Insurance Agent John Lula GA License No. 2959661

Thanks for visiting my website. I'm an Insurance Agent licensed in the state of Georgia who's able to give you insurance quotes with several Major Insurance Carriers through Smart Choice. Depending on your insurance needs, having access to multiple quotes and carrier information is a great way to find an insurance policy that works best for you! Call or email me now with any questions or to start an application. I look forward to speaking with you.

Call 678-773-2195 or Email

Under Contract?

I specialize in working with customers who are purchasing their very first home or seasoned buyers purchasing their next home. You will need insurance in place for closing, so don't delay! Is your closing date in 7 or less days? Take advantage of our "Fastlane Service" and be binding with in 24hrs in most cases to ensure you can close on time.

Recommended Coverage Standards for Home Insurance:

Homeowners Coverage A: Properties Valued below $500,000

  • HO3 or Special Form

  • Replacement Cost Dwelling - 125%

  • Replacement Cost Contents

  • Replacement Cost Roof

  • Water Back-up Minimum $5,000 or Minimum $10,000 if Basement

  • Foundation Coverage

  • Water Seepage

  • Wind/ Hail Coverage

  • Service Line Coverage

  • Equipment Breakdown

  • Identity Theft

  • Personal Injury

Homeowners Coverage A: Properties Valued above $500,000. Above applies except for the following:

  • HO5/ Special Personal Property

  • Replacement Cost Dwelling - 200% if available.

  • Water Back-up Minimum $25,000

  • $300,000 Liability

  • $5,000 Medical

  • $1000 Minimum Deductible

Recommended Coverage Standards for Auto Insurance:

Auto Standard

  • Minimum - 50,000/100,000 Liability

  • Property Damage

Features/ Benefits to Consider:

  • Accident Forgiveness

  • Diminishing Deductible

  • Telematic/ Safe Driving Apps

  • New Car Replacement

  • EOM - Original Parts Replacement

  • Loan/ Lease Gap