States we are in
Georgia
From the bustling city of Atlanta to Columbus, August, Macon, Savannah and all their suburbs, homeowners across the Peach State need reliable and affordable Georgia homeowners insurance. It can help protect your home from many unforeseen instances, such as hurricanes on the Atlantic coast, tornadoes that spawn across the state and accidental fires.
Since our inception in 2011, we've been offering tailored products at competitive prices with best-in-class customer service. Awarded an A Exceptional rating from Demotech, we have the protection you need and the service you deserve.
What's Covered by Your Georgia Homeowners Insurance?
Georgia home insurance covers much more than the actual structure you live in. Your policy can extend protection from your house to your property and all your personal possessions if they're damaged by a number of covered perils. Let's take a look at the six different coverage types in a Georgia homeowners insurance policy.
Dwelling (Coverage A): This coverage helps protect the physical structure of your home, such as the roof, flooring and windows. Your policy's dwelling coverage should at least match the value of your home. So those policyholders with a $300,000 house should have at least $300,000 worth of dwelling coverage.
Other Structures (Coverage B): This coverage helps protect structures on your property that aren't directly attached to your home. Things like detached garages, carports, sheds and fences can fall into this category of coverage.
Personal Belongings (Coverage C): This coverage safeguards many things inside the walls or your home and stored on your property, such as electronics, furniture, clothes and tools, if they're damaged or stolen.
Loss of Use (Coverage D): Also known as additional living expense coverage, loss of use works to reimburse you for extra expenses you incur when a covered peril forces you to temporarily move from your home. These can be things like a rental home of equivalent value and storage fees.
Personal Liability (Coverage E): Liability coverage can be an exponential asset for you. It can kick in if somebody is injured on your property or you accidentally cause damage to someone else's property. It can help cover medical expenses, repair damage and cover legal fees if the affected party sues you.
Medical Payments (Coverage F): This coverage is similar to its liability counterpart, but it only helps to pay minor medical expenses if another person gets injured on your property.
Which Factors Can Influence Rates in Georgia?
Many factors play a part in determining the premium price of a Georgia homeowners insurance policy. Things like location, property characteristics, coverage amounts and deductibles, all have a significant influence. Additionally, American Platinum uses your insurance score and your prior claims history to help create an appropriate premium.
An insurance score is created by utilizing pieces from your credit information that measures items related to insurance losses, making it is distinctively different than a credit score. Insurance scores are not based on factors like religion, ethnicity, gender, age, income, handicap, nationality or address. An insurance score alone will not disqualify you for a homeowners policy with American Platinum.
How to Get a Quote for Georgia Homeowners Insurance
To get a quote for Georgia homeowners insurance, simply utilize our online quoting engine. Just fill in a few details about your home, we'll run the data and figure out what type of policy and how much coverage you need. You can get a policy in minutes so you can get back to life quicker.