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Best Homeowners Insurance Agencies in Athens

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Arch Partners logo
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License Verified:

License: 18777808

Georgia office of Insurance and Safety Fire Commissioner

Arch Partners

3651 Mars Hill Road, Watkinsville, GA 30677
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  • Condos
  • Renter's Insurance

Business Description

Arch Partners is an independent insurance agency that provides homeowners' insurance services to clients residing in Athens. It connects clients with insurance companies depending on their specific needs. With a combined experience of 111 years, the firm's insurance advisors provide coverage plans for both personal and business usage. These plans help protect consumers in the event of property damage, personal liabilities, and legal fees. They also offer car insurance plans, life insurance plans, and wealth management assistance.

License Verified:

License: 18777808

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (36)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Carl Blount logo
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License Verified:

License: 736146

Georgia office of Insurance and Safety Fire Commissioner

Carl Blount

325 North Milledge Avenue, Athens, GA 30601
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  • Condos

Business Description

Carl Blount is an insurance agent that serves clients in Athens. He has been in the industry for over 15 years and is currently representing American National. He offers a wide range of coverage, including homeowners, life, auto, and business insurance. His homeowners' insurance policy helps clients protect their possessions and other structures in their properties. The policy also includes ID theft protection coverage, medical payments, and personal liability. Carl is a supporter of The Rotary Club of Athens.

License Verified:

License: 736146

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Chastain & Associates Insurance logo
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Chastain & Associates Insurance

272 West Hancock Avenue, Athens, GA 30601
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Chastain & Associates Insurance Agency, Inc. has been delivering insurance solutions to residents and business owners in Athens and nearby communities for more than 100 years. Founded in 1908, the company assists individuals in protecting their homes, personal belongings, and loved ones against disasters, accidents, and unwanted perils with a variety of homeowners insurance policies. Its licensed agents help customers select the best insurance coverage from a wide array of carriers. Other insurance offerings include auto, health, and business packages. Each of its employees has an average of 20 years of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.8 / 5 (21)
Facebook
4.1 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ches Smith - State Farm Insurance Agent logo
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Ches Smith - State Farm Insurance Agent

425 North Milledge Avenue, Athens, GA 30601
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  • Multiple Policy Types

Business Description

Ches Smith is a State Farm insurance agent based in Athens who can help homeowners assess their current policies to see if they meet their coverage needs and tailor State Farm's home insurance products to meet those needs. The licensed agent can also help his clients get insurance with premiums they can afford and assist in filing claims. Additionally, he can discuss other forms of insurance, such as auto and life.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.8 / 5 (19)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ensure All Insurance logo
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License Verified:

License: 203943

Georgia office of Insurance and Safety Fire Commissioner

Ensure All Insurance

635 Hawthorne Avenue, Athens, GA 30606
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  • Landlords
  • Multiple Carriers

Business Description

Ensure All Insurance is a full-service insurance company that assists clients in Athens and nearby areas. The firm helps individuals and families in choosing the right homeowners' insurance plan that can adequately protect their personal properties from losses, damages, theft, and other unfortunate events. Its insurance specialists also offer other types of insurance products, including automobile, life, health, as well as business and commercial insurance. The company has been covering the assets of people and businesses for more than 18 years.

License Verified:

License: 203943

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Larry Baumwald Insurance logo
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Larry Baumwald Insurance

260 North Milledge Avenue, Athens, GA 30601
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Larry Baumwald Insurance has served more than 4,000 residents and businesses in the Athens area for four decades. Its team consists of agents who have extensive knowledge in risk management and financial planning, and can help homeowners in protecting their residential properties. They offer plans that will assist homeowners in recovering financial losses in case of disasters. The independent insurance agency works with various insurance carriers like MetLife, Travelers, AAA, Donegal Mutual, Kemper, and Nationwide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mundy Mill Premier Insurance logo
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Mundy Mill Premier Insurance

3620 Atlanta Highway, Athens, GA 30606
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  • Multiple Policy Types

Business Description

Mundy Mill Premier Insurance is a Georgia-based independent homeowners' insurance agency that has been in operation for more than four decades. The agency helps clients to protect their properties financially against disasters such as earthquakes and floods. It also offers other insurance services, including automobile and motorcycle insurance, and commercial auto insurance. Mundy Mill Premier Insurance currently has multiple offices in the state of Georgia, including Oakwood, Athens, Gainesville, Cornelia, and Winder.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.8 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pachuta Insurance logo
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License Verified:

License: 808540

Georgia office of Insurance and Safety Fire Commissioner

Pachuta Insurance

1031 Village Drive, Watkinsville, GA 30677
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  • Renter's Insurance
  • Multiple Carriers

Business Description

Pachuta Insurance is an independent insurance agency that serves Athens and the surrounding areas. It offers a broad range of personal insurance solutions, including home, renters, life, and auto insurance. The company also offers commercial insurance policies, providing coverage for property, liability, equipment, and workers' compensation. Owner John Pachuta has been in the industry for more than 13 years. He has been married to his wife Alicia for 25 years. Prior to being an insurance agent, John was a school teacher, coach, and youth minister.

License Verified:

License: 808540

Georgia office of Insurance and Safety Fire Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Paul Lavelle - State Farm Insurance Agent logo
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Paul Lavelle - State Farm Insurance Agent

1570 Prince Avenue, Athens, GA 30606
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  • Multiple Policy Types

Business Description

Paul Lavelle, a State Farm insurance agent, provides insurance and financial services to clients in Athens and its surrounding communities. Lavelle started serving the insurance industry in 1996 by assisting clients with various plans like home, property, business, auto, life, and health insurance. He reviews coverages for homeowners' insurance regardless if he's dealing with clients face-to-face or virtually. Clients can also schedule an appointment with Lavelle during off-hours. The other products that he offers include mutual funds and annuities.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stand Guard Insurance Agency logo
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Stand Guard Insurance Agency

753 Bogart Road, Bogart, GA 30622
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  • Renter's Insurance

Business Description

Stand Guard Insurance Agency is a full-service insurance company serving the Athens metro area. The firm assists people in obtaining a homeowners' insurance policy that will protect themselves, their loved ones, and their assets from unforeseen events. The team provides a wide range of coverage options, including dwelling and other structures, personal property, loss of use, personal liability, and medical payments. Personal and commercial lines are also provided by the company. Austin Allmon, the firm's founder and insurance agent, has been serving clients since 2013.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs