Homeowners insurance is a vital part of owning a home, yet many people may not fully understand what goes into their insurance policies. At Craig-Massee Insurance Agency in Milledgeville, Georgia, their highly experienced agents will ensure you receive the very best coverage at the most affordable price.
Before you commit to your insurance policy, here are a few aspects you should know about homeowners insurance:
- Coverage: Basic coverage covers you in case of a fire, smoke damage, lightning, burglary, or frozen pipes. It also includes liability coverage, which would be used in the event of an injury in your home. It also covers court fees, and will usually take care of living costs if you are displaced due to any of these reasons.
- Exclusions: Since homeowners insurance varies from one company to the next, it’s important to pay attention to the specific exclusions of your policy. Many policies exclude damage due to a flood, earthquake, or terrorist attack, for example.
- Premiums: Your insurance premium will vary widely based on several factors. The location of your home is a major part of your insurance rate, for example. Homes near fire departments actually have lower premiums, while those in areas deemed dangerous have higher ones. Among many other variables, the age, size, type, and value of your home will also play a role.
- Rights: Before filing a homeowners claim, you should be informed of your rights. For one, you have the right to access your insurance policy and claims report in the event either is lost. You also have the right to challenge any claims that may be denied.
The expert agents at Craig-Massee Insurance Agency understand the burden of paying a mortgage, and will do everything they can to save you money on your homeowners insurance plan. As a local, family-owned business with over 40 years serving the community, you can count on them to keep your best interests in mind. They offer highly personalized plans to meet the needs and budget of every client. They also offer extra savings for bundled insurance policies, including an auto and home package.
For the best insurance company in Milledgeville, choose Craig-Massee Insurance Agency. To find out how they can help you, call a friendly professional today at (478) 452-3539. To learn more about their auto, life, homeowners, and other insurance plans, visit their website.