Gable Insurance Group

Homeowners Insurance

Need a Homeowners Insurance comparison?

If you’re like most homeowners, your home is your most valuable asset and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

At Gable Insurance Group, we can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing.

Please note, if you are looking for homeowners insurance for a rental property or an unoccupied home, you cannot use traditional homeowners insurance. Instead, you need a “specialty dwelling” policy which we can also help you with.

Whether you live in Alpharetta, Atlanta, Augusta, or any other part of Georgia, homeowners insurance is one of the most critical insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal. Different insurance companies offer different levels of coverage, various endorsements and riders, and have different conditions and limitations.

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Homeowners Insurance

If you’re not using an independent agent like us, it can be hard, if not impossible, to tell the difference between two homeowners insurance policies.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also offer you protection if someone is injured while on your property and wins a legal judgment against you.

Home insurance policies differ by which losses are covered, which coverage options you choose, and what type of residence you own.

You can choose which policy is best for you, whether it’s a comprehensive policy that protects you against losses such as fire, hail, smoke, falling objects, vandalism, theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverages

To choose the right home insurance coverage, you need to understand your options. We broke down some of the most common types of coverage options you’ll find in homeowners insurance policies.


This is the basis for all homeowners insurance policies. It’s the dwelling coverage that protects the actual structure of your home including the walls, floors, ceilings, built-in appliances, and any attached structures. The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand. We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

other structures

As the name implies this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually, other structures coverage is 10% of whatever your dwelling limit is, but it can be increased if you need more coverage.

personal property

This protects all of your personal belongings like clothing, furniture, electronics, and appliances. This coverage would help you replace or repair your personal belongings in the case of a theft or fire. Simply stated, personal property coverage protects anything that would fall out of your house if you turned it upside down and shook out the contents.

loss of use

Also known as additional living expenses (ALE), this covers the cost of your living expenses if you need to relocate somewhere else temporarily, like a hotel, because your primary home is uninhabitable due to a loss. Loss of use may also cover additional expenses like the cost of renting a storage unit.

medical payment

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. Medical payment coverage is intended for immediate medical treatment of guests on the premises. It does not cover health care costs for you or other members of your household.

Family/Personal Liability

Personal liability insurance could be the most vital aspect of your homeowners insurance policy. Personal liability coverage will protect you if someone is injured or their property is damaged, and you are held accountable. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like your income and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an umbrella policy may be necessary to provide extra coverage.

scheduled personal property

Scheduled personal property insurance is an optional add-on to your policy that provides coverage for a greater number of risks. Scheduled personal property insurance may also increase the coverage limits on specific, high-value items including:

  • Jewelry
  • Furs
  • Technology
  • Collectibles
  • Musical Instruments
  • And more

Need a Homeowners Insurance comparison?

Whether you’re a new home owner who doesn’t know where to begin or a home owner insurance veteran looking to switch up your current insurance, we would love to learn more about your needs!
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