Phil Setzer
Email
Agency Owner/Association Specialist
Direct: 912-434-4221
Meet Phil Setzer
Phil Setzer is the founder and owner of Live Oak Insurance Agency, bringing over a decade of hands-on experience in the insurance industry to every client and community he serves. Before opening the agency, Phil spent more than ten years as a Georgia property insurance adjuster, gaining invaluable insight into the challenges and opportunities faced by property owners and associations alike.
Phil’s expertise lies in commercial lines, with a specialized focus on condominium associations and homeowners associations. He understands the unique responsibilities boards face and the importance of protecting shared spaces, amenities, and residents with the right coverage. From master policies and liability to specialized endorsements, Phil helps associations navigate complex insurance needs with confidence and clarity.
Beyond his professional experience, Phil is deeply rooted in Saint Simons Island, where he built the agency to serve both his family and the community he loves. His philosophy is simple: combine industry knowledge with personal care to provide tailored, transparent solutions that protect people, property, and peace of mind.
As agency owner, Phil leads a team dedicated to advocacy, education, and service—ensuring every client, whether an individual homeowner or a large association, receives guidance they can trust and coverage they can rely on.
Agency Owner/Association Specialist
Direct: 912-434-4221
Meet Phil Setzer
Phil Setzer is the founder and owner of Live Oak Insurance Agency, bringing over a decade of hands-on experience in the insurance industry to every client and community he serves. Before opening the agency, Phil spent more than ten years as a Georgia property insurance adjuster, gaining invaluable insight into the challenges and opportunities faced by property owners and associations alike.
Phil’s expertise lies in commercial lines, with a specialized focus on condominium associations and homeowners associations. He understands the unique responsibilities boards face and the importance of protecting shared spaces, amenities, and residents with the right coverage. From master policies and liability to specialized endorsements, Phil helps associations navigate complex insurance needs with confidence and clarity.
Beyond his professional experience, Phil is deeply rooted in Saint Simons Island, where he built the agency to serve both his family and the community he loves. His philosophy is simple: combine industry knowledge with personal care to provide tailored, transparent solutions that protect people, property, and peace of mind.
As agency owner, Phil leads a team dedicated to advocacy, education, and service—ensuring every client, whether an individual homeowner or a large association, receives guidance they can trust and coverage they can rely on.