This is one of the most common questions drivers have after an accident: If I was not at fault, should I contact my …
Your home is likely the biggest investment of your life. At Calidad Insurance, we offer comprehensive homeowners insurance solutions tailored to your specific needs—whether you live in Georgia or South Carolina, including cities like Atlanta, Norcross, Marietta, Spartanburg, and Greenville.
Our team of licensed agents will guide you through the types of homeowners policies available and help you choose the one that offers maximum protection for your home, belongings, and liability risks.
What Does Homeowners Insurance Cover?
A standard HO3 policy, the most common homeowners insurance, provides protection in five essential areas:
Dwelling Coverage
This protects the structure of your home from unexpected risks such as fire, lightning, hail, and more. If it’s not specifically excluded in the policy, it’s covered.
Other Structures
Covers detached buildings such as garages, fences, gazebos, and swimming pools.
Personal Property
Protects your belongings (furniture, electronics, clothing) inside and outside your home. It’s important to inventory valuable items to ensure full coverage.
Liability Protection
If someone is injured on your property or if you cause damage to someone else’s property, your policy covers legal fees and compensation.
Additional Living Expenses (ALE)
If your home becomes uninhabitable due to a covered peril, this covers temporary housing, food, and relocation expenses.
Homeowners vs Renters Insurance
Whether you’re a homeowner or a renter, protecting your living space and belongings is crucial. Here’s the difference:
| Feature | Homeowners Insurance | Renters Insurance |
|---|---|---|
| Covers Structure | YES | NO |
| Covers Personal Property | YES | YES |
| Liability Coverage | Yes (Higher Limits) | YES |
| Living Expenses (ALE) | YES | YES |
| Premium Cost | Higher | Lower |
Why Choose Calidad Insurance?
Since 2004, Calidad Insurance has been committed to providing honest guidance, clear explanations, and competitive rates. With offices throughout Georgia (Atlanta, Lilburn, Norcross, Marietta, Doraville, Forest Park) and South Carolina (Greenville, Spartanburg), we’re always close to you.
Our licensed agents stay up-to-date with policy options and legal requirements, ensuring you’re well-informed to make the best decisions. Whether you’re buying your first home, upgrading, or refinancing, we’ll help you get the right protection with peace of mind.
Areas We Serve
We proudly offer home insurance in:
Georgia: Norcross (30071), Lilburn (30047), Marietta (30060), Doraville (30340), Forest Park (30297), and more.
South Carolina: Greenville (29611), Spartanburg (29303), and surrounding areas.
