Your home is more than a roof over your head – it’s a place you retire to escape the chaos that out’s there. Your home is a shelter for your family and pets, and it’s one of the most significant financial commitments you will make in life. Given that your home is valuable to you, investing in an insurance policy that protects what matters most in your life makes sense. When you buy home insurance from Chastain Agency Inc. of Gainesville, GA, here are the critical areas protected by this coverage. 

Dwelling coverage

Most homeowners buy insurance to protect their structures from perils like fire, vandalism, lightning, hail, etc. Moreover, your home insurance can cover detached structures like the fence and swimming pool at an additional premium.

As a rule of thumb, buy dwelling coverage sufficient to replace your home from the ground up. However, take note that your typical home insurance doesn’t cover you against risks like floods, earthquakes, and sewer backup.

Personal assets

You may think that your personal belongings aren’t worth much, but you will be surprised when you conduct a home inventory. Walk from room to room and list everything you own. Your home insurance compensates you should loss or damage occur to your assets.

Liability coverage

Most homeowners don’t pay attention to liability coverage, but it’s one of the most important coverages to invest in. This coverage protects your assets and earnings when accused of liability claims. Home insurance covers you when third parties accuse you of bodily injury and property damage.

Loss of use

When a peril listed in your home insurance policy makes your home unlivable, home insurance can cover the costs you incur in a temporary shelter until your home is repaired.

Home insurance in Gainesville, GA

Shopping for home insurance in Georgia? You can trust Chastain Agency Inc. for all your home insurance needs.

Many families in Cornelia, Cleveland, and Gainesville, GA have home insurance to protect their families in the event of an unexpected accident. But what many families don’t realize is that simply having home insurance isn’t quite enough. In fact, even if all of the items in your home are insured, this doesn’t do much if you don’t have a home inventory.

What Is a Home Inventory?

A home inventory is your record of everything that you own that you would hope to be covered by your home insurance in the event of a covered accident. For example, your napkin holder and pencil cup may not need to be on the list, but you’ll definitely want to include large items like your appliances, furniture, and expensive and valuable jewelry and personal items.

How Do You Make a Home Inventory?

Making a home inventory is simple. First, you’ll want to make sure that your plan covers valuable and personal items. This is naturally important.

From there, you can either create a huge written or typed list of all the items you want to be covered, or create a list by room. Always put the value of things next to each item.

Another option is to take pictures of each room or create a video by walking through your house and video-recording everything you own with a camera. Always make sure to open closets and drawers as well. If you’re not sure of the prices of items, make sure to get your things appraised.

Protecting Your Family With Home Insurance

If you don’t yet have home insurance or are looking to change plans, contact Chastain Agency Inc. at your earliest convenience to learn about your options as a Gainesville, GA resident. Chastain Agency Inc. can help you and your family pick the home insurance plan that will best protect you in the event of an accident.

Accidents and unexpected events that cause damage to your home and property aren’t things that we like to think about, but it’s important for the well-being and financial safety of your family. Call us today, or stop into our nearest location to speak with an agent and find out more about our available plans.