Personal Insurance Lines

You don’t need an insurance policy. You need a personal insurance agent.

Why? An agent will take the time to learn your personal needs and identify risks. We want to make sure that your insurance actually helps protect you. Summit Risk Advisors is an independent insurance agency dedicated to finding you the comprehensive insurance coverage you need.

Whether you need to protect your car and home, want insurance for the possessions in your apartment, or need a general umbrella policy for peace of mind, our agents will provide you with outstanding service and the policies you need. We pride ourselves on finding affordable personal insurance policies that help protect your most important assets. We want to ensure that your insurance policies provide protection for your biggest concerns.

Our commitment is to: help you better assess your insurance needs; provide you with exceptional solutions and service; and offer you professional advice and products that address the concerns that matter most to you.

- We provide a customized personal risk insurance plan that compliments your lifestyle.
- We provide periodic comprehensive account reviews to adapt your risk plan to your life.
- We provide a complimentary review of your current policies with comprehensive recommendations.
- We provide coverage and knowledgeable service available wherever you need it.

Auto / Car Insurance

Georgia has tightened up its legislation surrounding mandatory driver’s insurance. Today, you must be able to show you can take financial responsibility for any accidents you may be involved in. Basically, if you own a vehicle with a state license plate it must be covered with certain minimum liability insurance requirements.

If you are ever involved in a car accident, you need auto insurance that can protect you against potential losses. When you purchase insurance through our agency, you have many coverage options including:
- Medical Injury Protection
- Bodily Injury Liability
- Collision and Comprehensive
- Property Damage
- Uninsured Motorist
And More!

We realize that you want to make sure you’re fully covered for a range of vehicle risks, yet at the same time keep premium expenses to a minimum. That’s why our insurance specialists are dedicated to helping you find comprehensive car insurance in Georgia, at a price that’s fair and affordable.

Starting the process to get a quote is easy. All you need to do is give us a call or fill out the online quote request form on this page! Don’t wait any longer for Georgia auto insurance protection!

Home Insurance

Whether you are building a new house or buying a pre-existing one, home insurance is necessary to protect your investment.

No matter where you decide to live, making sure your home is properly insured is essential. We realize that every home and homeowner is unique, and your home insurance should reflect this. As your leading independent insurance agency we have the ability to shop multiple carriers, both locally and nationwide, comparing rates and resulting in the best possible solution for your homeowners insurance.

Typical coverage packages for homeowners insurance can include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expense (in the event of covered loss or a natural disaster)
- Liability

In addition to these basic coverages, many homeowners need supplemental policies that add more security. Additional policies such as these are available:
- Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
- Flood Insurance policies
- Hurricane insurance policies
- Umbrella Insurance policies (additional liability)

Please contact us to learn more about our superior coverage options for homeowners insurance. Residents all across the state will benefit from working with one of our dedicated coverage specialists, who will be happy to provide you with a complete policy evaluation as well as offer you a complimentary home insurance quote today!

Renters Insurance

There is a very common misconception about renters insurance.
Most people seem to think that because their landlord has Georgia renters insurance, they do not need their own policy.

This could not be further from the truth. Your landlord’s insurance policy will protect only your landlord. This means that if there is a catastrophe, only the landlord’s property (the structure of the building) will be insured. Because of this, every renter in the state needs their own renters insurance.

Many people who relocate to our state end up renting their places of residence, but a large number never bother to invest in Georgia renters insurance. Renter insurance in Georgia can protect you and your belongings in a number of ways, but generally covers:
- Personal Property – like your furniture, electronics, and clothing.
- Personal Liability– in the event that someone is injured.
- Damage to Your Apartment– if the damage is caused by a covered loss.

If you would like to learn more about Georgia renters insurance, fill out our online quote form, or call us today. We will be happy to work with you to start a quote, and get you on the way to better protection.

Motorcycle Insurance

While driving the open roads, you need to make sure you and your bike are protected. At Summit Risk Advisors, our motorcycle insurance covers a motorcycle from damage caused by an accident as well as liability to other vehicles or injury caused to another party. Motorcycle insurance in Georgia is mandatory and state laws require both property damage liability and bodily injury liability to be automatically included in any policy you open. Beyond that you can select coverage in the following areas:

- Accident protection
- Passenger protection
- Breakdown protection
- Replacement cost coverage
And more…

You may also be eligible for some of our discounts that will make your premiums even lower in Georgia. Motorcycle insurance from Summit Risk Advisors allows you to enjoy your ride with the peace of mind that comes from knowing you're covered.

You may qualify for a number of discounts including:
- Insuring more than one motorcycle
- Mature riders
- Renewals
- Credit for qualified safety courses
- Multi-policies with our company

Discounts that could significantly lower your insurance premium aren’t the only reason to place your motorcycle insurance policy with us. Hatcher Insurance Inc. also provides competitive pricing, customer service, and peace of mind. We'll help you design a policy to meet your needs as a motorcycle owner. We’ll show you what coverage may be available and how to get the personalized protection you require.

Watercraft Insurance

When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends.

Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. At Summit Risk Advisors, we make sure that you enjoy your time on the water without having to worry about what could go wrong. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you among the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.

Whether you’re a lifelong boater or just getting started, it’s always a good idea to take a close look at your new or existing marine policy. We can help. Simply fill out our quick and simple online form to learn how Summit Risk Advisors, LLC can help keep you safe and secure with a marine insurance policy.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free boat insurance quote? It’s easy with Summit Risk Advisors, LLC. Happy boating!

Specialty Dwellings (RDP’s)

For those homes that are sitting there and you can’t sell or rent them. The Standard Insurance Carriers will not insure them.
We have markets for:
- Vacant Homes
- Homes being renovated
- Newly purchased foreclosures
- Multi-family dwellings
- Mobile Homes
- Rental Dwellings
- Dwellings with Multiple Claims!