14 lines
Personal insurance
Auto, home, condo, renters, life, motorcycle, boat, RV, collector car, landlord, mobile home, jewelry, umbrella and SR-22 filings. Fourteen lines, all shopped across the same 21 carriers.
Personal detailsPowder Springs, Georgia · Independent since day one
One call. Twenty-one carriers. An agent who answers his own phone.
Leonard Butts is an independent agent, which means he is not tied to one company's price list. Describe the risk once and it gets shopped across 21 carriers, then explained to you in plain language.
The register
What you can check before you call
No stars, no review count, no testimonials on this page. This agency does not have a Google listing to collect them, and inventing them would be worse than leaving them out. Here is what is verifiable instead.
- insurance and financial services experience
30+ years
insurance and financial services experience
- appointed and quoting, not one company
21 carriers
appointed and quoting, not one company
- licensed in Georgia, Alabama and South Carolina
3 states
licensed in Georgia, Alabama and South Carolina
- 14 personal and 26 commercial coverages written
40 lines
14 personal and 26 commercial coverages written
Captive or independent
The agent who can only sell you one company’s policy will always tell you it is the right one
A captive agent works for a single insurer. That is not a criticism of the person, it is a description of the job. When the only product on the shelf is the one his employer prints, the recommendation is decided before you finish the sentence.
An independent agency is appointed with many carriers and is paid to place the risk with whichever one fits it. Leonard Butts Insurance Agency is appointed with 21, including names you already know like Progressive, GEICO, Travelers and Nationwide, alongside specialty markets like Chubb, Lloyd’s and Hiscox that a captive shop simply cannot reach.
In practice that changes one thing that matters: you fill in one set of details instead of twenty forms, and somebody who has been doing this for more than 30 years tells you where the quotes genuinely differ. Cheaper is often thinner. That is the part worth hearing out loud.
Where to start
Two books, one agent
Fourteen personal lines and twenty-six commercial lines are written out of this office. Start with whichever side you are on.
- Business insuranceGeneral liability, business owners policies, commercial auto and trucking, workers compensation, commercial property and a commercial book that is unusually wide for a small agency.Business
- The carrier benchTwenty-one appointed carriers, named in full. Household names for auto and home, specialty markets for the commercial risks most local agencies have to turn away.Carriers
- Georgia, Alabama, South CarolinaCoverage written across the whole state of Georgia, plus resident licences in Alabama and South Carolina for the people who move, own across a line, or run trucks through three states.Service area
The book
What actually gets insured out of this office
Scroll through it. Every one of these is a line Leonard Butts writes, and each sits on the same bench of 21 carriers.
Home
The house and everything in it
Homeowners, condo, renters, landlord and manufactured or mobile home. Georgia gets severe thunderstorms, hail and trees that come down on roofs, so the useful conversation is about what your policy actually pays and on what basis, not about the headline premium.
Auto
Everybody who drives, and everything they drive
Auto and car insurance, collector car, and SR-22 filings when the state needs proof of liability limits after a suspension. State minimum liability is a floor, not a plan, and it is worth ten minutes to understand the difference before you need it.
Recreation
The things parked beside the house
Boat and watercraft, recreational vehicles, motorcycles. These usually are not covered by the auto or the homeowners policy the way people assume, and finding that out at the point of a claim is the expensive way to learn it.
Business
The shop, the office and the storefront
Business owners policies, general liability, commercial property, retail stores, restaurants, hotels and apartment building owners. Also the ones most small agencies send elsewhere: churches, jewelers, self storage, special events and videographers.
Trades
Trucks, tools and crews
Commercial auto, truck and trucking, contractors, builders risk, auto body shops, woodworkers, workers compensation and bonds. If the work crosses into Alabama or South Carolina, the licences are already in place for it.
The bench
Twenty-one carriers, named
Most agency sites say “many top-rated carriers” and leave it there. Here is the actual list, so you can see for yourself whether the market being shopped for you is a real one.
- Progressive
- GEICO
- Travelers
- Nationwide
- Liberty Mutual
- Chubb
- The Hartford
- Lloyd's
- Hiscox
- State Auto
- Allied
- American Modern
- Applied Underwriters
- Assurity Life
- CNA Surety
- Employers
- Guard
- Openly
- TransAmerica
- USLI
- Universal Property
Carrier names are the trademarks of their respective owners and appear here only to describe the markets this agency is appointed with. Availability and eligibility vary by policy, by state and by risk.
Why the wording matters
Nobody reads the policy on the good day
West metro Atlanta gets its share of severe weather, and most claims conversations in this part of Georgia start the same way: a limit somebody did not know was there, or a basis of settlement nobody had explained.
A quote is easy to produce. What is worth paying an independent agent for is the half hour beforehand, when somebody asks what you actually own, what you could not replace out of pocket, and where your current policy stops.
Coverage, limits and exclusions vary by policy and by carrier, so nothing here is a promise about what any particular policy pays. It is an invitation to have the conversation before the day you need the answer.
In his own words
“A 30 year resident of Atlanta, I am proud to serve the entire state of Georgia. With over 30 years of financial and insurance experience, I help customers like you identify the insurance coverage that best fits your needs.”
Leonard Butts, Agency Owner and Independent Agent
More about LeonardStraight answers
The questions that come up first
A captive agent works for one company and can only sell you that company's policy. Leonard Butts Insurance Agency is independent and appointed with 21 carriers, including Progressive, GEICO, Travelers, Nationwide, Chubb and Lloyd's. You describe the risk once and the agency shops it across all of them, then explains the real differences between the quotes. You are not the one filling in twenty forms.
Georgia, Alabama and South Carolina. That matters if you are moving, own a second property, keep a boat or an RV registered out of state, or run commercial vehicles across state lines. One agency can hold all three states rather than handing you off at the border.
The whole state. The office is in Powder Springs and a lot of the book sits close by in Austell, Douglasville, Smyrna and Marietta, with more in College Park, East Point and Decatur. Coverage is written statewide, so distance is not a reason to stay with an agent who is not returning your calls.
Yes, and for a wider range of trades than most local agencies. Alongside the usual general liability, commercial auto, workers' compensation and business owners policies, the agency writes contractors, restaurants, retail stores, auto body shops, trucking, self storage, apartment buildings, churches, jewelers, woodworkers, videographers and special events.
Tell it once. Let it get shopped.
Bring your current declarations page if you have one. It shows the limits you already carry, which is the only way to compare quotes honestly. If it is easier, call or send a text to the same number.
5046 Rosemeade Ct, Powder Springs, GA 30127 · Mon-Fri 9am-6pm · Licensed in Georgia, Alabama and South Carolina