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Homeowners Insurance in Kennesaw, GA

university of georgia, america, campusUnderstanding homeowners insurance is essential for every home buyer. It is a vital safety net intended to shield properties from devastating financial losses after unexpected disasters or accidents. Without it, homeowners might have to pay for costly incidents out of pocket. 

What Does Homeowners Insurance Cover? 

Homeowners insurance usually offers protection against a variety of perils and risks. The exact coverage may differ depending on the policy and insurance provider, but standard homeowners insurance typically includes the following: 

  • Dwelling coverage  
  • Other structures coverage  
  • Personal property coverage  
  • Liability coverage  
  • Additional living expenses  

What Does Homeowners Insurance Not Cover? 

The following are standard homeowners insurance exclusions: 

  • Floods 
  • Earthquakes 
  • Sinkholes 
  • Maintenance-related issues 
  • Sewer backups 
  • Nuclear accidents and war 
  • Home-based business liabilities 
  • Intentional acts 
  • Certain breeds of dogs 


It’s crucial to thoroughly review your homeowners insurance policy, understand its terms and conditions, and consider additional coverage options. If you have specific concerns or questions, it’s advisable to discuss them with your insurance agent to see if you have the appropriate coverage for your circumstances. 

Why Do I Need Homeowners Insurance? 

Homeowners insurance is necessary for multiple reasons. It may offer financial protection for the structure of your home, personal belongings and liability coverage in the event of injuries or property damage on your premises. Moreover, it can incorporate coverage for additional living expenses should your home become uninhabitable due to a covered peril. Many mortgage lenders mandate homeowners insurance to safeguard their investments. Beyond the practical benefits, having this insurance can provide peace of mind, allowing homeowners to focus on daily life without constant worry about the financial repercussions of unforeseen circumstances. 

Regular policy reviews and consultations with insurance agents can help see if coverage remains appropriate for individual needs. Contact D. Ward Insurance Services to review your homeowners insurance and check if you are adequately covered. 

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