Welcome to the Lem Howard State Farm Insurance Office in Lithonia, Georgia. Since 1999, I have been a trusted partner for individuals, families, and business owners across Georgia, helping you make smart, well-informed insurance decisions and stay focused on protecting what matters most.

Our dedicated team is here to assess your needs and find personalized insurance options that support your lifestyle and goals. Whether you are new to insurance, looking to update existing coverages, or simply want to review what you already have, we deliver a personalized and convenient experience. We offer a full range of State Farm products to help prepare you for life's moments. This includes Auto Insurance to keep you moving safely, Home Insurance to protect your biggest asset, and Life Insurance for your family's future security. We also assist with Business Insurance, Renters Insurance, Condo Insurance, Motorcycle Insurance, and even Pet Insurance—and yes, our office is pet-friendly!

We proudly serve Good Neighbors throughout Lithonia, Stonecrest, Stone Mountain, Decatur, DeKalb County, Atlanta, Tucker, and all of Georgia. Not sure where to begin preparing your coverage? We can develop a Personal Price Plan® customized to bundle coverages and fit your unique needs, helping to protect your dreams and security.

A little about me: I am a native Atlantan and a proud University of Georgia graduate. Outside of work, I enjoy skiing, traveling, and staying active. I also find joy in coaching sports and actively supporting our community through groups like Habitat for Humanity and various local food initiatives.

We would love to meet you and help you navigate your insurance needs. Contact us today here in Lithonia to discuss your options or stop by for a friendly chat.

Frequently Asked Questions (FAQs)

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

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. In and around the metro Atlanta area. You can count on Lem for personalized service.

Q: How fast can I get car insurance?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. For personalized coverage in Lithonia, GA, reach out to Lem.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Lem is here to help your Stonecrest/ Lithonia household feel covered.

Q: What should I know about life insurance?

A: Life insurance is designed to help provide financial support to your loved ones if something happens to you. It can help cover expenses like daily living costs, debts, or future needs, depending on the type of policy and coverage you choose. Looking for coverage? Talk with Lem about your options in Stonecrest/ Lithonia.

Q: What protections does home insurance usually provide?

A: Homeowners insurance can help protect your home, your personal belongings, and your finances. It typically includes coverage for the structure of your home, your belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. Lem is proud to serve the Stonecrest/ Lithonia community.

Q: What kinds of things does renters insurance protect?

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. Serving Lithonia and the surrounding area, Lem can help answer your questions.