# Home & Auto Insurance in Morrow, GA | All Access Agency > Local insurance agency in Morrow, GA. Home + auto bundles, renters, condo, life and business coverage for Clayton County, Henry County and south metro Atlanta. Se habla español. Source: https://allaccessagencyga.com/ # Insurance built for Georgia families. We rarely say no. Home + auto bundles from your local insurance agency in Morrow, serving Clayton County, Henry County and south metro Atlanta. Se habla español. What are you protecting? [My car](https://allaccessagencyga.com/quote?type=auto) [My home](https://allaccessagencyga.com/quote?type=home) [Both](https://allaccessagencyga.com/quote?type=both) [Get My Free Quote](https://allaccessagencyga.com/quote) [or call **(770) 576-3416**](tel:+17705763416) [**4.8**· 117 Google reviews](#google-reviews) Your neighborhood insurance agency ## Local service, done right. Insurance is only as good as the person behind it. When something changes or something goes wrong, you call our Morrow office, not a call center. 4.8 ★ 117 Google reviews EN + ES Service in English & Spanish [Get My Free Quote](https://allaccessagencyga.com/quote) [Call (770) 576-3416](tel:+17705763416) ## All Access Agency helps protect the life you're building. [Bundle home + auto. One agency, one plan, multi-policy discounts where available.](https://allaccessagencyga.com/quote) [Talk to a real person. In English or Spanish, from our Morrow office, not an 800-number queue.](https://allaccessagencyga.com/quote) [Free renewal reviews, on request. Your coverage keeps up with your life.](https://allaccessagencyga.com/quote) [Umbrella & life, too. Protection that goes past the minimums.](https://allaccessagencyga.com/quote) [Landlords welcome. Rental homes, duplexes, and income property covered right.](https://allaccessagencyga.com/quote) [Hail & storm guidance. Wind/hail deductibles, burst pipes, and flood gaps explained up front.](https://allaccessagencyga.com/quote) [National strength, more options. We start with our primary carrier and can access 30+ other carriers through brokerage relationships when it isn't the right fit.](https://allaccessagencyga.com/quote) Most Popular ### Home Insurance Storm, hail, and wind-ready. Sized to real rebuild cost [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/home-insurance) Bundle & Save ### Auto Insurance UM/UIM and limits past the 25/50/25 minimum [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/auto-insurance) For Families ### Life Insurance Term and permanent options that keep plans intact [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/life-insurance) For Business Owners ### Business Insurance Coverage for the company you built [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/business-insurance) Apartments & Rentals ### Renters Insurance Your belongings and liability, often required by your lease [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/renters-insurance) Income Property ### Landlord Insurance Rental homes, duplexes, and the rent they bring in [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/landlord-insurance) Storm Season Essential ### Flood Insurance Heavy rain and creek flooding. Standard homeowners policies don't cover flood [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/flood-insurance) Weekends & Getaways ### Recreational Boats, RVs, motorcycles, and lake-season fun [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/rv-insurance) Condos & Townhomes ### Condo Insurance HO-6 for your belongings, upgrades, and HOA loss assessments [Get a Quote](https://allaccessagencyga.com/quote) [Learn More](https://allaccessagencyga.com/condo-insurance) ## More ways we protect you. Coverage built around real life. Bundling ### Simpler coverage. Better together. Pair your home and auto policies for multi-policy discounts, where available, and one point of contact. One plan, one renewal. Simplicity. HHome Policy Dwelling + liability AAuto Policy 2 vehicles, full coverage Bundled and covered Multi-policy discount, where available Renewal Review ### Your life changes. Your coverage should too. New car, new roof, teen driver, new rental. We offer a free policy review before your renewal. Just ask, or we'll reach out. "New roof on the house. Does our coverage need to change?" Renewal review booked 15 min · with Mithferson's team Beyond the Minimums ### The state minimum isn't a plan. Georgia's 25/50/25 rarely covers a serious crash on I-75 or I-285. We size coverage