The people of the Golden Isles know exactly how serious a major weather event can be. From wind and rain damage to flooding, severe storms can turn a household into chaos in a matter of minutes.
But it’s not just storms that can cause headaches and unforeseen expenses. Car wrecks, stolen property and lawsuits can also make life more stressful than it needs to be. That’s why Robinson & Associates, an independent insurance agency on St. Simons Island, offers a variety of insurance plans to help protect everything from homes to jet skis to legal liability.
“You don’t have to be a millionaire to be sued like one,” said Rob Robinson, an insurance broker with Robinson & Associates. “Million-dollar judgements against individuals are relatively rare, but they do happen. If you receive a summons to come to court and realize you only have $300,000 of coverage — you may lose a lot of sleep.”
Robinson, a eightw-year veteran of the insurance industry, knows how to help every customer find the right plan for the right price. His agency works with more than 30 different insurance providers, and he can sift through the gauntlet to get the best quote for any type of coverage.
“If you call State Farm, they’re only going to give you their quote,” Robinson said. “What makes us different is that we’re a broker. We are an independent agency that looks through all of our partnering insurance companies and finds you the best quote.”
While there are plenty of insurance providers out there, Robinson knows the feeling of having a trusted broker right here in the community can be what matters most when the unforeseen happens.“One of the things that sets us apart is our response time,” Robinson said. “We know that when someone has an emergency, they’re going to want an answer right then. We do our best accommodate that, whether it’s an initial quote, a claim or a policy change.”
Robinson’s office manager, Jennie Larkin, also knows just how important personalized service and quick turnaround can be.She recently joined Robinson & Associates, and brings her experience in the hospitality industry to insurance.
“The phone rings a lot here,” Larkin said. “I love the feeling of explaining things to people and helping them understand their policies.”A Glynn Academy graduate, Larkin originally wanted to be teacher when she was growing up, so educating people about their policies and insurance coverage comes naturally to her.
“One of the most important things to us is that our clients are people — not policy numbers,” she said. “We want to communicate, to be responsive and we always try to be kind.”That personalized service is important in the insurance world, Robinson said, because every circumstance is different.
“Homeowner insurance policies, for example, differ by which losses are covered,” Robinson said. “You can choose what you want covered based on the type of residence you live in. Whether it’s a comprehensive policy that covers losses like fire, hail and vandalism, or something that only covers more specialized losses, we can help you choose the policy that’s best for you.”And unlike national insurance broker chains, Robinson & Associates is locally owned and operated. Robinson knows the community and even helps coach golf at Glynn Academy and middle school basketball. Being a part of the Golden Isles is important to him, and offering quality service with integrity and honesty is his top priority at work.
“The people we serve aren’t just our clients,” he said. “They are our friends and neighbors. If there’s a hurricane, chances are we’re all going to go through it together. Everyone deserves to have a local advocate for them, and someone to help guide them through the insurance process.”