Coverage guides, market updates, and local risk insights, in plain language. No jargon, no sales pitch.
When a roof or appliance is destroyed, actual cash value pays the depreciated value, often half the cost to replace. Replacement cost pays the full amount. The premium difference is small.
Read article →Heavy rain plus aging Atlanta sewer infrastructure means basement and main-floor backups are common. Standard homeowners excludes them. The fix is a $40 to $80 per year endorsement.
Read article →Every Georgia homeowners policy excludes flood damage. Most homeowners do not discover this until after a storm. Here is how NFIP and private flood compare and which one is right for your property.
Read article →A personal umbrella policy adds $1 million of liability coverage above your home and auto for about $200 per year in Georgia. Most families who need it do not have it. Here is what it covers and how to decide.
Read article →Georgia's 25/50/25 minimum limits have not been adjusted for inflation since 1991. A single emergency room trip can exceed them. Here is what limits actually protect you.
Read article →Metro Atlanta sits in a regional tornado corridor. Most policies cover tornado damage, but wind and hail deductibles vary widely. Some are flat dollar, some are percentage-based.
Read article →Georgia small business owners are often either overinsured on the wrong things or underinsured where it matters. Here is a plain-language guide to the core coverage types and what they actually protect.
Read article →Rebuild costs in Forsyth and Gwinnett counties have climbed 30 to 40 percent since 2020. Most homeowners policies were written before that shift and have never been updated. Here is what that gap looks like in real numbers.
Read article →Most Georgia homeowners policies have a separate wind and hail deductible expressed as a percentage of dwelling coverage. Here is what that means at claim time.
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
