A homeowners’ insurance policy is meant to protect you against significant financial losses that you may incur when a disaster strikes. It protects you against losses involving your home and loss of personal property. Town & Country Insurance is a leading home insurance provider in Buford, GA and is here to help you understand when you can claim your home insurance.

In an ideal world, you should be able to file a claim every time an event that is covered under the policy occurs. However, some homeowners avoid filing claims since they fear being classified as high-risk clients by the insurance providers. So, when is it advisable to file a claim?

When there is Loss of Use

Loss of use means that your residence is no longer habitable. If you are unable to live comfortably in your home due to a loss caused by covered events such as fire and hurricanes, be sure to file a claim. Your insurance provider will come in and either repair or rebuild your home in Buford, GA to make it habitable again. However, there may be certain limits on how much you can be reimbursed depending on the type of your policy.

Whenever a Liability Claim Is Filed Against You

Your standard home insurance protects you and your family members against liability claims. If a third party is injured in your home, then you may be sued for bodily injuries. Your standard home insurance policy should protect you against such claims and cover legal expenses if such cases end up in a court.

Whenever You’re Supposed to Settle Medical Bills

You should also file a claim if another person injures himself/herself on your property and you are supposed to cater for their treatment. Sometimes, medical bills can be too massive to settle from your own pocket. However, you need to keep in mind that the medical coverage only covers those people who are not living in your home.

Talk to Town & Country Insurance today for a comprehensive homeowners’ insurance policy.

Braselton and Buford, GA residents who are looking for a new home insurance plan should abide by the following tips when it comes to finding the perfect coverage for their home and lifestyle.

Finding an Optimal Home Insurance Plan

1. Shop around to find the best plan.

You’ll want to get quotes from several home insurance companies in your area to find those with optimal prices as well as quality customer service. At Town & Country Insurance, we pride ourselves on both of these things.

2. Set a budget.

If you are on a budget for other areas of your life, you’ll want to set a budget for your home insurance as well. Plan ahead by deciding on a maximum monthly payment before you speak with an agent.

3. Speak with an agent.

Next, you’ll want to sit down with an agent to discuss your home insurance options one-on-one. Home insurance qualifications differ from state to state, and different lifestyles require different coverage options as well. Speaking one-on-one with an insurance agent will ensure that you find the perfect plan for you and your family.

4. Ask about discounts

There are numerous discounts available for homeowners, from smoke detectors and burglar alarms to free water safety systems and shutter installation. Depending on where you live and which insurance company you go with, these discounts may be available to you, and you only have to request information about them.

Contact Us Today

If you are a Dacula, Braselton, or Buford, GA resident, Town & Country Insurance can help you find the perfect home insurance plan. We have numerous options available, and a number of policies that will be sure to meet your needs. Stop by our nearest location today or give us a call to speak with an agent directly about your options. We look forward to hearing from you!

Home insurance is complicated enough that it often scares people away from asking the questions that will ensure they get the most from it. With all the forms, clauses, and jargon, it’s easy to see why so many don’t have enough coverage for their homes. So what makes for quality home insurance in Buford, GA? Here are some of the things to consider before you decide you have a realistic policy that will be of use to you. 

The True Value Within

Your home isn’t just where you live; it’s where you hold most of your assets. From the expensive garden you planted last year to the collectible toys that recently became popular on auction websites, there’s a lot to consider when it comes to evaluating your home. If a policy only offers the bare minimum of coverage, you may end up wondering how you ended up losing so much after a natural disaster or an unexpected act of vandalism. Town & Country Insurance knows these events are traumatic enough, so you don’t need to add any extra stress on top of them by not getting the financial help you need. 

Here for You 

Town & Country Insurance wants the people of Dacula, Braselton, and Buford, GA to stay protected, no matter what may come their way. We can help you decide the best ways to take care of your things, and we can also explain it in a way that is easy for you to understand. It’s our job to find out what’s important to you, whether that’s your guitars, dishes, or jewelry. Once we know what makes your home a home, we can get you set up with a policy that will cover you. Give us a call to find out more about our rates, policies, and more! Try our online rating tool for quotes on home and auto insurance.