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2025

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Best Homeowners Insurance Agencies in Georgia

Our Recommended Top 12

We did the research for you!

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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.

6143Reviewed

3690Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Best Homeowners Insurance Agencies Serving Georgia
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.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Sherrill & Company
7805 Waters Avenue, Savannah, GA 31416
Sammy Sanders - State Farm Insurance Agent
1347 Augusta West Parkway, Augusta, GA 30909
Mishon Williams Agency
2033 Monroe Dr NE, Ste B, Atlanta, GA 30324
Proverb Insurance Agency
5964 Veterans Pkwy, Columbus, GA 31909
Arch Partners
3651 Mars Hill Road, Watkinsville, GA 30677
Dixon Agency LLC d.b.a Providential Insurance
235 Peachtree St NE Ste 444, Atlanta, GA 30303
Valerie Primas
2798 Lakewood Ave SW Suite A, Atlanta, GA 30315
Brenda Ward
1800 Peachtree Street NW, Suite 210, Atlanta, GA 30309
Kaitlin Ponce
1448 Woodmont Ln NW, Atlanta, GA 30318
Ragan Insurance Agency Inc.
4511 Armour Road, Columbus, GA 31904
Drew Creswell - State Farm Insurance Agent
1030 Jimmie Dyess Pkwy 5, Augusta, GA 30909-9158
Bill Richard
20 East Montgomery Cross Road, Savannah, GA 31406

Georgia Homeowners Insurance Agency FAQs

  • Why is homeowners insurance so expensive in Georgia?

    Georgia homeowners insurance is so expensive due to various factors that drive their prices up, including the susceptibility of the state to natural disasters, expensive building costs, and high crime rates. Georgia’s insurance market is complex, and although it is competitive, insurance providers need to navigate licensing and state requirements, as well as other regulations. This increases their administrative costs, which they pass on to their customers by way of higher premiums.

  • How much does the average Georgia homeowners insurance cost?

    The average Georgia homeowners insurance costs $2,298.33 per year. This is lower than the average cost in the entire U.S., which is $2,417. Insurance prices may vary significantly based on the homeowner’s particular location, which determines their susceptibility to risk. People who are shopping for policies may ask for the help of different insurance providers in determining the estimated cost in their specific area.

  • What are the types of flood insurance that a Georgia resident can purchase?

    There are two types of Georgia flood insurance that a resident can purchase: a flood insurance policy provided by the federal government and a plan offered by private insurers. Homeowners can buy flood insurance policies from the federal government through its National Flood Insurance Program, while private flood insurance policies can be obtained from various Georgia insurance companies.

  • What events must be considered when evaluating Georgia home insurance options?

    Some events that must be considered when evaluating Georgia home insurance options include natural disasters such as thunderstorms as they may cause flooding due to heavy rains, even in areas not near the coast. Flooding is usually not covered by insurance. As a coastal state, Georgia is prone to hurricanes, and in general, policies cover wind damage. The state also sees a lot of tornado activity, especially in springtime. Standard homeowners insurance policies generally cover tornado damage.

  • What are some ways to save on Georgia homeowners insurance?

    One way to save on Georgia homeowners insurance is to adjust your deductibles or coverage limits. Major insurance providers offer discounts when you take auto and homeowners insurance bundles. Staying with one insurance company for many years can qualify you for discounts as well, and military families can also get discounts if they have proof of status. Discount offerings and amounts vary depending on your policy and insurer.

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