Have you ever wondered what exactly your Atlanta area homeowner’s insurance policy covers? The answers may surprise you! Of course, each policy is different, so you’ll want to speak with your agent to be sure of the extent of your coverage, but here are some of the most common covered events:

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Property Damage

Many different damaging events are typically covered by your insurance policy. Storms, fires, accidents caused by other people, and even water damage inside your home may be all be encompassed by your policy.

It is important to note that, while your homeowner’s insurance may cover water damage from broken pipes, it will not cover flood damage. You’ll need to see your agent to add a rider for that coverage.

Also, in some cases, another person’s insurance would cover damages to your home. For example, a driver’s auto insurance might cover damages to your home that were caused by a wreck. Your insurance agent will be your most valuable asset when determining damage coverage.


Having someone get hurt at your house is a homeowner’s worst nightmare. Luckily, your homeowner’s insurance policy will cover the medical bills caused by that injury. This means you don’t have to pay out of pocket for hospital care or medical attention.

Additionally, if you accidentally injure someone away from home, your insurance may provide the money needed to pay for those injuries. Check with your agent to find out the specifics of your policy.


The pets living in your Atlanta home may be protected by your homeowner’s insurance, but not in the way you might think. If your sweet, lovable dog bites a visitor, your policy may provide the coverage you need to pay for the medical attention the person needs.

In some cases, damages caused by your pets or animals to another’s pets, animals, property, or person may also be included in the policy. It is important to note that some policies do not allow for homeowners to own certain breeds of dogs. Call your agent to find out if you—and your dog—are protected.


Imagine coming home from work and finding that your home has suffered a break-in. Your television, computer, tablet, and jewelry are gone. In addition to repairing any physical damage to your home, your insurance policy may pay to replace the items that were stolen.

Keeping updated records of the exact items in your home is crucial to getting them replaced. Your insurance broker’s office can provide you with tips to properly document your belongings.


Mold is dangerous, and it can cause severe health concerns for you and your family. Depending on the cause of the mold in your home, your Atlanta area homeowner’s insurance policy may pay for the removal of the dangerous microbes and the restoration of your house’s structure.

Mold is typically not covered if caused by floods, but you can purchase flood insurance to protect against that damage. Your homeowner’s insurance policy will pay for damages caused by mold that is a result of problems with your pipes.