Auto/Home Insurance Recommendations

We have sought information about home insurance claims from a Trust Public Adjuster (Any Molar). You can find a link to his website at https://www.tpageorgia.com/ (the people’s adjuster) for Expertise in Public Adjusting for home and commercial claims. Their input was used when creating the recommended list below, because the goal is always to bundle to save money.

Making Informed Choices

As your trusted partner, we are committed to providing you with the information you need to 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 due. 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 let us assist you in navigating your insurance requirements with confidence.

Tricks of the Insurance Agent trade:

Premier Tier Recommendations

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

1. Country Financial: affordable
2. Cincinnati: reasonably priced
3. USAA: catering to military members, veterans, and their families.
4. Amica: anticipated to be the most costly
5. Central Mutual: They might be relocating or leaving Georgia. Ask your broker for pricing if they sell them.

Second Tier Insurance Recommendations

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

1. Hagerty (primarily for Antique and Specialty Vehicles)
2. Root Insurance: A newer company handles claims fairly but can be very slow with claims.
3. Acuity: A newer company handles claims fairly.
4. American Family: Processes claims fairly; their policies include an appraisal clause. If they cause payment issues, you have options, showing they are not meant to exploit their customers.
5. Mercury: Processes claims fairly; its policies include an appraisal clause. If they cause payment issues, you have options, showing they are not meant to exploit their customers.
6. MetLife: Processes claims fairly; its policies include an appraisal clause. If they cause payment issues, you have options, showing they are not meant to exploit their customers.
7. Hartford: Processes claims fairly; its policies include an appraisal clause. If they cause payment issues, you have options, showing they are not meant to exploit their customers.
8. Progressive: Initial claims that representatives are often untrained and clueless are common, but experts generally get it right. Policies include appraisal clauses offering options for payment issues, indicating they’re policies are not meant to exploit customers.
9. Farmers: Initial claims processors can be difficult, but once the appraisal clause is invoked and experts get involved, claims are processed fairly most of the time. Policies include an appraisal clause that provides options if payment issues arise, showing they’re not meant to exploit customers.
10. Hanover – Good with home and auto claims, has an appraisal clause, and works well with public adjusters on home claims.
11. Travelers – – Good with home and auto claims, has an appraisal clause, and works well with public adjusters on home claims.
12. Liberty Mutual (if you have this company, send us your policy; we have noticed some changes that we are monitoring, which may remove them from the recommended page)

Recommended rideshare auto insurance companies (remember to tell the insurance provider you’re using it for rideshare)

1. Root
2. Mercury
3. Farmers
4. Travelers

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 exceeding $3 million), and complex insurance portfolios that include valuable assets such as jewelry, fine art, or collections.

Recommended Commercial Auto Insurance Providers

1. Foremost -Foremost typically insures small business vehicles (up to 9 vehicles, lighter duty up to ~33k lbs), with a wide range of business uses (contractors, landscapers, retail/service, food services) through its commercial auto offering. Additionally, they offer small business coverages like general liability and property insurance for smaller operations.
2. Selective – Businesses they insure: Contractor`, Private Schools, Manufacturers, Automotive Repair Shops, Professional Offices, Small Business.
3. Frankenmuth – Businesses they insure: Construction, Manufacturing, Office & Professional Services, Real Estate, Retail Stores, Wholesalers, Auto Repair Shops, Restaurants.
4. 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.
5. 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.