Insurance rates aren’t based only on your personal claims history. In Georgia, increases are commonly driven by:

• rising rebuilding and labor costs
• storm losses across the region
• lawsuit and liability trends
• carrier-wide loss experience

A review helps determine whether your increase is market-driven — or whether your policy structure needs adjustment.

Not always.

Shopping can help in some situations, but moving too often can:

• reset deductibles
• create coverage gaps
• raise underwriting red flags

A proper review helps decide when shopping makes sense — and when staying put is the better move.

Not necessarily — but lower premiums often come with:

• higher deductibles
• limited endorsements
• exclusions that only appear during claims

That’s why we focus on understanding coverage first, not just comparing prices.

Market value and rebuild cost are not the same.

Rebuild cost depends on:

• materials and labor
• local construction costs
• home features and layout

Online estimates don’t reflect this accurately. We review replacement cost, not sales price.

Many families carry auto and home liability limits that haven’t kept up with lawsuit trends.

Umbrella coverage provides extra liability protection above those limits and is often more affordable than people expect — especially for families with assets to protect.

Some of the most common gaps we find include:

• water backup coverage
• loss of use limits
• jewelry and valuables
• outdated liability limits

These are often overlooked until there’s a loss.

No. Insurance shopping does not impact your credit score the way loan or mortgage inquiries do.

A review is simple and low-pressure. We:

1. look at what you currently have
2. explain what it covers (in plain English)
3. identify gaps or concerns
4. discuss options — only if changes make sense

There’s no obligation to switch.

Yes. As an independent agency, we work with multiple carriers and focus on matching coverage to your needs — not forcing everyone into a one-size-fits-all policy.

Not necessarily — and that’s okay.

We tend to be a good fit for people who:

• want clear explanations
• care about proper coverage
• value long-term relationships over quick transactions

If you’re only looking for the cheapest number without reviewing coverage, we may not be the best match.