{"id":3684,"date":"2026-10-22T21:00:00","date_gmt":"2026-10-22T21:00:00","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=3684"},"modified":"2026-10-22T21:27:03","modified_gmt":"2026-10-22T21:27:03","slug":"denied-home-insurance-georgia","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/denied-home-insurance-georgia\/","title":{"rendered":"What Should You Do If You&#8217;re Denied Home Insurance in Georgia?\u00a0"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"c-article\">\n        <div class=\"o-wrapper o-wrapper--small\">\n                                                            <picture class=\"c-article__pic\">\n                    <img decoding=\"async\" class=\"c-article__img\" loading=\"lazy\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Woman-reviewing-information-on-her-laptop-at-home-after-being-denied-homeowners-insurance-in-Georgia.jpg\" alt=\"Woman reviewing information on her laptop at home after being denied homeowners insurance in Georgia.\" width=\"320\" height=\"160\">\n                <\/picture>\n                                        <div class=\"c-article__content\">\n                <div class=\"s-cms-content\">\n                    <p><span data-contrast=\"auto\">If you&#8217;re denied <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/home-insurance\/\"><span data-contrast=\"none\">homeowners insurance in Georgia<\/span><\/a><span data-contrast=\"auto\">, start by asking the insurance company why your application was rejected. Depending on the reason, you may be able to make repairs, correct inaccurate information, provide additional documentation, or compare coverage from another insurance company.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A denial can be stressful, especially when you&#8217;re trying to secure coverage before closing on a home. However, one insurance company saying no doesn&#8217;t necessarily mean the property is uninsurable. Different companies have different underwriting guidelines, and addressing specific concerns may improve your options.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Key Takeaways<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">A homeowners insurance denial in Georgia doesn&#8217;t automatically mean you can&#8217;t find coverage elsewhere.<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Roof condition, home systems, previous claims, liability risks, and location can affect eligibility.<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Ask why your application was denied before making repairs or applying elsewhere.<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">A higher deductible may lower premiums but usually won&#8217;t resolve a property-related underwriting concern.<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">An independent insurance agency can help you compare available coverage options after a denial.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2><b><span data-contrast=\"none\">Why Can Homeowners Insurance Be Denied in Georgia?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Underwriting is the process an insurance company uses to evaluate the likelihood and potential cost of future claims. For homeowners insurance, that review may include the home&#8217;s condition, systems, prior losses, location, and other risk factors.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Property Condition and Roof Issues<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Insurance companies often review the roof and other visible parts of the property. An older roof doesn&#8217;t automatically make a home uninsurable, but age combined with leaks, missing shingles, deterioration, or unrepaired damage may limit your options.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Damaged siding, unsafe decks or steps, loose railings, unrepaired exterior damage, or hazardous tree limbs may also affect an insurance company&#8217;s decision. The company may request photos, an inspection, or repair documentation before approving coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If the issue is repairable, ask what evidence the insurance company would accept after the work is complete. Updated photos, contractor invoices, permits, or inspection reports can help document the improvement.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Electrical, Plumbing, and Other Home Systems<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Older or poorly maintained electrical, plumbing, and heating systems can increase the risk of fire, water damage, or other losses. An insurance company may review the type and condition of wiring, plumbing, electrical panels, and other major systems.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">That doesn&#8217;t mean every older home will be denied coverage. A well-maintained older property may have more options than a newer home with unresolved safety concerns.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Claims and Insurance History<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Insurance companies may consider the number, type, and severity of previous losses involving the applicant or property. One past claim doesn&#8217;t automatically make you ineligible, but repeated losses, similar claims, or unrepaired damage may affect eligibility or price.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A lapse in homeowners coverage can also make finding a new policy more difficult, especially when other underwriting concerns are present. Understanding the <\/span><a href=\"https:\/\/southernharvestinsurance.com\/blog\/homeowners-insurance\/common-home-insurance-claims\/\"><span data-contrast=\"none\">most common home insurance claims<\/span><\/a><span data-contrast=\"auto\"> can help you identify risks worth addressing before another loss occurs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Credit, Liability, and Location<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Georgia allows insurance companies to use credit-based insurance information for personal insurance, subject to state restrictions. An insurance company cannot deny, cancel, or refuse to renew a personal policy solely because of credit information without considering another applicable underwriting factor.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Insurance companies may also review liability risks, such as swimming pools without appropriate safety measures, certain animal-related exposures, or conditions that could increase the chance of an injury claim.