Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

Home Insurance Solutions in Savannah, GA

Welcome to Good Samaritan Insurance, your premier source for Savannah GA home insurance. Nestled in the heart of Savannah, we understand the unique insurance needs of our local community. Whether you own a historic downtown property or a suburban family home, we're here to provide you with the protection you deserve.
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Understanding Home Insurance in Savannah:
Home insurance in Savannah, GA, is an essential safeguard for your most valuable asset - your home. It offers financial protection against unexpected events like natural disasters, theft, or accidents. In a city known for its rich history and natural beauty, ensuring your home is well-protected is not just a necessity, it's peace of mind for you and your family.

Why Choose Us for Your Home Insurance Needs?
Choosing the right home insurance provider in Savannah can be challenging. With Good Samaritan Insurance, you're not just choosing a policy; you're choosing a partnership. We offer some of the most affordable home insurance in Savannah, GA, without compromising on coverage quality. Our plans are tailored to meet the diverse needs of Savannah homeowners, offering extensive coverage options at competitive prices.

Our Home Insurance Offerings:
Our home insurance policies are designed to provide comprehensive protection for your home, personal property, and liability. We believe in offering the best home insurance in Savannah, GA, which includes:
  • Dwelling coverage to protect the structure of your home
  • Personal property coverage for your belongings inside the home
  • Liability protection to safeguard against legal claims
  • Additional living expenses coverage if your home is temporarily uninhabitable
  • Options for additional coverage, such as flood insurance, given Savannah's coastal location

Personalized Homeowners Insurance Quotes:
Every homeowner in Savannah has unique needs. That's why we offer personalized homeowners insurance Savannah GA quotes. You can easily get a quote that reflects your specific situation, ensuring you only pay for what you need.

Get Started with Your Home Insurance Policy Today:
Protecting your home in Savannah doesn't have to be complicated. With Good Samaritan Insurance, you can rest assured that your home is in good hands. Get your personalized home insurance quote today and experience why we're known for providing the best home insurance in Savannah, GA.
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Call us at (912) 712-3320 or visit our website to start your journey toward complete home protection.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3). The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered. A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.

    Contact us to learn more about the right homeowners insurance for you.
(912) 712-3320
407 E. Montgomery Crossroads
Suite A
Savannah, GA 31406​
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