Duluth has 32,426 residents in 13,203 households. We list 15 agencies for accident & health insurance in Duluth. Here is what the local numbers say about the cover people here need.

Duluth at a glance

15accident & health insurance agencies listed
43.5%of households rentRenters insurance
$400,800median home valueHome insurance
1994median year homes were builtRebuild cost calculator
5.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Gwinnett County

FEMA rates the overall natural hazard risk in Gwinnett County, where most Duluth agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Duluth
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Duluth
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Duluth
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Georgia

Georgia requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Duluth How much liability cover do you need?

Source: oci.georgia.gov. Checked 2026-10-24.

Insurance companies Duluth agencies work with

Of the 15 Duluth agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna6 agencies
UnitedHealthcare6 agencies
Centene5 agencies
Medicare Advantage5 agencies
Cigna4 agencies
National Pacific Dental,3 agencies
Nationwide3 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY3 agencies
AmTrust2 agencies
Fidelity & Guaranty Life Insurance Company2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Duluth agencies are

Duluth agencies we list sit in 3 ZIP codes, mostly in Gwinnett County.

3009610 agencies
300974 agencies
300951 agency

Questions

Accident & Health insurance in Duluth

All insurance agencies in Duluth · Accident & Health insurance across Georgia

Where can I find accident & health insurance in Duluth?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Duluth agencies work with?

Among the 15 Duluth agencies whose appointments we hold, the companies they are most often appointed with are Aetna (6), UnitedHealthcare (6), Centene (5), Medicare Advantage (5), Cigna (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Duluth?

FEMA's National Risk Index rates inland flooding risk in Gwinnett County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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