Call Us 706-356-8884 ☰ ˟
Logo
Call Us 706-356-8884
  • Home
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
      • Community Involvement
      • Winter Safety Tips
    • Personal ProductsImage of right arrow
      • Home & Auto Insurance
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Accident Forgiveness
        • Roadside Assistance
        • Specialty Auto Insurance
        • Towing
        • Rental Reimbursement
        • Medical Payments Coverage
      • Home InsuranceImage of right arrow
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Other Personal InsuranceImage of right arrow
        • Identity Theft
        • Personal Umbrella Insurance
        • Data Backup
      • Farm InsuranceImage of right arrow
        • Crop Insurance
        • Farm Owners Insurance
        • Farm Livestock Insurance
        • Equine Insurance
        • Farm Equipment Insurance
        • Farm Dwelling Insurance
        • Farm Structures Insurance
        • Farm Auto Insurance
        • Farm Umbrella Insurance
        • Farm Liability Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Group Life Insurance
        • Long-Term Care Insurance
        • Mortgage Protection Insurance
        • Disability Insurance
        • Second-To-Die Policy
        • Key Person (Key Men) Insurance
      • Health InsuranceImage of right arrow
        • Individual & Family Health Insurance
        • Group Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Long-Term Care Insurance
        • Temporary Health Insurance
        • Supplemental Insurance
        • Disability Insurance
      • Recreational Vehicle InsuranceImage of right arrow
        • Boat Insurance
        • Motorcycle Insurance
        • Motorhome Insurance
        • ATV Insurance
      • Additional Insurance ServicesImage of right arrow
        • Special Event Insurance
        • Other Services
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Accounting Firm Insurance
        • Alarm Contractors Insurance
        • Insurance for Arborists
        • Construction Insurance
        • Consulting Firm Insurance
        • Specialty Trade Contractors Insurance
        • Craft Brewery Insurance
        • Educational Facility Insurance
        • Financial Institution Insurance
        • Healthcare Facility Insurance
        • Healthcare Practice Insurance
        • Law Firm Insurance
        • Life Science Insurance
        • Limousine Services Insurance
        • Livestock Insurance
        • Maintenance Contractors Insurance
        • Manufacturing Insurance
        • Maritime Employers Insurance
        • Media & Advertising Insurance
        • Orthotics & Prosthetics Insurance
        • Pool & Spa Insurance
        • Printers & Publishers Insurance
        • Railroad Contractors Insurance
        • Real Estate Businesses Insurance
        • Retail Insurance
        • School Bus Contractors Insurance
        • Scrap Metal Insurance
        • Security Guards Insurance
        • Self-Storage Insurance
        • Septic Contractors Insurance
        • Specialized Truck Equipment Insurance
        • Technology Services Insurance
        • Tow Trucks Insurance
        • Water Well Drillers Insurance
      • Coverage for Your BusinessImage of right arrow
        • Leave Management
        • Loss Control Insurance
        • Marine Insurance
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Inland Marine Insurance
        • Professional Liability
        • Workers Compensation
        • Bonds
        • Fidelity Bonds
        • Surety Bonds
      • Coverage for Your EmployeesImage of right arrow
        • Small Business Retirement Plans
        • Employer-Sponsored Retirement
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Retiree Health Coverage
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
    • Our Providers
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Accident Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Consulting Services
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Leave Management
      • Loss Control Insurance
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
      • Bonds
      • Fidelity Bonds
      • Surety Bonds
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
  • Contact Us
    • Lavonia Office
    • Habersham County Office
    • Cornelia Office
    • Elberton Office
    • Hartwell Office
    • Jefferson Office
    • Toccoa Office
    • Washington Office
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Farm Icon

Farm Owners

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Homeowners Insurance - Lavonia GA & Toccoa GA - Franklin Insurance Agency, Inc.

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Quote Form

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Property Loss Claim Form
Request Evidence of Insurance

Homeowners Insurance Information

Home Insurance in Jefferson, Cornelia, and Washington, GA


Buying a home is a major investment. Over the years, add in maintenance costs, possessions and upkeep, and you have a costly investment.  

Homeowners insurance, also known as home insurance, is a form of property insurance policy that provides coverage for a private residence. A homeowners policy typically covers losses and damages to your personal residence, as well as furnishings and other assets within your home.  

If you harm someone else or damage their property, homeowners liability insurance can compensate them. Coverage often pays for incidents on or off your property. 

Most mortgage lenders will require a homeowners insurance policy. 

What does home insurance cover? 

As mentioned earlier, homeowners liability is just part of a comprehensive homeowners insurance plan. Other important areas of coverage include: 

  • Structure protection: Insures your house, garage and often detached buildings on the property. Often provides coverage in case of damage from fires, weather, theft or other hazards. 

  • Possessions insurance: Pays for damaged belongings. Protection might cover everything from food in the pantry to computer systems. 

  • Liability coverage: Additional expense protection: Do you need to move out temporarily after an accident? Let this coverage reimburse you for expenses such as dining or hotel bills. 


Your homeowners insurance policy may not cover flood or earthquake damage. Talk with your insurance agent about these types of coverage. 

Are all kinds of home insurance alike? 

Your home is unique, from its shape and size, to the materials used to build it. In addition, your possessions have wide-ranging values. Any loss is costly, so you’ll want to maximize your benefits.  

  • Ensure you have enough structure protection to rebuild the home. Keep in mind, the construction value differs from the cost to buy a new home. 

  • Ask your insurance agent to adjust your possessions coverage to match the full value of your belongings as closely as possible. That way, you’ll have fewer limitations when making a claim. Keep in mind, some policies will limit how much they pay per item. 

  • Your policy likely includes a deductible on damage. It’s a good idea to take as high a deductible as you can manage—this may lower your premium cost


Homeowners coverage is critical to your overall financial well-being. Having a policy means you don’t have to pay for covered home damage in-full, out of pocket. 

Contact Us Today!
888-898-4950

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

125484 Augusta Road PO Box 770
Lavonia, GA 30553

Ph: 706-356-8884
Toll Free: 888-898-4950
inquiries@franklininsuranceinc.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder