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Veronica Adadevoh - State Farm Insurance Agent
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Veronica Adadevoh - State Farm Insurance Agent
Contact Us
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Home Owners Insurance in Mableton, GA

Why use a local insurance agent for homeowners insurance?
  1. Homes are physically rooted to one spot. And the location they are in has unique characteristics. From city ordinances to county and state regulations, conditions vary.
  2. And then there are geographical factors that Mother Nature contributes to, sometimes in very large meaningful ways – think earthquakes, forest fires and hurricanes.
  3. A local insurance agent doesn’t have to be in in your backyard. They can be within a hundred or so miles and completely understand the nuances surrounding your home. A local insurance agent has knowledge that a non-local agent just does not have. Information like – what is the financial health of the largest home insurance carrier in your county; or are home insurance rates expected to rise in your area because of recent events.
  4. So, call us, your local insurance agent – we understand the Mableton, GA area very well and can give you quality (and money saving) insurance advice.

Why does homeowners insurance go up gradually or sometimes suddenly?

This can depend on many factors, but in essence a few key factors are at play –
  1. The size of the pool of people buying insurance in that region/state (areas surrounding Mableton, GA).
  2. Recent catastrophes – forest fire damage, widespread earthquake damage, or widespread flooding.
  3. An indicative trend in certain conditions – such as data showing that there are more earthquakes in the region as a result of heavy fracking in the area.
  4. Competition among insurers.
  5. Insurance losses.

What are the common exclusions on a homeowner’s insurance policy?

In general, negligence is not covered by any type of insurance policy – but here are some common exclusions for the home owner to be aware of -
  1. Earthquake Insurance (including ground movements, sinkholes, etc)- in earthquake states you are explicitly asked to sign an earthquake insurance waiver. Alternatively you can get earthquake insurance (normally from a different insurer)
  2. Flood damage – the typical home insurance policy does not cover flood damage – you will need a separate flood insurance policy for that.
  3. Mold damage is normally covered only if you had a recent plumbing leak and you take action quickly.
  4. Infestations – insect and vermin infestation (pests) are not covered.
  5. Dangerous Dogs – you are asked about your pets when applying for a home insurance policy specifically because many carriers do not cover a situation where your dog bites a neighbor. In fact, you may not get coverage if you have a dangerous dog; or you may pay a higher premium. Dog bite insurance claims are well over a quarter of all home insurance claims, so insurers are increasingly careful about insuring dangerous pet owners.
  6. To learn more from our experts in the Mableton, GA and surrounding areas, get in touch with us.

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Veronica Adadevoh - State Farm Insurance Agent has other insurance programs like Auto Insurance in Mableton, GA.