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Best Homeowners Insurance Agencies in Savannah

2024

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Providers

Last updated:

Website
5102 Ogeechee Road, Savannah, GA 31405
  • Fire
  • Multiple Policy Types

Why choose this provider?

Southern Harvest Insurance, Inc. is a full-service company that assists residents in Savannah. The agency offers various products including home insurance. Its team creates insurance plans for homeowners that may cover personal belongings, property damage, detached structure damage, and temporary living expenses. The insurance advisors also offer policy add-ons that offer protection for valuable items such as collectibles and jewelry. Southern Harvest Insurance, Inc. also protects mobile homes and renters. It works with insurance carriers such as AllState 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.
4.2
Google
4.2 / 5 (151)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9100 White Bluff Road, Savannah, GA 31406
  • Flood
  • Multiple Policy Types

Why choose this provider?

Sam Sharpe is an insurance agent for State Farm who provides homeowners' insurance to clients in Savannah and nearby areas. Working with State Farm, Sharpe offers customizable solutions and policies for clients and their homes. Having homeowners' insurance will protect clients financially when unexpected incidents occur that involve fires, theft, and personal liability suits. Sharpe also grants auto, property, business, and life insurance. He is a licensed insurance agent in Georgia and in South Carolina.

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 (41)
Facebook
5.0 / 5 (20)
Yelp
1.0 / 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
6001 Chatham Center Drive, Savannah, GA 31405
  • Multiple Carriers

Why choose this provider?

Savannah Insurance Advisors is a family-run insurance agency serving the metro. Its clients are small businesses and families, and it provides products such as property insurance plans for renters and homeowners. Flood insurance coverage is also available. The agency also offers life and health plans as well as policies for automobiles, motorcycles, and boats. Its commercial lines of insurance include business owner’s policy, surety bonds, and general liability. Savannah Insurance Advisors works as an independent agency that represents multiple insurance providers.

License Verified:

License: 154210

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 (19)

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
5859 Abercorn Street, Savannah, GA 31405
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Mike Holland manages a State Farm insurance agency that serves Savannah. Together with his team, he provides 24/7 insurance and financial services. He offers various product lines including homeowners’, property, automobile, life, health, and disability insurance. Business insurance is also available. Mike has over a decade of industry experience as a small business leader and engineer. He holds a degree in Industrial Engineering and is a member of the Savannah Area Chamber of Commerce and Savannah Small Business Chamber.

License Verified:

License: 164891

Georgia office of Insurance and Safety Fire Commissioner

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 (143)
Facebook
5.0 / 5 (4)
Yelp
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.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
310 East Montgomery Cross Road, Savannah, GA 31406
  • Fire
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

First Choice Insurance has been providing customized home insurance to residents in Savannah and the surrounding areas since 1995. It offers homeowners insurance that can cover expenses from damage caused by disasters and events such as floods and earthquakes. The policy also includes liability protection and medical coverage for guests who are injured inside the client's home. First Choice Insurance also carries a variety of insurance products, including auto, business and commercial, renters, 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.
4.6
Google
4.6 / 5 (22)

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
20 East Montgomery Cross Road, Savannah, GA 31406
  • Homeowners

Why choose this provider?

Bill Richard is a State Farm insurance agent that serves residents, families, and business owners in Savannah and nearby areas. He offers home, condominium, townhome, and renters' insurance products. He also assists clients looking to secure additional protection for their pets, vehicles, and business ventures. Life and health insurance policies are likewise available. Richard has been part of State Farm for more than two decades and is a member of the Chatham County Chamber of Commerce.

License Verified:

License: 448228

Georgia office of Insurance and Safety Fire Commissioner

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 (27)
Facebook
5.0 / 5 (12)
Yelp
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
8402 Abercorn Street, Savannah, GA 31406
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Peters Enterprises Insurance Agency is a locally-owned and -operated home insurance business based in Savannah. The agency works with over 100 insurance companies and has been serving insurance-seekers in the metro and surrounding areas for over 30 years. Its agents provide personalized and customized services to clients applying for homeowners' insurance. The company follows a 24/7 policy access in paying bills and tracking claims. Other services include personal automobile insurance 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
4.4 / 5 (61)
Facebook
5.0 / 5 (7)
Yelp
1.0 / 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

Website
785 King George Boulevard, Savannah, GA 31419
  • Multiple Policy Types
  • Flood

Why choose this provider?

