Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Georgia

Our Recommended Top 13

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Georgia Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

6144Reviewed

3691Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Atlanta

Expertise.com Rating

Review Sources

Google
5.0 (59)
Facebook
5.0 (9)

Why choose this provider?

Dixon Agency LLC is the best independent insurance brokerage in Georgia. It has been in the industry since 2018, providing a selection of products, including homeowners', life, auto, motorcycle, truck, and commercial insurance. Its agents work closely with clients to find the policy that fits their needs. They utilize their in-depth knowledge of the industry and represent various carriers to provide clients with numerous options. These carriers include Liberty Mutual, Travelers, Humana, Progressive, and National Indemnity Company.

Atlanta

Expertise.com Rating

Why choose this provider?

Valerie Primas is the best State Farm agent in Georgia serving individuals and families in the state. She has been in the industry for over 25 years, helping clients protect their valuable assets by providing the best policies, like homeowners', auto, life, health, and business insurance.Its homeowners' insurance policy covers the individual's personal property and liability in cases of fire, theft, or disaster. Her additional products include banking and annuities. Valerie holds designation as a Charter Property and Casualty Underwriter.

Atlanta

Expertise.com Rating

Why choose this provider?

Mishon Williams Agency is the best insurance firm that serves clients in Georgia and its neighboring metros. Its principal agent, Mishon Williams has been in the industry for over 15 years and is the top local Farmers Insurance agent. She offers a wide selection of products, including homeowners', condo, auto, life, and business insurance. Williams works closely with clients to understand their needs, education on products, and risk adversity. She focuses on the continuous growth of new policyholders and sustaining current accounts.

Atlanta

Expertise.com Rating

Review Sources

Google
4.9 (335)
Facebook
4.9 (61)
Yelp
4.6 (12)

Why choose this provider?

Kaitlin Ponce is an insurance agent who serves individuals and families in Georgia. She has been one of the best agents in State Farm since 2014, providing homeowners', auto, health, life, and business insurance. Ponce works closely with clients to create a personalized homeowners' insurance policy to protect their personal belongings. This policy covers appliances and furniture and keepsakes like jewelry and collectibles. Ponce is a qualifier for various industry awards, such as the State Farm Ambassadors for Life and Legion of Honor.

Atlanta

Expertise.com Rating

Review Sources

Google
4.5 (36)

Why choose this provider?

Brenda Ward is a State Farm agent who caters to individuals and families in the Georgia community. Recognized as the best statewide, she provides homeowners', renters', auto, life, health, and business insurance. Brenda helps clients acquire the best coverage for their homes by creating a personalized policy that suits their needs. This policy covers liability and personal belongings in cases of damage or loss. She also focuses on relocations and out-of-state transfers and offers banking solutions. Brenda has been working in the insurance industry for 29 years.

Augusta

Expertise.com Rating

Review Sources

Google
4.8 (49)
Facebook
5.0 (4)

Why choose this provider?

Sammy Sanders is the best State Farm agent who serves clients in Georgia. He provides a variety of products, including homeowners', renters', auto, life, health, and business insurance. His homeowners' insurance policy helps clients protect one of their most valuable investments from unexpected events. This policy covers the customers' personal property even if they are running errands, on vacation, or holding items in storage. Sanders also helps clients file a claim or pay a bill.

Watkinsville

Expertise.com Rating

Review Sources

Google
4.6 (11)

Why choose this provider?

Pachuta Insurance is the best agency that addresses the risk management needs of clients in Georgia and its neighboring areas. Its homeowners' insurance protects the policyholders' personal belongings and provides coverage for home repair and replacement expenses in the event of damage or loss. The company's other products include renters', auto, life, church, and commercial insurance plans. It represents various carriers, such as Travelers, Progressive, and Safeco. Johnny Pachuta, the business's owner, has been an insurance agent for over 13 years.

Columbus

Expertise.com Rating

Review Sources

Google
5.0 (157)
Facebook
5.0 (49)

Why choose this provider?

Proverb Insurance Agency has been the best independent firm in Georgia since 2005. It helps its clients protect one of their most valuable assets through homeowners' insurance. This policy provides personal property coverage in case of loss due to vandalism, theft, or fire. Proverb Insurance also crafts insurance plans for automobiles, motorcycles, and businesses. Its founder, Megan Weldon, started her career in the industry while in college as an intern at a Fortune 500 company.

Savannah

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
4.6 (5)

Why choose this provider?

Established in 1988, Sherrill & Company is the best independent insurance firm serving clients in Georgia. It offers a variety of products, including homeowners', auto, life, and business insurance. Its homeowners' insurance covers second homes, rental properties, collectors, and small or big houses. The company represents an extensive list of carriers, including Mercury, Chubb, Encompass, Progressive, and National Security. Its additional options include flood insurance and personal articles floater. It is also a Trusted Choice Agency.

Augusta

Expertise.com Rating

Review Sources

Google
5.0 (323)
Facebook
5.0 (17)
Yelp
5.0 (1)

Why choose this provider?

Drew Creswell is a State Farm agent who serves individuals and families in Georgia.The leading insurance professional in the state since he started in 2014, he provides the best coverage for homeowners', health, life, auto, and business insurance. Drew helps clients protect themselves from liability in cases of injuries in their premises through a personalized homeowners' insurance policy. This covers repair and replacement expenses in the event of wind, storm, or hail damage. His additional services include banking, annuities, and mutual funds. He also offers notary public services by appointment.

Columbus

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (12)

Why choose this provider?

Ragan Insurance Agency, Inc., has been serving clients in Georgia since 1969. It offers the best homeowners' insurance plans, which cover the clients' personal property, medical expenses, and liability in cases of damage or injuries in their premises. Its other products include policies for vehicles and businesses. The company works with various carriers, such as American Modern, Mercury, and AmTrust. To give back to the community, it supports local non-profits like House of Heros, which honors military and public safety veterans.

Savannah

Expertise.com Rating

Review Sources

Google
4.9 (49)
Facebook
5.0 (22)
Yelp
5.0 (1)

Why choose this provider?

Bill Richard is the best insurance agent who serves clients in Georgia. He has been the best agent in State Farm for over 22 years, providing homeowners', auto, business, life, and health insurance. His homeowners' insurance policy includes personal property and liability coverage, protecting the clients in cases of loss or injuries in their premises. Richard is a qualifier for various State Farm awards, including Legion of Honor and Ambassadors for Life. He serves as a member of the Chatham County Chamber of Commerce.

Watkinsville

Expertise.com Rating

Review Sources

Google
5.0 (36)
Facebook
5.0 (22)
Yelp
5.0 (1)

Why choose this provider?

Arch Partners is the best insurance agency serving clients in Georgia and its neighboring metros. It consists of the best professionals, carrying over 110 years of combined industry experience, addressing the client's insurance and risk management needs. Its insurance products include homeowners', renters', condo, landlord, auto, and personal umbrella insurance. The company helps clients protect their property and possessions by tailoring its homeowners' insurance policy based on their needs. Its additional products include life, business owners', and general liability insurance.

FAQs

  • 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.

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