What Should I Be Thinking About My Home Insurance During August?

August is almost here in Georgia, and it can throw some surprises our way. Lisa, a homeowner in Loganville, was enjoying a peaceful August evening when a sudden storm hit. The heavy rain and strong winds caused significant damage to her roof, and she realized that she hadn't reviewed her home insurance policy in years. She was unsure if her coverage was sufficient to handle the repairs. After contacting Arrow Insurance Agency, Lisa learned the importance of regularly updating her home insurance, especially before storm season.

​August is a month of transitions. Kids are getting ready to go back to school, summer vacations are winding down, and it's a good time to review your home insurance policy. With changing weather and the possibility of storms, now is the perfect moment to ensure your home is adequately protected. Arrow Insurance Agency, serving Loganville, Alpharetta, Marietta, and the wider Atlanta area, is here to help you navigate these considerations.

Seasonal Risks to Consider in August

August can bring various weather challenges, especially in Georgia. From unexpected storms to the lingering heat, your home insurance needs to cover these risks to keep you and your property safe.
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Summer Storms and Hurricanes

August is part of the hurricane season, which means the risk of severe weather is higher. Heavy rains, strong winds, and even tornadoes can cause substantial damage to your home. Ensuring your policy covers storm damage is crucial.

​Heat and Fire Risks

The intense heat in August can also increase the risk of fires. Check that your policy covers fire damage and consider any additional coverage you might need for wildfire protection.
Outdoor Maintenance and Liability

Summer often means more outdoor activities and maintenance work. Whether it's cleaning gutters, trimming trees, or hosting backyard barbecues, make sure your policy includes liability coverage in case someone gets injured on your property.

​Key Home Insurance Coverages to Review

When reviewing your home insurance policy, there are several key coverages you should ensure are included and up-to-date.
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Dwelling Coverage

Dwelling coverage is the part of your home insurance that pays for repairs or rebuilding if your home is damaged by a covered peril. Make sure your dwelling coverage is sufficient to cover the full cost of rebuilding your home in today’s market.

Personal Property Coverage

This coverage protects your personal belongings, such as furniture, electronics, and clothing. Review the limits and ensure they are enough to replace your items in case of damage or theft.

Liability Coverage

Liability coverage protects you if someone gets injured on your property and decides to sue. Make sure your policy provides enough coverage to protect your assets in the event of a lawsuit.

Additional Living Expenses (ALE) Coverage

If your home becomes uninhabitable due to a covered loss, ALE coverage helps pay for temporary living expenses, such as hotel stays and meals. Verify that your policy includes ALE coverage and that the limits are sufficient.

Tips for Updating Your Home Insurance

Updating your home insurance doesn't have to be complicated. Here are some tips to help you through the process:

​Schedule a Policy Review

Set up a meeting with your insurance agent to go over your current policy. This is a good time to ask questions and make sure you understand your coverage.

Document Any Changes

If you've made any improvements to your home, like adding a new roof or renovating the kitchen, make sure these are documented and added to your policy.
Consider Bundling Policies

Bundling your home insurance with other policies, like auto or umbrella insurance, can often save you money and simplify your insurance management.

Emergency Preparedness Tips

Preparing for emergencies can help minimize damage and make the recovery process smoother. Here are some tips to keep in mind:

Create an Emergency Kit

Have a kit ready with essentials like water, non-perishable food, flashlights, batteries, and a first aid kit. This can be crucial during a power outage or evacuation.

Develop a Family Plan

Make sure everyone in your household knows what to do in case of an emergency. Have a designated meeting spot and a plan for how to communicate if you get separated.

Secure Important Documents

Keep important documents, like insurance policies, passports, and birth certificates, in a waterproof and fireproof safe. Alternatively, store digital copies in a secure cloud storage.

Be Prepared with Arrow Insurance Agency

​August is the perfect time to review your home insurance policy and ensure you are prepared for any seasonal risks. By updating your coverage and taking steps to protect your home, you can enjoy peace of mind knowing that you are ready for whatever comes your way.

​Arrow Insurance Agency, based in Loganville and serving the greater Atlanta area, including Marietta and Alpharetta, is here to help you with all your home insurance needs. Contact us today to schedule a policy review and make sure your home is fully protected.

Contact us!

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Zaheed Hussain
​​Owner/Licensed Agent

Our aim is to hit the bullseye every time when it comes to providing our clients with the best Georgia home insurance coverage available at the best value. We also provide many other coverages for auto, business, life, and health. 

​Phone: (770) 692-7500
Email: [email protected]
Loganville, GA