to what you actually have to protect. **25/50/25**state minimum $25K property damage can run out fast **Your plan**sized to your life Assets, family & lifestyle accounted for Landlords & Rentals ### Income property, covered properly. Rental homes, duplexes, and condos you rent out: the structure, the rent, and the liability most owners miss. RRental · Jonesboro Dwelling + loss of rent UDuplex unit · rented out Added to the same plan $Landlord liability The layer owners forget New Homebuyers ### Closing in 12 days? We've got you. Lender-ready binders, escrow deadlines, and proof of coverage sent fast. One less thing between you and the keys. "Escrow closes Friday. Lender needs proof of insurance!!" Proof of coverage sent fast Lender notified 🔑Keys on Friday Covered from day one When It Happens ### The day you actually need us. A real person who knows your policy helps you start the claim and follows it to the finish. Mithferson is a former auto claims adjuster, so he knows the process. !Fender bender · Tara Blvd Everyone's okay Claim started together One call to your agent Followed to the finish Check-ins until it's closed Making the Switch ### Already insured? We handle the paperwork. We review what you have now, quote a better fit, help cancel the old policy, and notify your lender. About 15 minutes to get started. OOld policy Canceled for you $Refund on its way We followed up, not you New plan active Lender notified ## Ballpark it. Then get your real number in one call. 🚗 Auto 🏡 Home ❤️ Life Zip Code Annual Mileage 12,000 mi Coverage LevelBasic: 25/50/25 (GA minimum)Full Coverage: + Collision & CompPremium: Full + Higher UM/UIM & Extras Driving RecordClean Record1 Minor Violation1 At-Fault AccidentMultiple Incidents Household Drivers1–2 adults3+ adultsIncludes a teen driver Estimated Monthly Premium $162 per month Liability (25/50/25+)$117/mo Collision— Comprehensive— UM/UIM & MedPay$45/mo \* Estimates only, based on Georgia market averages. Not a quote. Actual rates vary by carrier, driver & ZIP. Bundling home + auto may lower both, where available. [Get My Exact Quote →](https://allaccessagencyga.com/quote) Home Value $300,000 Home Age 25 years Deductible$1,000 (Lower Deductible)$2,500 (Standard)$5,000 (Higher)$10,000 (High) Location RiskMetro Atlanta (Standard)Rest of Georgia Special FeaturesNonePoolDetached Garage / WorkshopPool + Outbuildings Estimated Annual Premium $2,130 per year ($178/mo) Dwelling$112/mo Personal Property$32/mo Liability$21/mo Other Structures$12/mo \* Estimates only, based on Georgia market averages for a standard home. Not a quote. Wind/hail deductibles may be a percentage of your dwelling limit, and flood is a separate policy. Ask about bundling with auto. [Get My Exact Quote →](https://allaccessagencyga.com/quote) Your Age 35 Coverage Amount $750,000 Term Length10-Year Term20-Year Term30-Year Term HealthExcellentGoodAverage Tobacco UseNon-smokerSmoker / tobacco user Estimated Monthly Premium $36 per month · designed to stay level for the term you choose Coverage$750,000 Rate per $100k$4.80/mo Term20 years Protection through age55 \* Illustration only, not a quote. Life rates depend on underwriting, and level-premium periods vary by product. [Get My Exact Quote →](https://allaccessagencyga.com/quote) ## Keep exploring [Get a quote](https://allaccessagencyga.com/quote) [Read the blog](https://allaccessagencyga.com/blog/) [Why us?](https://allaccessagencyga.com/about-mithferson-joseph) [Call (770) 576-3416](tel:+17705763416) 4.8 **117** Google reviews ## In our clients’ words. Real reviews from Morrow and south metro Atlanta. [Read all 117 on Google →](https://www.google.com/search?q=Mithferson+Joseph+Allstate+Morrow+GA#lrd=0x88f4f93d8d4f339d:0x78cfe77f05e4b254,1,,,,) “ > Andrew Lawrence provided exceptional customer service and expertly addressed all my inquiries. His thorough explanations ensured my complete understanding of insurance, despite my limited prior knowledge. DSDebra S. Google review “ > I can’t say enough good things about Andrew Lawrence… After dealing with inconsistent service from my previous insurer, I expected more of the same — but Andrew completely changed my perspective. CYCheneta Y. Google review “ > During one of the most devastating circumstances our family has ever faced, Andrew stepped in with compassion, professionalism, and genuine care. RMRaRa M. Google review “ > Andrew made the process of switching both my auto and home insurance smooth and stress-free. From the