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There are many insurance companies that offer homeowners insurance and it will vary from state to state. I recommend that you call an Independent Insurance Agency. These type of insurance agencies represent several insurance companies and can compare companies and policies from different companies to best meet your needs. A direct writer like State Farm, Cotton States, Nationwide, etc represent one company and often times are actually employees of the one company. For full disclosure, I own and operate a small independent insurance agency in Georgia and have for 22 years. I worked as a direct writer agent for 3 years before that.
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