General FAQs

My renewal went up. Should I shop around?

All FAQs

Quick answer: Whether shopping around lowers your cost depends on your rate increase and profile; a coverage review runs quotes across the carrier network. We can run quotes across our carrier network within a business day.

When a renewal goes up, shopping the market lets you compare your current price against other carriers; an independent agent compares matching coverage so the quotes are apples to apples. A renewal increase does not always mean your carrier treated you unfairly. Rates across Georgia have risen for many homeowners and drivers because of higher repair costs, more severe storms, and inflation in building materials. Still, a jump is a good trigger to check whether you are still with the right carrier at the right price.

Understanding why the premium rose comes before any decision to switch. Common reasons include a statewide rate increase, a claim on your record, a credit or insurance-score change, a roof or home aging past a threshold, or the loss of a discount. A lower price sometimes comes from adjusting your deductible, bundling home and auto, or restoring a lost discount rather than changing carriers at all.

Shopping the open market on your own can be slow and confusing because each carrier asks slightly different questions and offers different coverage. An independent agent can run your profile across multiple carriers at once and flag where coverage differs, so you are not trading a lower price for thinner protection.

Here is a realistic example. A homeowner in Lawrenceville sees a renewal rise from $1,850 to $2,380, a 29 percent jump driven by a statewide rate filing and an aging roof. Instead of accepting it, the homeowner asks an agent to shop. The agent finds a carrier that views the roof differently and quotes $1,990 with the same dwelling limit and a comparable deductible, saving about $390 a year without cutting coverage.

Comparing coverage matters as much as comparing price. A cheaper policy with lower limits or new exclusions can cost far more after a claim, which is why the fine print gets read line by line. Learn more about your homeowners insurance options, then a free coverage review is where a licensed advisor shops it for you so coverage stays intact while the price is checked.