Gavop's guide to buying homeowners insurance in Rock Spring, 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 | $38,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $75,500 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $152,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $123,000 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $187,000 | $170,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $730 |
| Superior Protection Discount | -$89 | $801 |
| Fire & Security Discount | -$98 | $792 |
| Hail Resistant Roof Discount | -$27 | $864 |
| Newly Constructed Home Discount | -$196 | $695 |
| 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 |
| Walker County | $2,500 | $773 | $3,273 | $562 | $3,062 | $211 |
| Rock Spring, GA | $1,000 | $880 | $1,880 | $639 | $1,639 | $240 |
| Whitfield County, GA | $300 | $836 | $1,136 | $607 | $907 | $228 |
| Varnell, GA | $1,000 | $896 | $1,896 | $651 | $1,651 | $245 |
| Walden, TN | $500 | $1,592 | $2,092 | $1,157 | $1,657 | $435 |
| Long Island, AL | $2,000 | $842 | $2,842 | $612 | $2,612 | $230 |
| Marion County, TN | $200 | $788 | $988 | $573 | $773 | $215 |
| Bradley County, TN | $1,000 | $985 | $1,985 | $716 | $1,716 | $269 |
| Mowbray Mountain, TN | $400 | $1,086 | $1,486 | $789 | $1,189 | $297 |
| Jackson County, AL | $700 | $967 | $1,667 | $702 | $1,402 | $264 |
| Lindale, GA | $400 | $635 | $1,035 | $462 | $862 | $174 |
| Fyffe, AL | $1,500 | $837 | $2,337 | $608 | $2,108 | $229 |
| Home Insurance Company Rock Spring, GA | Homeowners Insurance Agency Rock Spring, GA | Address | Popularity Score | Distance from Rock Spring (miles) |
|---|---|---|---|---|
| State Farm | Kelly Thornbury | 4131 Chattanooga Valley Rd, Flintstone, GA, 30725-2467 | 9.9 | |
| State Farm | Teresa Lumsden | 2939 M Berry Hwy Nw, Rome, GA, 30165-9708 | 35.1 | |
| State Farm | Brandon Combs | 236 N Hamilton St Unit 1, Dalton, GA, 30720-4214 | 15.6 | |
| Travelers | Garner & Glover Company | 135 E Eighth Ave, Rome, GA, 30161 | 38.7 | |
| Allstate | Heather Napier | 240 Cove Rd Ste C, Chickamauga, GA, 30707 | 5.0 | |
| State Farm | Julie Svardh | 1515 Dean Ave Se, Rome, GA, 30161-7103 | 40.2 | |
| Nationwide | Lester G Jenkins | 413 Shorter Ave Ste 102, Rome, GA, 30161 | 37.9 | |
| State Farm | Jackie Bridges | 840 Old Mill Rd, Ringgold, GA, 30736-8020 | 8.9 | |
| State Farm | Mike Herndon | 8010 Hwy 27 North, Rock Spring, GA, 30739-0719 | 0.5 | |
| Travelers | Innovative Risk Services Llc | 405 N Hamilton St, Dalton, GA, 30720 | 15.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $700 | $1,430 | $730 |
| Walker County, GA | $111,100 | $783 | $560 | $1,110 | $550 |
| Rock Spring, GA | $172,600 | $890 | $600 | $1,260 | $660 |
| Whitfield County, GA | $124,300 | $846 | $570 | $1,200 | $630 |
| Varnell, GA | $132,100 | $907 | $630 | $1,250 | $620 |
| Walden, TN | $369,500 | $1,611 | $1,100 | $2,210 | $1,110 |
| Long Island, AL | $104,100 | $852 | $610 | $1,200 | $590 |
| Marion County, TN | $121,200 | $798 | $530 | $1,100 | $570 |
| Bradley County, TN | $150,100 | $997 | $690 | $1,420 | $730 |
| Mowbray Mountain, TN | $173,000 | $1,099 | $750 | $1,510 | $760 |
| Jackson County, AL | $105,000 | $978 | $670 | $1,350 | $680 |
| Lindale, GA | $83,100 | $643 | $440 | $890 | $450 |
| Fyffe, AL | $103,100 | $847 | $610 | $1,160 | $550 |