Homeowner’s insurance is a policy that protects several aspects of your home. It covers sudden and accidental events that may occur to the dwelling, contents and accidents that happen at the home or at the hands of the homeowner on the policy.
Just like with auto insurance, the premiums are based on several factors including the location of the home, the age of the structure, past claims from the homeowner, updates, credit reports and insurance ratings. The premium is also directly related to the estimated replacement cost of the home.
A homeowners deductibles can also have an effect on the premium amount. If you carry a higher deductible, your policy is not going to be high, because you, the homeowner are taking on more of the liability personally. There are also different types of deductibles, all peril deductibles usually include situations such as a fire, lightening, vandalism, pipes bursting, etc. Here on the Georgia coast we also have a “Tropical Cyclone Deductible”, basically hurricanes, and that deductible is based on a percentage amount of the dwelling amount.
Your home is more than just a place to live — it’s one of your most valuable assets, and protecting it should never be an afterthought. Homeowners insurance from Rountree Brady offers comprehensive coverage that safeguards your dwelling, personal belongings, and even structures like garages or sheds from unexpected events like fire, theft, wind damage, and more. Beyond physical protection, your policy can also help cover additional living expenses if you’re temporarily displaced due to a covered loss, offering peace of mind when you need it most.
Choosing the right homeowners insurance isn’t one-size-fits-all. That’s why our team takes the time to understand your specific needs, from the age and construction of your home to your lifestyle and risk tolerance. We’ll walk you through the different coverage options — such as dwelling protection, liability coverage, and personal property limits — so you’re informed and confident in your decision. With Rountree Brady Insurance, you get not only dependable protection but also responsive service and support whenever you have questions or need to file a claim.
