Being covered one time buy homeowners is enough in the state of Georgia?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 22, 2018

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Insurance Question from Columbus, GA

Asked on 10/22/2018

Being covered one time buy homeowners is enough in the state of Georgia? If my homeowner's insurance is included in my mortgage. Is that sufficient in state of Georgia? No one else can make me get another coverage correct?

Answer given on October 23, 2018

If you have a mortgage and the mortgage company has arranged for your insurance and the payment for it is a part of the mortgage payment, that should be sufficient and nothing else should be required. However, you should make sure that the insurance policy is a Homeowner policy, because that includes coverage for your personal property and for liability protection. You do not want a simple fire insurance policy.

You have the right to choose your own insurance company and policy to cover your home. It can be set up so the premium payment is made a part of your mortgage payment, as it is set up now. If your mortgage company purchased the policy, you need to be sure it is written properly. Some mortgage companies only make sure the mortgage is covered and nothing else. Make sure this is not the type of policy that you have.  It costs nothing to have an independent insurance agent review your insurance.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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