
Ray Risner
Principal

Di Smith
Senior Professional Agent
Established in 2004, DM Insurance is an independent insurance agency serving individuals, families and business in our community and across Georgia including Roswell, Alpharetta, Cumming, Duluth, Jones Creek, Metro Atlanta and North Georgia. We provide a full spectrum of insurance products, including Home, Auto, Umbrella, Boat, Motorcycle, Recreational Vehicles, Business Liability, Workers Compensation, Health Benefits, Life and Cyber Attack protection.
Our mission is to provide insurance solutions that meet our clients’ unique and individual needs. Because we represent a great selection of financially strong and renowned insurance companies, we are able to develop customized insurance plans at an optimal value to our clients. As independent insurance agents, we work for YOU. We have access to multiple companies, and our commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products, and unparalleled advocacy.
We protect families, business and individuals as we provide advice and choices on important financial decisions. Our guidance is free to our customers as we help them navigate through the claim process and protect their future insurability.
When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or business owner policy — you wouldn’t have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.
Posted: March 1, 2021
If you have the good fortune to own a vacation home, it is important to protect your investment. You may need a separate insurance policy to cover your second home. Vacation home insurance can help protect that property against a range of perils. Why Do I Need Separate Insurance for a Second Home? For a second home you don’t live in full time, you will... Read Article
Posted: February 25, 2021
We all know we need exercise to look and feel better. But it can be difficult (or seemingly impossible) to fit into a busy lifestyle. Here are some ways to get your body moving, no matter how hectic your schedule may be. Move Around While You Talk On the Phone Pick up the phone instead of texting or emailing, and move around while you talk.... Read Article
Posted: February 22, 2021
When one spouse is the primary breadwinner, it is obvious why that person needs life insurance to protect the family. But a stay-at-home spouse needs life insurance, as well. Just because a person is not working at a paying job, that does not mean he or she lacks financial value. Consider what it would cost to pay another person for the services a stay-at-home spouse... Read Article
Posted: February 19, 2021
Cybercrime has become a common occurrence. A data breach can have a tremendous impact on the health and finances of a business. If your company’s data was stolen in a cyber incursion, it can damage its reputation, expose it to liability, and interrupt business operations. Cyber liability insurance allows you to transfer some of that risk to an insurance company. What Are the Cyber Risks... Read Article