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Learn About Todd Hoffman Agency

Known for our honesty, fast service, and pocket-friendly rates on home, auto, and business insurance, Todd Hoffman Agency is ready to assist you with your insurance needs. Since 2012, Todd Hoffman Agency has been serving the Atlanta, GA, metropolitan area in northern Georgia, from our local office in Cumming, GA. And the best part? We’ve expanded our service areas to meet the needs of our friends in Alabama, North Carolina, South Carolina, and Tennessee. Our mission has always been to protect our community and clients through insurance protection and be your local advisor who works hard on your behalf.

Let us help you out with a new quote or review of your existing policy. If you’re looking to stop by our office for an in-person consultation, our agency is easy to find and there’s plenty of free parking available. Or, if you’d find it more convenient to contact us online or by phone don’t hesitate—we take pride in our responsiveness. Whether you are an individual who has recently leased your first apartment, a new homeowner starting a new chapter in life, a growing family in need of insurance protection, or a business owner seeking to sustain your operations, our agency offers insurance solutions to help you achieve the future dreams they are made of.

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Shop For the Solutions You Need

Todd Hoffman Agency offers a variety of personal insurance and business insurance solutions to help you protect what matters most.

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What is the Todd Hoffman Agency difference?

We are an independent agency built on benefits.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.


An Independent Agency Gives You Options

We proudly represent Nationwide, Travelers, and more!

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Manage Your Policies

Already a client of Todd Hoffman Agency? Visit our Service Center to make requests and manage your insurance.

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  2. Step 2Review your options with us.
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