{"id":1403,"date":"2023-10-23T20:37:00","date_gmt":"2023-10-23T20:37:00","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=1403"},"modified":"2025-08-13T01:41:53","modified_gmt":"2025-08-13T01:41:53","slug":"lesser-known-benefits-of-home-insurance-in-georgia","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/lesser-known-benefits-of-home-insurance-in-georgia\/","title":{"rendered":"5 Lesser-Known Homeowners Insurance Benefits for Georgia Residents\u00a0"},"content":{"rendered":"
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In Georgia, if your residence has a mortgage, your lender probably requires <\/span>homeowners insurance<\/span><\/a>. Even if you own your home outright, most people cannot afford to pay thousands of dollars or more for damage caused by fire, broken water pipes, burglars, cataclysmic <\/span>weather events<\/span><\/a>, or countless other mishaps.<\/span>\u00a0<\/span><\/p>\n

But it\u2019s not only the obvious home protection benefits that should make you thankful for coverage. Here are five scenarios that illustrate unexpected coverage advantages you\u2019ve probably never even considered.<\/span>\u00a0<\/span><\/p>\n

Your Stuff is Stored (and Lost) Elsewhere<\/span><\/b>\u00a0<\/span><\/p>\n

As large as your Peach State home might be, your possessions seem to have the natural ability to outgrow the premises. It happens to all of us. You solve the problem by storing some of your slightly underappreciated personal items in a self-storage facility several miles away. And then one day fire, lightning, theft, <\/span>water damage<\/span><\/a>, or vandalism destroys or damages your belongings.<\/span>\u00a0<\/span><\/p>\n

Don\u2019t panic. Your homeowners’ insurance policy will likely provide benefits up to your coverage limits. That\u2019s right. Even your off-premise belongings are covered. That\u2019s also true if the car in your driveway is broken into and your laptop you left out there is stolen.<\/span>\u00a0<\/span><\/p>\n

A Guest Breaks Her Leg on Your Staircase<\/span><\/b>\u00a0<\/span><\/h3>\n

So, Thanksgiving dinner got a little messy this year. Somebody\u2019s friend had one too many glasses of wine and your kids left their toys on the stairs (as usual). As a result, the friend of a friend had a premature exit during festivities in an ambulance. Destination: the local hospital.<\/span>\u00a0<\/span><\/p>\n

She\u2019s fine. She\u2019ll wear a cast for a few weeks and miss some work, but that\u2019s the worst of it.<\/span>\u00a0<\/span><\/p>\n

Fortunately, your homeowners’ insurance policy is likely to include medical and liability benefits for visitors. <\/span>Liability?<\/span><\/i> Well, it was your kids\u2019 toys on the staircase that caused the trip and fall, and, much as we hate to bring it up, she likely thinks you should pay her medical bills and lost wages. At least, that\u2019s what her attorney is telling her.<\/span>\u00a0<\/span><\/p>\n

The point is that people can bring lawsuits for accidents that happen in or around your property. Even a stranger walking and tripping on an icy sidewalk in front of your house might have a lawyer on speed dial.\u00a0<\/span>\u00a0<\/span><\/p>\n

You can rest easier knowing your homeowners’ insurance policy includes medical <\/span>and<\/span><\/i> liability benefits for whatever can happen to loved ones or folks you don\u2019t even know.<\/span>\u00a0<\/span><\/p>\n

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Your Ice Cream is Melting and the Leftover Roast Beef is Bad<\/span><\/b>\u00a0<\/span><\/h3>\n

Blame it on the electrical storm or your power company but call your homeowners’ insurance agent for a settlement (if the damage exceeds your deductible).<\/span>\u00a0<\/span><\/p>\n

We\u2019re talking about the effects of a blackout on your fridge and freezer. It might not be a big deal if all you lost was a couple of remaining slices of last weekend\u2019s pizza. But if you have a well-stocked meat freezer and you lose everything in it, well, you might burn out your calculator crunching all of those numbers.<\/span>\u00a0<\/span><\/p>\n

Contact your insurance agent. As in most circumstances, you should photograph the damage, but take confidence in getting at least some payback for the storm of the century in your brand-new refrigerator that\u2019s no longer working.<\/span>\u00a0<\/span><\/p>\n

There\u2019s Another <\/span><\/b>You<\/span><\/i><\/b> in Cyberspace<\/span><\/b>\u00a0<\/span><\/h3>\n

In a recent year, more than 50,000 Georgians filed identity theft complaints with the FTC. The cost is high emotionally, as well as financially, when hackers who are half a globe away steal your personal information and go on a shopping spree. Then they use your identity to get credit cards, get expensive plastic surgery, take out loans, or otherwise rob you of dollars and your good credit rating.<\/span>\u00a0<\/span><\/p>\n

Victims of identity theft can spend countless hours trying to convince bill collectors, loan officers, and even government authorities that they weren\u2019t responsible for actions taken in their name. It can get pretty costly too, especially if you have to hire lawyers to help with the battle.<\/span>\u00a0<\/span><\/p>\n

While identity theft protection might not be a standard benefit of your homeowners’ policy, you can include it as an<\/span> inexpensive add-on<\/span><\/a> benefit.<\/span>\u00a0<\/span><\/p>\n

Trust us, it\u2019s worth looking into since the additional coverage is so affordable, and the minimal cost can save you from a much larger financial obligation in the not-so-unlikely event that your identity is lost to Internet criminals.<\/span>\u00a0<\/span><\/p>\n

It Came from Outer Space<\/span><\/b>\u00a0<\/span><\/h3>\n

Okay, this one\u2019s a bit out of left field. A lot farther than that, actually.<\/span>\u00a0<\/span><\/p>\n

No, not space aliens (necessarily). We\u2019re talking about meteorites and other space junk. You wouldn\u2019t buy an insurance policy solely to cover the rather remote threat of home damage from cosmic sources, but such a cataclysmic event can happen and (very occasionally) does.<\/span>\u00a0<\/span><\/p>\n

Don\u2019t worry. The threat should not keep you up nights worrying. Okay, so that\u2019s probably not happening, but still…<\/span>\u00a0<\/span><\/p>\n

If something from beyond our solar system does make a very unexpected visit to your premises, you\u2019re covered. Sure, you might have to repeatedly describe the event to your insurance adjuster, and you\u2019ll want to take plenty of photos and video, but the time and effort will be worth it. Besides, you can sell those pictures to the tabloids – with photographic evidence and the insurance settlement check to back up your story.<\/span>\u00a0<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Home Insurance in Georgia That Covers More than You Think\u00a0<\/h2>\n\n
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When bad things happen in your life, consider whether you have any home insurance perks that can save the day. That won\u2019t work every time, but probably more often than you expect.<\/span>\u00a0<\/span><\/p>\n

Simply pick up the phone and call <\/span>877-831-4677<\/span><\/a> to ask your independent homeowners insurance agent at Southern Harvest Insurance for help. If you don\u2019t have coverage or you\u2019d like to find a better deal, get a<\/span> quick quote online<\/span><\/a>. You can also<\/span> find a helpful Southern Harvest agent<\/span><\/a> near wherever it is that you call home in the Peach State.<\/span>\u00a0<\/span><\/p>\n <\/div>\n