
- A dog bite injury to another party
- Damage to another person's property
If you're without the right policy, your finances will take a hit. Another way to be correctly covered is with umbrella insurance. Umbrella insurance provides additional liability protection over your underlying home policy when a large claim occurs. Connect with a Rome independent agent to get the right coverage for your home.
Is Your Rome, GA, Rental Property Correctly Insured?
Rental properties, whether short-term or long-term, need different coverage than your primary home. If you're insuring a rental property with a standard homeowners policy, you could be without coverage.
To have the right protection, you'll need landlord insurance. This policy will account for any vacancies and third party loss exposures. Contact a Rome independent agent so you can have adequate coverage.
How to Save Big on Your Rome, GA, Homeowners Insurance
When it comes to home insurance, the more ways you can cut costs, the better. Premiums are personalized, making them different for every insured. To get the best rates, connect with a local independent agent. In the meantime, you should be aware of the average home insurance premiums:
- National average: $1,211
- Georgia average: $1,267
There are some things you can control when it comes to your insurance costs. Since carriers look at a variety of factors, certain areas can be improved. Check out a few items where you can start:
- Your credit score: You can build good credit, which will give you a better premium.
- Coverage selected: You can choose cost-saving coverages and bundle policies to lower rates.
- Carrier discounts: There are discounts carriers offer if you have home updates to save you annually.
Your home insurance doesn't have to break the bank. If you partner with a trusted adviser, there are several ways to reduce your price. Discuss how you can save with an independent agent today.
Why You Need an Independent Insurance Agent in Rome, GA
An independent insurance agent works on your behalf for free. That means you don't have to spend any more time trying to find a policy. An independent agent does all the shopping for you, saving you money.
To connect with an agent, go to TrustedChoice.com. You can access the find-an-agent resource to get in touch with a local expert.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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