When you call an insurance company directly, you get one set of rates. When you work with Excelso Insurance Agency, you get access to more than 15 personal lines carriers — compared side by side, with someone who has 20 years of experience reading the differences between them. I'm Cristian Serna, and I run this agency out of Duluth because this is my community. I help families across Gwinnett County find personal insurance coverage that fits their actual lives, not just whatever a single carrier happens to offer that month.


Whether you need auto insurance, homeowners insurance, life insurance, or renters coverage, I shop the market on your behalf and walk you through every option in plain language — in English or Spanish, whichever works better for you.

Personal Insurance Coverage

for Families in Gwinnett  County and Beyond—Shopped Across 15+ Carriers So You Get the Right Fit

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Protection for What Matters Most

Personal Insurance Coverage for Every Stage of Life

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Auto Insurance

Whether you drive a single vehicle or have a household of drivers, I compare rates across multiple carriers to find coverage that fits your situation — including options for high-risk drivers and SR-22 requirements.

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Home Insurance

Your home is likely the largest investment you'll make. I help homeowners in Duluth, Lawrenceville, Suwanee, and surrounding areas find policies that cover it properly — without paying for coverage you don't need.

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Renters Insurance

If you rent your home or apartment, your landlord's policy doesn't cover your belongings. Renters insurance is one of the most affordable coverages available, and most people are surprised how much it protects.

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Life Insurance

I offer term and whole life insurance options through multiple carriers, including no-medical-exam policies for individuals and families who want straightforward coverage without a lengthy approval process.

Why Gwinnett County Residents Choose an Independent Agent

Working with an independent agency means the comparison happens before you sign — not after you realize you overpaid.


  • Access to 15+ personal lines carriers, compared on your behalf
  • No carrier quotas or sales targets driving my recommendations
  • 20 years of insurance experience across independent and captive agency environments
  • Bilingual service in English and Spanish — from the agency owner, not a call center
  • Personal relationship with the agent handling your policy, from quote to claim


I'm not a 1-800 number. When you have a question or need to make a change, you reach me directly.

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Common Questions About Personal Insurance in Georgia

Frequently Asked Questions

  • What types of personal insurance do I actually need in Georgia?

    Georgia law requires auto liability coverage to drive legally. Beyond that, the right mix depends on your situation. If you own a home, homeowners insurance is typically required by your mortgage lender. Renters insurance and life insurance aren't legally required, but they cover gaps that most people can't afford to absorb out of pocket. I'll help you figure out what makes sense for your household — without pushing coverage you don't need.

  • What does it mean to work with an independent insurance agent?

    An independent agent isn't employed by any single insurance company. I work with more than 15 personal lines carriers, which means I compare options across the market and recommend what fits your needs — not what a single company wants to sell. You get a broader range of options and someone in your corner when it's time to file a claim.

  • Do you offer insurance quotes in Spanish?

    Yes. I'm a native Spanish speaker originally from Colombia, and I conduct the entire process in Spanish for clients who prefer it — from the initial quote through policy questions and renewals. This isn't a translation service; it's how I work every day.

  • How do I know I'm getting a competitive rate on personal lines insurance in Georgia?

    Because I compare rates across more than 15 carriers before presenting you with options. Captive agents can only offer you their company's rate. I can show you what the market actually looks like for your profile and help you understand what drives the differences between quotes.

  • Can you help me if I need SR-22 insurance in Georgia?

    Yes. I handle SR-22A filings for drivers in Georgia who have had a license suspension or been classified as high-risk. I work with carriers that specialize in this situation and will find the most competitive rate available for your driving record.

Serving Duluth and the Communities Around It

Excelso Insurance Agency is based in Duluth, GA, and I work with clients throughout Gwinnett County and the broader Atlanta metro. If you're looking for a personal insurance agent near you in Duluth, Georgia, or in a nearby community, I'm likely already working with your neighbors.


I serve clients in Duluth, Lawrenceville, Norcross, Peachtree Corners, Suwanee, and Johns Creek. I also work with Spanish-speaking families across metro Atlanta who want an agent who communicates fluently in their language and understands their background.