Confusion-Free Home Insurance
Get a full walkthrough of every possible option to cover your home, without any hassle. We take the time to explain everything, and we stick around for the long haul.
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You and your home are unique, and you deserve homeowners insurance that tailors to your life's reality. Peachy is based in Atlanta, and we know the south and all its quirks. We'll walk you through, take the time to listen, and give you a no-hassle recommendation.
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Get a quote today and join 10K+ happy households under the protection of Peachy Insurance. With over 2,600 positive reviews and 4.9 stars on Google, we're serious when we say that service is our top priority.
BECOME PEACHY PROTECTED6 Coverages Included in Every Home Insurance Policy (and the Catches No One Tells You About)
The House Itself
Covers rebuilds or repairs of the physical structure of your home after a covered loss, which is where a lot of confusion comes from when agents don't take the time to explain. Also, where some people get tripped up is how settlements work, which all depends on thing like endorsements that you add to your policy or specifications you pick like actual cash value versus replacement cost. We walk you through it all.
Other Structures
Covers structures on your lot that are separated from the house, like detached garages, fencing, gazebos, guest houses, or in-ground pools. But some things aren't included, like landscaping or structures used for business purposes. One watchout: limits are typically set to 10% of your house's coverage, unless you raise it, which is something some companies don't even tell you. Peachy reviews all of your options without pressure so you can decide.
Your Belongings
Personal property inside your home is covered, and sometimes (depending on the policy) anywhere your belongings go in the world. It does not cover everything, for instance not vehicles or animals. The catch that bites a lot of people is the sub-limits. Things like valuables might be capped, and you need other coverage to ensure those are protected at full value. A Peachy agent can make sure all of your property is truly covered.
Loss of Use
This coverage is designed to pay your additional living costs while your home is uninhabitable from a covered loss. However, it does NOT cover your normal ongoing expenses, which leaves a lot of people feeling tricked. For instance, if your normal grocery bill is $800/month, and you end up spending $1,200/month on eating out, you're only covered for that extra $400. We can talk you through your options.
Personal Liability
Meant to cover bodily injury and property damage you are legally responsible for, plus the cost of defending you. Does not cover some things, such as injury to a regular resident of the household or home business activities--these require other coverages. One easy and cheap improvement to this coverage is to increase the default limit, which is usually only $100-$500K. That's especially recommended for growing families with assets.
Medical Payments to Others
Pays modest medical bills for a guest injured on your property, no fault required. The key here, and what separates it from Personal Liability, is that it's small and doesn't require establishing legal liability to be a covered claim. For instance, say a neighbor kid needs stitches after tripping on your back steps. Under this coverage, the policy simply pays the emergency room bill with no finding of fault and no admission of liability.
Everything Your Policy Covers Happening
Home policies actually don't work off a list of approved events. They cover your home, everything else on your property, and what you keep inside for any sudden accident that is not specifically excluded. But these events are the ones we see come up most in covered claims. Limits and conditions apply to all of them, and we will go through yours line by line before you sign anything.
How Much Does Home Insurance Cost?
There is no sticker price for home insurance. Two houses on the same street can pay very different amounts, and the reasons vary. Some of them you can change, and some of them you choose. And some of them just come with the address. We go through all of it with you.
5
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Team Members
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Satisfied Customers
4.9/5
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Home Insurance You Can Actually Rely On
We're not just an insurance agent. We're your long-term partner in protecting the things that matter most to your family.
Claims Service That Cares
We hold your hand through the whole claims process: File > Inspection > Estimate> Repairs > Payment. We'll even advise you when to file versus not file, and what to expect.
A Home Policy for You, Not Just Anyone
We get to know you and what you need before we ever pitch you. Every family, every home, and every policy is different, and you deserve special care.
Local Expertise - Georgia, Tennessee, and the Rest of the South
Our agents know this area like the back of their hand. You'll always be consulting with a local expert, who knows all of the south's quirks, regulations, and special needs.
Homeowners Insurance Terms, Explained
A few terms come up in every home policy conversation. Here is what they mean in plain language.
Dwelling Coverage
This Is The Portion Of Your Homeowners Insurance Policy That Covers The Structure Of Your Home.
Personal Property Coverage
This Is The Portion Of Your Homeowners Insurance Policy That Covers Your Personal Belongings.
Liability Coverage
This Is The Portion Of Your Homeowners Insurance Policy That Provides Protection If Someone Is Injured On Your Property.
Replacement Cost Coverage
This Is Coverage That Helps Pay To Repair Or Replace Your Home Or Belongings Without Deducting For Depreciation.
Actual Cash Value Coverage
This Is A Type Of Homeowners Insurance That Covers The Cost Of Rebuilding Your Home Minus Depreciation.
Deductible
This Is The Amount You Will Pay Out-Of-Pocket Before Your Insurance Policy Kicks In.
Premium
This Is The Amount You Will Pay For Your Homeowners Insurance Policy.
Policy Limit
This Is The Maximum Amount That Your Homeowners Insurance Policy Will Pay Out.
4 Locations, Always Just A Call Away
Our home is the southeast. While we're also licensed in and proudly serve Alabama, Arkansas, and Mississippi, we have four locations throughout Georgia and Tennessee.
Simplified Protection Our Hassle-Free Insurance Process
Where Your Peace Of Mind Is Our Priority. We Understand That Finding The Right Insurance Coverage Can Be Overwhelming, Which Is Why.
What Customers Say on Google
Unedited reviews from our Google Business Profile. Read all of them there.
2nd year with Peachy, and they're very client-focused. They reached out to conduct a coverage review, and I spoke with Frankie, who was great at pointing out the pros & cons of different options in a no-pressure approach.
Yumna Ali
Very informative and helpful. Also helped me add an extra service to my new vehicle that will help incase i ever get total out👊🏾
Livingston Lewis
The agent was very helpful and very knowledgeable about my situation and my concerns and took time to explain everything
Lavander Hines
Answers To Important Home Insurance Questions
Here are just some of the most frequently asked questions we receive about homeowners insurance, with some brief answers. Don't see your question answered here? We're only a call away and happy to advise at any time.
