Auto, Home, Renters & Personal Insurance Disclosure

Higher Power Independent Insurance Agency LLC may offer automobile, homeowners, renters, personal umbrella, dwelling, and other property and casualty insurance products for which the agency and its producers are properly licensed and authorized.

Insurance premiums and coverage options are based on information provided by the applicant and are subject to verification, underwriting, eligibility requirements, insurance-company guidelines, and the terms of the applicable policy.

A quote is an estimate and does not constitute a binder, policy, evidence of insurance, or guarantee of coverage.

Coverage does not become effective solely because a quote has been generated or an application has been started.

Coverage becomes effective only as confirmed by the applicable insurance company or as otherwise provided by the applicable policy or binder.

Policy limits, deductibles, exclusions, endorsements, conditions, discounts, underwriting requirements, and eligibility criteria vary by insurance company and individual circumstances.

Homeowners insurance does not necessarily cover every type of property loss, and automobile insurance does not necessarily cover every type of vehicle loss or liability exposure.

Consumers should review their declarations page, policy, endorsements, exclusions, deductibles, limits, and other policy documents to understand the coverage purchased.

Higher Power Independent Insurance Agency LLC does not represent every property and casualty insurance company or product available in Georgia.