Most Georgia homeowners and drivers have not reviewed their coverage since they first set it up. Rates have changed. Life has changed. Your policies may not have kept pace. Our team reviews what you have, explains what it covers, and tells you honestly whether anything needs to change — at no cost and with no obligation.
Mon–Fri 8AM–5PM · Sat by appointment · After hours calls returned next business day
You do not need a special reason to request a review. But if any of these applies, it is worth the conversation.
Georgia home insurance rates rose nearly 12% in the past year and auto rates have climbed sharply. If your renewal came in higher than expected and you did not receive a clear explanation, we review your policy, explain what is driving the increase, and walk through your options honestly.
Homeowners insurance placed at closing is often structured to satisfy the lender's minimum requirements — not to reflect your home's actual replacement cost or your liability exposure. A post-closing review checks dwelling limits, personal property coverage, and whether your policy has wind, hail, or separate storm deductibles you may not know about.
Adding a teen driver is one of the most significant coverage changes a household makes. It affects your premium, your liability exposure, and which vehicle they are listed on. We review your current auto policy when you add a young driver and make sure your limits are appropriate — not just what Georgia requires.
Marriage, divorce, a new child, or a family member moving in or out can all affect your coverage needs. Life insurance in particular should be reviewed any time your dependents or financial obligations change. We look at the full picture, not just one policy.
Personal policies do not cover business activity. If you started working from home, purchased equipment, or launched a business, your existing home and auto policies may have gaps you are not aware of. We identify where personal coverage ends and where business coverage should begin.
Insurance needs change as life does. If your coverage has not been reviewed since you first set it up, there is a reasonable chance it no longer reflects your current situation, home value, or assets. A review takes 20 to 30 minutes and gives you clarity — even if nothing needs to change.
A coverage review is not a sales call. It is a structured conversation in which we go through your current policies line by line and explain what each part covers — and what it does not. We do not assume you know what your deductibles are, what your liability limits mean in practice, or whether your dwelling coverage reflects what it would actually cost to rebuild your home today.
We tell you what we find. If your coverage is appropriate for your situation, we tell you that. If we identify something worth changing, we explain it clearly and let you decide. There is no pressure, no obligation, and nothing to sign.
We check whether your dwelling limit reflects what your home would actually cost to rebuild — not just its market value or original purchase price, both of which can differ significantly from rebuild cost.
Georgia insurers increasingly apply separate wind and hail deductibles that can reach 5% of your insured value. We identify whether you have one and what it means in a real claim scenario.
Georgia's minimum 25/50/25 requirement is a legal floor — not a recommendation. We review whether your current limits are appropriate for your assets and explain what happens when a claim exceeds your policy.
With 19% of Georgia drivers uninsured, this is one of the most important coverages on the road. We check whether you have it, at what limit, and whether it matches your auto liability coverage.
If your life insurance was set up years ago and your income, mortgage, or family situation has changed, your coverage amount may no longer be adequate. We walk through what you have and whether it still fits.
Four steps from first contact to a clear picture of your coverage.
Call us at 770-268-4418 or fill out the form on this page. We respond the same business day. Let us know which policies you want to review — home, auto, life, or all three.
We go through your existing coverage in detail — limits, deductibles, exclusions, and anything that has changed since your policy was last updated. You do not need to gather paperwork in advance. A declarations page is helpful but not required to get started.
We explain what your current coverage does and does not cover in plain language. If we identify gaps or changes worth considering, we explain them clearly. If everything looks appropriate for your situation, we tell you that too.
There is no obligation to make any changes. If you want to adjust your coverage, we help you do that. If you want to think about it, that is fine too. The review is informational — the decision is always yours.
Fill out the form and a licensed agent will follow up the same business day. Reviews take 20 to 30 minutes by phone or in person at our Buford office.
Calls after 5:00 PM will be returned the next business day.
A review can begin without any documents — but having these on hand makes it more detailed:
None of these are required. We can still conduct a useful review without them.
A 20-minute conversation with a licensed Georgia agent gives you a clear, honest picture of what your current policies actually cover. Schedule yours today.