Please have your Elevation Certificate and renewal or current DEC page ready for one of our Agents to review.
For more information on FEMA flood insurance click on this link: Homeowners Flood Insurance Affordability Act
Connecting Clients to Confidence
McGinty-Gordon & Associates (MGA) provides reliable insurance options for the state of Georgia, Florida, and South Carolina. As a result of a subsequent growth and merger, MGA is the largest insurance agency in southeast Georgia. We are committed to connecting our clients to the confidence that comes from carefully protected personal and business assets. We participate with numerous national insurance carriers, which enables us to compare insurance options, pricing and value to ensure customers receive the best insurance coverage possible.
Whether you are looking for industry specific liability insurance for your dental practice or day care, homeowners insurance for your new home, rental insurance for your condo at the beach, or life insurance to protect your family from the unexpected, rest assured the insurance professionals at McGinty-Gordon & Associates have you covered.
MGA’s Exclusive Homeowner and Flood Programs for Coastal Properties
As traditional insurers began to severely restrict their willingness to accept new homeowners insurance on coastal islands, MGA recognized the need to provide a homeowner insurance program for coastal homes that included affordable pricing and standard coverage terms. In 1999, MGA developed a proprietary homeowner and condominium unit owner insurance program with Lloyd’s of London. The program was expanded several years later to include commercial property and now has a fourteen year track record of providing quality coverage at competitive rates to property owners in Georgia, North East Florida, and South Carolina. Policies are underwritten, rated and issued in MGA’s St. Simons Island office. Claims are assigned to a local independent adjuster and claims payments are issued from the St. Simons Island Office. MGA is proud to be one of the very few retail insurance agents in the U.S. with an underwriting authority at Lloyd’s of London. Fred and Ty McGinty visit Lloyd’s on an annual basis to review our program and to maintain and further develop our business relationships with participating underwriters. In addition, we are pleased to receive visits from various participating Lloyd’s underwriters at our offices. These visits enable MGA to familiarise underwriters with our area and the quality of the business available.
In addition, MGA has long standing direct relationships with two different Lloyd’s Insurance Brokers. This enables us to access additional facilities and programs at Lloyd’s directly through our London brokers without the need to access London through a US intermediary who then works with a London broker. The ability to deal directly with London often saves time and enables us to present our case more directly to the decision makers.
MGA recently negotiated an additional program with Lloyd’s to provide flood insurance for homeowners and commercial property owners that is competitive with National Flood Insurance Program (NFIP) for some properties, and to provide limits of flood coverage above the maximum available from NFIP.