North Georgia Insurance Center offers various options to help homeowners in Commerce, GA, safeguard their property investment. Home insurance protects against many common perils, and the range of options within these policies allows homeowners to choose their level of coverage.

Selecting Peril Coverage

Home insurance offers various levels of coverage, ranging from policies that protect against loss from 15 of the most common perils to policies that cover any possible peril. Each homeowner chooses the level of coverage they desire for their home.

Named Peril Coverage

In the U.S., home insurance offers named peril coverage or all perils coverage, also known as open perils coverage. Named coverage refers to policies that include a list of covered perils:

• HO-1 or basic coverage of 10 to 15 perils
• HO-2 includes 16 perils
• HO-8 or historic home coverage of 10 perils.

A homeowner can add coverage to any of these policies using riders, such as those for home businesses, or by scheduling items like expensive jewelry, hobbyist equipment, or electronics.

Open Peril Coverage

The insurance industry offers two forms of open peril insurance for homes. Choose from HO-3 or dwelling coverage, which includes open peril coverage on the structure and named peril coverage for personal possessions, or an HO-5 policy, which includes open peril coverage for the structure and personal property.

Shop for Home Insurance with Us Today

Let North Georgia Insurance Center help you protect your home investment in Commerce, GA, with the home insurance that suits your needs. Call or email us today to update your home policy to protect against the perils that commonly threaten your home.