Most homeowners think they’re fully protected—until disaster strikes and they hear, "That’s not covered."
Don't let common insurance myths cost you thousands in unexpected expenses.
5 Common Homeowners Insurance Myths — Debunked!
Learn how to avoid costly mistakes and ensure your home, belongings, and family are properly protected.
- Is your coverage based on replacement cost?
- Does your policy include flood protection?
- Are your valuables fully insured?
- Find out now before it’s too late!
Find out now before it’s too late!
5 Common Homeowners Insurance Myths — Debunked
Trusted Choice Insurance Agency | Homeowners Insurance in Georgia
Avoid costly surprises! Learn the truth behind 5 common homeowners insurance myths and make sure your Georgia home is properly protected.
When It Comes to Homeowners Insurance, What You Don’t Know Can Cost You
When disaster strikes, the last thing you want to hear is, “That’s not covered.” Unfortunately, many homeowners only discover gaps in their insurance after it’s too late—facing unexpected out-of-pocket expenses, denied claims, or realizing they were severely underinsured.
At Trusted Choice Insurance Agency, we know that misinformation is one of the biggest risks to homeowners in Georgia. Your policy should give you peace of mind—not unpleasant surprises. That’s why understanding what your homeowners insurance truly covers is critical to protecting your most valuable asset.
Let’s clear up five of the most common homeowners insurance myths—before they cost you more than you bargained for.
Myth #1: "I Only Need Coverage for What I Paid for My Home.
Truth: Your policy should cover the cost to rebuild, not just what you paid. Market value and replacement cost are very different. If your home is destroyed by fire or storm, being underinsured could leave you paying tens of thousands out-of-pocket to rebuild.
💡 Pro Tip: Request a policy review to ensure your coverage matches current construction costs.
Myth #2: "Flood Damage is Covered Automatically."
Truth: Standard homeowners insurance does not cover flood damage. Many homeowners only realize this after a storm or hurricane causes severe flooding—and by then, it’s too late to add coverage.
💡 Pro Tip: If you live in Georgia, even outside designated flood zones, consider affordable flood insurance for added protection.
Myth #3: "My Personal Belongings Are Fully Covered."
Truth: While your policy covers personal property, there are limits on high-value items like jewelry, art, collectibles, and electronics. Without scheduling these items separately, you could face significant financial loss after theft or damage.
💡 Pro Tip: Create a home inventory and ask about personal property endorsements to fully protect valuables.
Myth #4: "Minor Claims Aren't Worth Reporting."
Truth: Filing too many small claims can lead to higher premiums—or even policy non-renewal. But ignoring minor damage, like a small roof leak, can result in major repair costs later.
💡 Pro Tip: Always consult with your agent before filing a claim to weigh the pros and cons.
Myth #5: "Once I Buy a Policy, I’m Set Forever."
Truth: Life changes—and so should your insurance. Renovations, rising construction costs, or new valuables can leave you under-protected if you don’t review your policy regularly.
💡 Pro Tip: Schedule an annual policy review to keep your coverage aligned with your current needs.
Protect Your Home the Right Way
Homeowners insurance isn’t just a requirement—it’s your financial safety net. Don’t let myths and misinformation leave your home, belongings, or family exposed.
At Trusted Choice Insurance Agency, we offer personalized homeowners insurance solutions for Georgia residents. We’ll review your current policy, identify gaps, and ensure you have the right protection—before you need it.
Is Your Home Properly Protected?
- Free Policy Reviews
- Customized Coverage for Your Property & Belongings
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