Ausband chapman Insurance Financial
Personal Insurance
Protect What Matters Most
At Ausband Chapman Insurance, we understand that your home, car, and belongings aren’t just “assets,” they’re part of your life. That’s why our personal insurance solutions are designed to safeguard what you’ve worked hard for, give you peace of mind, and prepare you for the unexpected. We proudly serve families across Georgia with customized coverage options that fit your needs and budget.
Liability Insurance:
Bodily Injury & Property Damage
What it is: Liability insurance protects you if you’re legally responsible for causing bodily injury or property damage to someone else.
How it’s used: If an accident occurs, whether it’s a car crash, someone slipping on your property, or damage you cause to another person’s property, liability coverage helps pay for medical bills, legal fees, and repair costs.
Why it’s important: Without liability insurance, you could be forced to pay these costs out of pocket, which can be financially devastating.
Risk of not having it: Legal claims, lawsuits, and medical expenses can quickly add up to tens or hundreds of thousands of dollars. Without proper coverage, your savings, home, and financial future could be at risk.
Comprehensive & Collision Coverage
What it is: Comprehensive and Collision insurance covers the cost of repairing or replacing your vehicle after a crash, regardless of who’s at fault.
How it’s used: Whether you hit another car, back into a pole, or damage your car in a single-vehicle accident, Comprehensive and Collision coverage helps pay for repairs or replacement.
Why it’s important: Vehicles are a major investment, and even a minor accident can lead to expensive repairs.
Risk of not having it: Without Comprehensive and Collision coverage, you’ll have to pay out-of-pocket for damages to your own vehicle, which could mean thousands of dollars or the loss of your transportation altogether.
Property Insurance:
Protect Your Home & Everything in It
Your home is more than just a building, it’s where life happens. At Ausband Chapman Insurance, we provide customized property insurance solutions to protect your home, belongings, and financial security from life’s unexpected events. Whether you own, rent, or lease property in Georgia, we’ll help you find the right coverage to fit your needs and budget.
Homeowners Insurance
Your home is more than just a building, it’s where life happens. At Ausband Chapman Insurance, we provide customized property insurance solutions to protect your home, belongings, and financial security from life’s unexpected events. Whether you own, rent, or lease property in Georgia, we’ll help you find the right coverage to fit your needs and budget.
Renters Insurance
What it is: Affordable coverage for your personal belongings and liability when you’re renting a home or apartment.
How it’s used: Protects furniture, electronics, clothing, and more from theft, fire, or water damage. Includes liability coverage for accidents you may be responsible for.
Why it’s important: Your landlord’s policy won’t cover your personal property.
Risk of not having it: You could lose everything you own in a single incident without the means to replace it.
Scheduled Property Insurance
What it is: Extra coverage for high-value items not fully protected under standard policies.
How it’s used: Covers jewelry, fine art, collectibles, musical instruments, or other valuable possessions for their full appraised value.
Why it’s important: Many standard policies have dollar limits for certain categories of items.
Risk of not having it: You may receive only a fraction of an item’s value if it’s stolen, lost, or damaged.
Landlord Insurance
What it is: Specialized coverage for property owners renting out homes, apartments, or condos.
How it’s used: Protects the building, liability for tenant injuries, and loss of rental income due to covered damage.
Why it’s important: Standard homeowners insurance won’t cover a rental property.
Risk of not having it: Property damage, tenant-related liability, or lost income could create significant financial strain.
Condo Insurance:
Specialized Protection for Condo Owners
What it is: Condo insurance (HO-6 policy) fills the gap between your condo association’s master policy and your personal needs.
How it’s used: Covers your unit’s interior (walls, floors, fixtures), personal belongings, and liability if someone is injured in your condo.
Why it’s important: Your association’s policy typically won’t cover improvements inside your unit or your personal possessions.
Risk of not having it: You could face large out-of-pocket costs for repairs, replacements, or liability claims not covered by the master policy.
Protect More Than Just Your Possessions.
For many, a condo is a great alternative to living in an apartment or a home, and because it is different, a condo requires its own insurance policy.
With condo insurance from Ausband Chapman Insurance, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability coverage to protect against bodily injury or property damage incidents. And unlike renters insurance, condo insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.
Why Choose Ausband Chapman for Your Property Insurance
At Ausband Chapman Insurance, we don’t just sell policies, we help you choose the right protection for your lifestyle. Our team takes the time to explain your options, identify potential gaps, and make sure you have the right coverage before you need it.
- Local Expertise: We know Georgia’s risks, from coastal storms to local building codes.
- Custom Coverage: Every home and property is unique, so your policy should be too.
- Trusted Carriers: Access to top-rated insurance providers for competitive rates and strong protection.
Call us today or request a free online quote to make sure your home and property are properly protected.
Ready to Simplify Your Insurance?
Take the first step towards comprehensive, stress-free coverage.
Client Reviews
★★★★★
“Great experience. [Ausband Chapman] has been awesome in helping us find the best insurance company for our needs. [Their] follow-through and communication with us through the process has been wonderful. Thank you!“
– D. Piccone
★★★★★
“[Ausband Chapman] has been outstanding in managing my many properties and auto coverage…in the last several years, some of which are quite complicated. [They] look for the very best coverage and costs always. [They are] extremely responsive, professional, courteous, thorough, and I simply couldn’t be more pleased. Thank you!“
– G. A. Young
★★★★★
“Highly recommend them for all your insurance needs!…I was so impressed with [their] professionalism and friendliness, [their] willingness to get me the best deal for my car insurance, my condo policy, and my father’s new condo insurance…I couldn’t be happier! Thank you,…Ausband Chapman Insurance!“
– A. Matei
Contact & Hours
(All Locations)
Monday-Friday: 8:30am-5pm
Saturday & Sunday – Closed
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Locations
Covington
1123 Washington St. SW
Covington, GA 30014
McDonough
8 Macon Street
McDonough, GA 30253
Stockbridge
825 Fairways Ct #200
Stockbridge, GA 30281
Ball Ground
330 Gilmer Ferry Rd.
Ball Ground, GA 30107
Hiram
4250 Atlanta Hwy.
Hiram, GA 30141