Face the fact, your home is your cozy place, and it is the most valuable asset your family has. Let’s protect your cozy place!

What is home insurance all about?

Home insurance protects you and your family from financial losses due to damage, fire, sever storm, tornado, theft and other natural and man-made hazards. It covers the contents of your home, additional living expenses incurred when your home becomes uninhabitable. In addition, liability coverage protects you if someone else hurts themselves on your property.

Typical home insurance packages for Georgia home insurance can cover the following:

  • The physical structure of your home
  • Replacement cost
  • Personal possessions
  • Additional living expense *
  • Personal Liability
* – In the event of covered loss or a natural disaster.

What kind of coverage are there?

There are things as homeowner you should keep in mind when choosing home insurance policy. First, you need to decide if you want a monocline home insurance or a package home insurance. The monoline policy gives you just one type of home insurance coverage. For example, monocline home insurance often covers only liability.

A package home insurance policy offers different kinds of coverage, such as property insurance, liability and etc. In general, it is recommended and more economical to buy a package home insurance policy.

As a home owner you need to know the following about package home insurance, you need specific home insurance that fits your specific situation. Consider these options:

HO2
The most basic Georgia home insurance policy. It covers damages caused by such things as fire, smoke, hail, wind, theft, vandalism, vehicles, frozen pipes, cracking, and air conditioners.
HO3
The more extensive coverage of the two, a HO3 Georgia home insurance policy provides liability insurance which pays damages for any accidents that occur on your property.
HO4
Provides content loss coverage on rentals for broad named perils.
HO6
A condominium policy providing insurance against broad named perils on an owner-occupied condominium unit.

… and there is more to know.

How much insurance do I need?

As a homeowner you already know the value of your home from home appraisal. That is the first and most important step before you can get insurance policy. Furthermore, as a homeowner you should create a home inventory of your belongings and things you want to insure. This is a valuable step for your own protection. According to research it is also the most ignored step by many homeowners.

Get a Quote for Home Insurance


  1. HOMEOWNER'S INFORMATION
  2. (required)
  3. (valid email required)
  4. (required)
  5. (required)
  6. At The Independent Group we understand
    that your Social Security number is a sensitive
    information. You may choose not to provide your
    SS number. However, if this information becomes
    necessary we will contact you over the phone.
  9. Do you have a spouse or sole owner?
  14. Do you currently have insurance policy for this home?
  17. HOME DETAILED INFORMATION
  18. (required)
  19. (required)
  20. (required)
  21. (required)
  22. (required)
  23. (required)
  24. (required)
  25. (required)
  26. Construction type
  28. (required)
  29. (required)
  30. (required)
  31. Basement
  33. (required)
  34. (required)
  35. Is there a garage? (check all that apply)
  37. (required)
  38. Central Heating
  40. Is there a fireplace?
  42. (required)
  43. Is there a smoke alarms?
  45. Is there fire extinguishers in the house?
  47. (required)
  48. (required)
  49. (required)
  50. Deck?
  53. Porch?
  56. Deadbolts
  58. Is there an alarm system?||
  60. Is there a swimming pool on the property?
  62. Do you own trampoline?
 

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