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What Home Insurance Covers Blairsville GA

Do you notice that many natural disasters are excluded from home insurance policies? You can get a special rider or endorsement to cover you for flood, earthquake, landslide, mudslide, or sinkhole. However, be prepared for this type of home insurance coverage to cost you a lot more - especially if you want flood coverage and you are in a flood-prone area for instance.

Cotton States Insurance
(706) 745-8410
357 Murphy Highway
Blairsville, GA
 
Allstate Insurance Companies
(706) 781-3277
1034 Young Harris Highway Suite B
Blairsville, GA
 
Allstate Insurance Jerry Hairston
(770) 461-1157
805 S Glynn St #125
Fayetteville, GA
 
J Smith Lanier And Co
(770) 458-9292
2920 Brandywine Rd
Atlanta, GA
 
Allstate Insurancedeane Long
(770) 448-2235
3091 Holcomb Bridge Rd Ste A-2
Norcross, GA
 
Callaway Mike Insurance
(706) 745-7000
233 Highway 515
Blairsville, GA
 
Advantage Insurance Agency Inc
(912) 920-0278
212 East Montgomery Xrd
Savannah, GA
 
Glover Insurance Agency
(770) 253-5580
1 Spring Street
Newnan, GA
 
Joe D. Mullendore Agency
(478) 742-3400
2367 Ingleside Ave
Macon, GA
 
Agency Service Group Inc
(706) 866-9750
214 Andrews St
Rossville, GA
 

What Home Insurance Covers

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What Home Insurance Covers

Home insurance is notoriously complex. The complexity is around the types of "perils" covered by your policy.

"Perils" are the ways and means by which damage occurs. The easiest way to explain this is to look at the standard list of perils which most insurers consider:

  • fire or lightening home insurance
  • theft home insurance
  • volcanic eruption home insurance
  • falling object home insurance
  • weight of ice, snow or sleet home insurance
  • accidental discharge of or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire-protective sprinkler system, or from a household appliance
  • explosion home insurance
  • riot or civil commotion home insurance
  • damage caused by aircraft home insurance
  • damage caused by vehicles home insurance
  • sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
  • windstorm or hail home insurance
  • smoke home insurance
  • vandalism or malicious mischief home insurance
  • freezing of a plumbing, heating, air conditioning or automatic fire-protective sprinkler system, or of a household appliance
  • sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, translator or similar electronic component).

You can get an "all perils" policy, which will cover you for the complete list of perils. Most home insurance policies will have some limitations.

Do you notice that many natural disasters are excluded from home insurance policies? You can get a special rider or endorsement to cover you for flood, earthquake, landslide, mudslide, or sinkhole. However, be prepared for this type of home insurance coverage to cost you a lot more - especially if you want flood coverage and you are in a flood-prone area for instance.

ALWAYS check your home insurance policy to be sure you know exactly what perils you are cove...

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