The top-rated condo insurance agent in St Simons Island, Georgia is Maggie Dutton - State Farm Insurance Agent, rated 5.0 stars across 316 reviews. Other highly rated options include The Live Oak Insurance Agency, Seban's Insurance Solutions, Fleet Risk Management Inc. This directory lists 18 condo insurance agents serving St Simons Island.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Maggie Dutton - State Farm Insurance Agent | 400 Main St STE 7 | (912) 638-1881 |
| 2 | The Live Oak Insurance Agency | 1700 Frederica Road Suite 305 St. Simon's Island | (912) 434-4220 |
| 3 | Seban's Insurance Solutions | 312 Plantation Chase | (912) 638-0552 |
| 4 | Fleet Risk Management Inc | 2485 Demere Rd #100 | (912) 638-8277 |
| 5 | Truist | 501 Sea Island Rd | (912) 638-7966 |
| 6 | Salem & Co | 301 Plantation Chase | (912) 666-6165 |
| 7 | Robinson & Associates Insurance, Inc | 4 Retreat Pl | (912) 638-9717 |
| 8 | Turner & Associates Insurance | 125 Longview Plaza Driveway | (912) 265-2840 |
| 9 | Smoot Financial Group | 400 Main St STE 4 | (912) 549-8776 |
| 10 | McGinty-Gordon & Associates | 225 Marina Dr | (912) 638-8600 |
Maggie Dutton - State Farm Insurance Agent serves the St Simons Island, GA area as a local condo insurance agent. The company helps property owners protect their investments with tailored coverage plans. Services address common needs for coastal condominiums, including protection for interior structures, personal belongings, and liability risks. The agency guides clients through policy options that account for shared building elements unique to condo living. It assists with loss assessment coverage and personal liability protection specific to this region.
Seban's Insurance Solutions serves homeowners and property managers in St Simons Island, Georgia, who require tailored coverage for their condominium units. The agency provides consultation on various condo insurance policies, helping individuals protect their personal property and liability. It also assists property managers in securing master policies for entire condo associations. The company additionally extends its professional services to nearby Brunswick, ensuring that condo owners in that neighboring community have access to proper insurance guidance as well.
Serving St Simons Island and the surrounding coastal communities, Fleet Risk Management Inc handles condo insurance for local homeowners. It specializes in policies that cover individual units and shared building structures common in the area. The agency works to address the specific exposures of condominium living, including liability and dwelling protection. To manage each policy, it begins by assessing the property’s unique risk profile and association requirements before selecting appropriate coverage options.
A condo insurance agent in St Simons Island, GA may offer either one-time policy setup or recurring service for ongoing coverage adjustments. Truist handles association master policy gaps, personal liability, and interior damage protection for local coastal condos. Clients choose between a single transaction for a new policy purchase or scheduled reviews that update coverage as property values shift. Service runs on either a one-time basis for straightforward purchases or on a scheduled, recurring cycle for annual policy reviews.
As hurricane season approaches along the Georgia coast, condo owners on St Simons Island need specialized coverage that addresses wind and flood risks. Salem & Co provides tailored insurance policies for condominium associations and individual unit owners in the area. Their agents focus on matching policy terms with the specific building structures and community bylaws common to local oceanfront and marsh-view properties. An initial on-site inspection of the unit and common areas is the first step in identifying necessary coverage gaps.
Robinson & Associates Insurance, Inc specializes in tailoring condo insurance policies for individual unit owners in St Simons Island, GA. Its agents assess specific needs related to interior structures and personal liability beyond master policies. The agency works to match clients with coverage that protects personal belongings, dwelling modifications, and loss assessment exposure. This helps owners stay prepared for potential water damage from nearby coastal storms during hurricane season, as well as sudden fire or theft risks common in island communities.
Turner & Associates Insurance, located in St Simons Island, Georgia, provides coverage for condominium owners, addressing liability and property protection for individual units. The agency also offers specialized endorsements for flood damage, personal belongings, and loss assessment coverage. Condo association bylaws often require certain minimum policies, and the firm helps local clients navigate these requirements. Its services extend to commercial sectors such as offices, warehouses, and food service businesses needing tailored liability and property insurance solutions.
Based on its reputation, Smoot Financial Group provides dedicated condo insurance agent services in St Simons Island, GA. The team works with area homeowners to secure coverage that addresses the distinct needs of condominium living, including protection for interior fixtures and personal liability. Familiarity with local coastal property exposures and association master policy structures allows them to deliver practical risk guidance. For added protection, they can organize loss assessment coverage for shared buildings and common areas.
McGinty-Gordon & Associates offers residential condo insurance services to property owners on St Simons Island, Georgia. The company also provides commercial coverage for condominium associations and related village properties in the surrounding coastal area. Clients benefit from policies tailored to the specific risks of waterfront living and shared building structures. Staff members ensure that each policy aligns with the homeowners association requirements and local regulations. After the initial policy is set, agents follow up seasonally to review coverage needs between routine property inspections.
What Does a a Condo Insurance Agent in St Simons Island Cost?
The cost of condo insurance in St Simons Island Georgia typically ranges from 300 to 800 dollars per year for a standard HO6 policy. Factors like the unit value location near the water and chosen deductible affect the premium. Flood insurance adds 400 to 1000 dollars annually depending on flood zone and elevation. This is general information not insurance advice.
About condo insurance agents in St Simons Island
Condo insurance agents in St Simons Island Georgia help owners protect their units from risks like wind and flood damage common to the coast. Georgia law requires condo associations to maintain a master policy but individual unit owners still need their own HO6 policy for interior fixtures and personal property. A local agent can explain how Georgia statutes affect your coverage limits and deductibles.
Frequently Asked Questions
What does a condo insurance agent in St Simons Island do?
A condo insurance agent helps you find an HO6 policy that covers your personal property interior walls and liability. In Georgia the agent will also advise on flood insurance since St Simons Island is in a high risk coastal zone.
Do I need separate flood insurance for my St Simons Island condo?
Yes standard condo policies do not cover flood damage. Georgia coastal areas like St Simons Island require a separate flood policy through the National Flood Insurance Program or a private carrier. Your agent can help you purchase this.
What is the typical deductible for condo insurance in Georgia?
Deductibles for condo insurance in Georgia usually range from 500 to 2000 dollars. For wind and hail claims a separate percentage deductible often 1 to 5 percent of the dwelling limit may apply. Your agent will explain these options.
Condo Insurance Agents in Other Georgia Cities
Albany · Alpharetta · Athens · Atlanta · Augusta · Canton · Carrollton · Cartersville · Columbus · Dalton · Douglasville · Duluth · Dunwoody · Evans · Gainesville