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HomeHome Insurance AgentsGeorgia › St Simons Island

Find Home Insurance Agents Near You in St Simons Island, GA

Browse home insurance agents serving St Simons Island, Georgia. Updated 2026-07-14.

The top-rated home insurance agent in St Simons Island, Georgia is Maggie Dutton - State Farm Insurance Agent, rated 5.0 stars across 308 reviews. Other highly rated options include The Live Oak Insurance Agency, Seban's Insurance Solutions, Fleet Risk Management Inc. This directory lists 16 home insurance agents serving St Simons Island.

Showing 16 home insurance agents in St Simons Island, GAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Maggie Dutton - State Farm Insurance Agent400 Main St STE 7(912) 638-1881
2The Live Oak Insurance Agency1700 Frederica Road Suite 305 St. Simon's Island(912) 434-4220
3Seban's Insurance Solutions312 Plantation Chase(912) 638-0552
4Fleet Risk Management Inc2485 Demere Rd #100(912) 638-8277
5Robinson & Associates Insurance, Inc4 Retreat Pl(912) 638-9717
6Turner & Associates Insurance125 Longview Plaza Driveway(912) 265-2840
7McGinty-Gordon & Associates225 Marina Dr(912) 638-8600
8Oakbridge Insurance225 Marina Dr(912) 638-8600
9Lara K Carlson - Aflac Insurance Agent106 Riverview Dr(912) 289-4292
10Gallagher Insurance, Risk Management & Consulting2485 Demere Rd 100 St(912) 638-8277
MD
400 Main St STE 7
Maggie Dutton - State Farm Insurance Agent
Home Insurance Agent · St Simons Island, GA

Maggie Dutton - State Farm Insurance Agent serves the St Simons Island, Georgia area, offering home insurance policies for local property owners. The agency helps clients protect their houses and personal belongings against regional risks like moisture damage, wind, and fire. Coverage options include rebuilding cost protection and liability for accidents on the property. This office assists with bundling homeowners and auto policies to simplify protection and reduce overall premiums for residents on St Simons Island.

LO
1700 Frederica Road Suite 305 St. Simon's Island
The Live Oak Insurance Agency
Home Insurance Agent · St Simons Island, GA
SS
312 Plantation Chase
Seban's Insurance Solutions
Home Insurance Agent · St Simons Island, GA

Seban's Insurance Solutions serves homeowners, property managers, and local businesses in St Simons Island, Georgia, by assisting them in securing home insurance policies that protect against coastal weather and theft. The agency helps clients compare coverage options to find the right level of dwelling and liability protection for their property. Its services also include guiding customers through the process of adjusting their policies as needs change. The company additionally covers home insurance needs for the neighboring community of Brunswick and the surrounding Glynn County area.

FR
2485 Demere Rd #100
Fleet Risk Management Inc
Home Insurance Agent · St Simons Island, GA

Fleet Risk Management Inc serves St Simons Island and the surrounding Glynn County communities, handling home insurance policies for local property owners. The company focuses on ensuring adequate coverage for residences, including protection against common coastal concerns. In managing a typical policy, it assesses individual property risks and then matches homeowners with appropriate plans from its network of carriers. This process involves a detailed review of the dwelling’s unique exposure factors to provide a balanced selection of coverage options for each client.

RA
4 Retreat Pl
Robinson & Associates Insurance, Inc
Home Insurance Agent · St Simons Island, GA

When seeking home insurance coverage, a homeowner may choose either a one-time policy placement or an ongoing service relationship that reviews needs year after year. Robinson & Associates Insurance, Inc, based in St Simons Island, GA, specializes in helping local homeowners secure property protection tailored to their individual risks. Their services address standard coverage for dwelling, personal belongings, and liability. Advice on relevant endorsements, such as flood or windstorm provisions, is available for this coastal area. Client assistance with policy renewals, claims support, and coverage adjustments is provided strictly on an as-needed basis.

TA
125 Longview Plaza Driveway
Turner & Associates Insurance
Home Insurance Agent · St Simons Island, GA

Turner & Associates Insurance provides home insurance agent services on St Simons Island, Georgia, specializing in coverage options for coastal properties. Its general service work includes helping homeowners select and compare standard policies, protecting residential structures and personal belongings against common risks. The company also assists clients with the fine print of policies and explaining coverage limits for typical perils in the region. It specifically aids homeowners with insurance concerns related to hurricane season, ensuring properties have adequate protection against wind and water damage before storms arrive.

