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Best Homeowners Insurance Agencies in Macon

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Best Buy Insurance Agency logo
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Best Buy Insurance Agency

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

Business Description

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.
4.4
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dunwody Insurance logo
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Dunwody Insurance

555 Arlington Place, Macon, GA 31201
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Dunwody Insurance is an insurance agency in Macon that provides homeowner policies. The business offers an online portal for existing customers to request declarations of coverage and evidence of insurance, and it provides an instant quote calculator for potential customers. Dunwody Insurance provides homeowner policies that cover costs of rebuilding following fires and other natural disasters, along with personal liability in the event that a guest or visitor becomes injured on a policy holder's property.

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 (10)
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
Lader Insurance Group logo
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Lader Insurance Group

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

Business Description

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
Payne & Powell Insurance, Inc. logo
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License Verified:

License: 206367

Georgia office of Insurance and Safety Fire Commissioner

Payne & Powell Insurance, Inc.

2960 Riverside Drive, Macon, GA 31204
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Business Description

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
Robert Fallin - State Farm Insurance Agent logo
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Robert Fallin - State Farm Insurance Agent

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

Business Description

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.
5.0
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
Sanford Insurance logo
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Sanford Insurance

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

Business Description

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.
4.9
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
Tidwell & Hilburn Insurance logo
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Tidwell & Hilburn Insurance

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

Business Description

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)
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
Walker & Walker Insurance Agency logo
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Walker & Walker Insurance Agency

3075 Vineville Avenue, Macon, GA 31204
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  • Multiple Policy Types

Business Description

Walker & Walker Insurance Agency is a locally owned and operated independent business serving families and businesses in Macon and nearby areas. It offers homeowners insurance, as well as rental and investment property premiums. It also has multiple risk management plans for business owners, including general liability solutions. Additionally, it provides life insurance and umbrella policies. Auto and commercial vehicle insurance options are available. The agency represents various insurance carriers, including American Modern, Travelers, and Foremost.

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
5.0 / 5 (3)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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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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