Savannah Insurance Agency - Coastal Coverage Specialists
As Savannah's trusted independent insurance agency, we specialize in coastal coverage. We shop 50+ carriers to find you the best hurricane and flood protection at competitive rates.
Insurance Costs in Savannah, Georgia
Per year for Savannah drivers
Per year (coastal rates higher)
Savannah median
Why Savannah Residents Choose TCDS Insurance
Insurance Products for Savannah Residents
Auto Insurance
Full coverage, liability-only, or high-risk insurance. We handle SR-22s and DUIs.
Coastal Home Insurance
Specialized coverage for coastal properties with hurricane, wind, and flood protection.
Flood Insurance
NFIP and private flood insurance for properties in flood zones near rivers and coast.
Business Insurance
General liability, commercial property, workers' comp for Savannah businesses.
Savannah-Specific Insurance Considerations
Hurricane Risk: Savannah is highly vulnerable to Atlantic hurricanes. Wind/hail coverage with appropriate deductibles (typically 2-5% of dwelling value) is essential. Many carriers require separate hurricane deductibles.
Flood Zones: Much of Savannah is in FEMA flood zones due to proximity to Savannah River and Atlantic coast. Standard home insurance doesn't cover flooding—separate flood insurance is required and often mandatory for mortgages.
Historic District Properties: If you own property in Savannah's Historic District, you may need specialized coverage for historic restoration and preservation requirements.
Coastal Wind Pool: Some coastal properties may only qualify for Georgia's wind pool (Georgia Underwriting Association) if standard carriers won't provide coverage. We can help navigate these options.
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