Home Insurance
Protect Your Home and What Matters Most
Your home is one of your biggest investments. The right homeowners insurance policy can help protect your house, belongings, and finances when unexpected damage or accidents occur.
Moore Insurance Services helps homeowners compare coverage from multiple insurance companies. As an independent agency, we can review different options and help you find a policy that fits your property, needs, and budget.
What Does Homeowners Insurance Cover?
A typical home insurance policy may include:
Dwelling Coverage
Helps pay to repair or rebuild your home after damage caused by a covered event, such as fire, wind, hail, lightning, or vandalism.
Personal Property Coverage
Helps protect furniture, clothing, electronics, appliances, and other belongings if they are damaged or stolen.
Other Structures Coverage
May cover detached structures on your property, including garages, sheds, fences, and workshops.
Personal Liability Coverage
Helps protect you if someone is injured on your property or if you are responsible for damaging someone else’s property.
Additional Living Expenses
May help cover temporary housing, meals, and other increased living expenses if your home becomes unlivable because of a covered loss.
Coverage for Different Types of Homes
Not every property requires the same type of insurance. Moore Insurance can help with coverage for:
- Primary residences
- Condominiums
- Rental homes
- Seasonal homes and cabins
- Vacant properties
- Secondary residences
It is important to tell your agent exactly how the property is used, especially if it is rented to others or used as a short-term rental.
Additional Coverage Options
Depending on your home and belongings, you may also want to consider additional protection for:
- Jewelry and other valuable items
- Water or sewer backup
- Underground service lines
- Equipment breakdown
- Home-based businesses
- Higher liability limits
- Personal umbrella insurance
Standard homeowners insurance generally does not cover flooding. Flood insurance usually requires a separate policy.
Home Insurance for Mountain Properties
Homes in North Georgia and Western North Carolina may have unique insurance considerations, including steep driveways, wood-burning stoves, private wells, septic systems, detached buildings, heavily wooded property, and seasonal occupancy.
Our team takes the time to understand your property so we can help you find appropriate coverage.
Why Choose Moore Insurance?
Moore Insurance is an independent agency, which means we are not limited to one insurance company. We compare available policies and help you understand your options before you make a decision.
We also remain available when you need to update your policy, ask a coverage question, or file a claim.
