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Elbert Insurance represents more homeowners compa-
nies than any other agency in northeast Georgia.
Auto Owners, Hartford, Encompass, Foremost,
Fireman´s Fund, Chubb, Hanover, Southern Trust, and Southern Mutual are just a few of our carriers. The
largest investment for most people is their home. A homeowner´s policy provides protection for unexpected damages to your dwelling, its contents, and other
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(like a garage or storage building). This policy also provides liability coverage to defend you when someone is hurt on your property. Don´t forget to consider special riders to your home policy if
you own higher than normal limits of jewelry, silver, guns, or collectables.
Renter´s coverage protects your personal belongings as well as provides liability protection. Many times this is more important than a homeowners policy, because your next door neighbor´s mistake could cause you to lose all of your personal belongings.Condominium insurance provides coverage for your unit where your association insurance stops.
Your association policy typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition you need coverage for your floors, walls, cabinets and fixtures that your association policy does not cover.Vacant dwellings have become quite common in this economy. People need to move to another job and they cannot sell their house, or someone dies and the house is left vacant in their estate. Most homeowner companies do not want to cover a dwelling that is not occupied daily. Elbert
Insurance has several companies who can write this protection for periods as short as 30 days up to a couple of years.
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