Homeowners Insurance That’s Built Around Real Life
Protection for your home, belongings & peace of mind.
Whether it’s your first house or your forever home, Mallory helps you cover what matters—with policies that reflect how you live.
Coverage You Can Rely On
Your home is more than a structure—it’s your foundation. We build homeowners insurance policies that cover your property, personal liability, and unexpected losses like fire, theft, or storm damage. From plan design to claims support, our advisors help you choose coverage that keeps you protected and prepared.
What Does Homeowners Insurance Cover?
Dwelling Coverage
Pays to repair or rebuild your home after a covered event.
Dwelling coverage is a crucial part of a homeowners insurance policy. It's designed to protect the physical structure of your home and anything permanently attached to it.
Personal Property
Covers your belongings, like furniture, electronics, and clothing.
Personal property coverage, also known as contents coverage, is a key component of a homeowners, renters, or condo insurance policy. While dwelling coverage protects the physical structure of your home, personal property coverage safeguards the "stuff" inside it – essentially, anything that isn't permanently attached to the building.

Imagine picking up your home, turning it upside down, and shaking it. Everything that falls out is generally considered your personal property!
Liability Protection
Helps cover legal and medical costs if someone is injured on your property.
Without adequate liability coverage, a significant lawsuit could put your personal assets (savings, investments, even your home) at risk. It helps prevent you from paying out-of-pocket for costly medical bills, legal fees, and judgments.
Additional Living Expenses (ALE)
Pays for hotel stays or rentals if your home becomes temporarily uninhabitable.
Think of it this way: if your home becomes uninhabitable because of a fire, a severe storm, or another event covered by your insurance, ALE coverage steps in to help you maintain your normal standard of living while your home is being repaired or rebuilt.
Other Structures
Includes fences, sheds, and detached garages on your property.
By having adequate Other Structures Coverage, you ensure that the various buildings and fixtures on your property are protected in the event of a covered loss, preventing potentially significant out-of-pocket expenses.
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Who Needs Homeowners Insurance?
If you own a home—mortgaged or paid off—insurance is essential. It protects you financially from damage, lawsuits, and major losses. We help:
First-time homebuyers
Long-time homeowners
Vacation & secondary home owners
Clients bundling home, auto & umbrella coverage
What Sets Mallory Apart
Strategic Policy Design
We tailor coverage limits, deductibles & endorsements to your specific home.
Responsive, Local Advisors
We serve clients across Georgia & Alabama with fast answers & personal guidance.
Claim Support When It Counts
We help you navigate repairs, documentation & adjusters during stressful times.
Bundling Made Easy
We help you save by packaging home coverage with auto, umbrella & more.
Common Questions About Homeowners Insurance
Is homeowners insurance required by law?
No, but it’s typically required by lenders—and strongly recommended even if your home is paid off.
What does a standard policy not cover?
Floods, earthquakes & certain types of water damage require separate policies or endorsements.
How much coverage do I need?
We recommend enough to rebuild your home at today’s construction costs—not just market value.
Can I change my coverage later?
Absolutely. We review policies regularly & adjust as your needs change.