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Home Insurance in Georgia : Real Estate Advice

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  • Local Info36
  • Home Buying235
  • Home Selling43
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Activity 30
Wed Sep 20, 2017
Whwelch asked:
Tue Aug 29, 2017
Alan May answered:
Some inspectors walk the roof, and some don't. Typically your inspector has you sign some paperwork that spells out what he does, and what he doesn't do.

Your inspector said that the shingles were "newer than the home"... what does that mean? Are they 5 years old... or 25 years old? Perhaps the shingles were fine, but the roof was rotting beneath some newer shingles.

Personally, for an inspector who doesn't walk the roof, I would hope that he would get inside the attic. I understand that access was tight... but an effort should have been made to do one or the other.

Liable...? I doubt it... I'm sure his paperwork, which you signed, seriously limits any liability to the fee that you paid. Good luck.
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Tue May 24, 2016
Brooketheresewalker asked:
I am leasing a house. Is there any way I can find out either who the home owners insurance is with or what date it was purchased for the house? I believe my landlord comitted insurance fraud.…
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Thu Feb 25, 2016
RodneyMasonOnQ answered:
You would need to contact an Insurance Agent to get the answer to that question. Only a licensed agent can give you that information.

If you need a referral to a great Insurance Agent, just let me know and I can put you in touch with someone. ... more
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Wed Feb 24, 2016
Lauren asked:
Credit score is 667 but my premiums are still double the quotes I'm giving. Is this common? This is my first home purchase. House was built in 2002 and is move-in ready. Are premiums normally…
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Sun Jun 7, 2015
Christopher Fritts answered:
It certainly is possible, however, homeowner's insurance laws differ from state to state, and policies vary widely from company to company. You should speak with a local insurance agent who would be better at answering your question. He/she can help you understand the laws in your state or jurisdiction. Good Luck! ... more
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Sun Jun 7, 2015
Christopher Fritts answered:
It certainly is possible, however, homeowner's insurance laws differ from state to state, and policies vary widely from company to company. You should speak with a local insurance agent who would be better at answering your question. He/she can help you understand the laws in your state or jurisdiction. Good Luck! ... more
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Mon May 4, 2015
MightBeJunk2 asked:
To hopefully avoid having a nursing home take the house if she winds up in one. I just realized the homeowners insurance is still in Mom's name.
1. Does that mean the house is not…
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Wed Jan 14, 2015
James Lisbon answered:
Auto insurance seems to be different no matter where you live, but I think that there are probably some good options no matter where you are. My wife and I have been looking around for some auto coverage recently, but we haven't made a decision quite yet. Hopefully we can come to a conclusion soon. http://www.lowcostinsurance.biz/services/ ... more
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Thu Jul 11, 2013
Donald Stevens answered:
We write stand alone landlord and vacant property insurance in GA. If you visit our site you can request a quote and we will get started on it right away.
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Mon Apr 8, 2013
Donald Stevens answered:
Most homeowners insurance companies do not offer flood insurance. Floods and literally happen anywhere and if you dont have flood insurance you will not have coverage if you are in a flood zone or not. Nonflood zone areas get the preferred rate and you could get coverage for as low as $250 a year. A small expense for peace of mind. ... more
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Thu Oct 25, 2012
DELETECamilla B answered:
If the title company charged for insurance, should not they handle it even if the buyer did not buy their own insurance? Explain how that would work.
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Sat Jun 16, 2012
Diane Strickland answered:
Dear S&S,

Please know if you will have a mortgage on a home and the home requires flood insurance in accordance with FEMA.gov guidelines the annual rate could vary based on the flood zone as well as other factors such as have they enclosed an area below the flood zone - base level or if it is located in a velocity flood zone. The year the home was constructed also plays an important role in determing premiums for flood insurance.

I would ask the existing homeowner if they have a "flood elevation certificate" or if you plan to purchase a home, I would see if the current insurance provider has a flood elevation certificate. The "flood elevation certificate" helps the insurance provider determine the rate for the home. Typically, most homes on Skidaway Island would be in a flood zone but there are different categories for flood zones so you may wish to reference FEMA's website (FEMA.gov) for additional information.

If the home will not have a mortage on it, you may not be required to have flood insurance but it is advisable to seek information about coverage for your home and contents from a licensed insurance provider.

I am not an expert in the area of insurance, flood zones, price quotes or premiums but there are a lot of wonderful insurance carriers in our area that could provide you a price quote on a particular home. There are so many factors that determine the premium for flood insurance and a licensed insurance agent would be the best individual to consult regarding this matter.

Skidaway Island (Savannah, Georgia) is a beautiful gated community with a first-class marina and the golf courses are awesome! You have great views of the marshland / waterways while playing golf. The marina at Skidaway Island is located within close proximity to the intracoastal waterway and coastal barrier islands which is a plus for boaters.

If you are searching for a new home in the Savannah - Skidaway Island area, please let me know if I may assist you if you are not currently working with a realtor in the area. Hopefully, you will find a home that requires a modest/reasonable or affordable premium for flood insurance so you can enjoy this beautiful coastal region!

Kindest Regards,
Diane Strickland
REMAX Accent
(912) 429-1093
(912) 756-5888
Fax (912) 756-5861
http://www.dianestrickland@remax-georgia.com
Email: strickdi@yahoo.com

Information subject to errors and omissions. No warranties or guarantees.
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Wed May 30, 2012
The Insurance Lady answered:
I will be happy to help you. Please call Gia at 770-961-8085 ext 2235
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