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2024

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Best Homeowners Insurance Agencies in Albany, GA

Our Recommended Top 11

We did the research for you!

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

53Reviewed

36Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1411 State Street, New Albany, IN 47150

Expertise.com Rating

Review Sources

Google
5.0 (69)

Why choose this provider?

Countryside Insurance Agency, Inc. is an independent provider that has been protecting homes in Albany from risks and losses for 21 years. Damages to a home and its content caused by fires are covered, as well as personal valuables such as jewelry, electronics, and art pieces. An injured visitor is covered for medical expenses when the incident happened within an insured property. Countryside Insurance Agency, Inc. is a second-generation agency and is known for long-standing client relations.

  • Multiple Policy Types

1132 Dawson Road, Albany, GA 31707

Expertise.com Rating

Review Sources

Google
3.8 (30)

Why choose this provider?

Southern Harvest Insurance Agency Inc. is an insurance agency that serves clients in Albany. Its insurance agents help clients choose the right homeowners' insurance coverage to protect their most valuable assets. These homeowners' insurance plans typically cover damages to the physical structures of properties, loss of personal belongings, personal liabilities, and temporary living costs. On top of these, clients can also choose to enhance their homeowners' insurance policies by adding coverage for their valuables and home replacement costs.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

1301 North Slappey Boulevard, Albany, GA 31701

Expertise.com Rating

Review Sources

Google
4.2 (26)

Why choose this provider?

Toole Budget Insurance Agency, Inc., is a local homeowners' insurance agency that provides insurance policies to families and individuals in Albany. Its insurance specialists reach out to different insurers on behalf of the homeowners and collaborate on plans that meet the buyer's budget and needs. They will then compare the available options and select the right homeowner's insurance policy for their clients. Toole Budget Insurance Agency, Inc., also provides auto and commercial quotes.

  • Multiple Carriers
  • Multiple Policy Types

2418 Sylvester Road, Albany, GA 31705

Expertise.com Rating

Review Sources

Google
3.8 (4)

Why choose this provider?

Ricky D. Jackson Insurance Agency was established in Albany to help residents and businesses with their insurance needs. It offers a broad range of homeowners' insurance policies that protect homeowners from theft, fire, water damage, vandalism, and damage from a natural disaster. Several standard coverages are included as a common part of the policy. The same coverages and policies can also apply to condo and landlord insurance. The agency's founder, Ricky D. Jackson, is a licensed insurance agent in Georgia and Florida.

  • Multiple Carriers
  • Renter's Insurance
  • Multiple Policy Types

636 Pointe North Boulevard, Albany, GA 31721

Expertise.com Rating

Review Sources

Google
4.5 (6)

Why choose this provider?

Fleming & Riles Insurance has been serving individuals and businesses in Albany since 1898. It offers homeowners' insurance which covers the home and the contents inside it. The package policy covers damage to the property, liability for guest's injuries, and property damage caused to other people, which also includes damage caused by household pets. Damage caused by disasters like floods, earthquakes, and poor maintenance can also be included in the package. The independent insurance agency also offers renters' insurance from various companies.

  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance

1712 Gillionville Road, Albany, GA 31707

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

The Family Insurance Agency is a Georgia-based insurance firm serving clients in the Albany area. It has a staff of seasoned insurance agents proficient in structuring homeowners' insurance policies designed to cater to the specific needs and residential protection requirements of clients with respect to their financial situations. Its homeowners' insurance coverage includes the dwelling, other structures, personal belongings or contents, and disasters. Clients can request home insurance quotes by submitting their basic information and basic description of their homes via the agency website.

  • Renter's Insurance
  • Multiple Policy Types

1704 Gillionville Road, Albany, GA 31707

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Reynolds, Shugart & Associates is a full-service independent insurance agency operating in Albany. It offers both homeowners' insurance and auto insurance under its personal insurance service. The homeowners' insurance covers the home, other structures in the property, personal property, and additional expenses due to loss. It also helps clients regarding personal legal liability coverage for property damage or injuries caused by clients or their family. Reynolds, Shugart & Associates also offers condo owners' and renters' insurance. The agency represents different carriers including RLI Different Works, GuideOne Insurance, and Auto-Owners Insurance.

  • Multiple Policy Types

2543 Lafayette Plaza Dr, Albany, GA 31707

Expertise.com Rating

Review Sources

Google
4.6 (31)

Why choose this provider?

Headquartered in Georgia, Griffin & Company Insurance is an independent insurance agency serving home and business owners in the Albany area. It has a team of seasoned insurance agents proficient in constructing comprehensive homeowners' insurance policies. Its homeowners' insurance coverage includes property damage, personal property, loss of use, personal liability, medical expenses, and fire disasters. Additional coverage options are also available for personal injury, floods, water back-ups, off-premises theft, excess liability, and secondary homes. The agency carries a broad selection of personal, business, life, and employee benefits insurance coverages as well.

