Home Insurance in Georgia

Whether you own a bungalow in Wynnton, a place in Green Island Hills, or new construction out toward Midland and Harris County, your home is the biggest thing most families ever protect. Mallard Insurance Group is an independent agency right here in Columbus, so we shop several homeowners carriers and explain the differences without the jargon.

What a Georgia Homeowners Policy Actually Covers

Most policies are built from five moving parts:

• Dwelling coverage rebuilds the house itself after fire, wind, or storm damage
• Other structures handles fences, sheds, and detached garages
• Personal property replaces furniture, clothing, tools, and electronics
• Liability and medical payments respond if a guest is injured on your property
• Loss of use pays for somewhere to stay while repairs are finished

Does Homeowners Insurance Cover Flooding?

No, and that surprises a lot of Georgia homeowners. Rising water is excluded from standard policies, and heavy rain along the Chattahoochee can reach homes that sit well outside a mapped flood zone. If that describes your street, ask us about a separate flood insurance policy.

Insured for What Rebuilding Costs Today

Building materials and labor in the Chattahoochee Valley cost more than they did a few years ago. A policy written at yesterday’s numbers can leave you short after a claim, so we review your replacement cost at renewal and adjust it before it becomes a problem. Bundling with your Georgia auto insurance usually lowers both premiums at the same time.