Georgia Homeowners Are Looking for a Dependable Insurance Company

From the Blue Ridge mountains to the coastal plains, Georgia is a beautiful state with a rich heritage and diverse topography. After purchasing your dream home in Atlanta, Savannah or any of the beautiful cities in Georgia, you will need reliable homeowners insurance to make sure that dream is not taken from you by a fire, storm or other disaster. Your Heritage Property and Casualty agent will help you find a policy that meets your every need, from safeguarding your home and personal belongings to protecting guests with medical coverage in the event of an accident. Despite its temperate climate, Georgia has its fair share of weather extremes. It’s during these times that you’ll be thankful for having a policy with a trusted company like Heritage Insurance who will handle your claim efficiently and get you back in your home as soon as possible. Heritage offers coverage for the following:


Personal Liability Protection Coverage

Homeowners Insurance (HO3) Personal liability coverage Personal liability insurance attached to your homeowners insurance policy provides coverage for you and the events that happen inside of your home. What if a friend or family member is staying with you and gets injured? You may be held liable for damages and medical payments as a result. Personal liability insurance covers medical payments as well as legal defense and damages if you are sued – up to the limit of coverage. Accidents caused by yourself or a family member who lives with you might also require compensation, even if the incident occurred away from your primary dwelling. Your Heritage agent can help you understand how much personal liability protection is appropriate for you and your family.

Additional Living Expenses (ALE) Coverage

Homeowners Insurance (HO3) Additional Living Expense (ALE) If your home is damaged as a result of a covered peril, ALE coverage will meet your basic needs for the duration of the repairs which gives you one less thing to worry about while taking care of your family. ALE includes necessities like temporary housing and meal expenses while your home is repaired after a fire, or when it sustains damage due to a windstorm or other covered disaster. This type of policy can also include other miscellaneous costs such as moving or storage fees. If you have lost income due to a displaced tenant, ALE will cover toward that expense as well.

Personal Property Coverage

Homeowners Insurance (HO3) Insurance Coverage for Other Structures Personal property coverage allows for the Actual Cash Value payment for clothing, household furnishings, and other personal property, up to specified limits, in the event of a covered disaster such as a tornado or a hurricane. Personal property coverage can help make the rebuilding process a little bit easier in the event of a major incident. We also have additional coverage options available such as increased limits on jewelry and fine art as well as a replacement cost option on personal property. Be sure to thoroughly inventory all of your personal belongings when discussing this policy with your Heritage agent. It’s also recommended to document your higher cost valuables in the event of a claim.

Other Structures Coverage

Items including barns, sheds, or even patios can be covered when specified on your policy. Your Heritage homeowners insurance policy (H03) can provide coverage for other structures on your property that might not be part of your primary dwelling, but would still incur an expense to replace if they sustained damage. Additional coverage is also available for more complex structures like a guest house or pool house.


Always Contact your Heritage Georgia Insurance Agent

Contact your insurance agent to determine the levels of coverage that are right for you and to learn more about our Georgia homeowners insurance (HO3) policy. Your home is often your most valuable asset, and your agent can help you determine the estimated cost to replace your home and its contents should disaster strike. Your agent will provide you with the information you need to secure a policy that’s right for you and your family. If you should need to report a claim, we will be there for you 24 hours a day, 7 days a week to process your claim quickly and efficiently.

This information is provided to you as an overview of our products and services. Consult your Georgia insurance agent to understand all of the provisions, limitations, and exclusions that are part of a standard homeowner’s insurance policy.

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