Kingery & Company Insurance Agency
315 Commercial Drive, Ste A3
Savannah, GA 31406

Fax: 912-692-1151

Homeowners Insurance

Homeowners Insurance Information

Home Insurance in Savannah GA, Richmond Hill GA and Surrounding Areas

Many possessions are valuable, and perhaps the most treasured is a person’s home. Having the right insurance coverage to protect your house and the contents within is not only vital for peace of mind, but for many mortgage lenders, it’s also a necessity. In Georgia, homeowners insurance is not required by law. But if you finance your home, your mortgage lender may require homeowners insurance coverage.  

What Does Homeowners Coverage Provide? 

Standard homeowners insurance can protect your home and your belongings in the event of a loss or damage, such as a fire. Homeowners insurance is considered a package policy. This package includes home protection and liability coverage for any injuries and property damage caused by you or your family members—and sometimes even your pets.  

Additionally, many home insurance policies may provide additional living expenses (ALE) coverage if your home is uninhabitable and you must live elsewhere because of damage from an insured loss. 

At Kingery & Company Insurance Agency, we can help you get the policy that is best suited for your needs. Give one of our agents a call today at 800-434-8033 to learn more.  

What Isn’t Covered by Homeowners Insurance? 

Homeowners insurance covers many types of damage or loss. However, most policies don’t include coverage for damage caused by natural disasters, such as flooding or earthquakes. Depending on the area in which you live, you may consider purchasing additional flood insurance and earthquake insurance policies. 

Similarly, many standard home insurance policies won’t cover maintenance issues such as termite and insect damage, rodents or mold. When building your coverage, be sure to talk to one of our expert agents to find out precisely what is and is not covered under your policy.  

How Much Coverage Do You Need? 

A standard homeowners insurance policy offers protection resulting from damage to your home’s structure, including fixtures, plumbing and heating. You should purchase enough insurance to cover the cost of rebuilding or repairing your home, minus the land cost.  

You should also consider homeowners protection if your home will be vacant due to a move or new construction. Empty homes are vulnerable to losses from vandalism and other mishaps.  

What Does Coverage Cost? 

A homeowners insurance policy is a crucial investment. The cost of your specific policy will depend on a variety of factors, including: 


  • Where you live 

  • Your home’s price and the cost to rebuild it 

  • The amount of coverage you want 

  • Your homes age and condition 

  • Your home’s security and safety features 

  • Your credit history 

  • Additional coverage you add 

  • Your deductible 

It’s a good idea to review your homeowners coverage at least every two years. At this time, you can ensure any modifications you’ve made to your home are covered under your homeowners policy. 

How We Can Help 

Kingery & Company Insurance Agency can customize a homeowners insurance policy for your specific coverage needs. Call us today at 800-434-8033 to get your quote.