- Tree Insurance Agency, LLC – GA 305 Trilith Pkwy, Ste 300 #1771 Fayetteville, GA 30214
Homeowners
Homeowners Insurance
Your home is likely the biggest investment you’ll ever make. We make sure it’s protected the right way — with coverage that actually covers what matters, at a price that makes sense for your budget.
Your home deserves better than a one-size-fits-all policy.
Most homeowners get their insurance wherever their mortgage lender sends them — and end up overpaying for coverage that wasn’t designed for their situation. At Tree Insurance Agency, we do it differently. We shop multiple carriers to find the right fit for your home, your neighborhood, and your budget. One call. Real options. No pressure.
- We work for you — not the carrier: We're an independent agency. That means we compare multiple carriers to find you the best coverage at the best rate.
- Quotes in minutes: No lengthy paperwork or back-and-forth. We get you covered fast — often the same day.
- A real person answers: When something happens, you call us — not an automated robot. We know your policy and we go to bat for you
No obligation. No pressure. Just real numbers so you can make the best decision for your family.
We Cover All Types of Homes
- Standard homeowners (HO-3): The most common policy for single-family homes. Covers your home's structure, personal belongings, liability, and additional living expenses if you're displaced after a covered loss.
- Renters insurance: If you rent, your landlord's insurance does NOT cover your belongings. Renters insurance protects your personal property, covers liability, and is typically very affordable.
- Condo insurance (HO-6): Your condo association covers the building — but not what's inside your unit. Condo insurance protects your interior, personal belongings, and personal liability.
- Landlord / dwelling fire: Own a rental property? This protects the structure, covers lost rental income if the property becomes uninhabitable, and provides liability coverage for your tenants' injuries.
- Mobile & manufactured home: Specially designed for mobile and manufactured homes, which have unique construction and risk profiles that standard homeowners policies often don't fully cover.
What Homeowners Insurance Covers
- Dwelling coverage: Pays to repair or rebuild your home's structure if it's damaged by a covered event — fire, wind, hail, lightning, and more. This is the foundation of your policy.
- Personal property: Covers your belongings — furniture, electronics, clothing, and more — if they're stolen or damaged by a covered event, even away from home.
- Liability protection: If someone is injured on your property and sues you, liability coverage pays for legal costs and damages. It also covers accidental damage you cause to others' property.
- Additional living expenses: If a covered loss makes your home temporarily unlivable, this pays for hotel stays, meals, and other costs while repairs are made. Also called "loss of use" coverage.
- Additional living expenses: If a covered loss makes your home temporarily unlivable, this pays for hotel stays, meals, and other costs while repairs are made. Also called "loss of use" coverage.
- Other structures: Covers structures on your property that aren't attached to the main home — fences, detached garages, sheds, and similar structures.
- Water backup: Covers damage from sewer or drain backups and sump pump failures — one of the most common and costly home claims that standard policies don't cover.
- Scheduled personal property: High-value items like jewelry, art, collectibles, and instruments often exceed standard policy limits. A scheduled endorsement gives them their own dedicated coverage.
- Extended replacement cost: If building costs surge after a major disaster, this ensures your home gets fully rebuilt even if repair costs exceed your policy's dwelling limit.
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Keep Your Policy Active — Why Payments Matter
A gap in coverage can leave your biggest asset exposed
Homeowners insurance is often required by your mortgage lender — but even if it isn’t, letting your policy lapse is a risk no homeowner should take. A single fire, storm, or liability claim without coverage could cost you tens of thousands of dollars out of pocket. And just like auto insurance, a lapse makes you a higher risk to carriers — meaning higher premiums when you try to reinstate.
- Set up autopay through your carrier or escrow account so your policy never lapses accidentally.
- Review annually — as your home's value grows, make sure your dwelling coverage keeps up.
- Call us before you cancel — if cost is the issue, we may be able to find you better rates without dropping coverage.
- Keep a home inventory — document your belongings with photos or video so claims are faster and easier if something happens.