Gavop's guide to buying homeowners insurance in Franklin 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 | $52,000 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $119,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $159,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $261,000 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $305,000 | $280,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$105 | $597 |
| Superior Protection Discount | -$70 | $632 |
| Fire & Security Discount | -$77 | $625 |
| Hail Resistant Roof Discount | -$14 | $688 |
| Newly Constructed Home Discount | -$190 | $513 |
| 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 |
| Franklin County | $2,000 | $694 | $2,694 | $504 | $2,504 | $190 |
| Franklin County, GA | $1,500 | $694 | $2,194 | $504 | $2,004 | $190 |
| Lavonia, GA | $100 | $676 | $776 | $491 | $591 | $185 |
| Martin, GA | $2,000 | $527 | $2,527 | $383 | $2,383 | $144 |
| Alto, GA | $400 | $726 | $1,126 | $528 | $928 | $198 |
| Hull, GA | $700 | $962 | $1,662 | $699 | $1,399 | $263 |
| Talmo, GA | $500 | $957 | $1,457 | $696 | $1,196 | $262 |
| Athens, GA | $1,000 | $972 | $1,972 | $707 | $1,707 | $266 |
| Lexington, GA | $300 | $947 | $1,247 | $688 | $988 | $259 |
| Oakwood, GA | $1,500 | $811 | $2,311 | $589 | $2,089 | $222 |
| Salem, SC | $500 | $931 | $1,431 | $676 | $1,176 | $254 |
| Cashiers, NC | $2,000 | $1,803 | $3,803 | $1,310 | $3,310 | $493 |
| Home Insurance Company Franklin County, GA | Homeowners Insurance Agency Franklin County, GA | Address | Popularity Score | Distance from Franklin County (miles) |
|---|---|---|---|---|
| State Farm | Tracy Talley | 13297 Jones St, Lavonia, GA, 30553-1163 | 8.0 | |
| State Farm | Ben Vaughan | 3616 S Bogan Rd Ste 103, Buford, GA, 30519-4305 | 47.7 | |
| State Farm | Shane Dekle | 665 Highway 29 N, Athens, GA, 30601-1541 | 26.9 | |
| State Farm | Jeanne White | 1400 Buford Hwy Ste D2, Buford, GA, 30518-8722 | 49.2 | |
| Allstate | Planet Insurance | 1328 Hwy , Buford, GA, 30518 | 49.4 | |
| Farmers | Nicholas Greene | 5192 Nelson Brogdon Blvd # 400, Sugar Hill, GA, 30518 | 49.9 | |
| Travelers | North Georgia Insurance Center | 1490 S Broad St, Commerce, GA, 30529 | 17.7 | |
| State Farm | Sean Childers | 4977 Lanier Iss Pkwy Ste 111, Buford, GA, 30518-1716 | 44.7 | |
| Travelers | Hyman Brown Insurance Agency Inc | 11 State St, Commerce, GA, 30529 | 17.7 | |
| State Farm | Gene Arrant | 2720 Mall Of Ga Blvd Ste 104, Buford, GA, 30519-8760 | 47.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $740 | $1,400 | $660 |
| Franklin County, GA | $101,600 | $702 | $510 | $980 | $470 |
| Franklin County, GA | $101,600 | $702 | $470 | $1,000 | $530 |
| Lavonia, GA | $112,600 | $684 | $460 | $960 | $500 |
| Martin, GA | $67,000 | $533 | $380 | $750 | $370 |
| Alto, GA | $98,000 | $735 | $540 | $1,040 | $500 |
| Hull, GA | $148,200 | $974 | $670 | $1,330 | $660 |
| Talmo, GA | $146,900 | $969 | $700 | $1,350 | $650 |
| Athens, GA | $162,200 | $984 | $720 | $1,350 | $630 |
| Lexington, GA | $144,200 | $958 | $640 | $1,350 | $710 |
| Oakwood, GA | $149,100 | $821 | $580 | $1,120 | $540 |
| Salem, SC | $222,500 | $942 | $630 | $1,330 | $700 |
| Cashiers, NC | $427,900 | $1,825 | $1,240 | $2,610 | $1,370 |