Question 1

Does my Kennesaw home insurance cover tornado damage?

Accepted Answer

Yes, standard homeowners insurance policies cover tornado damage to your home and belongings. Tornadoes fall under windstorm coverage, which is a named peril in typical policies. However, some insurers use percentage deductibles for wind damage, meaning you might pay 1-2% of your home's value out of pocket before coverage applies. Review your policy's wind deductible carefully.

Question 2

Do I need flood insurance in Kennesaw?

Accepted Answer

It depends on your property's location and flood risk. If you're in a FEMA high-risk flood zone with a federally backed mortgage, flood insurance is required. Even if it's not required, Kennesaw's severe thunderstorms can cause flash flooding. Standard home insurance doesn't cover flood damage, so evaluate your property's drainage and proximity to water. Flood insurance is more affordable in lower-risk areas and can prevent devastating financial loss.

Question 3

How much does home insurance cost in Kennesaw, GA?

Accepted Answer

Costs vary based on your home's value, age, construction, your credit score, coverage limits, and deductibles. With Kennesaw's median home values around $350,000-$364,000, you're insuring a significant asset. Georgia premiums tend to be higher than the national average due to severe weather risks. Shopping multiple carriers and asking about discounts for security systems, bundling, and newer roofs can save you hundreds annually.

Question 4

What's the difference between replacement cost and actual cash value coverage?

Accepted Answer

Replacement cost coverage pays to rebuild your home or replace belongings at current prices without deducting for depreciation. Actual cash value deducts depreciation based on age and wear, giving you less money. For example, if your 10-year-old roof is damaged, actual cash value might only pay half its replacement cost. Given rising construction costs, replacement cost coverage is essential for Kennesaw homeowners.

Question 5

Will my home insurance cover damage from winter ice storms?

Accepted Answer

Yes, most damage from ice storms is covered. If ice causes tree limbs to fall on your roof, your dwelling coverage applies. If frozen pipes burst and flood your home, that's typically covered too. Your additional living expenses coverage pays for temporary housing if the damage makes your home uninhabitable. However, insurers expect you to maintain your home—if pipes burst because you left your heat off during a freeze, your claim might be denied.

Question 6

Should I increase my liability coverage above the standard amount?

Accepted Answer

Absolutely consider it, especially in Kennesaw's family-friendly neighborhoods. The standard $100,000 liability coverage can disappear quickly if someone is seriously injured on your property. Increasing to $300,000 or $500,000 costs relatively little. If you have significant assets, consider an umbrella policy that adds $1 million or more in liability protection for just a few hundred dollars annually.

Insurance Agents in Kennesaw, Georgia (GA)

Insurance agencies serving Kennesaw

Dickerson Agency, Inc.

Innovative Insurance Group

Insurance Agents in Kennesaw, Georgia (GA)

Insurance agencies serving Kennesaw

Dickerson Agency, Inc.

Innovative Insurance Group

Insurance Magic Group

J&A Insurance Agency, Inc.

J&A Insurance Agency, Inc.

Red Taylor Insurance

The Georgia Family Insurance Agency

The Georgia Family Insurance Agency

The Insurance Nana

Total Insurance

Insurance Guides for Kennesaw

Home Insurance in Kennesaw

Car Insurance Costs in Kennesaw

Auto Insurance in Kennesaw

Insurance Guide for Kennesaw

Frequently asked questions