Shadowshield Insurance
105 W 3rd St, Suite 312, Roswell, NM 88201
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105 W 3rd St, Suite 312, Roswell, NM 88201
View this agency's profile to learn more about their services.
601 W 2nd St, Ste 16, Roswell, NM 88201
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Roswell residents.
Roswell homeowners pay $1,652/year for insurance—36% less than Georgia's average. Learn about flood risks, historic home coverage, and how to save.
Car InsuranceGet the right auto insurance in Roswell, Georgia. Learn about GA's 25/50/25 minimums, at-fault rules, and how GA-400 traffic affects your rates.
Home insurance is not legally required in Georgia, but if you have a mortgage, your lender will require it as a condition of your loan. Even if you own your home outright, insurance protects you from catastrophic financial losses due to fire, storms, theft, or liability claims. Given Roswell's median home values exceeding $600,000, going without coverage is a significant financial gamble.
Yes, flood insurance is worth considering even outside designated flood zones. About 20% of flood insurance claims come from low- to moderate-risk areas. Roswell's proximity to the Chattahoochee River and Big Creek means flash flooding can occur during heavy rains. Standard homeowners policies don't cover flood damage, so a separate NFIP policy—often $400 to $600 annually for moderate-risk properties—provides essential protection.
Georgia home insurance rates have jumped 36% since 2019, driven by inflation in construction materials, rising labor costs, and more frequent severe weather claims. Insurers adjust rates to reflect increased replacement costs and risk. To manage increases, consider raising your deductible, bundling policies, improving your credit score, and shopping around annually to ensure you're getting competitive rates.
You need enough dwelling coverage to fully rebuild your home at current construction costs, not just your home's market value. With Roswell's median home value around $680,000 in 2025, your rebuild cost might differ significantly based on your home's size, age, and features. Get a replacement cost estimate from your insurer and consider guaranteed or extended replacement cost coverage, especially for historic homes with unique architectural details.
Replacement cost coverage pays to repair or rebuild your home and replace your belongings at today's prices without deducting for depreciation. Actual cash value coverage deducts depreciation, meaning you'd receive less money—potentially far less for older items or structures. Always choose replacement cost coverage for both your dwelling and personal property to avoid being undercompensated after a loss.
Yes, historic homes often require specialized coverage because original materials and period-appropriate construction methods cost more to repair or replace than standard modern building. Look for insurers experienced with historic properties and consider guaranteed replacement cost coverage or extended replacement cost endorsements. Document your home's unique features with photos and appraisals to ensure you have adequate coverage for authentic restoration if needed.
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