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Best Homeowners Insurance Agencies in Augusta

2024

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Providers

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Website
1030 Jimmie Dyess Pkwy 5, Augusta, GA 30909-9158
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Located in Augusta, Drew Creswell is a State Farm insurance agent that helps clients obtain various policies, including home insurance. Through this offering, he can help homeowners protect their properties and personal belongings. He provides home insurance policies that cover property damages caused by freezing plumbing, wind, hail, lightning, or fire. Creswell, who has been an insurance agent since 2014, attends to his clients' concerns 24 hours a day. In addition to insurance products, he offers 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.
5.0
Google
5.0 / 5 (253)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (2)

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

Website
1499 Ellis St, Augusta, GA 30901
  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

The Insurance Center works closely with different insurance carriers to provide custom coverage options in Augusta. Founded in 1960, this firm carries home insurance products and helps homeowners obtain the financial protection that matches their needs. Its insurance agents consider a number of factors, including house size, location, and materials used, in offering applicable insurance quotes. They assist homeowners in mitigating risks associated with personal property, dwelling, and liability damages. Moreover, they guide policyholders on how to minimize potential losses.

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 (267)
Facebook
5.0 / 5 (2)

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.
1.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
202 E Martintown Rd, North Augusta, SC 29841
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Austin Taylor Insurance is an independent insurance agency that assists Augusta residents. The company offers a wide range of insurance solutions including home insurance. Its team of insurance advisors provides clients with policy options that can cover personal property, medical expenses, off-premises theft, and personal injury. The agents also offer coverage options that financially protect collectible cars, jewelry, fine art, and wine collections. Austin Taylor Insurance is a partner of various major insurance providers such as AllState, Safeco, Progressive, 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
4.9 / 5 (32)

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

Website
1901 Walton Way, Augusta, GA 30904
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Whit Blanchard Insurance Group is an Augusta-based insurance agency that has been in the industry since 1975. It offers different kinds of insurance policies that include home, auto, condo, life, motorcycle, boat or watercraft, and flood insurances. Its auto insurance policy covers property damage liability, personal injury protection, uninsured or underinsured motorist, and collision coverage. Whit Blanchard Insurance Group quotes and writes policy with companies like Travelers, State Auto, Safeco, and Progressive.

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 (5)

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

Website
1347 Augusta West Parkway, Augusta, GA 30909
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Sammy Sanders is an Augusta-based insurance specialist for State Farm. Sanders offers numerous insurance products from the company such as home insurance, which financially protects homes from unexpected events such as fire, theft, and vandalism. It also offers coverage for damage caused by hail or wind. Sammy Sanders carries a decade of experience in the insurance industry and can provide insurance policy reviews. His other insurance services include auto insurance and life insurance.

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
4.7 / 5 (53)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • How much does homeowners insurance cost in Augusta?

    On average, homeowners insurance in Augusta will set you back $1,055 per year or around $88 monthly. This figure places the city in the low to mid-range in home insurance rates among the cities in Georgia, as the highest annual insurance rate is $1,436 for Decatur, while Rome has the lowest at $947.

  • Does Augusta require homeowners to have home insurance?

    No. In Augusta and other parts of Georgia, homeowners are not mandated to insure their residential properties. However, if you have a mortgage on your home, there is a high possibility that your lender will require you to get a home insurance policy.

  • What factors determine the rates of a homeowners insurance policy in Augusta?

    Premiums of homeowners insurance in Augusta depend on various factors. These include the area where your house is located or the ZIP code, the size and age of the property, and the average home value in the city. Crime rates and the susceptibility of the area to natural disasters are also considered. Your credit score and previous insurance claims likewise affect the cost of your home insurance.

  • What items or incidents are usually covered and excluded in home insurance policies in Augusta?

    Not all homeowners insurance in Augusta will provide the same coverage. Different policies will likely offer varying levels of protection. That said, standard home insurance is designed to give you financial fallback should your house be damaged in a fire or a storm. Items stolen inside your home are also usually covered. However, most homeowners insurance does not pay for damage caused by your pets or mold. Some other common limitations are high-cost items, such as jewelry, antiques, or fine art.

  • What is the difference between replacement cost and actual cash value in home insurance policies in Augusta?

    Usually, homeowners in Augusta and throughout Georgia can choose if they want to insure their home and belongings for either their actual cash value or their replacement cost. The former, as its name suggests, refers to the amount needed to be able to repair or replace the damage that your house or belongings sustained after depreciation. Meanwhile, replacement cost is the amount needed to replace or rebuild your home or belongings using materials of similar kind and quality. In this option, it does not matter how old or damaged the property is, as depreciation is not factored in the computation.

  • 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.

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