Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Macon

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Macon 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.

58

Reviewed

37

Curated

6

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
5082 Forsyth Road, Macon, GA 31210
  • Multiple Policy Types

Why choose this provider?

Tidwell & Hillburn Insurance is an independent insurance agency in Macon that has been providing risk management and insurance solutions to the local community for decades. Serving both personal and commercial lines clients, it customizes coverage for policies such as auto and homeowners' insurance. Its professionals are experienced in helping clients protect their homes and investments. Tidwell & Hillburn also offers health, life, and business insurance. This agency is a member of the Independent Insurance Agents of America.

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 (33)
Yelp
5.0 / 5 (11)
Facebook
5.0 / 5 (6)

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
2960 Riverside Drive, Macon, GA 31204

Why choose this provider?

Payne & Powell Insurance, Inc., is a Macon-based insurance service company that serves individuals, families, and businesses in Georgia, South Carolina, and Texas. It offers various types of insurance, including homeowners' insurance that provides property protection from possible damages caused by theft, fire, or other covered events. In addition, this agency provides renters', condo, and landlord insurance policies. As an independent insurance agency, Payne & Powell Insurance represents reputable insurance companies to provide clients with better coverage options.

License Verified:

License: 206367

Georgia office of Insurance and Safety Fire Commissioner

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
1070 Highway 19 North, Thomaston, GA 30286
  • Multiple Policy Types
  • Renter's Insurance

Why choose this provider?

Robert Fallin - State Farm Insurance Agent is a licensed insurance broker based in the Macon metro area that handles homeowners and property policies. The company's website allows customers to obtain quotes, file claims, and make payments, and Mr. Fallin and his team assist new, relocating, and current homeowners with obtaining policies. State Farm's homeowners insurance policies include coverage for damages due to fire, rebuilding costs following severe weather disasters, break-ins, or vandalism, and personal liability.

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 (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

Website
153 New Street, Macon, GA 31201
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Lader Insurance Group is a Macon insurance agency that helps customers secure homeowners and property insurance policies. The business is locally owned and operated, and it provides an online portal that's accessible 24/7 for customers to track claims, obtain policy information, and make payments. The company's homeowners insurance policies provide coverage for damage due to unforeseen events such as fires, break-ins and vandalism, injuries of visitors that take place on the policy holder's property, and damage from certain weather conditions.

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.
4.2
Google
4.2 / 5 (31)

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
3937 Bloomfield Rd, Macon, GA 31206
  • Multiple Policy Types

Why choose this provider?

Best Buy Insurance Agency is a Macon-based independent insurance agency that has been helping the people in its community with their insurance needs. The agency offers a wide range of insurance policies, including home insurance. It ensures that its clients' homes and possessions are financially protected from disasters. Some of the home insurance the agency handles are mobile home insurance, renters insurance, RV insurance, and vacant property insurance. Best Buy Insurance Agency also provides personal and commercial auto 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.
4.3
Google
4.3 / 5 (15)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
4468 Forsyth Road, Macon, GA 31210
  • Multiple Policy Types

Why choose this provider?

Sanford Insurance is an independent insurance agency established in 2002. The Macon-based agency represents various insurance providers that offer different types of insurance, including homeowners' insurance policies. These policies help homeowners in protecting their residential properties and belongings in case of damages and lawsuits. Dwelling coverage assists policyholders in paying for repairs or rebuilding, while liability protection helps cover medical treatment, legal fees, and death benefits if a family gets sued.

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 (4)

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.
  • What determines homeowners insurance rates in Macon?

    A homeowners insurance cost in Macon is calculated by considering several factors, like your home's location and proximity to the coast or places prone to calamities and danger. Other things to consider are swimming pools or trampolines, which might raise liabilities and insurance costs. In some cases, it even considers the type of dog, as certain breeds might impact insurance availability and prices.

  • What is the standard cost of homeowners insurance in Macon?

    In Macon, Georgia, the average annual home insurance cost is $1,801. Do note that the average expense for homeowners' insurance in Macon varies based on the chosen coverage level. Since there are many insurance companies in the area, comparing options is essential to find the best range at the most favorable price.

  • How is replacement cost calculated in Macon?

    The replacement cost in Macon is determined by calculating the expenses necessary to reconstruct your home using similar contemporary materials. It is vital to differentiate replacement cost from market value or potential house selling price to calculate the cost. Additionally, the calculation incorporates interior and exterior attributes, encompassing building materials and house square footage. Do note that land value is not factored into this computation.

  • How is actual cash value different from a replacement cost in Macon?

    Actual cash value considers depreciation, impacting more significant claims in Macon, while replacement cost covers rebuilding without depreciation up to policy limits. At the same time, actual cash value covers items considering depreciation, while a replacement cost endorsement is needed to ensure complete coverage for personal items.

  • Why is it important to include a liability coverage in your homeowners insurance in Macon?

    In Macon, liability coverage in your homeowners' insurance protects you and your family from financial problems if someone makes a claim against you, sues you, or is held legally responsible for someone's injury or property damage. This coverage helps in three ways: personal liability, damage to other's property, and medical costs for other people's injuries.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.