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Location matters, too. Wind, hail, hurricanes, wildfire, access to fire protection, and an area&#8217;s history of losses can affect both price and coverage availability.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Can You Get Homeowners Insurance After Being Denied?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Yes. A denial from one insurance company doesn&#8217;t automatically mean another company will make the same decision.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">First, ask why the company declined your application. If the concern involves the property, find out whether repairs or documentation could change the outcome. If the home falls outside that company&#8217;s underwriting guidelines, comparing other insurance companies may be the better next step.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">For properties that are difficult to place in the standard market, the Georgia Underwriting Association may offer another option for eligible applicants who can&#8217;t obtain coverage through the voluntary market. Its coverage and eligibility rules differ from a standard homeowners policy, so review the terms carefully with a licensed agent.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A denial of a new application is also different from a nonrenewal of an existing policy. Under <\/span><a href=\"https:\/\/www.legis.ga.gov\/legislation\/69552\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Georgia Senate Bill 35<\/span><\/a><span data-contrast=\"auto\">, homeowners policies issued, delivered, or renewed in Georgia on or after January 1, 2026, are generally subject to a 60-day nonrenewal notice requirement. This rule applies to qualifying existing policies, not decisions to reject new applications.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you&#8217;re buying a home, address insurance questions early. Mortgage lenders usually require homeowners coverage before closing, and waiting until the last few days can leave little time to resolve inspection issues or compare alternatives. Understanding how to arrange <\/span><a href=\"https:\/\/southernharvestinsurance.com\/blog\/homeowners-insurance\/home-insurance-before-closing\/\"><span data-contrast=\"none\">home insurance before closing<\/span><\/a><span data-contrast=\"auto\"> can help you plan ahead.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">What to Do After a Home Insurance Denial<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Once you know why the insurance company declined your application, take the steps that fit that reason.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ol>\n<li><b><span data-contrast=\"auto\">Find Out What Caused the Denial.<\/span><\/b><span data-contrast=\"auto\"> Ask the insurance company or agent which underwriting issue led to the decision. Get the explanation in writing when possible.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"15\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Fix Reasonable Maintenance or Safety Problems.<\/span><\/b><span data-contrast=\"auto\"> Repair missing shingles, damaged steps, unsafe railings, tree hazards, or other conditions the company identifies when practical.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"15\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Document Completed Work.<\/span><\/b><span data-contrast=\"auto\"> Keep dated photos, invoices, permits, and inspection reports so you can show that the original concern was addressed.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"15\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Check Your Insurance History.<\/span><\/b><span data-contrast=\"auto\"> If an insurance company is relying on prior-loss information, make sure it&#8217;s accurate. Dispute incorrect consumer-report information through the reporting company&#8217;s process.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"15\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Compare More Than One Insurance Company.<\/span><\/b><span data-contrast=\"auto\"> Underwriting standards vary, so another company may evaluate the same home differently.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"15\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Avoid a Coverage Lapse.<\/span><\/b><span data-contrast=\"auto\"> If you already have a policy, don&#8217;t cancel it until your replacement coverage is approved and the new policy takes effect.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3687 size-full\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Tree-lined-residential-street-in-Georgia-with-historic-homes-illustrating-home-insurance-considerations-after-coverage-is-denied.jpg\" alt=\"Tree-lined residential street in Georgia with historic homes, illustrating home insurance considerations after coverage is denied.\" width=\"1000\" height=\"660\" srcset=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Tree-lined-residential-street-in-Georgia-with-historic-homes-illustrating-home-insurance-considerations-after-coverage-is-denied.jpg 1000w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Tree-lined-residential-street-in-Georgia-with-historic-homes-illustrating-home-insurance-considerations-after-coverage-is-denied-300x198.jpg 300w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Tree-lined-residential-street-in-Georgia-with-historic-homes-illustrating-home-insurance-considerations-after-coverage-is-denied-768x507.jpg 768w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Tree-lined-residential-street-in-Georgia-with-historic-homes-illustrating-home-insurance-considerations-after-coverage-is-denied-600x396.jpg 600w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Tree-lined-residential-street-in-Georgia-with-historic-homes-illustrating-home-insurance-considerations-after-coverage-is-denied-960x634.jpg 960w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Tree-lined-residential-street-in-Georgia-with-historic-homes-illustrating-home-insurance-considerations-after-coverage-is-denied-247x163.jpg 247w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/10\/Tree-lined-residential-street-in-Georgia-with-historic-homes-illustrating-home-insurance-considerations-after-coverage-is-denied-285x188.jpg 285w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2><span class=\"TextRun SCXW46555739 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW46555739 BCX0\" data-ccp-parastyle=\"heading 2\">Can Increasing Your Deductible Help?<\/span><\/span><span class=\"EOP Selected SCXW46555739 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">A higher deductible may lower your premium, but it usually won&#8217;t fix a property-related underwriting problem.