What are the most common Georgia homeowners insurance mistakes?

The five most important things Georgia homeowners get wrong on their coverage are: (1) dwelling coverage set at purchase price rather than rebuild cost, which creates a significant gap after losses due to inflation; (2) no water backup coverage, which is excluded from standard HO-3 but highly claimable in North Atlanta; (3) percentage wind deductibles misunderstood as flat dollar amounts; (4) jewelry sublimits that cap at $1,500 to $2,500 while rings and watches are worth far more; and (5) no umbrella policy despite having significant home equity and financial assets. We address all five in every coverage review.