very beginning, he took the time to explain my… KHKenya H. Google review “ > Ms. Lori Espinoza was very helpful. She was concerned about my situation and did her best to get me a quote that was more suitable for me financially. WRWidza R. Google review “ > Thank you Zachery, for your assistance on our Homowners insurance. You were so helpful, professional and knowledgeable. MMMissy M. Google review “ > Drew was so sweet and helpful… He explained everything in a way that actually made sense and made the whole process super easy. Definitely recommend asking for him! HHHarmony H. Google review “ > Great experience with Andrew. He was prompt with his emails and phone calls. MAMK A. Google review Excerpts from public Google reviews, shown with first name and last initial. Free policy review ## Already insured? Let us check it. Securely share your current policy in about two minutes. No paperwork to dig up, no retyping. We'll look for gaps, overlaps and savings, then walk you through what we found, in English or Spanish. 1. **Connect your current insurer.** Log in through Canopy Connect, a secure tool agencies use to import policy details. 2. **We review it.** Mithferson's team compares your coverage and price against what we can offer. 3. **You decide.** We share what we found. No obligation, and nothing changes unless you say so. [Start my free review](https://allaccessagencyga.com/quote?type=review) [Or call (770) 576-3416](tel:+17705763416) Canopy Connect shares your policy details with our agency only. We never sell your information. Free policy reviewSecure Step 1 · Connect **Your current insurer**Log in once. Read-only access. Importing policy detailsDone Auto · 2 vehiclesHomeDeclarations Step 2 · We review it **Mithferson’s team**Reviewing your coverage Liability**25/50/25***Low* Uninsured motorist**Rejected***Gap* Dwelling**$210,000***Check* Bundled?**No***Bundle* Your review is ready **3**things worth a look * Raise liability above the state minimum * Add back uninsured motorist coverage * Bundle home + auto with one agency Step 3 · You decide Hi! Your free review is ready. Want to go over it by phone or text? No pressure. Nothing changes unless you say so. Call meText meNot now Got it. Talk soon! Sample review, for illustration ## Georgia insurance questions. Straight answers. Why is my homeowners insurance going up in Georgia?+ Storms are a big part of it. Georgia averaged about 17 tornado events a year from 2001 to 2020, according to the state's emergency management agency, and Georgia's insurance office says flooding, tornadoes and winter storms cause millions of dollars in property damage here every year. Hurricane Helene dropped 11.2 inches of rain on Atlanta in 2024. Add higher rebuilding costs, and premiums can rise even for homeowners who have never filed a claim. What you can control: your deductibles, bundling home and auto, the condition of your roof, and a dwelling limit that matches real rebuild cost. We offer a free policy review before your renewal. Just ask, or we'll reach out. How much is home insurance in Georgia?+ It depends on your home, roof, deductible, and claims history, so treat any average as a rough guide. NerdWallet's 2026 estimate puts the Georgia average at about $3,225 a year for a home with $400,000 in dwelling coverage and a $1,000 deductible, and about $3,420 in Atlanta. Other sources land higher or lower depending on how they measure. Our rate estimator below gives you a ballpark in seconds. For your real number, we quote your home and auto together, since bundling can lower both. What is a wind/hail percentage deductible?+ Many Georgia policies carry a separate wind and hail (or hurricane) deductible figured as a **percentage of your home's dwelling limit**, commonly 1% to 5%, instead of a flat dollar amount. On a home insured for $400,000, a 2% deductible means $8,000 out of pocket before coverage responds to a wind or hail claim. Georgia's insurance office warns that some policies carry a separate wind or hurricane deductible, so it pays to check yours before storm season. We'll show you where yours sits and what it would cost to change it. Does homeowners insurance cover flooding or burst pipes?+ Burst pipes: usually, yes. Georgia's insurance office says standard homeowners and renters policies cover damage from burst pipes, and state insurance officials expected thousands of burst-pipe claims after the December 2022 freeze. Reasonable care still matters, like keeping the heat on when it drops below freezing. **Flooding is a different story.