Homeowners Insurance in Athens, GA
Protecting your finances is one of the most important steps you can take as a homeowner. At La Oficina Insurance Agency, our team is dedicated to helping residents in Athens & Columbus, GA get the insurance coverage they need at competitive prices.
What Does Homeowners Insurance Cover? 
Homeowners insurance inclusions can vary depending on the insurer. However, typical policies include the following:
- Liability coverage can help pay for the expenses related to third-party bodily injuries that occur on your property or damage you cause to someone else’s property.
- Dwelling coverage can help with the repair or reconstruction of your home and attached structures following a covered event.
- Other Structures coverage can cover damage to detached structures like garages, fences and sheds.
- Loss of use coverage can help you pay for additional living expenses such as hotel accommodations and meals if you must move out of your home due to a covered peril.
- Personal property coverage can cover the replacement of your appliances, furniture and electronics, subject to policy limits.
Why Does This Matter?
The right policy can help you recover from unexpected events and avoid significant financial setbacks. While it’s not legally required in Georgia, your lender can ask for proof of a policy if your home is under a mortgage.
Are There Ways to Save on Premiums?
While we emphasize the importance of homeowners insurance, we know that insuring your home can be expensive. These steps can help reduce your premiums while still maintaining the coverage you need.
- Purchase your auto and homeowners policy from the same insurer.
- Install security devices, smoke detectors, sprinklers and smart home devices.
- Maintain a healthy credit score.
- Retrofit your home to be more disaster resilient.
- Compare quotes from different insurers.
Where Can I Purchase a Policy?
Contact La Oficina Insurance Agency today to discuss your options and request a quote.