HOMEOWNERS INSURANCE
THE BEST HOME INSURNACE IN GEORGIA AND ALABAMA
Protect Your Business with Strickland Insurance Agency Insurance
Have you ever worried about what would happen if your home in Georgia or Alabama were damaged or destroyed? Do you wonder if your home and belongings are fully protected?
With home insurance from our team, you can have peace of mind knowing your house and possessions are covered. Home insurance protects you from a variety of unexpected events, so even though the future is uncertain, you can feel secure knowing you’re protected.
Your standard home insurance policy has two main areas of coverage:
WHERE DO YOU CALL HOME?
No matter where you are in west Georgia or east Alabama, we’ll help you get the best homeowners insurance quotes available. Whether you’re in
LaGrange, Hogansville, West Point, Mountville, Pine Mountain, Franklin, Fortson, Cataula, Hamilton, Valley, Lanett, Lafayette, Auburn, Opelika, Salem, Phenix City, or Columbus, we’ve got you covered.
We make it easy to get the home insurance you need to protect your property. Working with the professionals at Strickland Insurance gives your family peace of mind with a plan tailored to your needs.
ProPERTY VS LIABILTY FOR HOMEOWNERS INSURANCE
PROPERTY
This section of home insurance covers the structure of your home and the belongings inside it. In general, property coverage includes:
- The home itself: Protects your dwelling if it’s damaged by a covered event, such as fire, hail, or severe weather. Make sure your policy provides enough coverage to fully rebuild your home if necessary.
- Other structures: Your garage, fence, garden shed, and similar structures are also covered. Many policies include additional coverage for these, though the exact amount depends on your plan.
- Personal belongings: Home insurance helps protect your possessions, like furniture, electronics, and clothing. Creating a home inventory—listing items room by room—can help determine how much coverage you need.
- Additional living expenses: If a covered event makes your home uninhabitable, this coverage helps pay for temporary housing and other extra costs while your home is being repaired, up to your policy limit.
LIABILITY
This part of your home insurance policy protects you if you’re faced with a lawsuit for causing bodily injury or property damage to someone else. It helps cover legal fees and any court-ordered damages you may be responsible for.
Pro Tips for Home Insurance Coverage:
- Ensure you have enough coverage to rebuild your home, including added construction costs.
- Review your policy at least once a year and consider any lifestyle or life changes from the past year.
- Check for exclusions. Standard policies usually don’t cover earthquakes or floods, so you may need additional coverage for these risks.
- Reevaluate your insurance if you complete major home improvements or renovations.
- Insure your personal belongings for their replacement value rather than actual cash value to fully cover the cost of replacing them.
- Keep a home inventory listing your possessions to help determine coverage needs and simplify claims.
Protect What Matters Most
Find the Perfect Home Insurance Policy with Strickland Insurance Agency Insurance
Your home is likely your most valuable asset, and protecting it is essential. At Strickland Insurance Agency, we offer a range of home insurance policies to meet your needs, whether you're a first-time homeowner or have been living in your house for years. Our policies cover everything from property damage to theft, and we work with you to customize your coverage to meet your unique needs. Our experienced agents is dedicated to providing exceptional customer service and helping you find the best possible policy for your home.
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