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2024

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Best Homeowners Insurance Agencies in Columbus, GA

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

121Reviewed

75Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3603 Victory Drive, Columbus, GA 31903

Expertise.com Rating

Review Sources

Google
4.7 (49)

Why choose this provider?

A-1 Auto Insurance has been providing personal and commercial insurance solutions to residents and business owners in Columbus for more than two decades. The company assists homeowners in insuring their residential properties against property damages, lost personal belongings, and injury liabilities. Its licensed agents also provide customized insurance solutions covering automobiles, motorcycles, recreational vehicles, boats, and commercial establishments. The company represents both small and top-rated insurance companies. It also serves clients throughout the tri-state area.

  • Multiple Policy Types

5510 Veterans Parkway, Columbus, GA 31904

Expertise.com Rating

Review Sources

Google
4.7 (12)
Facebook
5.0 (5)

Why choose this provider?

Culpepper Insurance Agency Inc is a Georgia-based insurance firm serving clients in Columbus and the surrounding areas. It specializes in homeowners insurance policies inclusive of property coverage, liability, medical expenses, personal property, and living expenses. It offers home insurance plans for family homes, beach homes, rental dwellings, secondary residences, vacation homes, and high-value homes. Clients can also obtain a wide variety of insurance products, such as personal umbrellas, individual annuities, business owners' policies, bonds, and EPLI insurance.

  • Condos
  • Multiple Policy Types
  • Renter's Insurance

4931 14th Ave, Columbus, GA 31904-5920

Expertise.com Rating

Review Sources

Google
5.0 (275)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Aaron Warren is a State Farm insurance agent who offers homeowners insurance to clients in Columbus. He helps clients protect their assets from damages caused by natural disasters and accidental causes. He guides them through the process of acquiring and managing their home insurance policies. He recommends insurance coverages that can address the client's needs. He also handles claim filing and insurance payments. Other insurance products that Aaron Warren offers include auto, business, life, and health.

  • Personal Property Insurance
  • Multiple Policy Types

5734 Windsor Drive, Columbus, GA 31909

Expertise.com Rating

Review Sources

Google
4.6 (28)
Facebook
5.0 (12)

Why choose this provider?

Tony Knight Agency LLC is a full-service insurance company that has been serving the Columbus metro area since 1998. Its agents assist homeowners to obtain the right home insurance policy suitable to their needs. Its homeowners' insurance covers property and personal damage caused by natural calamities, pets, burglary, and other causes. It also protects homeowners from any liability and medical expenses when a guest gets injured in their homes. Other policy offerings include auto, motorcycle, recreational vehicle, watercraft and boat, life, as well as business and commercial.

  • Multiple Policy Types

1656 S Lumpkin Rd, Columbus, GA 31903

Expertise.com Rating

Review Sources

Google
4.3 (47)
Facebook
5.0 (15)
Yelp
1.0 (1)

Why choose this provider?

Kite Insurance Agency is a Columbus-based insurance agency operating and providing financial assistance since 1984. The company's agents help residential clients to file for home insurance policies and avail other insurance products depending on their needs. The team is also available for any financial or insurance consultation when clients need professional assistance. For the past 30 years, the business has been handling insurance matters and offering coverages for condo, rent, automobile, flood, personal watercraft, and business.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

5964 Veterans Pkwy, Columbus, GA 31909

Expertise.com Rating

Review Sources

Google
5.0 (119)
Facebook
5.0 (41)

Why choose this provider?

Proverb Insurance Agency is an insurance company that provides homeowners' insurance in Columbus. It offers financial protection against situations at home that would involve fire, theft, vandalism, or falling objects. The company's in-depth knowledge of insurance products and guidelines allows them to choose the suitable insurance policy for each home. It also provides other personal insurance like life insurance, renters insurance, auto insurance, and high net worth insurance. Customers have expressed satisfaction with the coverage and insurance policies they received from the company.

  • Personal Property Insurance
  • Multiple Policy Types

4511 Armour Road, Columbus, GA 31904

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
4.5 (8)

Why choose this provider?

Ragan Insurance Agency Inc. is an independent insurance agency with locations in Columbus and LaGrange. The agency, which was established more than five decades ago, helps clients find homeowners insurance coverage that matches their needs and budgets. The agency represents a variety of insurance carriers, including Columbia Insurance Group, Great American Insurance, and Berkshire Hathaway Insurance, among many others. Ragan Insurance Agency Inc. currently serves clients located in the states of Georgia and Alabama.

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

3902 Hamilton Rd, Columbus, GA 31904

Expertise.com Rating

Review Sources

Google
4.7 (70)
Facebook
5.0 (2)

Why choose this provider?

Capparelle's Insurance is a team of insurance professionals located in Columbus. The agency assists clients with various insurance products, including home insurance. It offers home insurance policies for clients with different credit scores and clients with and without credit claims. The company also provides home insurance for new homeowners. Additionally, the professionals at the agency also offer renters' and commercial insurance policies. The family-owned and -operated business has been in service since 1983.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
A-1 Auto Insurance
3603 Victory Drive, Columbus, GA 31903
Culpepper Insurance Agency Inc
5510 Veterans Parkway, Columbus, GA 31904
Aaron Warren - State Farm Insurance Agent
4931 14th Ave, Columbus, GA 31904-5920
Tony Knight Agency LLC
5734 Windsor Drive, Columbus, GA 31909
Kite Insurance Agency
1656 S Lumpkin Rd, Columbus, GA 31903
Proverb Insurance Agency
5964 Veterans Pkwy, Columbus, GA 31909
Ragan Insurance Agency Inc.
4511 Armour Road, Columbus, GA 31904
Capparelle's Insurance
3902 Hamilton Rd, Columbus, GA 31904

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 homeowners' insurance mandatory in Columbus?

    In Columbus, homeowners are not required by law to purchase insurance. However, lending institutions in Georgia may require homeowners' insurance coverage to finance a property purchase. This requirement stems from the lender's vested interest in ensuring that the property is protected against potential risks and perils, thus safeguarding their investment.

  • In Columbus, does homeowners' insurance include coverage for jewelry?

    Yes. In Columbus, homeowners' insurance does cover valuable items like jewelry, but there are limits. Standard homeowners' policies only cover up to $1,500 for jewelry theft. However, policyholders have the option to increase coverage through "Blanket" coverage. By adding this to their policies, they can raise the coverage limit for a whole group of valuable items, such as a collection of jewelry, to ensure it is insured for a higher amount.

  • Are medical expenses for guests injured inside a home in Columbus covered by homeowners' insurance?

    Yes, homeowners' policies include a no-fault medical coverage feature, which can cover medical expenses for guests who sustain injuries within the insured home in Columbus. Additionally, the liability section of homeowners' policies offers protection against legal actions resulting from bodily injury or property damage caused by the insured individual or their family members to others.

  • Do you need a homeowners' insurance even if you do not own a home in Columbus?

    Individuals who do not own homes in Columbus don't need homeowners' insurance. This form of insurance is designed for property owners to safeguard their properties and belongings. However, if one is renting a residence or residing in a condominium or apartment, considering renters' insurance or similar coverage might be wise to protect personal belongings and ensure liability coverage.

  • What does standard homeowners' insurance cover in Columbus?

    A homeowners' insurance policy in Columbus provides coverage for:

    • Damage to a home and any separate structures.
    • Personal possessions and contents.
    • Extra living costs in the event the home is rendered unlivable.
    • Personal liability that protects property owners against claims or lawsuits resulting from mishaps on their properties that result in third-party property damage or personal injury.
  • 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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