Population is on the rise in Savannah as the cost of living is low and the prospect for new jobs is high. If you own a home in this vibrant Southern city, you may want to consider protecting your investment with a suitable Savannah, GA homeowners insurance policy.
Whether you are shopping for Savannah homeowners insurance to find a better policy or because you are purchasing a new home, a Trusted Choice® independent agent can help. Because Trusted Choice agents do not work for a specific insurer, they can provide several Savannah home insurance quotes for you to compare and choose. Contact an agent in your neighborhood today for more information.
- National yearly premium average: $1,034
- Georgia yearly premium average: $975
- 23rd most expensive premium in the US
On average, Georgia home policies are more affordable than they are in other places in the country. Keep in mind that the cost of homeowners insurance is different for every individual. Historical homes in the Savannah Historic or Victorian Districts, for example, will likely cost more to insure than country homes in Bloomingdale. There are several factors that can affect the cost of your policy, among them:
- The value of your home
- The location of your home
- The value of your personal belongings
- The policy options you select
- How much liability coverage you purchase
- The amount of your deductible
Many companies also offer policy discounts that can significantly lower the cost of your insurance premiums. These are usually available to those who have multiple policies with the same insurer and for homeowners who have installed security systems including deadbolt locks, burglar alarm systems and smoke alarms that connect directly to an emergency response system. Other policy discounts may be available to you, so be sure to ask your agent.
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Savannah Homeowners Insurance Protects Against Weather Hazards
Homeowners insurance can protect you from the financial devastation that usually accompanies a disaster. In particular, the high cost of repairs after a severe weather event damages or destroys your home can be mitigated by an insurance policy fit to your needs and budget.
Tornadoes occasionally touch down in Georgia. These storms frequently cause property damage, with high winds and potentially heavy rainfall. It is important to make certain that your policy provides compensation for tornado damage and that you have sufficient coverage for the belongings in your home. Some of your more valuable possessions, such as artwork or jewelry, may need an additional endorsement, or rider, to be fully covered.
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
- 1 in 15 homes has a claim each year, nationally.
Georgia has its share of catastrophes nationally, including tornadoes and floods. Damage from floods is almost never covered by homeowners policies. Only a flood insurance policy issued through the National Flood Insurance Program, or NFIP, will provide this protection. If you live in a designated flood zone, your mortgage company will likely require you to carry this coverage.
A local Trusted Choice agent can ensure that the policy you purchase provides adequate coverage for the disasters you may face in Savannah. Your agent can also provide you with more information about flood insurance.
Savannah Homeowners Insurance Protects against Property Crimes
Property crimes, such as burglary and vandalism, can lead to financial loss. Burglars do more than just steal your valuable belongings. They often damage property such as doors and window and they can rob you of your feeling of security. Being the victim of a burglary is very stressful, but knowing that your Savannah homeowners insurance will compensate you for your losses can help ease your mind.
Number of Thefts in Georgia:
- National average for burglaries: 37,814
- Georgia number of burglaries: 82,258
Deadbolt locks are an inexpensive way to provide added security to your home. Adding a burglar alarm system is another good idea. Be sure that all entrances to your home are well lit and not hidden obscured by trees or bushes. Most importantly, make sure that all your valuable belongings are properly covered by your homeowners insurance policy.
Savannah Homeowners Insurance Protects Against Liability Claims
Legally, there are several things that you are responsible for as a homeowner. If someone files a claim against you for bodily injuries they sustained in your home (including a bite from your family dog), you can be held responsible for the cost of treatment. Likewise, if you’re responsible for property damage to someone else, you’re responsible to pay for any replacements or repairs. An example of this might be if you have a dead tree in your yard that falls and smashes your neighbor’s car – you could be held legally responsible for the replacement or repair of that car. Claims of libel and slander are also examples of liability. Homeowners insurance can help protect you financially from these unexpected claims that can be very financially devastating.
Many insurance experts recommend purchasing high liability coverage or supplementing the coverage you have with an umbrella insurance policy. If you’re curious about liability insurance, how it works, and how it protects you if you’re taken to court, a Trusted Choice agent can help you obtain the liability coverage you need.
Compare Savannah Home Insurance Quotes
The best way to find out what your home will cost to insure is to acquire policy quotes from at least three providers. This will allow you to be certain that the rates you are quoted are reasonable ones. Your Trusted Choice agent can provide you with quotes from a variety of insurers and help you compare coverage.
All Trusted Choice agents have signed a pledge to provide the people in their communities with exceptional customer service and ethical recommendations and advice. With more than 27,000 locations nationwide, it is easy to find an agent in your neighborhood. Contact an agent to start comparing Savannah home insurance quotes today.