A standard policy will suffice in most instances. It protects against several natural disasters and catastrophic events. However, it will not guard against earthquakes, floods, war and nuclear accidents. The policy can be expanded to include these disasters as well as coverage for such things as workers’ compensation. In fact, the lender may require that you purchase flood or earthquake insurance if the house is in a flood zone or a region susceptible to earthquakes.
If you bundle your home insurance with your car insurance, you should save a considerable amount of money in premiums. This is our personal insurance agent who has helped us over the years:
Tony DuShane LUTCF, Agent
Allstate, 2528 Weems Rd, Columbus, Ga. 31909
706-324-0417
706-324-4901 FAX
tonydushane@allstate.com