Home Insurance

ATI offers comprehensive home insurance policies to Georgia residents at some of the state's most affordable prices.

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Why Choose ATI Home Insurance

When you buy a home, having homeowner’s insurance helps cover any damages that may occur to your house. This includes making necessary reparations or replacements to the house or anything in the house. Homeowner’s insurance is not generally not mandatory if the house is paid in full, but most mortgage lenders will require some coverage.

Even if you are required to have homeowner’s insurance, it’s also something you want. That’s because policies will cover damages incurred from several different events, including natural disasters and even theft. It is essential to know what kind of coverage you need and is offered by the homeowner’s insurance policies before purchasing a plan, so you’re prepared to get the best policy possible.

ATI has been selling home insurance policies in Georgia for 50 years. Our customers can attest to our dependability and affordability. Choose ATI if you are looking for affordable home insurance policies and excellent customer service.

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What does homeowner's insurance cover?

The basic coverage for homeowner’s insurance protects:

  • The dwelling
  • Other structures on your property
  • Personal property (any belongings in the house)
  • Liability

Protection for these traditional policies covers damages incurred by storms, fires, broken structures (e.g., if a pipe burst and causes water damage) and theft or vandalism. The liability protection typically covers personal injury if the injury was due to a faulty structure in the house. For example, if a floorboard breaks as someone steps on it and they break their foot, your policy can cover and necessary medical costs.

It is important to note that basic coverage for homeowner’s insurance can vary a little from state to state, but overall, the general requirements by law are similar.

Along with covering the cost for any of these damages, most homeowner’s insurance policies will cover the cost of temporary living expenses if the need arises while the insured home is being repaired.

Although a basic policy covers damage to the house due to frequent storms, such as hail and lightning strikes, it will not cover more severe types of natural disasters.

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home insurance homeowner's insurance atlanta georgia comprehensive coverage
home insurance homeowner's insurance atlanta georgia comprehensive coverage

What does homeowner's insurance cover?

The basic coverage for homeowner’s insurance protects:

  • The dwelling
  • Other structures on your property
  • Personal property (any belongings in the house)
  • Liability

Protection for these traditional policies covers damages incurred by storms, fires, broken structures (e.g., if a pipe burst and causes water damage) and theft or vandalism. The liability protection typically covers personal injury if the injury was due to a faulty structure in the house. For example, if a floorboard breaks as someone steps on it and they break their foot, your policy can cover and necessary medical costs.

It is important to note that basic coverage for homeowner’s insurance can vary a little from state to state, but overall, the general requirements by law are similar.

Along with covering the cost for any of these damages, most homeowner’s insurance policies will cover the cost of temporary living expenses if the need arises while the insured home is being repaired.

Although a basic policy covers damage to the house due to frequent storms, such as hail and lightning strikes, it will not cover more severe types of natural disasters.

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Additional Coverages

Since traditional homeowner’s insurance plans don’t cover damages from specified natural disasters, you can purchase extra coverage for more protection. The most common types of additional coverage homeowners need:

  • Flood Insurance: this covers flooding from hurricanes, tsunamis, and other natural disasters.
  • Earthquake Insurance: this covers damage to your property caused by earthquakes.

These coverages are usually offered as separate policies. So, if you know you live in a high-risk area for these events, ask your ATI agent about your options.

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Coverage Limits

If you are still paying off your house, then a mortgage lender will typically inform you of the coverage limits you’re required to have. However, even if your home is paid in full, it is a good idea to make sure your policy’s maximum limit will cover the entire replacement cost of your house and personal belongings.

If you have a lot of expensive possessions, you might need to purchase additional coverage to increase the policy limits.

The cost of property and homes tend to inflate over time, so it’s best to include inflation protection in your policy limits, so your home’s entire value continues to be covered.

Because the cost of homes and personal property can vary so much, talking to an ATI agent about what kind of coverage works best for you can help you make the right choice.

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home insurance homeowners insurance renters insurance condo insurance atlanta georgia
home insurance homeowners insurance renters insurance condo insurance atlanta georgia

Coverage Limits

If you are still paying off your house, then a mortgage lender will typically inform you of the coverage limits you’re required to have. However, even if your home is paid in full, it is a good idea to make sure your policy’s maximum limit will cover the entire replacement cost of your house and personal belongings.

If you have a lot of expensive possessions, you might need to purchase additional coverage to increase the policy limits.

The cost of property and homes tend to inflate over time, so it’s best to include inflation protection in your policy limits, so your home’s entire value continues to be covered.

Because the cost of homes and personal property can vary so much, talking to an ATI agent about what kind of coverage works best for you can help you make the right choice.

Get Quote