Homeowner’s insurance — you can’t live without it. (Well, okay, technically you could as it's not required by law, but if you have a mortgage, it’s pretty much a non-negotiable). If you are planning on purchasing a new home in metro Atlanta, or are curious about finding a new policy, here are some things to keep in mind when shopping around:

“Get enough insurance to cover rising construction costs should you need to rebuild. This is called replacement cost. If you need help determining your replacement cost for your Atlanta home, I can help. ”

— Sara Cowley, Atlanta area Realtor

1. Get enough insurance to cover rising construction costs should you need to rebuild. This is called replacement cost. If you need help determining your replacement cost for your Atlanta home, I can help.

2. Consider flood insurance even if you think you don’t need it — floods are the most common natural disaster in the U.S. Remember, a home can flood even if you’re not in a flood zone. Don’t know? You can check flood zone maps here for your Atlanta address.

3. Call a disaster-prone area home? Wild fires, earthquakes, flooding - don’t assume you’re covered. You may need endorsements or additional policies. Ask an agent you trust what’s best for your address.

4. Inventory all your stuff. Yes, this is tedious! But if you ever need to file a claim, an inventory will make the process quick and accurate. You’ll thank your present self, trust me.

5. Stretch your liability coverage. Liability coverage is affordable and smart in today’s litigious world. It’ll pay for legal defense and settlements if someone sues you over injuries or property damage.

One last tip: if you do an addition or big renovation, remember that you may want to add to your policy to protect your investment! Want help or a referral for navigating the insurance process? I’m here. Reach out anytime. I’m never too busy for you!