Abercorn Insurance Agency addresses the insurance needs of clients in Savannah and the surrounding areas. The company is run by four women with over 44 years of combined experience in the insurance industry. Its independent insurance agents help clients protect their homes by finding the right homeowners' insurance coverage, explaining their options, finding the best insurance discounts, assisting with the home claims process, and working with various insurance carriers to present different policies.

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
4.3 / 5 (31)
Facebook
3.0 / 5 (2)
Yelp
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

Website
7805 Waters Avenue, Savannah, GA 31416
  • Multiple Policy Types

Why choose this provider?

Sherrill & Company is an independent insurance firm serving the Savannah metro and surrounding areas. Since 1988, it has been providing insurance brokerage services to individuals and businesses. It offers home insurance that comes with two policy options: flood insurance and personal article floater. In addition, the company offers auto insurance, business insurance, and life insurance. Sherrill & Company works with multiple insurance carriers to provide a broad choice of protection for clients, and their families, and businesses. The company is a Trusted Choice agency.

License Verified:

License: 70612

Georgia office of Insurance and Safety Fire Commissioner

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
Facebook
5.0 / 5 (16)
Google
4.6 / 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
110 East President Street, Savannah, GA 31401
  • Homeowners
  • Multiple Carriers

Why choose this provider?

Patriot Independent Insurance Partners is a veteran-owned agency operating in Savannah. It works with multiple insurance carriers to provide personalized homeowners' insurance coverage options that address a wide range of risks. Different products from personal and commercial lines of insurance are available, including auto, flood, and trucking & logistics. Its partners include Travelers, Tokio Marine, Liberty Mutual, Foremost, and Aegis. In addition to helping clients in filing insurance, it also provides personal advice for individuals, families, and businesses.

License Verified:

License: 201513

Georgia office of Insurance and Safety Fire Commissioner

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
5.0 / 5 (33)
Facebook
4.7 / 5 (20)

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 can the age of a Savannah home affect one's homeowners insurance premium?

    The older the age of a Savannah home, the higher its homeowners insurance premium. An older, stately house may have more ornate features, such as plaster walls, wooden floors, and ceiling molding, that might be expensive to replace. This can then raise its insurance cost. Its electrical and plumbing systems may also be unsafe due to lack of maintenance and age. The cost of updating these features will factor into the ownership cost.

  • Do the type and age of a Savannah home's roof affect the price of its homeowners insurance?

    Sometimes the type and age of the roof of a Savannah home affect the price of its homeowners insurance. Insurers factor in the roof’s condition, whether it is new or in a poor state, in their computation. If a roof is in excellent condition, and if it is made of hail- and/or fire-resistant materials, the home may even be qualified for a discount.

  • What qualities does a good Savannah homeowners insurance agent have?

    A capable Savannah homeowners insurance agent works with several insurance carriers, allowing them to provide the best policies, rates, and coverages that are appropriate for their clients’ needs. A good agent explains these available coverage options and helps clients get the best premium discounts. They also help clients understand the insurance claims process.

  • What can a homeowners insurance policy holder in Savannah do in the face of an unfair claim settlement practice by their insurer?

    A Savannah homeowners insurance policyholder can, in the face of an unfair claim settlement, refer to Georgia’s official code on unfair trade and claims settlement practices. They can complain to the Office of the Commissioner of Insurance and must prove the following:

    • Their coverage includes their claim.
    • Their insurer refused payment within a 60-day period after their payment demand.
    • Their insurer showed bad faith. If the policyholder prevails, they can recover an additional 50% of their claim and lawyer’s fees.
  • Is a Savannah resident’s homeowners insurance claims adjuster trustworthy?

    Savannah homeowners insurance claims adjusters are employees of insurance companies, who are in the business to make profits, meaning adjusters are not social workers, and they are not the policyholder’s friend. Insurers limit payouts by using legalese and confusing wording in their contracts. However, there are also laws that protect policyholders. Settling insurance claims is a negotiation, and the better the policyholder understands this process, the better their chance of getting a fair settlement.

  • 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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