Home Insurance in Georgia

Insurance isn't a popular item in many Georgia residents' minds. Most with home insurance policies don't understand how it works until they face a significant issue and have to file a claim. If you've ever had to rebuild a home or replace your belongings after an accident or burglary, you probably know home insurance is not a luxury but a necessity. Luckily, Toney Insurance Services is ready to take you through the basics of home insurance and assist you in the buying process. You can contact us online or visit us at Snellville, GA, and we'll be happy to help.

What is Home Insurance?

Home insurance stands between you and your savings by protecting you from sudden financial losses in the event of a disaster in your home, like a fire. Virtually all mortgage companies require borrowers to have home insurance that covers the full value of the house. They won't process your loan or finance your residential real estate without proof.

What Does Home Insurance Cover?

Here's what home insurance covers:

The structure of your home
Other structures not attached to your home but are on your property, such as a detached garage or shed
Your personal belongings, such as clothes, furniture, appliances, and electronics
Personal liability for damage or injuries caused to other people or their properties
Medical payments for other people who get injured in your home
Temporary living expenses or loss of use

What Isn't Covered By Your Home Insurance Policy?

Like most policies, home insurance also comes with limits. There are specific scenarios where home insurance may not protect you. For instance, natural disasters like floods and hurricanes are not covered. The policy also doesn't cover intentional damage, malicious acts, or damage that involves a crime.

Let Us Help You Today!

Are you buying a new home, selling your old one, or just wanting to better understand your current policy? Let Toney Insurance Services walk you through the process of acquiring a policy based on your lifestyle needs, budget, and preferences. Stop by our Snellville, GA offices, and we will be happy to help you.

Our Services

Servicing States

Georgia

Testimonials

"I looked around for financial planners for about a year. I run a small business and I wanted to find a financial planner that would look at my personal books and business books and just recommend a strategy we could implement piece by piece. Jamey was the only person I met with that gave me an action plan upon our second meeting and was ready to get started. Jamey now manages my insurance policies, retirement and some business stuff too and I couldn't be happier!"

- Christopher L.

"I have had Jamey as an advisor for almost two years now and I am so glad I met him. He is the first advisor I have had who looked over all my accounts thouroghly and delivered a comprehensive plan based on a my philosophies. I have seen much better performance on my investments and I am in a much more solid place financially with Jamey's help. On several occasions he has checked in and helped me make a few fantastic moves I would not have thought to make otherwise. He has also advised on several matters that took at least three or four hours of his time where he had no commission incentive. I can't reccomend Jamey enough; he is an advisor who knows his stuff and will look out for you"

- Atl A.

Toney Insurance Services

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