Home Insurance, Renters Insurance and Homeowners Insurance Serving Watkinsville, Commerce, Greensboro, Athens, Bogart, Monroe, Nicholson, Jefferson, GA, and Surrounding Areas

Whether you own your own home or are just renting, your residence and private belongings face a variety of threats. Having a good homeowner’s insurance policy can keep you protected from life’s unexpected circumstances.

What is Homeowners Insurance?

Homeowners insurance is a package-style policy insurance that shields you from damage to your property and your liability. Among additional variables, your homeowners policy will depend on your liability to others, the structure of your home, your personal belongings, and location.

Griggs Ficklen offers Home insurance plans & multi-policy discounts for:

 

Policies for Home Renters

Renting a home comes with more risks that you may realize.

Having good renters insurance keeps you protected from circumstances that generally are not covered by your landlord’s insurance.

What are your options?

As a home renter, you have the option to choose the renters insurance coverage that you desire.

You can either choose a policy to pay the actual cost of replacing your possessions, or a policy that reimburses the cash value of your possessions lost.

Such coverage may include, but is not limited to:

  • Fire damage
  • Theft
  • Destruction of property
  • Water Damage
  • Personal Liability
  • Liability to your pet

Stay Protected in the Case of a Natural Disaster

Homeowners insurance covers a variety of disasters with the exception of flood and earthquake insurance.

It’s important to be prepared in the case of a natural disaster. In the unfortunate circumstance that your home becomes damaged by a flood or earthquake, our agents will help you deal with the situation efficiently and quickly, so you can move on with your life.

  • Floods:

    Flood insurance policies will compensate you for the losses and damages in the case that your home experiences a flood. The federal government supports NFIP flood insurance, so you are guaranteed protection.

  • Earthquakes:

    Earthquake insurance is a high-deductible insurance that protects your home and property against destruction caused by an earthquake. Earthquake insurance policies depend on the structure and location of your home.

Why an Umbrella Policy?

Umbrella insurance provides homeowners with an added level of liability coverage beyond what’s included in their homeowners insurance policy.

Once your liability amount has been exceeded, an umbrella policy will act as an additional cushion to provide you with added coverage. This coverage can help protect you in ways that your other policies cannot; keeping you guarded at all angles.