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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

What You Need to Know When Getting Georgia Home Insurance

Getting Georgia home insurance is a must-have if you’re planning to get a house. It may be a bit overwhelming for first- time buyers, but your home insurance acts like a safety net if anything happens to your house. A home insurance, or also known as hazard insurance, may include several personal insurance protections, which can include any losses to your home and its contents. But before you sign on the contract, there are some things that you have to consider when getting a home insurance.

Know Your Home Insurance Coverage

Know what will cover your insurance if anything happens. You have to be aware of all the details within your policy before you make a decision. Your insurance coverage is usually broken into four separate covered property categories. These are dwelling, personal property, loss of use, and other structures.

  • Dwelling: Dwelling refers to the actual house’s structure.
  • Other Structures: These are structures that are not attached to the house, but are built separate or may be connected to the house through any form of connection, such as a tool shed or detached garage.
  • Personal Property: Personal property is your home’s content. This includes but is not limited to furnishings, appliances, and clothing.
  • Loss of Use: The cost of additional living expenses is covered if in case the house was loss due to a covered peril and left the house uninhabitable.

Do a Comparison with At least Three Other Companies

Try to compare your home insurance coverage against other insurance companies. Shop for other insurance companies that offer a much reasonable price for the same service. There are a number of insurance providers out there that might even offer you a better package if you’ll only look around. Look for an insurance company that has great customer service reviews. Chances are you’ll only be dealing with your insurance companies if there are any disasters.

Newspapers, yellow pages, and even the internet are just some of the places where you can get more information about other insurance companies. You can also ask some of your friends or family if the can refer one to you.

Escrow Your Insurance Payments with Your Monthly Mortgage

Escrowing your insurance payment with your monthly home loan can make it much easier for you to manage your accounts. The lender will pay your insurance premium coming out of your escrow account. This will ensure that your monthly insurance is paid on time.

Getting a home insurance can give you a guarantee that your house will be protected from any unforeseen event. However, be sure that you understand your home insurance policy before signing in any paperwork. It would always be best to ask questions to make sure that you won’t be regretting anything in the future.

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