{"id":8272,"date":"2023-08-07T16:19:00","date_gmt":"2023-08-07T16:19:00","guid":{"rendered":"https:\/\/veloxinsurance.com\/?p=8272"},"modified":"2024-02-02T19:37:45","modified_gmt":"2024-02-02T19:37:45","slug":"homeowners-insurance-in-lithonia-georgia","status":"publish","type":"post","link":"https:\/\/veloxinsurance.com\/blog\/homeowners-insurance-in-lithonia-georgia\/","title":{"rendered":"Your Ultimate Local Guide to Shopping for Homeowners Insurance in Lithonia, GA"},"content":{"rendered":"\n<p>With its rich history, scenic parks, and tight-knit community, you&#8217;re excited to call Lithonia home. If you own a home here, you already know about the importance of homeowners insurance. Shopping for affordable <a href=\"https:\/\/veloxinsurance.com\/home-owners\/\" target=\"_blank\" rel=\"noreferrer noopener\">homeowners insurance<\/a> in Lithonia can be a daunting task, especially if you&#8217;re doing it for the first time. But don\u2019t worry \u2013 it\u2019s easier than it looks!&nbsp;<\/p>\n\n\n\n<p>You\u2019ll learn about how to protect your home, your belongings, and your personal finances, as well as the \u201cwhy\u201d behind each coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Homeowners Insurance?<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Imagine the excitement you feel as a new homeowner in Lithonia as you plant azaleas in your backyard near Arabia Mountain. The next day, unfortunately, you witness a hailstorm that damages your landscaping and roof.&nbsp;<\/p>\n\n\n\n<p>That&#8217;s where homeowners insurance steps in! It&#8217;s not just about protecting your investment; it&#8217;s about ensuring that no unexpected event takes away the joy of living in beautiful Lithonia.&nbsp;<\/p>\n\n\n\n<p>Homeowners insurance typically <a href=\"https:\/\/veloxinsurance.com\/what-should-i-look-for-when-buying-homeowners-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">covers<\/a> the following types of situations:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Damage to your home and other structures like sheds&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Damage to your personal property and possessions within your home (\u201cproperty protection\u201d)&nbsp;<\/li>\n\n\n\n<li>Personal liability insurance to cover guest injuries&nbsp;<\/li>\n\n\n\n<li>Funding for temporary living accommodations due to a natural disaster (usually known as a \u201ccovered disaster\u201d)&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Choosing Your Coverage<\/strong>&nbsp;<\/h2>\n\n\n\n<p>First things first. Determine your need for the various types of coverage options available, like dwelling coverage, personal property coverage, liability coverage, etc.&nbsp;<\/p>\n\n\n\n<p>Talk to your neighbors and understand the common issues faced by Lithonia homeowners.&nbsp;<\/p>\n\n\n\n<p>You live in a city with a rich history. So, if you own a charming but older home, consider coverage for system replacements; especially if your home inspection uncovered signs of wear and tear that might need maintenance in the future.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Work with a Local Agent<\/strong>&nbsp;<\/h2>\n\n\n\n<p>A good agent goes a long way toward getting you the best possible deal on your new policy. On top of that, a great agent will take the time that\u2019s needed to better understand your home and the types of coverage that make the most sense for your specific situation.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><picture><source srcset=\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1.webp 730w,https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1-300x171.webp 300w,https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1-281x160.webp 281w,https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1-563x320.webp 563w,https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1-246x140.webp 246w\" sizes=\"(max-width: 730px) 100vw, 730px\" type=\"image\/webp\"><img src=\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1.webp\" height=\"415\" width=\"730\" srcset=\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1.webp 730w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1-300x171.webp 300w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1-281x160.webp 281w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1-563x320.webp 563w, https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/08\/shutterstock_2037574163-1-246x140.webp 246w\" sizes=\"(max-width: 730px) 100vw, 730px\" class=\"wp-image-8791 sp-no-webp\" alt=\"Young bi-racial couple finds affordable home insurance in Lithonia GA.\"decoding=\"async\" loading=\"lazy\"  > <\/picture><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Hunt for Discounts<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Who doesn&#8217;t love a good discount? Ask about bundled discounts if you&#8217;re getting your car insurance from the same provider. If you&#8217;ve recently renovated your home or installed security systems, you may qualify for a discount as well.&nbsp;<\/p>\n\n\n\n<p>Remember, every dollar saved on home insurance rates is a dollar you can spend at the Lithonia Farmers Market!&nbsp;<\/p>\n\n\n\n<p>Some of the more common discounts include:&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Multiple Policy<\/strong>: This discount saves you money when you combine many types of policies under the same carrier.&nbsp;<\/li>\n\n\n\n<li><strong>Full Payment<\/strong>: If you pay in full each year, your insurer may give you a discount compared to paying periodically throughout the year.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Loyalty<\/strong>: Long-term customers may enjoy additional discounts, especially if you\u2019ve been claim-free for the duration of your policy.