  • Multiple Policy Types

Attorney Information

Attorney NameBar StatusExperience
Brent Griffin - OwnerActive22 yrs

2734 Ledo Road, Albany, GA 31707

Expertise.com Rating

Review Sources

Google
4.4 (7)

Why choose this provider?

Dale Hodges Agency, LLC is an independent insurance agency that has been serving Albany residents and businesses since 1997. The agency assists clients in finding the right homeowners' insurance coverage that fits their individual needs. It represents multiple insurance carriers such as Mercury Insurance Group, American Strategic Insurance, Progressive, and Foremost Insurance Group. The agency's insurance specialists, who share more than five decades of experience, also offer assistance with property insurance, rental dwellings, automobile, commercial general liability, and life insurance.

  • Multiple Policy Types

2218 Palmyra Road, Albany, GA 31701

Expertise.com Rating

Review Sources

Google
4.1 (8)

Why choose this provider?

Wilson Insurance is a family-owned independent agency in Albany established in 1978. It offers a comprehensive homeowners' insurance policy that covers losses to the home and the owner's belongings inside it. Policy packages are available from top insurance carriers in the industry including Southern General Insurance House, National Lloyds Insurance, and TAPCO Insurance Services. Wilson Insurance also offers mobile home insurance, through Foremost, as well as title bonds and small business insurance.

  • Multiple Policy Types

1549 U.S. Highway 19 South, Leesburg, GA 31763

Expertise.com Rating

Review Sources

Google
4.3 (10)
Facebook
5.0 (9)

Why choose this provider?

Carl Plowden - State Farm Insurance Agent provides assistance with personalized home insurance plans for customers in Albany and the surrounding areas. He offers insurance for homeowners as well as renters. Coverage includes theft, liability in case of a visitor's injuries, damage to belongings, and even extra expenses if the property is unlivable. Mr. Plowden also helps individuals, families, and businesses find commercial property insurance as well as auto, pet, and health insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Countryside Insurance Agency, Inc.
1411 State Street, New Albany, IN 47150
Southern Harvest Insurance Agency Inc.
1132 Dawson Road, Albany, GA 31707
Toole Budget Insurance Agency, Inc.
1301 North Slappey Boulevard, Albany, GA 31701
Ricky D Jackson Insurance Agency
2418 Sylvester Road, Albany, GA 31705
Fleming & Riles
636 Pointe North Boulevard, Albany, GA 31721
The Family Insurance Agency
1712 Gillionville Road, Albany, GA 31707
Reynolds, Shugart & Associates
1704 Gillionville Road, Albany, GA 31707
Griffin & Company Insurance
2543 Lafayette Plaza Dr, Albany, GA 31707
Dale Hodges Agency, LLC
2734 Ledo Road, Albany, GA 31707
Wilson Insurance
2218 Palmyra Road, Albany, GA 31701
Carl Plowden - State Farm Insurance Agent
1549 U.S. Highway 19 South, Leesburg, GA 31763

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.
  • How much does homeowners' insurance in Albany cost as a percentage of overall housing expenses?

    Homeowners' insurance in Albany costs 6.5% of total housing expenses if the place is under a mortgage. This is in the middle of the rates in East and West Dougherty. If there is no mortgage, the percentage is greater at 18.6% of total expenses, lower than the similar average for the rest of Dougherty County.

  • Why is it advisable in Albany to bundle a homeowners' policy with car insurance?

    It is advisable in Albany to bundle homeowners' insurance with a car plan because of the resulting discounts. In the metro, the savings on both policies combined add up to $108 if the coverage includes one car, $144 for two, and $216 for three vehicles.

  • Do homeowners' insurance plans in Albany extend in scope to fortuitous events like acts of war and god?

    No, homeowners' insurance plans in Albany do not extend in scope to fortuitous events like acts of war and god. Natural disasters such as earthquakes and floods are not covered, though others such as tornadoes and hurricanes are. The insured has to examine the policy carefully to see the exclusions.

  • What is the remedy if a homeowner in Albany wants coverage for acts of god and war?

    If a homeowner in Albany desires protection against events such as acts of god and conflict, they should purchase an umbrella insurance policy in addition to their homeowners' insurance. These plans serve as a metaphorical shield against the additional risks excluded from standard plans. The contracts also imply an increase in the covered limits, which the insurer will be liable for when a contingency occurs.

  • What factors influence the pricing of homeowners' insurance plans in Albany?

    Homeowners' insurance plans in Albany are priced based on factors like the cost of rebuilding one's home, which is computed from the property's location, the materials used, and the land area. Crime statistics are a factor with higher incidences increasing premiums. The cost of the house itself influences how expensive protection is.

  • 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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