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Your deductible is the amount you pay toward a covered loss before the insurance company pays its share, subject to the policy terms. If a company won&#8217;t cover a home because of an unacceptable roof, electrical hazard, or another condition, choosing a larger deductible may not change that decision.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The main tradeoffs are:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<table data-tablestyle=\"MsoNormalTable\" data-tablelook=\"1696\">\n<tbody>\n<tr>\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Deductible Approach<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Potential Advantage<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><b><span data-contrast=\"auto\">Main Tradeoff<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Lower Flat Deductible<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Less to pay after a covered loss<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Usually a higher premium<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Higher Flat Deductible<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">May reduce the premium<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">More out-of-pocket cost when you file a claim<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Percentage Wind or Hail Deductible<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">May be available on policies with significant wind exposure<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Out-of-pocket costs can be much higher after a wind or hail loss<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-contrast=\"auto\">Percentage deductibles deserve extra attention because insurance companies typically calculate them from the applicable insured value, not the size of the claim. This means your out-of-pocket cost after a wind or hail loss could be substantial, depending on your dwelling coverage and deductible percentage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Georgia&#8217;s insurance regulator advises consumers to compare deductibles and choose an amount they can afford after a loss. Your mortgage lender may also have deductible requirements. Understanding <\/span><a href=\"https:\/\/southernharvestinsurance.com\/blog\/homeowners-insurance\/understanding-georgia-home-insurance-deductibles\/\"><span data-contrast=\"none\">Georgia home insurance deductibles<\/span><\/a><span data-contrast=\"auto\"> can help you compare policies more carefully.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Home Improvements That May Improve Insurability<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">If an insurance company denied coverage because of the home&#8217;s condition, start with the specific issue it identified. Avoid making expensive improvements without knowing whether they&#8217;ll address the underwriting concern.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Depending on the issue, useful improvements may include repairing or replacing a damaged roof, correcting electrical problems, updating deteriorated plumbing, repairing unsafe stairs or railings, or removing hazardous tree limbs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Some insurance companies may also consider protective features, such as smoke detectors, alarm systems, or water leak detection devices, when reviewing the home or available discounts. Certain upgrades may also support <\/span><a href=\"https:\/\/southernharvestinsurance.com\/blog\/homeowners-insurance\/5-tips-for-saving-on-home-insurance-in-atlanta\/\"><span data-contrast=\"none\">ways to save on home insurance in Atlanta<\/span><\/a><span data-contrast=\"auto\">, depending on the property and insurance company.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Repairs don&#8217;t guarantee approval, but they may make the property acceptable to more insurance companies. Keep proof of the work so you can provide it with a new application or a request for reconsideration.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">How Georgia Weather and Location Can Affect Coverage<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Georgia homes can face thunderstorms, tornadoes, high winds, hail, hurricanes, and tropical systems. Insurance companies may account for those exposures when deciding where and how they offer coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Some policies also use separate hurricane, wind, or hail deductibles. Review how those deductibles work before buying a policy, so you understand what you may owe after a storm.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The <\/span><a href=\"https:\/\/oci.georgia.gov\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Georgia Office of the Commissioner of Insurance and Safety Fire<\/span><\/a><span data-contrast=\"auto\"> provides consumer information about insurance coverage and policy limitations. Homeowners should review their policies carefully because not every type of natural disaster is covered.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Most standard homeowners policies don&#8217;t cover flood damage, so you may need separate flood coverage. If your property has flood exposure, understanding <\/span><a href=\"https:\/\/southernharvestinsurance.com\/blog\/homeowners-insurance\/flood-insurance-georgia\/\"><span data-contrast=\"none\">flood insurance in Georgia<\/span><\/a><span data-contrast=\"auto\"> and <\/span><a href=\"https:\/\/southernharvestinsurance.com\/blog\/homeowners-insurance\/common-home-insurance-limitations-in-ga\/\"><span data-contrast=\"none\">common home insurance limitations<\/span><\/a><span data-contrast=\"auto\"> can help you identify potential gaps in protection.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">How an Independent Insurance Agency Can Help After a Denial<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Applying to insurance company after insurance company without understanding the original denial can waste time. An independent agent can take a more targeted approach.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">An agent may be able to review the reason for the denial, explain whether repairs or additional documentation could help, compare options from multiple insurance companies, and walk through deductible choices. The agent can also help explain how policy types differ, including <\/span><a href=\"https:\/\/southernharvestinsurance.com\/blog\/homeowners-insurance\/ho3-vs-ho6-home-insurance\/\"><span data-contrast=\"none\">HO-3 vs. HO-6 home insurance<\/span><\/a><span data-contrast=\"auto\">, when you&#8217;re comparing coverage for different property types.