Personal Insurance
Personal insurance for Powder Springs and all of Georgia
Leonard Butts Insurance Agency is independent and appointed with 21 carriers, including Progressive, GEICO, Travelers, Nationwide, Chubb and Lloyd's. Instead of quoting one company's rate, the agency shops the same risk across the full list of carriers and explains what's actually different between the offers, not just which number is lowest. Below are the 14 personal lines the agency writes, everything from a daily driver in Cobb County to a boat kept on Lake Allatoona. Licensed in Georgia, Alabama and South Carolina, so coverage follows a policyholder who owns property or registers a vehicle across state lines.
Auto and car insurance
Georgia requires every driver to carry liability coverage, and Cobb County traffic on Macland Road, Powder Springs Road and I-20 makes a real uninsured-motorist limit worth carrying too, not just the state minimum. The agency quotes a standard auto policy across all 21 carriers, comparing collision and comprehensive deductibles alongside the base liability rate, so the comparison covers the whole policy and not just the sticker price on one line of it.
A collector car is a different risk than a daily driver, and a daily-driver policy usually prices it wrong. Collector car coverage insures a vehicle for an agreed value instead of a depreciating one, with mileage limits that keep the premium down. It fits a garage-kept muscle car, a restored truck, or anything a Cobb County collector drives to shows rather than to work every day.
Homeowners, condo, landlord and manufactured home insurance
Georgia homes carry their own risk profile. Summer hailstorms move through Cobb County most years, and older Powder Springs neighborhoods have roofs and wiring that some carriers rate differently than a new build does. A homeowners policy here is shopped across carriers that actually write coverage in Georgia, not priced off a national average.
A condo association's master policy covers the building's structure, but rarely the inside of the unit. Condo insurance covers the walls in, appliances and personal property the association's policy stops short of, plus liability if a guest is hurt inside the unit itself.
Manufactured and mobile homes are underwritten differently than site-built houses, and not every carrier on the list writes them. The agency places manufactured home coverage with carriers that understand tie-down requirements and skirting, rather than declining the risk outright.
A homeowners policy stops covering a house the day it's rented out. Landlord policies cover the structure and the owner's liability while a tenant lives there, plus lost rental income if the house is damaged and can't be rented. Common for owners renting out a second property in Austell or Douglasville while living elsewhere in the state.
Individual life insurance
Individual life insurance is written outside of any employer, so coverage doesn't disappear the day a job does. The agency places term and permanent policies through carriers including TransAmerica and Assurity Life, sized to what a family actually needs, mortgage balance, income replacement and final expenses, rather than a flat number pulled from a table.
Renters insurance
A landlord's insurance covers the building, not a tenant's belongings, and it never covers a tenant's liability if a guest gets hurt in the unit. Renters insurance is inexpensive and covers personal property, additional living expenses if the unit becomes unlivable, and liability, worth carrying whether the address is a Powder Springs apartment or a Decatur duplex.
Boat, RV and motorcycle insurance
Georgia boat owners on Lake Allatoona, Lake Lanier or the Chattahoochee need coverage a standard homeowners policy doesn't provide: hull damage, liability if the boat causes injury on the water, and towing. The agency writes boat and watercraft policies sized to the boat, whether it's a bass boat or a pontoon.
An RV insured under an auto policy alone is usually underinsured. RV coverage adds the living quarters, personal belongings on board, and full-timer liability if the RV serves as a primary residence for part of the year.
Motorcycle insurance is written separately from auto because the risk, and the state minimums, are different. Coverage is quoted for street bikes, cruisers and touring motorcycles, with the same liability and comprehensive options a car policy carries.
SR-22 filings
An SR-22 is a certificate an insurer files with the Georgia Department of Driver Services confirming a driver carries at least the state's minimum liability limits, usually required after a license suspension or a serious violation. The agency can quote and file it directly rather than leaving it to sit unresolved. Call or text 678-903-3936.
Umbrella policies and jewelry floaters
A personal umbrella policy adds liability coverage above the limits on an auto or homeowners policy, the kind of coverage that matters if a serious accident or lawsuit exceeds what the underlying policy pays. It's inexpensive relative to the protection it adds, and some underwriters require it before they'll write certain other risks at all.
A standard homeowners policy caps jewelry claims at a low dollar amount, often a few thousand dollars total regardless of what was lost. A jewelry floater schedules specific pieces, an engagement ring, a family heirloom, at their appraised value, with no deductible on a covered loss.
Get a personal insurance quote
One call covers all 14 personal lines, auto, home, life, renters, recreational vehicles and SR-22 filings, quoted across 21 carriers by an agent licensed in Georgia, Alabama and South Carolina. Leonard answers his own phone, and the same number takes texts.