Insurance Services

Homeowner's Insurance

There can be a dramatic difference between homeowners insurance policies. Homeowners insurance covers your dwelling, your personal property, and usually lawsuits filed against you. When bad things happen, at that moment in life, coverage is always more important than the premium. When you contact us, we will provide you the information to chose the coverages that could be important to you.

Auto Insurance

Whatever type of vehicle you own; car, truck, moped, harley, golf cart, or anything else that gets you to where you are going, something could happen that might cause you pain. Whether you damage your vehicle, or someone else's vehicle or property or their body, your auto policy is where you will turn to take care of the bills. These bills can be enormous. We can explain your options and the cost.

Business Insurance

If you are the person making the payroll, then you know that you need different insurance than that of your employees. If you build things, sell things, deliver things, cook things, store things, or give advice, call us. We specialize in small business that keeps America thriving. Many of the companies we represent offer special policies for specific businesses. Call to see if your business is one of them.

Life Insurance

It's simple and usually less expensive that you think. We represent most of the top companies in the United States. Everyday, people die unexpectedly, either by accident or illness. No one knows when. If you have people in your life that depend on you for their livelihood, call us and we can explain your options. We can give premium information over the phone for most clients. Call and ask for Chuck Spencer.

Marine/Boat Insurance

If you are a boater, there can be nothing more satisfying than a day on the water with friends and family. Unfortunately, accidents happen on the water suddenly and always unexpectedly. Be prepared for these moments of excitement. Whether you are the store that sells the boat, you own the boat, fix the boat or the marina where the boat is kept, everyone needs specific insurance that is unique to the marine industry. We have been designated as Marine Specialists by many of the insurance companies we represent. Call us and ask for Chuck Spencer.

Medicare Insurance

Medicare insurance can be very confusing. If you need help, call us. We represent most of the top-rated companies. We will take all the time you need to understand the options available to you. Ask for Chuck Spencer.

About Us

We are an Independent Insurance Agency. We do not work for the insurance companies, we work for you. Unlike a business which offers a product from a single company, we draw on the products and services of many highly-rated insurance companies. We follow strict criteria when choosing the companies we represent and constantly monitor their performance. Our compensation system creates an incentive for us to keep our customers satisfied. Therefore, you can expect us to do all we can to ensure total customer satisfaction.

Our Team

Chuck & Mary Alice Spencer


Chuck and Mary Alice Spencer. Chuck and Mary Alice are both Graduates of University of South Florida. Married in March, 1977, Chuck served in the US Navy as an Aviator and an Aviation Supply Officer, while Mary Alice served as a Civilian working for the Navy. After the Navy, they settled in Atlanta and opened the agency in 1987, representing only the Aetna Life and Casualty Insurance Company. More than three decades later, they are both active in the agency operations while representing dozens of fine insurance companies. Chuck and Mary Alice are both licensed in Florida and Georgia for all lines of Insurance.

Charlie Spencer

Charlie Spencer. Charlie graduated South Forsyth High School in 2001 and Florida Gulf Coast University in 2006. While in high school and college in Fort Myers, FL, Charlie worked in the boat business for several operations including Marine Max where he earned many awards. Charlie joined the agency in 2007, where he specialized in Personal and Business Insurance of all types, including the marine industry, pleasure boats and yachts. He received a 100 Ton US Coast Guard Captain's license and was active in the boating community and the Lake Lanier Association. In February 2023, Charlie lost a 2-year battle with colon cancer. Although Charlie's life was cut short, the impact he had on those around him will live on.

Jessie Dennis
Agency Operations Manager and Personal Lines Agent

Jessie Dennis. Jessie, daughter of Chuck and Mary Alice, graduated from South Forsyth High School in 2004 and Georgia Tech in 2008. With a degree in Industrial Engineering, she began her career teaching high school math in Huntersville, NC. Jessie joined the agency in 2022 and manages the day to day operations as well as being a personal lines agent. Jessie and her husband, Tim, have two boys who are avid soccer players, and live in the Atlanta area. She loves connecting with our customers, both new and old, and communicating the value of having a relationship with an independent agent.

Amanda Henderson
Commercial Lines Manager
Licensed Commercial and Personal Lines Agent

Becky Wiley

Licensed Personal Lines Agent and Account Manager

Mary Barbara Wernette
Licensed Personal Lines Agent and Account Manager

Savannah Kelley
Customer Service Representative

Customer Service

We Believe

At Spencer Insurance, we believe you are entitled to the individual attention you deserve. Our entire staff of agents and customer service representatives will always provide you with the best customer service available.

"Spencer Insurance has been the best insurance agency I've ever worked with. They have a great variety of insurance solutions, and provide excellent customer service"

Jim S.
Business Owner, Duluth, GA

"We started with just car insurance... Now Spencer Insurance handles our homeowner's, life and more!"

Carol K.
Financial Services Consultant

"Simply the best people to work with! Insurance is complicated, and the folks at Spencer Insurance made it as easy as one, two, three!"

Cynthia G.
Financial Specialist, Woodstock, GA

Contact us

Please feel free to contact us with any questions. We look forward to hearing from you.

769 Peachtree Parkway, Suite 4
     Cumming, GA 30041