Athens, Georgia · Independent insurance agency
Sit down, I’ll walk you through it.
Auto and home together, renters, life, umbrella, and the liability that comes with running something of your own. Bring what you’re paying now and we’ll start from there.
Most people ask one of these five before they ever ask for a number. Take them in whatever order you like.
Usually, yes — the two policies get priced as a pair, and the discount comes off both of them. Bring the pages you have now and I’ll lay the numbers side by side, so you can see it instead of taking my word for it. If bundling isn’t the better deal for you, I’ll say that too.
Plenty. Renters insurance covers your belongings and your liability, so a kitchen fire or a visitor’s fall doesn’t follow you around for the next decade. Most people pair it with their auto policy while we’re already on the phone, and we can look at both at once.
We write small business liability for shops, trades, and offices around Athens. We’ll talk about what you actually do all day, who comes onto the property, and what a claim would cost you out of pocket. You don’t need more coverage than the work requires — and you don’t want to find the gap the hard way either.
An umbrella is the layer above your auto and home limits — it’s what catches the claim that’s bigger than either policy will pay. Whether you need one depends on what you have to protect and what your underlying limits already are. We’ll look at both before anybody adds anything.
Same conversation, different part of it. For most households it’s term life, sized to whoever is counting on your income and for how long. Tell me who’s depending on you and roughly how long the mortgage runs, and we can work out the shape of it right there.
We’re independent, which means nobody is telling me which company to hand you. I look at what you have, what you owe, and what you’d rather not lose — then we build it from the ground up.
Not sure which one you need? Start with the bundle quote and we’ll sort it out on the call.
One conversation, two policies, a discount that comes off both. This is where most people start, and it’s usually where the biggest difference shows up.
Your belongings and your liability, whether you rent an apartment or a whole house. Simple coverage, and it keeps a bad afternoon from turning into a bad year.
For the day a customer slips, or the work you did gets blamed for damage. Written to fit the business you actually run, not a trade you don’t.
For the people counting on your income. Usually term, usually simpler than people expect — we’ll figure out how much and how long, then leave it alone.
The layer above your auto and home limits, for the claim that outruns them. Worth a look once we know what you already carry underneath.
Give me the few things below and I’ll call you back with the bundled figure — auto and home priced together, next to what you’re paying now. Talk it through with me before you decide anything.
What happens next
If a form isn’t how you want to do this, call. We’ll go through the cars, the house, whoever else drives, and whatever else is keeping you up — out loud, in one sitting.
(706) 555-0188Athens, Georgia & the roads around it