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Get DirectionsMany homeowners simply take out insurance to meet the requirements of their lender. Banks want to know their investment is secure. But what about your security? As time passes and your needs change, it may be in your best interest to revisit your homeowner’s policy and decide if it still meets your needs. At The Insurance Mart, our professionals are committed to helping members of the Blue Ridge, GA, community create a policy that works for you. We’ll help you to avoid common areas where people may be underinsured.
Flood and Natural Disaster Coverage
The State of Georgia has felt nature’s power more than a few times. As folks living around the Blue Ridge Dam are well aware, flooding is a fact of life. While the overflow of the Toccoa River may not have reached your doorstep in recent years, the potential exists. Flood insurance is not part of a standard homeowners policy. Given the imminent threat of the dam and waterways such as Blue Ridge Lake, you would be wise to have this additional coverage.
Theft Coverage
The amount of theft coverage you selected when you first purchased homeowners insurance may still have the same cap. Over time, we accumulate stuff. Some of that stuff can be very expensive to replace. Jewelry, electronics, and cash on hand are prime targets for burglars. We recommend that you take an inventory and make sure that your policy protects you in the event these pricey items are stolen.
Outbuildings
We all tend to personalize our homes over time. New sheds are built to house our lawn and garden tools, as well as children’s bikes and toys. The hot Georgia sun presses us to either add a garage or car port. But these things may not be covered if you renew your policy each year without adding them. After all, your coverage was not originally based on these structures.
Updating an existing homeowners policy makes good sense. It’s important that your coverage provides the security you need. At The Insurance Mart, we are available to help members of the Blue Ridge, GA community with professional and comprehensive homeowners service. At the end of the day, it’s important that you have a policy that meets your individual needs and gives you peace of mind.
