Dickerson Agency, Inc.
3745 Cherokee St NW, Ste 101, Kennesaw, GA 30144
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3745 Cherokee St NW, Ste 101, Kennesaw, GA 30144
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225 Town Park Drive, Suite 350, Kennesaw, GA 30144
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1500 Chastain Road NW, Suite 290 (Insurance Magic Group - mailing/office listed on site), Kennesaw, GA 30144
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1300 Ridenour Blvd., Suite 100, Kennesaw, GA 30152
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1300 Ridenour Blvd NE, Suite 100, Kennesaw, GA 30152
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5150 Stilesboro Rd NW, Ste 500, Kennesaw, GA 30152
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3900 Legacy Park Blvd NW D100, Kennesaw, GA 30144
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3900 Legacy Park Blvd NW, Ste D100, Kennesaw, GA 30144
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1300 Ridenour Blvd, Suite 100, Kennesaw, GA 30152
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3103 Cobb Pkwy NW, Suite 110, Kennesaw, GA 30152
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Learn about insurance coverage options specific to Kennesaw residents.
Kennesaw homeowners face severe storms and tornadoes. Learn about coverage options, costs, and how to protect your North Georgia home investment.
Car InsuranceKennesaw drivers pay $1,800-$2,400/year for car insurance. Learn how I-75 commutes, university traffic, and location affect your rates—plus how to save.
Car InsuranceGet affordable auto insurance in Kennesaw. Compare 12 local agencies, understand Georgia's 25/50/25 minimums, and save on I-75 corridor coverage.
General Insurance EducationComplete insurance guide for Kennesaw, GA residents. Learn about auto and home insurance rates, KSU student coverage, and northwest Atlanta considerations.
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.
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.
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.
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.
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.
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.
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