The Top Homeowners Insurance Agents In Atlanta

You have done your research, filled out an online application , you are prequalified, found the perfect real estate agent, found your dream home, and now ATL Mortgage is in the middle of processing your loan. Because of our lightning fast speed, you may have put off acquiring homeowners insurance for your new property.

In order to close your loan and get you moved in, you’ll need to make sure that your house is insured. Lenders require that you obtain adequate insurance before funding a loan. An Insurance representative will inspect the property before issuing policies, and also help determine the level of coverage needed for your new house. Not only does homeowners insurance protect the lender, but it also serves to protect you and your family! The Homeowners insurance policy is made up of coverages that can help pay to repair or replace your home and belongings if they are damaged by certain hazards. So if your house floods or if a tree falls on your new home you are covered. But how much insurance do you need? What needs to be covered? Who can you go to with all these questions?

We Are Here To Help

Have no fear! ATL Mortgage is here to help: we won’t leave you stranded trying to figure out which insurance is right for you. Before we share with you our top three insurance agents in Atlanta we wanted to answer some common questions regarding homeowners insurance.

Homeowners Insurance FAQ

How Much Homeowners Insurance Do I Need?

Make sure your homeowners insurance policy covers the following areas:

  • Structure of home: Insure your home for its replacement value. This is the evaluated cost to rebuild your home from the ground up. Since you will not have to pay to acquire the property your house is built on the insured value will be less than your purchase price.
  • Personal Possessions: Most policies cover your personal belongings at 70% of your home’s value. You may want to increase this if you have expensive belongings. It is wise to take an inventory of your possessions (especially antique, rare, or valuable items) and identify how much it would cost to replace them.
  • Liability: A basic policy usually includes $100,000 to $300,000 of liability coverage. When you look at the cost of personal injury lawsuits, you may want a higher limit.

How much should I expect to pay for homeowners insurance?

The value of your home and the amount of coverage you want directly dictates the price of your premium. There are other variables that also are factored in as well, such as, location of your home, how many claims have been filed that year, and crime rates. Because there are so many variables that go into the cost of insurance, your annual premium can range anywhere from $500-$1500. Additional coverage will increase the price of your premium. It’s always important to shop around and compare prices. That is why we have provided 3 agents that we trust!

How do I pay for my homeowners insurance?

You have a couple of options when it comes to paying your homeowners insurance. You can always pay the insurance company directly or you can ask us about escrow which allows you to pay your insurance policy payment alongside your mortgage payment. The premium payment is placed into an escrow account where it is held by the mortgage company until the annual premium is met. At that point, the mortgage company pays the homeowners insurance annual premium to the insurance company. Escrowing allows you to only make payments to one company. We always recommend this option.

Now you’re ready to insure your new house. Here are our favorite local homeowner’s insurance agents in Atlanta that you can reach out to in order to quickly get the coverage you need!

Our top 3 Insurance agents in Atlanta

Pamela Martin

Allstate Insurance Company

404.344.0196

pam.martin@allstate.com

Holly, Lindy, and Stephanie

Nationwide

770.379.9100

treadj2@nationwide.com

Andy Wesche

State Farm Insurance

Office: 770-457-0227

Work Cell: 404-803-7111