MG
225 Marina Dr
McGinty-Gordon & Associates
Home Insurance Agent · St Simons Island, GA

As coastal storm season approaches on St Simons Island, McGinty-Gordon & Associates helps homeowners review their coverage limits to ensure adequate protection against wind and flood damage. The agency operates as a home insurance agent, connecting local property owners with policies tailored to the area’s unique weather risks and older housing stock. They advise on dwelling coverage and liability options suited to beachside properties. Each new customer begins with a thorough on-site inspection to document the home’s condition and identify any specific coverage needs.

OI
225 Marina Dr
Oakbridge Insurance
Home Insurance Agent · St Simons Island, GA

Oakbridge Insurance, located in St Simons Island, Georgia, distinguishes between one-time policy structuring and recurring annual adjustments for home insurance needs. Their focus is on securing dwelling coverage, personal property protection, and liability safeguards against local risks like wind and flood damage. Service operates on an annual or as-needed basis, typically at policy renewal or when property conditions change.

LK
106 Riverview Dr
Lara K Carlson - Aflac Insurance Agent
Home Insurance Agent · St Simons Island, GA

Based in St Simons Island, Georgia, Lara K Carlson - Aflac Insurance Agent works with homeowners to secure essential coverage for their properties. The agency specializes in supplemental policies that address specific gaps found in standard plans. These specialty add-ons can provide financial protection for items and situations not covered by a basic homeowners policy. Local home insurance agents in this area understand the need to safeguard residential structures from common regional weather events. This firm can also serve commercial clients, including offices, warehouses, and food service businesses.

GI
2485 Demere Rd 100 St
Gallagher Insurance, Risk Management & Consulting
Home Insurance Agent · St Simons Island, GA

Gallagher Insurance, Risk Management & Consulting provides comprehensive residential home insurance services for properties on St Simons Island, Georgia. The agency also offers commercial coverage tailored to businesses in the surrounding coastal area, ensuring clients can protect both personal and professional assets under one relationship. Policies are reviewed to match the unique weather and property conditions of the region. Agents remain available for follow-up questions or adjustments to coverage between the regular policy review visits.

HA
2483 Demere Rd Ste 202
The Hawthorne Agency Inc
Home Insurance Agent · St Simons Island, GA
(912) 222-6465
PC
St Simons Island, GA 31522
Premiere Coastal Insurance Group
Home Insurance Agent · St Simons Island, GA
(912) 268-2691
NY
400 Main St STE 4
New York Life
Home Insurance Agent · St Simons Island, GA
(912) 638-9291
newyorklife.com
PJ
311 Plantation Chase
Paul Jackson Insurance
Home Insurance Agent · St Simons Island, GA
(912) 638-6500
IO
1624 Frederica Rd Suite 4
Insurance Office of America
Home Insurance Agent · St Simons Island, GA
(912) 208-3993
ioausa.com
GI
146 Shore Rush Dr
Golden Isles Captive Insurance
Home Insurance Agent · St Simons Island, GA
(229) 630-1772

What Does a a Home Insurance Agent in St Simons Island Cost?

Typical home insurance costs in St Simons Island range from 1200 to 3000 dollars per year for a standard policy, depending on home value and construction. Windstorm deductibles add cost, and flood insurance averages 700 to 1500 dollars annually. Actual premiums vary by property age, risk factors, and coverage limits. This is general information, not insurance advice.

About home insurance agents in St Simons Island

Home insurance agents in St Simons Island help homeowners protect their property against coastal risks like hurricanes and flooding. Georgia law requires insurers to offer windstorm coverage in designated coastal areas. Agents can explain policy options and help you comply with mortgage lender requirements.

Frequently Asked Questions

What does a home insurance agent in St Simons Island do?

A home insurance agent helps you compare policies from different carriers and find coverage that fits your needs. They explain deductibles, limits, and exclusions for wind and flood damage. Agents also assist with claims filing and policy changes.

Is flood insurance required in St Simons Island Georgia?

Flood insurance is not required by Georgia state law, but mortgage lenders in flood zones typically mandate it. St Simons Island is in a high-risk coastal area, so many homeowners choose flood coverage. Standard home policies do not cover flood damage.

How do Georgia windstorm laws affect home insurance on St Simons Island?

Georgia law requires insurers to offer windstorm coverage in coastal counties including Glynn County. This coverage has a separate deductible, usually 2 percent to 5 percent of the home value. Agents can explain how this works for your specific property.

Home Insurance Agents in Other Georgia Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.