Homeowners Insurance

Homeowners insurance helps protect your home from many common types of damage, but it doesn’t cover everything. Flooding, earthquakes, normal wear and tear, pest damage, and maintenance-related issues are typically not covered. If you’re unsure whether your home needs additional protection, the team at Goss Insurance can help you explore your options.

The price of homeowners insurance depends on things like where your home is located, how old it is, how it’s built, its size, and how much it would cost to rebuild. Your deductible, past insurance claims, local weather, and rebuilding costs in the Hixson and Chattanooga area can also affect the price. Comparing policies can help you find one that fits both your needs and your budget.

Your homeowners insurance helps pay to repair or rebuild the main structure of your house if it’s damaged by something your policy covers. This includes your roof, walls, floors, and any attached garage. It’s a good idea to review this amount every few years so it keeps up with today’s construction costs.

Many homeowners policies include replacement cost coverage, which helps pay to replace damaged items with new ones of similar quality instead of paying only what the old items were worth after years of use. This can make it much easier to recover after a loss.

In many cases, yes. Your homeowners insurance also helps protect detached structures like garages, sheds, fences, and gazebos. Every policy is different, so it’s worth checking to see exactly what’s included.

If your home is damaged and you can’t safely live there while it’s being repaired, your homeowners insurance may help pay for extra expenses like a hotel, restaurant meals, and other necessary living costs until you’re able to move back in.

Yes. Most homeowners insurance policies help pay to replace belongings that are stolen from your home. Many policies also provide some protection if your belongings are stolen while you’re away from home. If you own valuable jewelry, collectibles, or other expensive items, ask your Goss Insurance agent whether they need additional protection.

Yes. Remodeling your kitchen, finishing a basement, adding a room, or building a detached garage can increase the cost to rebuild your home. Let your insurance agent know about major improvements so your policy can be updated if needed.

Most homeowners insurance policies help protect everyday belongings like furniture, clothing, electronics, and appliances if they’re damaged or stolen because of a covered event. Some high-value items, such as jewelry, collectibles, or firearms, may need extra protection.

At Goss Insurance, we believe homeowners insurance should be easy to understand. As a local independent agency serving the greater Chattanooga area, Southeast Tennessee, and North Georgia, we compare options from multiple insurance companies to help you find the right protection at a competitive price. Whether you’re buying your first home or simply have questions about your current policy, we’re here to help.