Understanding Homeowner's Insurance in Georgia

At The Tabb Insurance Agency in Conyers, we know your home is more than just a building. It is the place where memories are made, families are raised, and lives are built. Protecting that investment is one of the most important steps you can take as a homeowner. Homeowner's insurance provides the financial security you need when unexpected events occur. From weather-related damage to liability claims, the right policy ensures that you are not left to face these challenges alone. Our team has years of experience helping Georgia homeowners find coverage that fits their unique needs.

What Homeowner's Insurance Covers

Dwelling Coverage

Dwelling coverage pays for repairs or rebuilding if your home is damaged by a covered event such as fire, wind, or hail. This portion of your policy ensures that the physical structure of your home remains protected and that you are not left with overwhelming repair costs following a disaster.

Personal Property Coverage

Personal property coverage protects your belongings, including furniture, clothing, and electronics. If your possessions are stolen, damaged in a fire, or destroyed by another covered peril, this coverage helps replace them. Some policies even provide off-premises protection, meaning your belongings can be covered when you are away from home.

Liability Coverage

Liability coverage helps with legal costs if someone is injured on your property or if you are responsible for damages to another person’s property. A simple accident, such as a slip on your driveway, can quickly lead to costly medical bills and legal claims. This protection provides peace of mind and financial security.

Additional Living Expenses

If your home becomes uninhabitable after a covered loss, additional living expenses coverage pays for temporary housing and related costs. This support can cover hotel stays, meals, and other living needs until your home is repaired or rebuilt.

At Tabb Insurance Agency, we take time to explain these coverages in detail, so you understand how your policy protects you and where adjustments may be needed.

Risks Faced by Georgia Homeowners

Severe Weather Events

Living in Georgia means facing specific risks such as hurricanes, tropical storms, and tornadoes. Even when storms do not directly strike, heavy rains and strong winds can cause extensive roof and siding damage.

Fire Hazards

Fires caused by lightning, faulty wiring, or accidents remain a significant concern for Georgia homeowners. Fire-related damage often requires the complete rebuilding of portions of a home and can also lead to smoke and water damage throughout the property.

Theft and Vandalism

Both urban and rural homeowners in Georgia face risks of theft and vandalism. These events are not only financially damaging but also emotionally unsettling, which is why coverage is so important.

Our role is to help Georgia homeowners evaluate these regional vulnerabilities and select policies that provide strong protection against the most likely threats.

Understanding Policy Types and Options

HO-3 Policies

The HO-3, or “special form,” is the most common homeowner's policy. It covers the dwelling against all risks except those specifically excluded, while personal property is covered only for named perils.

HO-5 Policies

The HO-5, or “comprehensive form,” provides broader protection, covering both dwelling and personal property against all risks unless excluded. This option is ideal for homeowners seeking stronger protection for high-value items or those who want fewer gaps in coverage.

Choosing between these options depends on the value of your home, the nature of your belongings, and your comfort level with risk. At Tabb Insurance Agency, we help you choose the policy that matches your property’s value and exposures.

Common Exclusions and Optional Coverages

Standard Exclusions

Most standard homeowner’s insurance policies in Georgia exclude coverage for events like floods, earthquakes, sinkholes, sewer backups, and mold unless you add specific endorsements or separate policies. These exclusions can catch homeowners by surprise if they are not discussed up front.

Optional Endorsements

Flood and earthquake insurance can be added as separate policies or endorsements. In Georgia, flood insurance is particularly important for those in flood-prone areas, but even those outside designated zones may want this safeguard since unexpected flooding can occur anywhere. Optional coverages such as sewer backup or equipment breakdown endorsements can also provide additional peace of mind.

Our team can review your risks and recommend optional coverages that help ensure you are not left vulnerable.

How Claims Work in Georgia

Reporting a Claim

The first step after a loss is reporting the damage to your insurance company as soon as possible. Quick reporting helps ensure a faster resolution and allows adjusters to schedule inspections promptly.

Inspection and Adjustment

An adjuster will inspect the damage and prepare an estimate for repair or replacement costs. Having photos, receipts, and a home inventory can help speed up this stage of the process.

Reimbursement

Once approved, you will receive reimbursement or direct payment for repairs, subject to your policy’s limits and deductibles.



At Tabb Insurance Agency, we stand beside our clients during the entire process, offering guidance and advocacy to ensure claims are handled fairly.

Why Work With The Tabb Insurance Agency?

At Tabb Insurance Agency, we do more than sell policies. We take time to understand your property, lifestyle, and financial goals. Our local presence in Conyers gives us insight into the challenges Georgia homeowners face. We evaluate risks, explain coverage options clearly, and provide ongoing support when claims arise. Whether you are purchasing your first home or have lived in your house for decades, our goal is to ensure you have the right protection at every stage of homeownership.

Protect Your Home With the Right Policy

Your home deserves protection that goes beyond the basics. With the right homeowner's insurance policy, you can enjoy peace of mind knowing that your property and family are safeguarded. At Tabb Insurance Agency, we are committed to helping Georgia homeowners secure reliable coverage tailored to their needs.

Contact The Tabb Insurance Agency in Conyers at 770-483-1800 or visit our website to request a free consultation today.