Home, Condominium & Renters Insurance

Home Insurance — Jones Group Insurance Services in Marietta, GA

Home Insurance

Homeowner's insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowner's insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damages caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowner's responsibility.
Why would you need homeowner's' insurance?
  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
If you are still paying for your home, your lender will require insurance. It is important to know that a homeowner's' insurance policy is meant to cover unexpected damage, not routine maintenance. Ask our agents about what is covered, and be sure to read your policy so you know exactly what's included and what is not.
Things to consider:
  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask our agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • What discounts are available? (Ask about multiple policies, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Condominium Insurance — Jones Group Insurance Services in Marietta, GA

Condominium Insurance

Need an insurance quote for your condo or townhouse? You've come to the right place.
If you own a townhome or condo, you have different insurance needs than the typical homeowner. Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building. If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package. Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit or your liability if someone is injured on your property.
Condominium insurance provides protection where condo associations do not. Condo and townhome coverage protects your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations and wallpaper.
If you would like to feel more secure, you should look into purchasing a condo or townhome insurance plan from Jones Group Insurance Services. Contact us to get a condo or townhouse insurance quote right now!

Renters Insurance — Jones Group Insurance Services in Marietta, GA

Renters Insurance

People who rent their homes understand the importance of having coverage against things like vandalism, fire, theft, floods, earthquakes and other natural disasters, and even then they sometimes choose not to insure their property against the occurrence of an incident with liability insurance for the rental property. However, the moment a property owner decides to lease the property, different liability and safety considerations arise. There are now commercial considerations, and to address this, the major carriers offer special rental insurance policies for landlords that are sometimes referred to as rental homes insurance.

Georgia Renters Insurance Coverage

A Georgia renters insurance policy can help protect your personal property from fire damage, theft and vandalism while also providing liability protection for your visitors and guests. Given electronics, jewelry, clothing and more, research has shown the average renter owns $30,000 in personal property. (Actual values may vary throughout the US, and $30,000 is a rounded estimate of personal property value for a standard two-bedroom apartment.)
Your Georgia renters' insurance policy typically includes:
  • Personal Property Protection - Covering the loss or damage of a renter's personal belongings usually on and, in most cases, off of your premises
  • Liability Protection - Providing legal representation and protection against judgments for covered events
  • Guest Medical Protection - Generally covers medical costs for visitors injured at a renter's home
  • Reimbursed Living Expenses - Reimbursement for costs of temporary housing, should it be necessary
Jones Group Insurance Services offers a variety of ways to save with Georgia renters insurance, discounts for:
  • Monitored fire and burglar alarms
  • Local ultrasonic burglar alarms
  • Deadbolt locks on all exterior entryways
  • Fire extinguishers
  • Sprinkler systems
  • A Georgia renters' insurance policy combined with a Georgia auto insurance or other policies
Purchasing Georgia renters' insurance ensures that your property is protected. Don't make the mistake of thinking you are invincible; you do need insurance for your belongings, even if you live in a rental property. You are the only one who is responsible for protecting your assets.