Category: Home Insurance

If you live in the Macon, GA, area, you should consider owning your own home. Being a property owner here will provide various long-term benefits and advantages. If you choose to buy a house when you are in the area, it would also be smart to get insurance for it. There are a lot of scenarios when it is smart to get home coverage. 

When Trying to Secure Finances

A situation when you want to get a home insurance plan in Georgia is when you are trying to secure your personal finances. Your home is the most valuable asset you will likely ever own, and the best way to cover it is with home insurance, which offers support if the property is damaged in various situations. Further, a plan will provide personal liability coverage and cover personal items you own. 

When Taking out a Mortgage

It would be best if you also considered getting a home insurance policy when taking out a mortgage. Many people in this state will finance their home purchase with a mortgage. While this can help you buy a home, it does come with some requirements. One common obligation is to get insurance. You will likely have specific insurance requirements set by the lender and may also need to establish escrows. 

Getting home insurance in Macon, GA is always a good idea. If you are looking to buy a home when you are here, it can be smart to call our professionals with O’Mahony Insurance Agency LLC. Our team with O’Mahony Insurance Agency LLC will give any guidance you need to select a policy that meets your needs and will cover your home the right way. 

Bad things happen, even to good people, and being prepared with the right home insurance can make all the difference. In Macon, GA, our experienced agents at O’Mahony Insurance Agency LLC know what it takes to protect our customers, and having a home inventory is one of those things. 

If your home is damaged by a covered hazard, your content may be severely damaged. It is hard to remember everything that you had when your possessions are spread over two counties, which can happen with a tornado. Your home inventory will be accepted as verification of what you had, which makes it a very important document. 

What is a home inventory?

A home inventory is a listing of the contents of your home. It takes into account all the things in every room. Try to imagine thinking about what was in a closet when the closet no longer exists. Not an easy task, especially if you are living through the trauma of losing your home. 

Taking a detailed inventory of every room in your home with photos to back it up, can make the aftermath of a hazard much easier to deal with. It does take a little time to make a home inventory, but if you ever need it, you will be very grateful that you took the time to make it. 

Attach any receipts or invoices that you have and give as much detail as possible in the write-up. Then store your inventory away from your home in a safe place so that if the need arises, it will be there for you. 

Call Today To Discuss Your Options

Contact O’Mahony Insurance Agency LLC in Macon, GA when you need to discuss your home insurance coverage. As independent insurance agents, we have access to more options and the best rates to provide our customers with the choices they deserve. 

Stepping into the basement and seeing inches of water is enough to make any homeowner panic. Thankfully, homeowners insurance may cover the damage to your basement in some situations. At O’Mahony Insurance Agency LLC, serving the greater Macon, GA community, we’re here to provide you with the home insurance coverage that you need to rest assured that your home is protected. 

Home Insurance and Basement Water

If you have water in your basement and are interested in filing a home insurance claim, it’s important to talk directly with your home insurance company to learn more about your coverage. Typically, homeowner’s insurance policies cover damage to basements due to water that comes from burst pipes or broken plumbing appliances (such as a leaky washer).

It’s important to note, however, that insurance typically only covers damage to the home and not the appliances that caused the damage. Basement water issues due to negligence (such as neglecting to fix a sink that’s been leaking for some time) are also typically not covered by home insurance policies. 

Water in the basement that comes from flooding or groundwater after heavy rains is typically not covered by home insurance policies. Generally, if the water in your basement is caused by an issue within your home, it’s usually covered by homeowner’s insurance. If the water is caused by an issue outside of your home, it’s typically not covered. 

We Can Help!

At O’Mahony Insurance Agency LLC, we’re proud to serve Macon, GA homeowners with the policies that they need to rest assured that their homes are protected. Reach out to us today to learn more about how we can help.