Mortgage lenders generally require homeowners to carry an insurance policy to protect the bank’s interest in the event of a loss. Although the State of Georgia doesn’t force you to buy a homeowners policy, it definitely provides a sense of security. But many policies don’t automatically cover natural disasters. At theThe Insurance Mart, our professionals are here to help people in the Blue Ridge, GA community with a policy that meets your unique circumstances. We’re available to answer questions and will work with you to create or update a policy to reflect those coverage needs.

Flood Insurance

Although it’s been a while since the area suffered a flood, but Mother Nature can produce downpours that swell local waters and exceeds their banks.

Many homeowners are unaware that standard policies may not include losses due to flooding. In extreme cases, a home could be washed away. In less dramatic cases, rising waters can damage your home and require expensive remediation. If dangerous molds take root, you could be looking at major cleanup work.

Wind Disasters

The good people of Georgia have become too familiar with the devastating force of tornados. These whirlwinds have ripped through communities and left many with badly damaged or destroyed homes. While most homeowners policies cover damage by wind-related storms, you may find yourself underinsured if a total loss occurs. Consider the cost of replacing your property. Today’s construction costs hover at about $150 per square foot. Even though you may be covered for losses due to extreme weather, you may need to revisit that policy to ensure it meets current building costs.

At the The Insurance Mart, we’re pleased to serve the people of Blue Ridge, GA. Our insurance professionals are available to help you with a homeowners policy that provides you and your loved ones with secure coverage.