It’s really cool when a location scout for a film knocks on your door in Grant Park and says she wants to bring in a film crew to shoot inside your house. Lots of Atlanta homeowners are flattered and say yes. But not calling their home insurance agent first can be problematic.
How So Many Atlanta Homes End Up in Movies and TV Shows
Georgia maintains a public list of houses that film companies use to find good locations. As a homeowner, you can add your own home to it. That’s a big reason why Atlanta streets in Cabbagetown, Druid Hills, and Inman Park keep showing up on the big screen and small screens.
A shoot is a lot bigger than most people picture. You’ve got big trucks out front and cables running all through your house. And you may have furniture sitting outside for days.
Your GA Home Insurance Policy Treats This Like a Business
Home insurance policies have their own definition of a business. And it’s a lot wider than most people realize. When you rent your home or property out to someone else, your insurance carrier probably sees that as a business. Whether it’s one time or every month
Your home insurance policy probably doesn’t cover a claim that comes out of a result of a business you’re running. If a crew member happens to fall going down your basement, you could be on your own covering their medical bills.
The Film Company’s Insurance Won’t Cover Everything
Before the cameras ever start rolling, the film company hands you paperwork that proves they have insurance. At Rob Hill Insurance Group, we’re going to want to look at that paperwork. It’s real coverage. But it only kicks in if a crew member does something wrong
A wall can get scuffed and nobody notices it. That problem can turn up after the trucks and cameras are gone. You’ve got useless paperwork at that point.
Call Us Before You Sign a Location Agreement in GA
Insurance companies deal with this differently from one to the next. Some carriers will add something to your current home insurance policy. Others may want a separate one. You won’t know for sure what you’ve got until someone goes over your policy with you.
Rob Hill Insurance Group can take a look at your policy to make sure you’ve got the home insurance coverage you need for this eventuality.