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2024

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Best Homeowners Insurance Agencies in Athens, GA

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Athens 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.

74Reviewed

48Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

425 North Milledge Avenue, Athens, GA 30601

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
5.0 (1)

Why choose this provider?

Ches Smith is a State Farm insurance agent based in Athens who can help homeowners assess their current policies to see if they meet their coverage needs and tailor State Farm's home insurance products to meet those needs. The licensed agent can also help his clients get insurance with premiums they can afford and assist in filing claims. Additionally, he can discuss other forms of insurance, such as auto and life.

  • Multiple Policy Types

325 North Milledge Avenue, Athens, GA 30601
WebsiteLicense: 736146

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Carl Blount is an insurance agent that serves clients in Athens. He has been in the industry for over 15 years and is currently representing American National. He offers a wide range of coverage, including homeowners, life, auto, and business insurance. His homeowners' insurance policy helps clients protect their possessions and other structures in their properties. The policy also includes ID theft protection coverage, medical payments, and personal liability. Carl is a supporter of The Rotary Club of Athens.

  • Condos

3620 Atlanta Highway, Athens, GA 30606

Expertise.com Rating

Review Sources

Google
3.8 (26)
Facebook
5.0 (4)

Why choose this provider?

Mundy Mill Premier Insurance is a Georgia-based independent homeowners' insurance agency that has been in operation for more than four decades. The agency helps clients to protect their properties financially against disasters such as earthquakes and floods. It also offers other insurance services, including automobile and motorcycle insurance, and commercial auto insurance. Mundy Mill Premier Insurance currently has multiple offices in the state of Georgia, including Oakwood, Athens, Gainesville, Cornelia, and Winder.

  • Multiple Policy Types

272 West Hancock Avenue, Athens, GA 30601

Expertise.com Rating

Review Sources

Google
3.8 (21)
Facebook
4.1 (9)

Why choose this provider?

Chastain & Associates Insurance Agency, Inc. has been delivering insurance solutions to residents and business owners in Athens and nearby communities for more than 100 years. Founded in 1908, the company assists individuals in protecting their homes, personal belongings, and loved ones against disasters, accidents, and unwanted perils with a variety of homeowners insurance policies. Its licensed agents help customers select the best insurance coverage from a wide array of carriers. Other insurance offerings include auto, health, and business packages. Each of its employees has an average of 20 years of industry experience.

  • Renter's Insurance
  • Multiple Policy Types

3651 Mars Hill Road, Watkinsville, GA 30677
WebsiteLicense: 18777808

Expertise.com Rating

Review Sources

Google
5.0 (37)
Facebook
5.0 (23)
Yelp
5.0 (1)

Why choose this provider?

Arch Partners is an independent insurance agency that provides homeowners' insurance services to clients residing in Athens. It connects clients with insurance companies depending on their specific needs. With a combined experience of 111 years, the firm's insurance advisors provide coverage plans for both personal and business usage. These plans help protect consumers in the event of property damage, personal liabilities, and legal fees. They also offer car insurance plans, life insurance plans, and wealth management assistance.

  • Condos
  • Renter's Insurance

635 Hawthorne Avenue, Athens, GA 30606
WebsiteLicense: 203943

Expertise.com Rating

Review Sources

Google
4.5 (15)

Why choose this provider?

Ensure All Insurance is a full-service insurance company that assists clients in Athens and nearby areas. The firm helps individuals and families in choosing the right homeowners' insurance plan that can adequately protect their personal properties from losses, damages, theft, and other unfortunate events. Its insurance specialists also offer other types of insurance products, including automobile, life, health, as well as business and commercial insurance. The company has been covering the assets of people and businesses for more than 18 years.

  • Landlords
  • Multiple Carriers

260 North Milledge Avenue, Athens, GA 30601

Expertise.com Rating

Review Sources

Google
5.0 (15)
Yelp
5.0 (2)

Why choose this provider?

Larry Baumwald Insurance has served more than 4,000 residents and businesses in the Athens area for four decades. Its team consists of agents who have extensive knowledge in risk management and financial planning, and can help homeowners in protecting their residential properties. They offer plans that will assist homeowners in recovering financial losses in case of disasters. The independent insurance agency works with various insurance carriers like MetLife, Travelers, AAA, Donegal Mutual, Kemper, and Nationwide.

  • Multiple Carriers
  • Multiple Policy Types

753 Bogart Road, Bogart, GA 30622

Expertise.com Rating

Why choose this provider?

Stand Guard Insurance Agency is a full-service insurance company serving the Athens metro area. The firm assists people in obtaining a homeowners' insurance policy that will protect themselves, their loved ones, and their assets from unforeseen events. The team provides a wide range of coverage options, including dwelling and other structures, personal property, loss of use, personal liability, and medical payments. Personal and commercial lines are also provided by the company. Austin Allmon, the firm's founder and insurance agent, has been serving clients since 2013.

