Ultimately finding Georgia home owners insurance is a matter of finding the best coverage at the right price. Your land doesnt require insurance protection and having it as part of the basis for your insurance needs will raise your total cost. By shopping around you can get a multitude of quotes, one of which should fall right into your monthly payment comfort zone. Always make sure you obtain enough insurance to cover the cost incurred to rebuild your current home at todays market prices in the event a natural disaster should take place. Policy Limits - You want your policy to cover any major purchases or additions to your home. Most people are woefully under insured when it comes to homeowners insurance, so the first thing you need to do is make a list of what you need to insure to make sure you cover everything. Make sure your policy gives you the full replacement cost of your home. The following suggestions may help you to lower some of these costs. By shopping around you can get a multitude of quotes, one of which should fall right into your monthly payment comfort zone. Best (ambest.com) is one such source that provides information about the financial health of your homeowners insurance company. Save all receipts from the supplies that are used, and the insurance company will reimburse you for all costs. Discounts Ask your insurance company if the offer discounts for security devices, fire alarm systems, sprinkler systems and other burglar devices. The first step any home owner can take to avoid being labeled as high risk is to make sure his or her home is a safe as it can possibly be. Your land doesnt require insurance protection and having it as part of the basis for your insurance needs will raise your total cost. Remember youre dealing with your primary residence so you want to be careful. Gardening tools and power tools belong in the garage, a shed, or in the home. Then all you need to do is compare coverage and choose which policy best meets your needs and is the most affordable. As much as you value your personal possessions many insurance policies will only provide coverage between 50% and 70% based on your current homeowners insurance coverage. It is usually inexpensive to increase to $500,000 and that is what I suggest. Hopefully this information can help you focus in on some areas within your homeowners policy that you can review with your insurance agent in the hopes of actually lowering your house insurance rates instead of raising them. The next step in filing a homeowners insurance claim form is producing a list of missing or harmed personal items. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt. Hopefully this information detailing what homeowners insurance coverage was helpful and gave you a better idea of what your standard house insurance policy is comprised of. Try to be as detailed as possible, after all this is your property and you deserve to be reimbursed if anything bas happens. Examples of making repairs includes replacing weak steps, tightening hand rails, making sure all carpeting is properly stapled down, replacing loose roof shingles, etc. Most policies offer limited coverage for luxury items such as jewelry, furs, and works of art, so you'll need to get a special endorsement known as a floater to cover these items. Remember if the deal is to good to be true it probably is. Check for nearby fire hydrants and measure if necessary how far you are away from them. Five hundred deductible on collision usually results in worthwhile savings. The easiest and quickest way to get the best homeowners rates is to go to an insurance comparison website where you can get rate quotes from a number of insurance companies.