Home Insurance Checklist for Atlanta Homeowners
If you’ve recently purchased a home in Atlanta—or want to make sure your current coverage is strong—this checklist will help you understand what your insurance should include. Many homeowners discover coverage gaps after a claim, not before. This guide helps you avoid that mistake.
1. Dwelling Coverage (Rebuild Cost)
Make sure your policy covers the full cost to rebuild your home, not the market value. Atlanta construction costs have risen 15–25% in recent years.
2. Personal Property Protection
Take inventory of:
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Electronics
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Furniture
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Clothing
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Jewelry
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Appliances
Consider replacement cost coverage instead of actual cash value.
3. Liability Coverage
Protects you if someone is injured on your property.
Recommended: $300,000–$500,000 minimum.
4. Additional Living Expenses (ALE)
Covers hotel stays, food, and temporary housing if your home becomes unlivable.
5. Water Damage & Plumbing Issues
Check for coverage related to:
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Burst pipes
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Sewer backups
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Hidden water leaks
Some require add-on endorsements.
6. Roof Coverage
Metro Atlanta homes face:
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Wind damage
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Hail
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Summer storms
Ensure your roof is protected at replacement value, not depreciated value.
7. Flood Insurance (Not Included)
Standard home insurance does NOT cover floods.
If you live near:
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South Fulton
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Decatur
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Stone Mountain
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Riverdale
You may need a separate flood policy.
8. High-Value Items Riders
Jewelry, art, collectibles, and expensive electronics often need separate coverage.
9. Home-Based Business Coverage
If you work from home, your equipment or inventory may need additional protection.
10. Annual Policy Review
Review your policy every year—especially if you:
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Renovate
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Buy new furniture
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Add a roof or deck
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Install security upgrades
Final Thoughts
The right home insurance policy protects both your investment and your family. By following this checklist, you’ll avoid major coverage gaps and get peace of mind.