Terry Harper

Thanksgiving Hours: We will be closed Thanksgiving Day 11/26 and Friday 11/27.

I also encourage everyone to stay WEATHER AWARE and BE PREPARED.

If you need to file a claim, please call 1‐855‐529‐8568 or 1‐800‐SFCLAIMS.

My name is Terry Harper, and I’ve been a State Farm agent right here in Franklin, GA since 1980. I truly enjoy being an agent because it gives me the chance to serve my community and build real relationships with the people I work with every day. I value sitting down with customers to talk through their insurance needs and helping them understand their coverages before they’re ever needed. When unexpected life events happen, being able to offer comfort, guidance, and support is one of the most meaningful parts of my job.

At Harper Insurance Agency Inc., my team and I offer a wide range of insurance services designed to help protect what matters most at every stage of life, whether you’re preparing for the road ahead, safeguarding your home, or supporting your family’s future.

Our products include, but are not limited to:

• Auto

• Home

• Life

• Supplement Health insurance

• Boat

• Recreational Vehicle

• Business

• Motorcycle

• Renters

• Travel Trailers

My team and I are committed to treating our customers like family and providing a high level of personal service you can count on. If you’d like to connect, feel free to reach out and request a quote—I’d be glad to help.

Frequently Asked Questions (FAQ)

Q: What's an effective way to get car insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Terry works with Franklin residents to find coverage that fits.

Q: How quickly can car insurance coverage start?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. For personalized coverage in Franklin, GA, reach out to Terry.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Connect with Terry for insurance guidance in Franklin.

Q: Do you need to carry insurance on your home?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. In Franklin, you can count on Terry for personalized service.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. It can help give your loved ones financial support when they may need it most. Terry is here to help your Franklin household feel covered.

Q: What's included in renters insurance coverage?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Looking for coverage? Talk with Terry about your options in Franklin.