Personal Insurance in Decatur, GA, Handled by One Local Agency
Focus Insurance Group is a family-owned independent agency that compares auto, home, and specialty coverage across multiple carriers, so you aren't stuck with one company's price or the gaps between separate policies.
Why Decatur Families Keep Their Insurance With Us
Shopping for personal insurance usually means filling out a quote form with one company, then another, and trying to compare policies that don't line up. We do that comparing for you. We look at coverage and price side by side and explain the trade-offs in plain language before you decide anything.
Several Carriers, One Conversation
As an independent insurance agent, we work with carriers including GEICO, Progressive, Liberty Mutual, Foremost, and Universal. One call gets you options from several of them.
Straight Talk About Price and Coverage
We show you what a lower premium gives up and what a higher limit costs. That way you choose coverage on purpose, not by default.
Bundling When It Makes Sense
A home and auto insurance bundle can lower your total cost and close gaps between policies. We quote bundled and separate options so you can see whether a multi-policy discount is worth it, and we can add a
personal umbrella policy on top.
Four Decades on Lawrenceville Highway
We've been family-owned for more than 40 years and at the same Decatur location since 1989. When you call, you reach people who know you.
Personal Coverage for What You Drive, Where You Live, and Who You Love
Insurance by Industry
Some businesses need coverage a standard policy won't anticipate. We build packages for storefronts, restaurants, hair salons and barbershops, and businesses that run work vehicles.
Auto Insurance
Georgia requires (404) 633-3333 liability coverage, but that minimum rarely covers a serious accident in metro Atlanta traffic. For car insurance in Decatur, GA, we compare auto insurance quotes across carriers, including liability limits, uninsured motorist coverage, and full coverage.
SR22 / SR22A Auto Insurance
If Georgia requires an SR22 or SR22A filing, we place the policy, handle the filing with the carrier, and compare SR22A insurance rates across carriers that write high-risk auto coverage.
Motorcycle Insurance
Liability, physical damage, and custom parts coverage for your bike, compared across carriers and easy to keep alongside your auto policy.
ATV Insurance
Most homeowners policies limit or exclude ATVs off your property. We place coverage for theft, damage, and liability wherever you ride.
Watercraft Insurance
Boat, pontoon, and jet ski coverage for weekends on Lake Lanier and beyond, including liability and the proof of insurance many marinas require.
Travel / RV Insurance
Coverage for motorhomes, travel trailers, and campers, including your belongings on board and liability at the campsite.
Insurance by Industry
Some businesses need coverage a standard policy won't anticipate. We build packages for storefronts, restaurants, hair salons and barbershops, and businesses that run work vehicles.
Homeowners Insurance
From Decatur bungalows to newer builds in Tucker, we check that your dwelling coverage matches today's rebuild costs and explain your wind, hail, and tree-fall terms.
Condo Insurance
An HO-6 policy covers what your HOA master policy leaves out, including interior improvements, belongings, liability, and loss assessments.
Renters Insurance
Request Decatur, GA renters insurance quotes for your belongings and liability, with the proof of insurance many Decatur-area landlords require before move-in.
Landlord Insurance
A homeowners policy usually doesn't fit a house you rent out. Landlord coverage covers the dwelling, your liability, and lost rental income.
Vacant Home Insurance
Many homeowners policies restrict coverage once a house sits empty. We insure inherited homes, homes on the market, and rentals between tenants.
Mobile Home Insurance
Manufactured home coverage for the dwelling, your belongings, and storm damage, through carriers that write mobile homes, including Foremost.
Insurance by Industry
Some businesses need coverage a standard policy won't anticipate. We build packages for storefronts, restaurants, hair salons and barbershops, and businesses that run work vehicles.
Farm Ranch Insurance
Coverage for hobby farms, horse property, and rural land anywhere in Georgia, including barns, equipment, and farm liability.
Flood Insurance
Standard homeowners policies don't cover flooding. We place flood coverage for homes near DeKalb's creeks and beyond, ideally well before storm season.
Pet Insurance
Accident and illness coverage that helps with the cost of unexpected vet bills for your dog or cat.
Coverage Built Around the People We Serve
We write personal insurance for households at every stage, including:
- Families who want auto, home, and umbrella coverage reviewed together
- First-time homebuyers and condo owners who need a policy in place before closing
- Renters who need proof of insurance for a landlord
- Drivers comparing premiums after a renewal increase, or needing an SR22 filing
- Landlords, and owners of vacant or inherited homes
- Riders, boaters, and RV owners who want their weekend vehicles covered properly
From First Call to Coverage That Keeps Up With You
Start With a Conversation
Call us and tell us what you drive, what you own, and what's been frustrating about your current insurance. There's no form to fill out first.
Review Your Current Coverage
We go through your current policies to spot gaps, overlaps, and limits that no longer fit your life.
Compare Your Options
We quote coverage from multiple carriers, bundled and separate, and walk you through the differences in price and protection.
Keep Coverage Aligned Over Time
When you buy a home, add a driver, or your renewal jumps, we re-shop and adjust your coverage so it stays current.
What Our Neighbors Say After the Policy Is Written
Personal Insurance for Decatur and Nearby Communities
Our office is in Decatur, and most of our clients live within a short drive of it. We insure families in North Decatur, Avondale Estates, Scottdale, and Oak Grove. We also serve homeowners and drivers in Tucker, Stone Mountain, Chamblee, and Brookhaven. We're licensed throughout Georgia, so we can keep your coverage in place if you move elsewhere in the state.
A Family Agency That Has Stayed Put Since 1989
Focus Insurance Group has been family-owned and operated for more than 40 years. We've been at 2373 Lawrenceville Highway since 1989 and have moved only twice in the agency's history. Many of our clients have trusted us with their cars, then their first homes, then their kids' first policies.
Questions Decatur Families Ask About Personal Insurance
Is it cheaper to bundle home and auto insurance in Georgia?
Often, but not always. Many carriers offer a multi-policy discount when you bundle home and auto insurance, but a separate carrier for each policy can sometimes cost less overall. Because we're independent, we quote both ways so you can see the difference.
What personal insurance do I need as a homeowner?
Most homeowners need homeowners insurance, auto insurance with liability limits above Georgia's minimum, and in many cases an umbrella policy. Your mortgage lender will require home coverage. Flood insurance is worth a look too, since standard homeowners policies exclude it.
Can I bundle renters and car insurance?
Yes. Many carriers discount renters and auto insurance written together, and renters coverage usually costs little. We can compare bundled renters and auto options across carriers in one call.
Do I need umbrella insurance if I already have home and auto?
An umbrella policy pays after your home or auto liability limits run out, so it matters most if a serious claim could exceed those limits. Households with teen drivers, a pool, rental property, or significant savings often consider one. We'll look at your current limits and help you decide.
Does my homeowners policy cover my boat, ATV, or RV?
Usually not fully. Homeowners policies often limit or exclude coverage for boats, ATVs, and RVs, especially away from your property. We review your policy and place separate coverage where the gaps are.
What's the benefit of an independent insurance agent over buying direct?
A company's own agent or website can only offer that company's policies. An independent insurance agent compares several carriers, so you can see more than one price and coverage option before choosing.
One Call to Review Everything You Insure
If your policies are spread across different companies, or your last renewal didn't make sense, let's look at it together. We'll compare your options across carriers and show you exactly what you'd be paying for.
