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Best Homeowners Insurance Agencies in Columbus

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A-1 Auto Insurance logo
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A-1 Auto Insurance

3603 Victory Drive, Columbus, GA 31903
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  • Multiple Policy Types

Business Description

A-1 Auto Insurance has been providing personal and commercial insurance solutions to residents and business owners in Columbus for more than two decades. The company assists homeowners in insuring their residential properties against property damages, lost personal belongings, and injury liabilities. Its licensed agents also provide customized insurance solutions covering automobiles, motorcycles, recreational vehicles, boats, and commercial establishments. The company represents both small and top-rated insurance companies. It also serves clients throughout the tri-state area.

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 (49)

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
Aaron Warren - State Farm Insurance Agent logo
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Aaron Warren - State Farm Insurance Agent

4931 14th Ave, Columbus, GA 31904-5920
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Aaron Warren is a State Farm insurance agent who offers homeowners insurance to clients in Columbus. He helps clients protect their assets from damages caused by natural disasters and accidental causes. He guides them through the process of acquiring and managing their home insurance policies. He recommends insurance coverages that can address the client's needs. He also handles claim filing and insurance payments. Other insurance products that Aaron Warren offers include auto, business, life, and health.

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 (275)
Facebook
5.0 / 5 (12)

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
Capparelle's Insurance logo
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Capparelle's Insurance

3902 Hamilton Rd, Columbus, GA 31904
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Capparelle's Insurance is a team of insurance professionals located in Columbus. The agency assists clients with various insurance products, including home insurance. It offers home insurance policies for clients with different credit scores and clients with and without credit claims. The company also provides home insurance for new homeowners. Additionally, the professionals at the agency also offer renters' and commercial insurance policies. The family-owned and -operated business has been in service since 1983.

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
4.7 / 5 (70)

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
Culpepper Insurance Agency Inc logo
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Culpepper Insurance Agency Inc

5510 Veterans Parkway, Columbus, GA 31904
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  • Condos
  • Multiple Policy Types
  • Renter's Insurance
  • Multiple Carriers
  • Flood

Business Description

Culpepper Insurance Agency Inc is a Georgia-based insurance firm serving clients in Columbus and the surrounding areas. It specializes in homeowners insurance policies inclusive of property coverage, liability, medical expenses, personal property, and living expenses. It offers home insurance plans for family homes, beach homes, rental dwellings, secondary residences, vacation homes, and high-value homes. Clients can also obtain a wide variety of insurance products, such as personal umbrellas, individual annuities, business owners' policies, bonds, and EPLI 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 (12)

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
Kite Insurance Agency logo
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Kite Insurance Agency

1656 S Lumpkin Rd, Columbus, GA 31903
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  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Kite Insurance Agency is a Columbus-based insurance agency operating and providing financial assistance since 1984. The company's agents help residential clients to file for home insurance policies and avail other insurance products depending on their needs. The team is also available for any financial or insurance consultation when clients need professional assistance. For the past 30 years, the business has been handling insurance matters and offering coverages for condo, rent, automobile, flood, personal watercraft, and business.

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.
4.4
Google
4.3 / 5 (47)

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
Lovern Insurance Agency logo
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Lovern Insurance Agency

4507 Armour Road, Columbus, GA 31904
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Lovern Insurance Agency is an independent insurance agency started by Randy Lovern, an insurance agent. It provides services in homeowners insurance which covers the protection of a home from loss, wind, fire, vandalism, and tornadoes. It also covers personal belongings from theft, and personal liability. It provides for the living expenses for temporary housing following a disaster and also includes medical costs for injured non-residents. Its other services include renters, boat, motorcycle, and mobile home 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.
5.0
Google
5.0 / 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
Proverb Insurance Agency logo
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Proverb Insurance Agency

5964 Veterans Pkwy, Columbus, GA 31909
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Proverb Insurance Agency is an insurance company that provides homeowners' insurance in Columbus. It offers financial protection against situations at home that would involve fire, theft, vandalism, or falling objects. The company's in-depth knowledge of insurance products and guidelines allows them to choose the suitable insurance policy for each home. It also provides other personal insurance like life insurance, renters insurance, auto insurance, and high net worth insurance. Customers have expressed satisfaction with the coverage and insurance policies they received from the company.

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 (119)
Facebook
5.0 / 5 (41)

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
Ragan Insurance Agency Inc. logo
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Ragan Insurance Agency Inc.

4511 Armour Road, Columbus, GA 31904
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Ragan Insurance Agency Inc. is an independent insurance agency with locations in Columbus and LaGrange. The agency, which was established more than five decades ago, helps clients find homeowners insurance coverage that matches their needs and budgets. The agency represents a variety of insurance carriers, including Columbia Insurance Group, Great American Insurance, and Berkshire Hathaway Insurance, among many others. Ragan Insurance Agency Inc. currently serves clients located in the states of Georgia and Alabama.

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
5.0 / 5 (12)
Facebook
4.5 / 5 (8)

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
Tony Knight Agency LLC logo
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Tony Knight Agency LLC

5734 Windsor Drive, Columbus, GA 31909
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  • Multiple Policy Types

Business Description

Tony Knight Agency LLC is a full-service insurance company that has been serving the Columbus metro area since 1998. Its agents assist homeowners to obtain the right home insurance policy suitable to their needs. Its homeowners' insurance covers property and personal damage caused by natural calamities, pets, burglary, and other causes. It also protects homeowners from any liability and medical expenses when a guest gets injured in their homes. Other policy offerings include auto, motorcycle, recreational vehicle, watercraft and boat, life, as well as business and commercial.

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
4.6 / 5 (28)

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.

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