  • Renter's Insurance

1570 Prince Avenue, Athens, GA 30606

Expertise.com Rating

Review Sources

Google
4.8 (22)
Yelp
4.0 (1)

Why choose this provider?

Paul Lavelle, a State Farm insurance agent, provides insurance and financial services to clients in Athens and its surrounding communities. Lavelle started serving the insurance industry in 1996 by assisting clients with various plans like home, property, business, auto, life, and health insurance. He reviews coverages for homeowners' insurance regardless if he's dealing with clients face-to-face or virtually. Clients can also schedule an appointment with Lavelle during off-hours. The other products that he offers include mutual funds and annuities.

  • Multiple Policy Types

1031 Village Drive, Watkinsville, GA 30677
WebsiteLicense: 808540

Expertise.com Rating

Review Sources

Google
4.6 (11)

Why choose this provider?

Pachuta Insurance is an independent insurance agency that serves Athens and the surrounding areas. It offers a broad range of personal insurance solutions, including home, renters, life, and auto insurance. The company also offers commercial insurance policies, providing coverage for property, liability, equipment, and workers' compensation. Owner John Pachuta has been in the industry for more than 13 years. He has been married to his wife Alicia for 25 years. Prior to being an insurance agent, John was a school teacher, coach, and youth minister.

  • Renter's Insurance
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Ches Smith - State Farm Insurance Agent
425 North Milledge Avenue, Athens, GA 30601
Carl Blount
325 North Milledge Avenue, Athens, GA 30601
Mundy Mill Premier Insurance
3620 Atlanta Highway, Athens, GA 30606
Chastain & Associates Insurance
272 West Hancock Avenue, Athens, GA 30601
Arch Partners
3651 Mars Hill Road, Watkinsville, GA 30677
Ensure All Insurance
635 Hawthorne Avenue, Athens, GA 30606
Larry Baumwald Insurance
260 North Milledge Avenue, Athens, GA 30601
Stand Guard Insurance Agency
753 Bogart Road, Bogart, GA 30622
Paul Lavelle - State Farm Insurance Agent
1570 Prince Avenue, Athens, GA 30606
Pachuta Insurance
1031 Village Drive, Watkinsville, GA 30677

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.
  • Is there a specific timeframe in Athens within which homeowners must file insurance claims in the event of a house fire?

    Not really; however, the deadline for notification is determined by your homeowners' insurance policy, not Athens law. Inform your insurance company promptly if you experience any losses, as it's usually the first step in the claim process. Your insurance policy requires you to promptly notify your insurance company in writing about fire claims. The definition of "immediate" or "prompt" in this context varies depending on the circumstances of your claim. However, it is always advisable to file a claim right away, regardless of the requirements.

  • In Athens, how long does one have to file a lawsuit for breach of a homeowners' insurance contract?

    The deadline to file a lawsuit for breach of an insurance contract in Athens is often laid out in the terms of your insurance policy, although most establish a limitation period of as little as one or two years from the time you became aware or should have become aware of the loss. Despite Georgia's six-year general limitation period for breach of contract (including insurance policies), courts have held that insurance policies can shorten that time frame. Speak with your homeowners' insurance agency to get a clearer picture of this.

  • Are homeowners' insurance firms in Athens permitted to cancel a client's policy for any specific reason?

    Yes. Homeowners' insurance policies in Athens have the potential to be canceled by the insurer for any reason within the initial 60 days of the policy. However, it is important to note that a 10-day termination notice must be provided to the policyholder via mail. After a period of 60 days, there are restrictions on cancellation, also known as the "term period." During this period, your policy may only be terminated if you refuse to pay your premiums, make a false claim, commit a felony, or neglect to maintain the property's safety.

  • What is Georgia's FAIR plan, and how does it help Athens citizens acquire a homeowners' insurance policy?

    The Fair Access to Insurance Requirements (FAIR) Plan is a state program that helps individuals who are considered high-risk by insurers to acquire insurance for their homes. This includes people who live in areas prone to natural disasters or high-crime areas, homes in disrepair, or homes with multiple previous claims. If you lose your homeowners' insurance or can't afford it, the Georgia Office of Insurance suggests getting the FAIR Plan from the Georgia Underwriters Insurance Association.

  • How much do homeowners' insurance policies cost in Athens?

    In Athen, an annual premium of $1,682 is the norm for homeowners insurance. That's more than the median price in the United States, which is $1,428. There are a number of variables that might affect your actual cost, including the age and value of your property, the types of coverage you choose, and your claims history.

  • 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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