Independent Insurance Agency · Ringgold & Augusta, Georgia
Protecting What Matters Most,
In Business and In Life
Advocacy | Tailored Insurance Solutions | Peace of Mind!
One call and we shop 20+ top carriers to build coverage around your life, home, auto, life, business, and annuities.
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Protecting your home, family,
business, and future
Protecting your home, family, business, and future starts with the right insurance partner. We write personal, commercial, and life coverage, and we shop it across 20+ carriers every time.
Whether you just closed on your first house or you've been in it thirty years, we build homeowners coverage around what you actually own, and we re-shop it when your renewal creeps up.
- Dwelling & personal property
- Wind, hail & storm damage
- Renters (HO-4) & condo (HO-6)
- New homebuyer & closing policies
- Bundle with auto to save more
Georgia requires 25/50/25 liability, but the minimum is rarely the right answer. We'll show you where the real value sits, for clean drivers, multi-car households, and families adding a teen.
- Bodily injury & property damage liability
- Collision & comprehensive
- Uninsured / underinsured motorist
- Multi-car & teen driver discounts
- Roadside assistance & rental
The part of insurance that's really about people. We help families put protection in place for the ones they'd leave behind, and help retirees turn savings into income they can count on.
- Term life & permanent life
- Final expense coverage
- Income protection for young families
- Annuities & retirement income
- Beneficiary & policy reviews
Protect what you've built. From a single-truck contractor to a multi-location operation, we put together commercial programs that hold up when something actually goes wrong.
- General liability & BOP
- Commercial auto (single to fleet)
- Workers' compensation
- Property & business interruption
- Commercial umbrella
The toys standard auto carriers handle poorly. Campers, bass boats, side-by-sides and collector cars all need their own coverage, and we place them with carriers that actually want the business.
- RVs, travel trailers & campers
- Boats, pontoons & personal watercraft
- Motorcycles & powersports
- ATVs, UTVs & golf carts
- Classic & collector vehicles
Insurance Carriers
We partner with the industry's leading insurance companies so you can enjoy the most appropriate, affordable protection. One conversation, one advocate, and 20+ carriers competing for your business.
We'll shop your coverage across our carriers and confirm whether this one fits your situation. Availability varies by product, location and eligibility.
Carrier availability varies by product, location, and eligibility. Not every carrier writes every line of coverage in every part of Georgia. We'll tell you exactly who fits your situation when we quote it.
See what you could pay
Ballpark your Georgia rate with our estimator, then call (706) 965-3709 for a free personalized quote with real numbers from real carriers.
Relationships first,
always on your side
As an independent insurance agency, we work for you, not the insurance carrier. We compare options from multiple providers to help you find the right protection for your needs and budget.
From fast quotes to mobile-friendly tools and smart technology solutions, we make managing your insurance simple, efficient, and accessible wherever you are.
Every client's needs are different. We help you find the ideal balance of coverage, protection, and value so you can feel confident in what matters most.
Insurance needs change over time. That's why we provide continued policy support, annual reviews, and personalized service from a dedicated advisor who's here when you need us.
Customized insurance solutions for
individuals and businesses
With over 110 years of combined experience in the insurance industry, our team is dedicated to providing trusted guidance and personalized coverage solutions for individuals, families, and businesses. Throughout our careers, we have built a reputation for excellence, earning recognition as top representatives on numerous occasions. At our agency, relationships come first. We're here not only to provide coverage, but to serve as long-term advisors you can depend on.
Real people.
Real coverage.
Got questions?
We have answers.
Quick answers to what Georgia clients ask us most. Don't see your question? Call us. We're happy to talk it through.
What does an independent insurance agency actually do for me?
We work for you, not for one insurance company. A captive agent can only sell you their own carrier's product. We shop your home, auto, life, and business coverage across 20+ top carriers at the same time and bring back the options that actually fit your situation and budget.
You get one point of contact, one conversation, and a side-by-side look at real choices, instead of a single take-it-or-leave-it quote.
Does it cost anything to get a quote?
No. Quoting with Richard Johnson Group is free and comes with no obligation. We're paid by the carrier only after you decide to move forward with a policy, so there is no consultation fee and no pressure to buy.
What areas of Georgia do you serve?
Our headquarters is in Ringgold, serving the northwest Georgia area, and our second office is in Augusta, serving the east Georgia area. Between our two locations and 40 years of licensing across multiple states, we can help most Georgia families and businesses. Call us and we'll tell you straight away whether we can write your coverage.
Which insurance companies do you represent?
We place coverage with 20+ carriers including Travelers, The Hanover, American National, Liberty Mutual, Progressive, Mercury, Cincinnati Insurance, Foremost, National General, Prudential, GEICO, Hagerty, and more. The full list is on this page in our carrier section.
Because we're independent, if one carrier raises your rate at renewal, we can re-shop you across the others without you starting over.
Can I bundle my home and auto insurance?
Yes, and it's one of the most common reasons people call us. Bundling home and auto with the same carrier typically earns a multi-policy discount, and it means one renewal date and one agent who can see your whole picture.
New homebuyers are a big part of who we serve. If you're closing on a house, call us early. We can have your homeowners policy ready for your lender and quote the auto at the same time.
How much experience does your team have?
Richard Johnson has 40 years in the insurance industry across multiple states, and our team has 110+ combined years of experience. Over those careers we've been recognized as top representatives on numerous occasions, including American National Bronze and Summit Club honors.
Do you offer life insurance and annuities?
Yes. Alongside home, auto, and business coverage, we write life insurance and annuities, including term and permanent life, final expense, and retirement income planning. Because these products depend heavily on your age, health, and goals, this is a conversation best had by phone: (706) 965-3709.
Ready to talk it through?
One conversation and we'll shop 20+ top carriers to find the right fit for your home, your family, or your business. No obligation, no pressure, just straight answers from an agent who works for you.
Two Georgia offices, one team
Contact the Richard Johnson Group. We're ready to help. Connect with us via phone, email, or online.
Serving the northwest Georgia area
Saturday & Sunday: Closed
Saturday & Sunday: Closed