Home Insurance

Serving all the property insurance needs of Georgia, Alabama, and Tennessee 

Insurance protection to help you feel secure at home J Wood Insurance is on your side. As an independent agency, we can review  many insurance companies and compare protection and prices to find the best value for you.
 
We’re your neighbors – we are real members of the McDonough, Ga community. We know what you need for your homeowners’ insurance policy in Georgia, and we will be your advocate when you need us most.


Our commitment is to serving you.
J Wood Insurance knows that in Georgia, Alabama and Tennessee, there are as many different insurance needs as there are neighbors who live here!
To speak with one of our team members about your home insurance needs, reach out today.  
 
Home Insurance  – Insurance protection for what matters most
  • Homeowners Insurance – Insurance protection for your most valuable asset.
  • Condo Insurance – Condos need special coverage. Make sure yours is right!
  • Renters Insurance Coverage– Coverage for your property and liability protection that covers you if you do not own the property where you live.
  • Landlord Protection – Are you renting your home? Protect yourself with landlord insurance policy. 
  • Flood Insurance – A standard homeowners policy often has exclusions that are not covered. Flood insurance can help fill those gaps in coverage and is often extremely cheap based on where you live. 
 
​What Does A Home Insurance Policy Cover?


​Home insurance in Ga, also commonly called homeowner's insurance or hazard insurance, is a type of property insurance that covers your personal residence. 

This type of insurance policy combines various insurance protections for common losses to a personal home, which can include losses occurring to your home, its contents, loss of use (extra cost associated with finding a place to live), or loss of your personal possessions, including liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

Common Home Insurance Coverages

Property Coverages
  • Coverage A – Dwelling Coverage
    Covers the dwelling itself (not including the land). Renters insurance has no Coverage A, although it may have additional coverage for improvements that you make while you are a tenant. 
  • Coverage B – Other Structures Coverage
    Covers other structure around the property that are not used for business, except as a private garage. Other structures is usually limited at 10% to 20% of the Coverage A, but your agent can usually add coverage with an endorsement. 
  • Coverage C – Personal Property Coverage
    Covers your personal property, but has limits for the theft and loss of particular classes of items. ​
  • Coverage D – Loss of Use/Additional Living Expenses Coverage
    Covers your expenses for additional living expenses if the loss prevents you from staying in your home (ex. rental expenses). 
  • Additional Fine Print Coverages
    Covers a variety of expenses like debris removal, repairs, damages to trees and shrubs for specific named perils (excluding the most common causes of damage, wind and ice), fire department charges, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishings, and some additions to the building.The vary depending on the insurance carrier and the level of protection you select. 
  • Exclusions
    In a common homeowners policy, specific exclusions will usually be stated in this section.  Many customers believe that mold is covered, even though it is typically not covered if the water damage occurs over a period of time. It is always best to discuss exclusions with your agent to find gaps in coverage and help you get the policy you need. ​
  • Flood damage is almost always excluded under standard homeowners and renters insurance policies. Flood insurance is an additional policy that can be added to protect your home.
Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense that the insurer will pay for.  Dog bites are a common loss related to this coverage. Some carriers will exclude certain breeds of dogs. Make sure you have liability protection for your dog, regardless of their breed. 

    Contact us to find out more about the right homeowners insurance for you in McDonough Ga, Locust Grove Ga, and all of Georgia.
(770) 322-4390
571 Hwy 81 East
McDonough, GA 30252​
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