Auto, home, and umbrella from the same independent agency that protects Georgia and Florida landlords, truckers, and business owners. Twenty-plus carrier markets, a single point of contact, and a renewal review you never have to ask for.
Most households buy these one at a time from three different places, then find out at claim time that the limits never lined up. We write all three.
We insure commercial fleets and owner-operators for a living, which means we read driving records all day. If a direct quote came back high or you were declined, that is usually a carrier-selection problem, not a you problem.
The coverage that actually pays is the coverage nobody explains: replacement cost versus actual cash value on the roof, water backup, ordinance and law, and the percentage wind deductible buried on page four.
Your auto policy stops at a limit. A serious injury claim can clear it in an afternoon, and everything past that limit comes out of your house, your savings, and your future income.
Every agency says they shop multiple carriers. Here is what that actually means on the day it matters to you.
Your umbrella will not sit on limits it does not know about. Most umbrella carriers require specific underlying auto and home limits. If your auto is at the state minimum, the umbrella may not respond the way you assume.
Split accounts get re-shopped one at a time. Which means re-explaining your situation every year to whoever happens to answer the phone.
Multi-policy discounts are real money. Bundling is not a gimmick. It is usually the single largest discount available on both policies.
A 15-minute review of your auto, home, and umbrella coverage. We will tell you where you are exposed and whether bundling saves you anything. If everything already looks good, we will tell you that too.
Whatever you have. Auto, home, or both. That one step answers most of what we would otherwise have to ask you.
Line by line. What is covered, what is not, and where your limits stop relative to what you actually own.
No pressure to move anything. Plenty of clients keep a policy right where it is because it is priced well.
No. Plenty of clients start with one line. Often umbrella, because it is the fastest conversation, and move the rest at their next renewal. We will tell you honestly if a policy you already have is priced well and should stay where it is.
No. Our commission is built into the carrier’s rate whether an agent is involved or not. You are not paying a markup for having someone read the policy with you.
Often, yes. That is one of the main reasons people call an independent agency. Declines are frequently a carrier-appetite issue rather than a reflection of the risk, and a different market may price it normally. Tell us what happened and we will tell you straight whether we have somewhere to place it.
Pinnacle Risk Advisors is licensed in Georgia, Florida, Texas, Indiana, Utah, North Carolina, and South Carolina. Carrier availability varies by state and by line, so tell us where the property or the vehicles are garaged and we will tell you what we can do.
For most households: names and dates of birth, the address, the vehicles, and your current declarations page. The dec page is the big one. It saves you answering twenty questions and it lets us compare coverage honestly instead of just quoting a price against a price.
Yes, and that is usually a separate conversation. Rental property is written on a landlord or dwelling fire policy, not a homeowners policy. If you own rentals, start on our landlord insurance page, and ask us about a personal umbrella while you are at it, because owning rentals is one of the strongest reasons to carry one.
Independent commercial insurance for landlords, truckers, and business owners across Georgia and Florida.
2700 Cumberland Pkwy SE, Atlanta, GA 30339