Georgia Homeowners Insurance

Georgia Homeowners & Condo Insurance

Whether you own a house, condo or townhouse, for most people their
home is their most important investment. Lindsey Insurance Group
offers Georgia homeowners insurance policies that have flexibility to
meet your individual needs and above all, provide you with the security
that comes only from the knowledge that your home is safe.

Insurance for your home is one of the most popular and important forms
of personal insurance and the typical Georgia homeowners insurance
policy has two main sections:

Personal Liability in a Georgia Home Insurance Policy

Personal liability in a Georgia homeowners insurance policy is also an important part of
having security from accidents that may occur on your property. We suggest you choose
coverage limits that are not less than those on other liability insurance you own, such as
car insurance.

Georgia Home Insurance Policy FAQ

Click on the link below to fill out a quote request form for a Georgia Homeowners Insurance
policy that will provide excellent insurance coverage at an affordable cost. Or you can speak
with our Georgia Homeowners Insurance agent specialist at (770) 510-4328 to discuss the
features.

Click here to fill out a

Georgia Homeowners Insurance

quote request form

We are your local Atlanta, GA area insurance agency, offering affordable Georgia homeowners
insurance policy premiums in the following cities and counties: Stone Mountain, Alpharetta,
Buckhead, Canton, Cumming, Buford, Braselton, Sugar Hill, Hoschton, Gainesville, North Atlanta,
Tucker, Pine Lake, Mountain Park, Glen Haven, Clarkston, Belmont, Redan, Pittsburg, Lilburn,
Luxomni, Snellville, Five Forks, Centerville, Caleb, Zingara, McElroys Mill, Rosebud, Grayson,
Loganville, Walnut Grove, Youth, Between, Windsor, Nicholasville, Alcovy Mountain, Bold Springs,
Campton, Monroe, Jersey, Whitney, Pannell, Lithonia, Panthersville, Dialtown, Flint Hill, Conyers,
Milstead, Klondike, Panola, Snapfinger, Magnet, Gloster, Bethesda, Pleasant Hill, Norcross,
Pittman, Mechanicsville, Meadow, Duluth, Berkeley Lake, Lawrenceville, Forest Hills, Suwanee,
Scottdale, Belvedere, Northwoods, East Lake, Decatur, Avondale Estates, Rehoboth, North Decatur,
East Atlanta, Dunwoody, Oakhurst, Druid Hills, La Vista, Brookhaven, Roswell, Doraville, Marietta,
Smyrna, Winder, Auburn, Gwinnett County, Dekalb County, Rockdale County, Walton County,
Newton County, Hall County, Barrow County, and Fulton County, GA.

Section I - insurance coverage for your property

Section II - personal liability coverage (to cover you in case of lawsuits
arising from things that happen on your property)

Georgia home insurance is often required by lenders to obtain a
mortgage and nearly everyone, whether you own or lease property,
should have the protection of home insurance.

Georgia Home Insurance Policy FAQ

Click on the link below to fill out a quote request form for a Georgia
Homeowners Insurance policy that will provide excellent home
insurance coverage at an affordable cost. Or you can speak with our
Georgia Homeowners Insurance agent specialist at (770) 510-4328 to
discuss the features.

Click here to fill out a

Georgia Home Insurance

quote request form

Personal Liability

All Risks or Named Perils

Coinsurance Penalty

Replacement Cost or Actual Cash Value

All Risks or Named Perils

Coinsurance Penalty

Personal Liability

All Risks or Named Perils

Coinsurance Penalty

Replacement Cost or Actual Cash Value

Personal Liability

All Risks or Named Perils

Coinsurance Penalty

Replacement Cost or Actual Cash Value

Personal Liability

All Risks or Named Perils

Coinsurance Penalty

Replacement Cost or Actual Cash Value

Click here to fill out a

Georgia Homeowners Insurance

quote request form

Georgia Home Insurance Policy FAQ

If your policy limit is less than 80% of the replacement cost of your home, you will face a
"coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond
the policy deductible you chose. For example purposes we will assume your home's estimated
replacement value (RCV) is $200,000. The co-insurance clause requires you carry at least
$160,000 (80% of your RCV). If you chose to purchase only a $80,000 Georgia Homeowners
Insurance policy you would be underinsured by half. Therefore, in the example the insurance
company would pay one-half of a loss less the policy deductible, so if you suffered a $20,000
covered loss to your house, condo or townhouse and had a $500 deductible, your policy would
only pay $9,500.

Coinsurance Penalty in Georgia Homeowners Insurance

Click here to fill out a

Georgia Home Insurance

quote request form

Georgia Home Insurance Policy FAQ

An "All Risks" policy provides the broadest Georgia homeowners insurance protection because
it will cover losses that are due to any peril except those specifically excluded in the policy. A
"Named Perils" policy covers losses that are due to only those perils listed in the standard
Georgia Home Insurance policy and typically include fire, hail, windstorm, and other physical
losses.

All Risks or Named Perils in Georgia Homeowners Insurance

Click here to fill out a

Georgia Home Insurance

quote request form

Georgia Home Insurance Policy FAQ

Covered losses under a Georgia home insurance policy can be paid on either a replacement cost
basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is
entitled to the depreciated value of the damaged property. Therefore, the older the item is, the
less money you may receive for it. If you choose the "replacement cost" coverage, the Georgia
home insurance policy will reinburse the amount it costs to replace the property with something
of a similar type and quality at current prices.

Replacement Cost or Actual Cash Value Option
in Georgia Homeowners Insurance Policy

**The information, pictures, and other content in this website about particular insurance services is
only provided for informational purposes. Any decisions regarding your insurance needs should be
discussed with a licensed insurance agent.