** A standard homeowners policy doesn't cover flood, whether it's rising water from a creek or heavy rain that pools around your home. That takes a separate flood policy. We'll check what your policy covers and where the gaps are. Do I need flood insurance in Georgia?+ If you live near a creek, river, or low ground, it's worth a serious look. **A standard homeowners policy doesn't cover flood.** Flood is a separate policy, written through the National Flood Insurance Program (NFIP) or a private flood insurer, and NFIP coverage is available where your community takes part in the program. Heavy thunderstorms and tropical systems both cause flooding here, and Clayton County is crossed by creeks like Jester Creek and the headwaters of the Flint River. NFIP policies cover up to $250,000 for the building and $100,000 for contents, with a typical 30-day waiting period, so buy before storm season, not during it. You can look up your flood zone at FEMA's Flood Map Service Center ([msc.fema.gov](https://msc.fema.gov/)). Is Georgia an at-fault state?+ Yes. Georgia is an at-fault (tort) state. The driver who causes a crash, and their liability insurance, is responsible for the other people's injuries and damage. Georgia has had no PIP (personal injury protection) requirement since 1991. Medical payments coverage (MedPay) is optional and helps pay medical bills for you and your passengers, no matter who caused the crash. Georgia also uses modified comparative fault: your recovery is reduced by your share of the blame, and if you're 50% or more at fault, you recover nothing. That's why your own liability limits and your uninsured motorist coverage matter so much. Is Georgia's minimum auto coverage enough?+ Rarely. Georgia requires 25/50/25 liability: $25,000 per injured person, $50,000 per accident, and $25,000 for property damage. That's what your policy pays others, and a serious crash or a newer vehicle can blow past it fast. Damages above your limits can come back to you. Full-coverage auto in Georgia averages about $3,834 a year by one 2026 estimate (Experian), which is why we size coverage to what you actually have to protect, then look for bundle and multi-policy savings. Do I need uninsured motorist coverage in Georgia?+ It's worth keeping. Georgia insurers must include uninsured/underinsured motorist (UM) coverage on your policy unless you reject it in writing. It pays for your injuries and damage when the at-fault driver has no insurance or not enough. Georgia has two kinds. **Added-on**, the default, pays on top of the at-fault driver's liability limits. **Reduced-by** only pays the difference between their limits and yours, and you have to choose it in writing. We'll show you which one you have and what higher limits would cost. Can you shop other carriers?+ Yes. We have a primary carrier, and its home and auto coverage is where we start. Through brokerage relationships we can also access 30+ other carriers when our primary carrier isn't the right fit, especially for commercial, specialty, and hard-to-place risks. We rarely say no. Either way, you keep the same local office and the same point of contact. Do you offer service in Spanish?+ Sí. Our team offers service in English and Spanish, from your first quote to policy changes and claims questions. Se habla español. Call (770) 576-3416 or stop by our Morrow office at 1395 Southlake Pkwy, Suite E, near Southlake Mall. Still have questions? [Call (770) 576-3416](tel:+17705763416). We'll give you a straight answer. ## Ready when you are. One call covers it all. Home, auto, flood, umbrella, and life, all quoted around your life by a local Morrow team that picks up the phone. Se habla español. [Get My Free Quote](https://allaccessagencyga.com/quote) [or call **(770) 576-3416**](tel:+17705763416) ## Based in Morrow. Serving Clayton County, Henry County and south metro Atlanta. ### All Access Agency 📍 Office 1395 Southlake Pkwy, Suite E Morrow, GA 30260 [Get directions ↗](https://www.google.com/maps/search/?api=1&query=1395%20Southlake%20Pkwy%2C%20Suite%20E%2C%20Morrow%2C%20GA%2030260) 📞 Phone [(770) 576-3416](tel:+17705763416) The fastest way to reach us 🗣️ Hablamos Español Servicio bilingüe Cotizaciones y atención en inglés o español ✉️ Email [mjoseph@allstate.com](mailto:mjoseph@allstate.com) Best for documents and non-urgent questions 🕐 Hours Mon – Thu: 9:00 AM – 6:00 PM · Fri: 9:00 AM – 5:00 PM Sat – Sun: Closed