Home Insurance

Will Your Deductible be too High? 

With the increased values of homes and the rising costs of materials and labor, homeowners insurance coverages are increasing to keep up with those costs.  If you currently have a percentage deductible on your homeowners policy, that means your cost out of pocket in the event of a claim has increased as well.  For example if you had a 1% deductible and your home was insured for $200k, you had a $2,000 deductible.  If that home is now insured at $350k, you have a $3,500 deductible.  Having a fixed deductible can provide you more security and comfort in the uncertain time. 

We can review your current deductible and provide options and make sure you have what suits your family and budget the best.

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Fixed Deductibles

This is the more common type of deductible and is usually a fixed-dollar amount that you pay out of pocket when you file an insurance claim. 

A standard homeowners insurance policy deductible is usually in the range of $500 to $2,000, although lower and higher deductible home insurance plans are also common.

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Percentage Deductibles

Percentage deductibles are calculated based on the percentage — usually between 1% to 10% of your home’s insured value. 

If your house is insured for $500,000, for instance, and your policy has a 1% hurricane deductible, $5,000 would be deducted from the claim payment. 

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Client Centered

Are you looking for reliable, efficient, and affordable homeowners insurance in the Woodstock, GA area? At Piedmont Insurance Brokers, we provide home insurance policies protecting against residential loss or damages including furnishings and other assets in the home. When disaster strikes, this insurance aids in recovery costs.

Our Woodstock home insurance provides coverage against:

  • Destructive weather elements like windstorms, hail, flood, lightning, and other storm elements.
  • Damages and loss from theft, vandalism, fire, smoke, sinkholes, and water.

Personal liability, injuries to people on your property. The policy may cover dog bites and trampoline or swimming pool-related accidents. Additionally, we provide umbrella liability for additional liability limits.

Contact us today to see how we may help you secure this valuable coverage.

Your Home Is Important, Make Sure It’s Protected

Your Home Is Important, Make Sure It’s Protected

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

These questions are crucial to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

  1. Your representative took the time to make sure you have the right protection
  2. Your insurance carrier has your back
What is Home Insurance for?

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Storm damage, fire, windstorm, lightning, and hail
  • Dog bite liability 
  • Manufactured home coverage
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

Little-known facts about Homeowners Insurance

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup, unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard homeowners policy typically does not include Flood Insurance
  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
Who needs to insure their homes

Who needs to insure their homes

  • Frame houses
  • CBS homes (Concrete Block Structure)
  • Manufactured homes
  • Mobile homes on acreage
  • Condos
  • Townhouses
  • Secondary homes
  • Homes you rent to others
  • Seasonal resident homes
Why We're Different

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we'll help you protect what matters most.

Frequently Asked Questions

Frequently Asked Questions

What is the average cost of home insurance in Georgia?

The average cost of home insurance in Georgia is $1,200 per year. However, this amount varies based on the type of coverage that is purchased, the age and location of the home, and the size of the home.

What is covered by homeowners insurance in Georgia?

Homeowners insurance policies in Georgia typically cover damage to the home and its contents from fires, storms, and other natural disasters. They also provide coverage for accidents that occur on the property, as well as personal liability in case someone is injured on the property.

What are the most common home insurance claims?

The most common home insurance claims are for damage caused by fires, storms, and water. These types of incidents often result in costly repairs, which is why it's important to have a policy that provides adequate coverage.

Do you pay homeowners insurance monthly or yearly?

You can typically pay homeowners insurance premiums either monthly or yearly. Some insurers may offer a discount for paying premiums yearly, but it's important to note that you will likely have to pay a penalty if you decide to cancel your policy after only paying for a few months. So, be sure to weigh the pros and cons of each payment option before deciding which one is right for you.



Purchasing homeowners insurance is one of the most important things that you can do to protect your home and your family. And when you buy homeowners insurance from Piedmont Insurance Brokers, you can be sure that you're getting affordable coverage from a reputable independent agency. We have years of experience helping our clients find the right policy for their needs, and we're here to help you too. Contact us today to get started!

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