Gavop's guide to buying homeowners insurance in Heard County, GA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $102,000 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $142,000 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $158,500 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $238,000 | $210,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$56 | $641 |
| Home and Two Car | -$118 | $578 |
| Home and Three Car | -$160 | $536 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Heard County | $700 | $688 | $1,388 | $500 | $1,200 | $188 |
| Heard County, GA | $2,000 | $688 | $2,688 | $500 | $2,500 | $188 |
| Randolph County, AL | $300 | $742 | $1,042 | $539 | $839 | $203 |
| Gay, GA | $2,500 | $665 | $3,165 | $483 | $2,983 | $182 |
| Winston, GA | $100 | $834 | $934 | $606 | $706 | $228 |
| Woodbury, GA | $2,500 | $584 | $3,084 | $424 | $2,924 | $160 |
| Opelika, AL | $200 | $884 | $1,084 | $643 | $843 | $242 |
| Camp Hill, AL | $2,500 | $670 | $3,170 | $487 | $2,987 | $183 |
| East Point, GA | $100 | $664 | $764 | $483 | $583 | $181 |
| Munford, AL | $1,000 | $857 | $1,857 | $623 | $1,623 | $234 |
| Clayton County, GA | $100 | $655 | $755 | $476 | $576 | $179 |
| Zebulon, GA | $1,000 | $859 | $1,859 | $624 | $1,624 | $235 |
| Home Insurance Company Heard County, GA | Homeowners Insurance Agency Heard County, GA | Address | Popularity Score | Distance from Heard County (miles) |
|---|---|---|---|---|
| State Farm | Dave Grant | 44 Darbys Crossing Dr Ste 214, Hiram, GA, 30141-6038 | 47.9 | |
| Allstate | Amy Burman | 8442 Adair St Ste A, Douglasville, GA, 30134 | 39.0 | |
| State Farm | Brian Brakefield | 30 E Main St N, Hampton, GA, 30228-5502 | 50.0 | |
| Allstate | Tammie Pero | 102 Trojan Dr Ste A, Carrollton, GA, 30117 | 19.4 | |
| State Farm | Elanit Hasas | 1400 Vet Mem Hwy Se Ste 106, Mableton, GA, 30126-2947 | 48.6 | |
| State Farm | Nathan Brain | 3441 Highway 34 E Ste A, Sharpsburg, GA, 30277-3560 | 28.3 | |
| State Farm | Stephanie Fagerstrom | 28 Hospital Rd, Newnan, GA, 30263-1201 | 19.8 | |
| State Farm | Buddy Drakeford | 1895 Phoenix Blvd Ste 306, Atlanta, GA, 30349-5185 | 45.8 | |
| Nationwide | John Hurst Insurance Group Inc | 5604 Wendy Bagwell Pkwy Ste 312, Hiram, GA, 30141-7814 | 47.1 | |
| Allstate | Marlon Field | 7170 Tara Blvd Ste C, Jonesboro, GA, 30236 | 48.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $720 | $1,440 | $720 |
| Heard County, GA | $100,500 | $697 | $490 | $950 | $460 |
| Heard County, GA | $100,500 | $697 | $490 | $990 | $500 |
| Randolph County, AL | $85,200 | $751 | $520 | $1,060 | $540 |
| Gay, GA | $87,800 | $673 | $480 | $960 | $480 |
| Winston, GA | $156,500 | $844 | $620 | $1,170 | $550 |
| Woodbury, GA | $75,200 | $591 | $430 | $840 | $410 |
| Opelika, AL | $151,400 | $895 | $650 | $1,240 | $590 |
| Camp Hill, AL | $55,800 | $678 | $460 | $960 | $500 |
| East Point, GA | $91,000 | $672 | $480 | $960 | $480 |
| Munford, AL | $142,900 | $867 | $620 | $1,230 | $610 |
| Clayton County, GA | $89,400 | $663 | $450 | $910 | $460 |
| Zebulon, GA | $165,100 | $869 | $600 | $1,230 | $630 |