While home insurance is an essential expense, that doesn't mean it has to be expensive. When you make the switch to the Hamilton Agency, we work with you to find coverage options that suit your needs and your budget without compromising on the quality of coverage. From protection of your home's physical structure and your personal belongings within it to liability coverage against lawsuits, whatever coverage you need, we can quote it.
Dwelling coverage helps protect your home's physical structure, including the walls, roof and foundation, against damages caused by natural disasters, fire and vandalism.
Personal property coverage helps secure your personal belongings within your home, such as furniture, electronics and appliances, against theft, fire and other covered perils.
Personal liability coverage helps protect you financially if you or your covered family members cause injuries or damages to others and can also help pay for any resulting lawsuits, depending on your policy.
Additional living expenses coverage helps pay for additional living expenses that you incur if your home becomes uninhabitable due to covered perils and you need to live elsewhere temporarily.
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The Hamilton Agency offers various discounts and savings options to help you save money on your home insurance policy. Standard homeowners insurance policy discounts include:
If you have multiple insurance policies with the Hamilton Agency, you may qualify for a discount on your home insurance premium.
If you have a security system installed in your home, you may qualify for a discount on your home insurance premium.
If you have a homeowners insurance policy and have not filed a claim in a specific period, you may qualify for a discount on your home insurance premium.
For over 30 years, the Hamilton Agency has been a homeowners insurance company serving Athens, GA and the surrounding areas. During this time, we have gained valuable expertise and experience in the insurance industry, which we use to provide exceptional customer service and comprehensive insurance policies to our clients. We're committed to making the process as smooth and stress-free as possible. With a team of highly qualified and knowledgeable insurance agents, we're always ready to help you understand the available coverage options and find the best homeowners rate and policy for you.
Most homeowners insurance policies can cover damages to protect your home and property caused by natural disasters, fires, theft and other unexpected events. Property damage can happen unexpectedly and can result in significant financial loss. This is why it's crucial to have proper home insurance that protects protect your home and personal property from unfortunate events.
Home insurance can also provide personal liability coverage, which can protect you if someone is injured on your property. If someone sues you for damages, your insurance can help cover legal fees and any settlement or judgment amounts up to your personal liability policy limits.
When comparing homeowners insurance products and companies, it's important to look at a variety of factors to ensure that you're getting the best coverage for your needs at a competitive and affordable price. Here are some of the best ways to compare homeowners insurance companies:
Homeowners insurance coverage options
Look for insurance companies that offer comprehensive homeowners coverage options that fit your needs. Some companies may offer additional coverage options, such as a separate flood insurance policy through the National Flood Insurance Program or earthquake coverage. These additional coverage options may be important depending on where you live. Most online quick homeowners insurance quote systems do not take your situation or how much coverage you need into account.
Premiums
Compare the premiums charged by different insurance companies for the same level of coverage. Keep in mind that the cheapest option may not always be the best, as lower premiums may come with higher deductibles or lower coverage limits. Your home insurance policy should be tailored to your specific needs.
Discounts and bundles
When reviewing homeowners insurance quotes, check for available discounts that can help you save on your premiums. Common discounts include bundling policies like home and auto insurance, installing a security system or having a good credit score.
Financial stability
Look for insurance companies that have a strong financial rating from independent rating agencies. This indicates that the company is financially stable and likely to be able to pay claims in the event of a disaster.
Customer service
Check the reviews and ratings of insurance companies online to get an idea of their customer service reputation. Look for companies that have a high level of customer satisfaction and positive reviews.
Claims process
Look into the claims process of the insurance company. Some companies have a straightforward and easy process, while others may have a more complicated or lengthy process.
At the Hamilton Agency, we can help you find the best value home insurance by comparing quotes against all major home insurance companies.
The average cost of homeowners insurance in Georgia can vary based on several factors, including the value of your home, your location and your coverage options. However, according to the National Association of Insurance Commissioners (NAIC) report, the average premium for the most common type of homeowners insurance in Georgia was $1,313 in 2018, which is slightly higher than the national average premium of $1,249.
It's important to note that this is just an average, and your actual insurance costs may be higher or lower depending on your individual circumstances, personal property coverage and insurance discounts.
Whether homeowners insurance covers mold typically depends on the cause of the mold. If the mold was caused by a covered peril, such as a pipe bursting, your homeowners insurance may cover it. If the mold was not caused by a sudden event covered in your policy, it's unlikely that it will be covered.
When shopping for homeowners insurance, it's generally recommended that you obtain quotes from at least three different home insurance companies to compare rates and coverage options. This gives you a good range of options to choose from and helps you make an informed decision about the best homeowners insurance policy for your needs.
Getting a single quote from an insurance company does not help you understand the average cost of homeowners insurance in your area or ensure that you're getting a competitive rate.
At the Hamilton Agency, we pull quotes from other homeowners insurance companies and tailor the homeowners insurance quote that best fits your needs.
Contact The Hamilton Agency today for all your insurance needs.
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