Buying Your First Home in Augusta?

The Augusta real estate market is booming, thanks to Fort Eisenhower and the Cyber Command expansion. Here are five essential insurance tips every first-time home buyer in the CSRA should know.

1. Get Insurance Quotes Before You Close

Most lenders require proof of homeowners insurance before closing. Start getting quotes at least 30 days before your closing date. As an independent agency with 30+ carriers, we can compare rates quickly.

2. Understand What Standard Coverage Includes

A standard HO-3 policy covers your dwelling, personal property, liability, and additional living expenses. However, it does NOT cover floods, earthquakes, or sewer backup without additional riders.

3. Know Your Flood Risk

Even if you are not in a FEMA-designated flood zone, consider flood insurance. 25% of all flood claims come from outside high-risk areas. Properties near the Savannah River are especially vulnerable.

4. Bundle for Savings

Bundling your home and auto insurance typically saves 15-25%. With our 30+ carriers, we find the best bundle rate for your situation.

5. Review Annually

Construction costs rise every year. Make sure your dwelling coverage keeps pace with replacement costs in the Augusta market.

Ready to protect your new home? Call Total Quality Insurance at 706-434-8184 for a free, no-obligation quote.