Home Insurance in Savannah, GA

Homeowners in Savannah, Georgia, may encounter significant risks that could inflict expensive financial consequences. These various threats can make adequate home insurance essential. Home insurance can protect your property and personal belongings financially, ensuring you can recover and rebuild after unexpected events.

For reliable home insurance, RM Bush and Company is a top choice. With extensive experience and personalized service, we can help you find the right coverage to meet your needs and budget.

What Does Home Insurance Cover?

Home insurance typically covers several key areas: 

• Dwelling coverage—This can financially protect the structure of your home, including the walls, roof and built-in appliances, against risks like fire, burglary and vandalism.

• Personal property coverage—This may cover your personal belongings, such as furniture, electronics and clothing, if they are damaged or stolen.

• Liability protection—This can provide financial protection if you are found legally responsible for a third party’s bodily injuries or property damage. It can also cover legal fees.

• Additional living expenses—This can help pay for temporary housing and other living expenses if your home is uninhabitable due to a covered event

• Other structures coverage—This may cover structures on your property that are not attached to your home, like a detached garage or shed.

How Do Deductibles Work?

A home insurance deductible is the amount you pay out of pocket before your insurance coverage begins to contribute toward covered losses. Choosing a higher deductible can reduce your premium, but it also means you’ll pay more out of pocket if you need to make a claim.

How Much Home Insurance Do I Need?

Choosing the right amount of homeowners insurance typically requires evaluating the cost of rebuilding your home and the value of your personal belongings. It’s essential to have enough coverage to rebuild in case of a total loss. Additionally, consider your liability coverage needs to ensure you’re protected against accidents that may occur on your property. For example, if you regularly host gatherings or have a swimming pool, you may want to retain higher coverage limits.

Learn More

If you need a homeowners insurance policy or want to assess if your current coverage is sufficient, RM Bush and Company is here to assist. Call us today to get started or request your free quote.