&nbsp;<\/li>\n\n\n\n<li><strong>Claim-Free<\/strong>: Low-risk homeowners who have not filed a <a href=\"https:\/\/veloxinsurance.com\/when-should-i-file-a-home-insurance-claim\/\" target=\"_blank\" rel=\"noreferrer noopener\">claim<\/a> in the past year may receive a discount on their premiums.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Understand Your Deductible<\/strong>&nbsp;<\/h2>\n\n\n\n<p>In case of a claim, the deductible is the amount you pay out of pocket before your insurance kicks in. A higher deductible means lower premiums, but can you afford to pay that amount in case of a disaster? Strike a balance here.&nbsp;<\/p>\n\n\n\n<p>Your agent can help you determine what makes the most sense given your financial situation.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Customer Service and Claims Process<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Imagine needing urgent help after a storm, and you&#8217;re left on hold for hours! Check reviews and ask around about the company&#8217;s customer service and claims process. Remember, good service is as essential as the coverage itself.&nbsp;<\/p>\n\n\n\n<p>After all, the last thing you want to deal with is a surly claims agent after a tree has fallen on your home. Don\u2019t overlook how important this aspect can be when choosing who to work with!&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The &#8220;Extra&#8221; Coverages<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Some events like floods or earthquakes may not be covered in your <a href=\"https:\/\/veloxinsurance.com\/is-your-home-insurance-policy-good-enough\/\" target=\"_blank\" rel=\"noreferrer noopener\">standard policy<\/a>. Given the proximity to the Lithonia Quarry, it&#8217;s wise to consider additional coverages if necessary.&nbsp;<\/p>\n\n\n\r\n<div class=\"c-section\" id=\"get-callout-block_53fb2b4a62e10e81f95b2e1539ac4cd7\">\r\n        <div class=\"c-get-callout\">\r\n                            <h2 class=\"c-section__title c-section__title--blue\">Get Affordable Lithonia Homeowners Insurance Today <\/h2>\r\n                                        <div class=\"o-component s-cms-content s-cms-content--center\">\r\n                    <p>So, fellow Lithonia dwellers, don\u2019t consider homeowners insurance as a legal requirement, but as a way to protect and value what makes this city so special \u2013 your home.<\/p>\n<p>To get started with your homeowners insurance quote, call\u00a0<a href=\"tel:1-855-468-3569\"><span class=\"white-space\">855-468-3569<\/span><\/a>, go\u00a0<button class=\"js-quote-modal-button\"><span>online<\/span><\/button>, or come into your local\u00a0<a href=\"https:\/\/locations.veloxinsurance.com\/lithonia-ga-30038\">Lithonia office<\/a>!<\/p>\n                    \r\n                <\/div>\r\n                                                            <ul class=\"o-component o-list-bare c-get-callout__list\">\r\n                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\r\n                                <button class=\"c-get-callout__link js-quote-modal-button\" aria-expanded=\"false\" aria-controls=\"modalQuote\">\r\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/06\/Group-625427.svg\" alt=\"Computer screen.\" width=\"80\" height=\"80\" aria-hidden=\"true\">\r\n                                        <div class=\"c-get-callout__text\">Quote online<\/div>\r\n                                    <\/button>\r\n                            <\/li>\r\n                                                                                                                                                        <li class=\"o-list-bare__item c-get-callout__item\">\r\n                                <a class=\"c-get-callout__link\" href=\"tel:1-855-468-3569\">\r\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/06\/Group-625577.svg\" alt=\"Hand holding a phone.\" width=\"80\" height=\"80\" aria-hidden=\"true\">\r\n                                    <div class=\"c-get-callout__text\">Over the phone<\/div>\r\n                                <\/a>\r\n                            <\/li>\r\n                                                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\r\n                                <a class=\"c-get-callout__link\" href=\"https:\/\/locations.veloxinsurance.com\/\">\r\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/06\/Group-625579.svg\" alt=\"Two hands approaching.\" width=\"80\" height=\"80\" aria-hidden=\"true\">\r\n                                    <div class=\"c-get-callout__text\">Visit us<\/div>\r\n                                <\/a>\r\n                            <\/li>\r\n                                                                                                    <\/ul>\r\n                                    <\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"<p>With its rich history, scenic parks, and tight-knit community, you&#8217;re excited to call Lithonia home. If you own a home here, you already know about the importance of homeowners insurance. Shopping for affordable homeowners insurance in Lithonia can be a daunting task, especially if you&#8217;re doing it for the first time. But don\u2019t worry \u2013 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8832,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/8272"}],"collection":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=8272"}],"version-history":[{"count":9,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/8272\/revisions"}],"predecessor-version":[{"id":10230,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/8272\/revisions\/10230"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media\/8832"}],"wp:attachment":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=8272"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=8272"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=8272"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}