Homeowners Insurance in Athens, GA
Your home is one of your most valuable investments, and it’s essential to be prepared for potential risks like severe weather, theft and accidental damage you may face. That’s why having homeowners’ insurance is necessary to protect this asset. At La Oficina Insurance Agency in Athens, Georgia, we can provide personalized service, competitive rates and a range of coverage options to meet your needs. 
Types of Home Insurance
There are several types of homeowners insurance available. In general, homeowners’ insurance may help cover your home’s structure, other buildings on your property, personal belongings, additional living expenses, personal liability and medical payments to others. Your agent may offer the following policy types:
- HO-2—This can offer coverage for a range of perils. It may help cover your home’s structure and your personal property.
- HO-3—This is a common type of homeowners insurance designed to provide all-risk coverage, with certain exclusions. It may help cover your home’s structure, personal property and your personal liability.
- HO-5—This may be appropriate for high-value properties. It typically includes higher coverage limits for personal property, as well.
- HO-8 —This may be appropriate for historic homes that may be difficult to replace after a covered incident or accident. It typically offers coverage based on actual cash value rather than replacement cost.
- Flood Insurance—This policy is designed to help cover damage caused by flooding, which is not included in typical homeowners’ policies.
When Is Home Insurance Required?
Although home insurance is not legally required, most mortgage lenders require it to protect their financial interest in the property. Even if you don’t have a mortgage, it’s highly recommended to have home insurance to protect your home from unexpected events.
Learn More
If you need a homeowners insurance policy or want to assess whether your current coverage is sufficient, we’re here to help. Contact La Oficina Insurance Agency today to get started or request your free quote.