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you&#8217;re purchasing a home, the agent can help you review available policies while keeping your lender&#8217;s requirements in mind. Although <\/span><a href=\"https:\/\/southernharvestinsurance.com\/blog\/homeowners-insurance\/is-homeowners-insurance-required-georgia\/\"><span data-contrast=\"none\">homeowners insurance isn&#8217;t generally required by Georgia state law<\/span><\/a><span data-contrast=\"auto\">, mortgage lenders typically require it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section c-more-options\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <h2 class=\"c-more-options__title\">Find Home Insurance Options With Southern Harvest\u00a0<\/h2>\n\n        <div class=\"c-more-options__content\">\n            <div class=\"s-cms-content\">\n                <p><span data-contrast=\"auto\">A homeowners insurance denial doesn&#8217;t necessarily mean you&#8217;re out of options. Depending on the reason, you may be able to address a property issue, provide additional documentation, or compare coverage from other insurance companies.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Southern Harvest Insurance can help you review available <\/span><a href=\"https:\/\/southernharvestinsurance.com\/home-insurance\/\"><span data-contrast=\"none\">homeowners insurance options<\/span><\/a><span data-contrast=\"auto\"> in Georgia and understand how coverage and deductible choices may affect your costs. <\/span><a href=\"https:\/\/southernharvestinsurance.com\/\"><span data-contrast=\"none\">Get a free quote online<\/span><\/a><span data-contrast=\"auto\">, call <\/span><a href=\"tel:8778314677\"><span data-contrast=\"none\">877-831-4677<\/span><\/a><span data-contrast=\"auto\">, or <\/span><a href=\"https:\/\/www.southernharvestinsurance.com\/locations\/\"><span data-contrast=\"none\">find a Southern Harvest office near you<\/span><\/a><span data-contrast=\"auto\"> to speak with a local agent.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Frequently Asked Questions About Denied Homeowners Insurance in Georgia<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<h3><b><span data-contrast=\"none\">Why Was My Homeowners Insurance Application Denied Even Though the Home Passed Inspection?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A buyer&#8217;s home inspection and an insurance company&#8217;s underwriting review serve different purposes. A home can pass an inspection but still fall outside a company&#8217;s guidelines because of the roof, electrical or plumbing systems, prior losses, location, or another concern. Ask which factor caused the denial, so you know whether repairs or another insurance company may be the better option.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Does a Previous Claim Affect My Ability to Get Coverage in Georgia?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">It can. Insurance companies may consider the type, frequency, and severity of previous losses. One claim doesn&#8217;t automatically make you ineligible for homeowners insurance. If prior claims are affecting your application, confirm that the insurance company has accurate information.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Can I Switch Homeowners Insurance Companies After Closing?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Yes, you can usually switch homeowners insurance companies after closing as long as you continue to meet your mortgage lender&#8217;s requirements. Before canceling your current policy, make sure the replacement coverage has been approved and you know its effective date. Compare coverage, deductibles, and exclusions rather than focusing only on the premium.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Will an Old Roof Always Prevent Me From Getting Homeowners Insurance?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">No, an older roof doesn&#8217;t automatically prevent you from obtaining coverage. Insurance companies set their own roof underwriting guidelines and may consider age, material, condition, visible deterioration, previous damage, and replacement history. If the roof is causing problems, ask whether an inspection, repair, or replacement could expand your options.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">What Should I Do If Several Insurance Companies Deny My Application Right Before Closing?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Tell your lender and insurance agent right away, so they know coverage is still unresolved. Find out whether the insurance companies are identifying the same issue and whether it can be corrected quickly. An independent agency may be able to compare additional options but make sure any policy you choose meets your lender&#8217;s requirements and has coverage and deductibles you understand.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n            <\/div>\n                            <ul class=\"o-list-bare c-more-options__list\">\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--green\" href=\"https:\/\/www.southernharvestinsurance.com\/homeowners-insurance-quote-form\/\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Get a Quote<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--brown\" href=\"tel:8778314677\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-phone-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Call Us<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--dark-blue\" href=\"https:\/\/www.southernharvestinsurance.com\/locations\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-location-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Find Your Office<\/div>\n                        <\/a>\n                    <\/li>\n                                <\/ul>\n                    <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":20,"featured_media":3688,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3684"}],"collection":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=3684"}],"version-history":[{"count":8,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3684\/revisions"}],"predecessor-version":[{"id":3694,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3684\/revisions\/3694"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media\/3688"}],"wp:attachment":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=3684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=3684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=3684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}