Making Informed Choices

As your trusted partner, we are committed to providing you with information to help you make informed insurance decisions. In recognition of the importance of a fair claims process, we have carefully reviewed various insurers to offer you effective guidance.

Our Position

We uphold principles of fairness and transparency. It is our belief that resorting to legal action against your insurance provider should never be necessary for you to receive what you are duly owed. The appraisal clause is an essential element of a fair claims process, allowing for an independent assessment of your claim’s value.

Stay Informed

Selecting the right insurance company involves more than merely comparing premiums. It requires understanding how claims are processed to ensure you are adequately protected when needed. Stay informed, ask pertinent questions, and allow us to assist you in navigating your insurance requirements with assurance.

Premier Tier Recommendations

For comprehensive coverage and excellent claims service, we recommend considering the following companies:

1. Country Financial: affordable
2. Central Mutual: is leaving Georgia soon
3. Cincinnati: reasonably priced
4. USAA: catering to military members, veterans, and their families.
5. Amica: anticipated to be the most costly

Second Tier Insurance Recommendations:

These companies are acknowledged for their fairness in claims processing, although they rank slightly below our top-tier selections:

1. Root Insurance
2. American Family
3. Travelers
4. Mercury
5. Farmers
6. Hagerty (primarily for Antique and Specialty Vehicles)
7. MetLife
8. The Hartford
9. Georgia Farm Bureau
10. Progressive
11. Liberty Mutual

Recommendations for Individuals with High Net Worth

For individuals with a net worth exceeding $1 million, the following insurers provide specialized services:

1. PURE Insurance Group: PURE defines high net worth individuals as those owning homes with a replacement value of $1 million or greater. They also cater to clients with significant collections, requiring large liability umbrella coverage (typically over $3 million), and high incomes.
2. Vault Insurance: Vault considers high net worth individuals to have substantial assets, typically in the multi-million-dollar range. While they do not publicly advertise a specific minimum net worth, their clientele generally includes individuals with large homes, luxury vehicles, and other high-value assets. Vault specializes in customized insurance solutions to protect these assets.
3. Cincinnati Private Client Insurance: For Cincinnati Insurance, “high net worth” typically refers to individuals and families with homes valued at $1 million or more, or those needing specialized coverage for assets such as fine art, jewelry, yachts, or high-end cars. The Executive Capstone program is specifically designed for this market, offering specialized coverage features and limits.
4. Nationwide Private Client: Nationwide defines high net worth in its Private Client insurance offerings based on the value of the homeowner’s property and potential rebuild cost. This typically includes homes with a rebuild value exceeding $750,000 to $1,000,000 or more. Additional factors include high-value vehicles, significant liability umbrella coverage (often over $3 million), and complex insurance portfolios featuring valuable assets like jewelry, fine art, or collections.

Recommended Commercial Auto Insurance Providers

1. Selective – Businesses they insure: Contractors, Private Schools, Manufacturers, Automotive Repair Shops, Professional Offices, Small Business.
2. Frankenmuth – Businesses they insure: Construction, Manufacturing, Office & Professional Services, Real Estate, Retail Stores, Wholesalers, Auto Repair Shops, Restaurants.
3. Columbia – Insurance for: Auto Dealers, Auto Repair Shops, Agriculture, Business Liability, Commercial Auto, Commercial Property, Contractors, Cyber Liability, Landlords, Group Health, Franchise Businesses, Restaurants, Towing & Recovery, Wineries, Workers’ Compensation. For more information, please visit Columbia’s website.
4. Progressive – Insurance options include: Commercial Auto, Business Insurance, General Liability, Professional Liability, Workers’ Compensation, Business Owners Policy, Cyber Insurance, Health, Food Trucks, Dump Trucks, Tow Trucks, Van Insurance, Barbers, Hair/Beauty, Restaurants, Photographers, Videographers, Accountants, Lawyers, Architects, Engineers, Cleaning Services, Dry Cleaning, Funeral Homes, Home Inspectors, Roofers, Painters, Plumbers, etc.

For information on other insurance companies, please contact us for further details.