Buying, renewing or making a change? Start here
A closing date, a renewal notice or a renovation is a good reason to revisit your homeowners insurance. Bring your current policy if you have one, and tell us what has changed. We’ll help you identify the questions to resolve before selecting coverage.
For a home purchase in Flowery Branch, share the property address, expected closing date and lender’s contact information. For an existing home, gather details about the roof and recent updates. These facts help move the quote conversation forward without unnecessary back-and-forth.
Look beyond the dwelling limit
A homeowners policy is a collection of coverages, conditions and exclusions. Review each part of the proposed policy—not just the annual premium.
The home itself
Discuss the estimated cost to rebuild. That figure can differ from the sale price or mortgage balance.
Belongings and other structures
Review personal property, detached structures and any special limits on valuable items.
Liability and living expenses
Ask about personal liability and additional living expenses after a covered loss makes the home uninhabitable.
Deductibles and exclusions
Understand your share of a loss and what is excluded. Standard homeowners insurance generally does not cover flood damage; separate protection may be needed.
Bring your roof and property questions
Have a roof replacement estimate or documentation of a recent roof installation? Bring it. Ask how roof age, condition and the proposed policy’s loss-settlement terms affect the coverage being offered. Do not assume two quotes handle a roof claim the same way.
Tell us about a finished basement, a home business, a pool, a detached workshop or rental use. Ask specifically about water backup and valuable belongings. These are review topics, not promises that a particular coverage or property will be eligible.
You can also request a home and auto review together. We’ll discuss the full household picture while keeping the coverage choices for each policy clear.
Straight answers
Home insurance questions
Is replacement cost the same as my home’s market value?
No. Market value reflects a sale, including land and location. Rebuilding cost concerns the structure. Discuss the estimate and policy terms rather than using the mortgage balance as your coverage target.
Does homeowners insurance cover every type of water damage?
No. The source of the water and policy terms matter. Ask about flood, water backup and other exclusions separately instead of treating all water damage as the same event.
Can you help with insurance for a new-construction home?
Call us with the address, construction status and closing date. We can discuss an owner-occupied home quote and the information needed. Do not assume a homeowners policy covers every stage of construction or that coverage starts automatically at closing.
What should I check when my home insurance renews?
Review the premium, dwelling limit, deductibles, endorsements and any notices of changes. Let us know about renovations or changes in occupancy. Bring questions about anything you do not recognize before deciding whether to renew or replace the policy.
Consumer resource: Georgia consumer guide to home insurance.