Live Oak Insurance Agency grew from a simple belief: people deserve guidance they can trust and coverage that truly protects the life they’re building. Long before our agency opened its doors, Phil Setzer spent over a decade as a Georgia property insurance adjuster—helping families recover, rebuilding with them after storms both literal and figurative, and gaining a deep understanding of what real support looks like when life feels uncertain.
When Phil moved to Saint Simons Island, he fell in love—first with the winding oaks and salt-softened breezes, and then with the community that welcomed him in like an old friend. He knew this was the place to plant roots, raise a family, and build something meaningful. Live Oak Insurance Agency is the result of that vision: a local, independent agency shaped by experience, heart, and a genuine commitment to neighbors helping neighbors.
As an independent agency, we partner with a carefully selected network of carriers to offer you options—real choices designed to fit your life, your budget, and your goals. We don’t answer to a single insurance company. We answer to you. That means clear explanations, honest recommendations, and support that continues long after the policy is signed.
Our mission is simple: educate, advocate, and serve. We take pride in helping the Saint Simons community—and families across Georgia—understand their coverages, compare options, and make confident decisions about protecting what matters most. When you need us, we’re here: to review your policies, to shop rates, and to stand by you through the claims process.
At Live Oak Insurance Agency, you’re never just a policy number—you’re a part of this community we love. And we’re honored to help protect your piece of it.
