Statesboro Homeowners Insurance

Your Complete Guide to Statesboro, GA, Homeowners Insurance

How to connect with an independent agent, fast.

Statesboro Georgia homeowners insurance

Statesboro, GA, is home to the blues and one of the largest cities in the state. With locally inspired music, this town knows how to sing.

If you own a home in the 31,379 resident city, you'll need a sufficient policy. Fortunately, an independent insurance agent can help. Connect with a local adviser to get started.

How to Save Big on Your Statesboro, GA, Homeowners Insurance

There are things you can do to help lower your home insurance premiums. If you use an independent agent, they can help you cut costs faster. First, let's look at the average homeowner's premium:

  • National average: $1,211
  • Georgia average: $1,267

An agent can show you which areas you can improve for better rates. Some are inside your control, while others are not. Take a peek at a few items to start:

  • Your credit score: You can work towards a better credit score, saving you on insurance. 
  • The coverage you select: An agent can help you choose coverages that will benefit you and save money.
  • Your claims history: The more claims you file, the higher your premiums are. Speak with an agent on what losses should be reported and which are better paid out of pocket.

The experts know the best cost-saving techniques in the field. If you work with a trusted adviser, you can get advice from a professional. Contact a Statesboro independent agent today.

What a Burglary Will Do to Your Homeowners Insurance Premiums in Statesboro, GA

Burglary and local crime will affect your insurance premiums negatively. If you live in a high activity city, you'll likely pay more for insurance. An independent agent can help offset costs. Check out the burglaries per 100,000 households below:

  • National average: 376
  • Georgia average: 431.3
  • Statesboro average: 499.7

When you're unsure how local crime will impact your premiums, it's safe to save where you can. If you bundle your home and auto insurance, you can save 30% or more on your costs. Speak with a Statesboro independent agent to get discounts on coverage. 

Natural Disaster in Statesboro, GA, and the Impact It Has on Your Premium

Catastrophe and natural disasters can occur at any moment. When they do, you'll need to have adequate protection. Claims will have an impact on your premiums as well. Find an independent agent to see how these disasters will affect you:

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

A trusted professional can help you protect your largest asset from a loss. When your coverage is sufficient, you'll have less to worry about if disaster strikes. Connect with a Statesboro independent agent to get the policy you need. 

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Your Rental Home Coverage Could Be Lacking in Statesboro, GA

If you own a long-term or short-term rental property in Statesboro, you need different coverage than your primary home. Since you'll have added exposures of vacancy and tenants, a Landlord policy is necessary.

Landlord insurance will provide protection when a loss occurs and when you're without tenants. Loss of use will cover your mortgage while your property is being repaired. Discuss your rental policy with a professional to get the right coverage. 

How to Make Sure You Have the Right Liability Insurance in Statesboro, GA 

If you have low limits of liability, you're putting your financial future at risk. When a lawsuit arises, and your coverage is lacking, you'll have to pay out of pocket. To safeguard your finances from the garnishment of wages, speak with an adviser.  

Personal Liability Lawsuits That Could Arise:

  • A pet bite claim
  • Damage to another party's property
  • Bodily injury to another party

When one of these claims turns into a more substantial loss, you'll need better protection. Umbrella insurance will provide an additional limit of liability. If your primary home policy coverage gets exhausted, umbrella insurance will kick-in. Talk to a local independent agent about your policy today.

Match with an Independent Agent in Statesboro, GA, to Get Proper Coverage

If you're unsure what your homeowners insurance will cover, get help from an independent insurance agent. They work on your behalf for free, saving you time and a lot of headaches. 

Since they have access to several markets, they give you the best options on coverage and price. Use the find-an-agent tool on TrustedChoice.com to get started on your policy.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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