Hazard Insurance

Hazard Insurance

Hazard Insurance comes in many forms.

Hazard Insurance comes in many forms. Coverage for Smoke, Fire, Wind, and Hail are just basic hazards we write Hazard Insurance. Hazard insurance is also known as term such has Home, Condo, Property, Vacant Home, Builders Risk, Renters, Association, Apartments insurance solutions. Other terms for Hazard insurance include DP1, DP2, DP3, HO3, HO4, HO5, HO10, HO6 and there are more of those designations too.

Most homeowners are looking for hazard insurance that includes terms like “Special” and “Replacement”


Most homeowners are looking for hazard insurance that includes terms like “Special” and “Replacement” while many investors are looking for “Agreed Value” or “Actual Cash Value”. 
With all of these terms, the struggle then includes your deductible. 1,000.00 hazard insurance deductible is most common while renters insurance (HO4) can be as low as a $500.00 deductible. Many investors are choosing $2,500 deductible to maximize cash flow and knowing that unless it is a catastrophe they will not be making a claim.
Hazard insurance can look confusing but working with America Insurance Brokers the process becomes a bit more clear. No pre-canned solutions. Just solutions that meet your needs and expectations.

Thank you for giving us a look. Call us for ways we can serve you.

Johns Creek- 678-648-1900 Savannah- 912-225-6000


Thank you!!!

Paul Locke

Agency Owner

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