Insurance

Protecting your investments

Our professionals specialize in customized, cost-effective insurance protection for homes, automobiles, boats, and everything in between.

We are honored to serve all of your property and casualty insurance needs. We are dedicated to a high standard of excellence in all we do and to providing you with exceptional service while looking out for your best interest.

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We’ll give you a call to discuss the best package for you:

Homeowners Insurance

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. We can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.

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Automobile Insurance

When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need.

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Flood Insurance

As a homeowner or renter, it’s imperative that you protect your property from disasters that may occur in your area. As one of the most likely disasters in the U.S., floods can strike anywhere.   Flooding can occur following a disaster like a hurricane or a severe storm, and can be the direct result of rising water levels nearby. Because most property insurance specifically excludes floods, it’s best to secure flood coverage in order to keep your property safe no matter what occurs.

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Renters Insurance

If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions. In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

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Dwelling Fire Insurance

A rental property can be a very profitable investment for a landlord. However, it is important to protect your investment against loss due to unforeseen circumstances which are beyond your control as a landlord. The Dwelling Fire Program offered by Robinson & Toler offers multiple levels of protection for rental properties to provide you with the coverage you need to protect your real estate investment.

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Vacant Building Insurance

Having a Vacant Property is sometimes difficult to insure. Many insurance companies frown upon Vacant Buildings or Vacant Homes because of the increased risk of a loss occurring. It is important to have the right Vacant Building Insurance so that you properly protected when the unforeseen occurs. With a Vacant Home there can be a fire and since no one is around it can spread rapidly and cause major losses to the property.

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Automobile Insurance

When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need.

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Motorcycle Insurance

Protecting your way of life starts with insuring your bike. We work with a leading motorcycle insurer to ensure you’ll receive the best combination of pricing and service you’ve come to expect as our customer.

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Personal Watercraft

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, and injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

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Umbrella/Excess Liability

You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $300,000 of coverage, you may lose a lot of sleep.

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High Net Worth Homeowners

We provide signature personal insurance solutions to affluent individuals and families in high net worth communities. We’re a resource for clients that have significant assets that require special insurance programs and a level of coverage that exceeds what is typical.

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Condominium Insurance

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.

You are responsible for the interior of your unit. Typically you need betterments & improvements, personal property, loss of rental income, liability, and loss assessment coverage.

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Condominium Insurance

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.

You are responsible for the interior of your unit. Typically you need betterments & improvements, personal property, loss of rental income, liability, and loss assessment coverage.

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Testimonials

Shannon was very helpful and friendly. The service was very quick and customer satisfaction oriented.

Sophia Jones

Shannon has amazing customer service, made me feel welcomed! I knew I was making the best choice! I have saved a lot of money and am truly thankful!

Harold Green

Shannon always goes above and beyond for us. Anyone in my family needs insurance I am able to contact her and she gets right on it. It is like we have our very own VIP treatment and she not only helps us but is able to get us the best deal out there…

Grant Harvey

I have been insured with Shannon for the past 3 years. Her staff are so helpful with my insurance needs. A policy I had just increased and they found another company within their agency for a lower price.

Kate Lewis

We work for our clients

Not for the insurance companies

Shannon Murray Biddle

After developing a successful business on St. Simons Island, Shannon Biddle decided to expand her career into the insurance industry. She accepted a position with Robinson & Associates as an independent insurance agent where she represents many different companies. She is able to place your insurance with the company that will best suit your needs, giving you more coverage for your money.

Prior to starting her business and the insurance industry, Shannon earned degrees ranging from a B.S. in Cognitive, Behavioral and Physical Disabilities to an Ed., S in Administrative Leadership. She educated young adults with exceptionalities for seven years until becoming a stay at home mom to her two boys.

Shannon enjoys traveling and spending her spare time with her family. When not in the office or with family she can be found paddle boarding or enjoying a run.