About Us
Who is Policy People Insurance Group?
We are an independent insurance agency headquartered in beautiful Acworth, Georgia. Experience the difference that comes from a flexible insurance agency that provided customized packaged designed to help protect you property, family, business, and lifestyle.
We couple coverage and service to improve resilience, save time, and keep you enjoying the things you love.
While we focus on delivering value, we do a great job of delivering on price too.
38% Lower Rates vs Allstate
21% Lower Rates vs State Farm
34% Lower Rates vs Liberty Mutual
26% Lower Rates vs Geico
Client Spotlight
What our clients are saying
“Josh and the Policy People Team are incredible. Josh not only delivered above and beyond for our insurance needs, but took the intentional time to walk my wife and I through all his recommendations and reasons for them. The best part was how he did it. I always knew I could call to chat through the options, and we did before making the final decision, but he recorded a personalized video to start so we could watch it at our convenience. The video was detailed and covered all our questions before we had a chance to ask. Cheers to a long relationship with Policy People!”
Ian – Review left on Google
“Josh and his team went ahead and found a few offers for my Business insurance from auto to workman’s comp. They were able to find us an all inclusive company with a rate that beat other insurance agencies with better coverage.
Thank you again for being so prompt and responsive to my questions and concerns.”
Ryan – Review left on Google
“Working with Josh Chambers at Policy People Insurance Group has absolutely been the best insurance experience we’ve ever had- not even exaggerating a little. From completing the initial questionnaire to the incredibly detailed PERSONALIZED video explaining his recommendations and WHY, this experience has not only created a client for life, but professionally I will be recommending my clients to Josh as well!”
Juliana – Review left on Google
Frequently Asked Questions
Questions? Answers.
This is not an easy answer. Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by us. We do not settle claims as this is done by the adjuster. However, we will assist in making sure a covered claim is paid fairly and promptly.
Many venues that are rented for special occasions such as weddings and graduation open houses require proof of coverage for up to $1,000,000 in liability insurance to cover property damage and bodily injury accidents that may occur during the event. Many Homeowners policies will provide coverage for these types of events. An excess / umbrella liability policy is also a good idea and will comply with the requirement for $1,000,000 in liability coverage.
If you are hosting an event where alcohol will be served, your homeowners policy will cover this “host liquor liability” as long as you do not charge money for the alcohol. If alcohol will be served it is recommended to transfer the liability by hiring a bartender or caterer who carries their own liquor liability coverage. If you do decide to have a cash bar or if the venue requires to be listed as an additional insured on your policy, we can provide you with a separate Special Event Liability policy to cover this exposure.
For specific events and how coverage would be afforded under your policy please contact us.
Scheduling involves placing specific items with a specific value on your homeowners insurance. It can also be called an “Inland Marine” policy. This allows coverage for items that may be leaving your premises and would then be lost or stolen. They can also be set at specific deductibles. The most common items to schedule are jewelry, bikes, cameras and fine arts.
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value. When insuring a home or structure the insurance company needs to know the replacement cost. There are tools that our agents use to help approximate this value.
Yes, it is the State law for all owners of a vehicle to have auto insurance. It is your choice if you wish to insure for physical damage if there is not a lender involved.
Don’t see your question? Contact us.
