Gavop's guide to buying homeowners insurance in Morgan 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 | $63,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $137,500 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $163,000 | $150,000 | $150,000-$175,000 |
| 4 Bedroom | $292,000 | $260,000 | $250,000-$300,000 |
| 5 Bedroom | $396,500 | $330,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$157 | $668 |
| Superior Protection Discount | -$82 | $742 |
| Fire & Security Discount | -$91 | $734 |
| Hail Resistant Roof Discount | -$25 | $800 |
| Newly Constructed Home Discount | -$198 | $627 |
| 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 |
| Morgan County | $2,000 | $815 | $2,815 | $592 | $2,592 | $223 |
| Morgan County, GA | $1,500 | $815 | $2,315 | $592 | $2,092 | $223 |
| Mansfield, GA | $400 | $887 | $1,287 | $645 | $1,045 | $242 |
| Woodville, GA | $2,000 | $571 | $2,571 | $415 | $2,415 | $156 |
| Phoenix, GA | $100 | $868 | $968 | $631 | $731 | $237 |
| Clarke County, GA | $1,500 | $947 | $2,447 | $688 | $2,188 | $259 |
| Grayson, GA | $200 | $1,288 | $1,488 | $936 | $1,136 | $352 |
| Dacula, GA | $2,000 | $903 | $2,903 | $656 | $2,656 | $247 |
| Southwest Butts, GA | $100 | $747 | $847 | $543 | $643 | $204 |
| Gray-Macon East, GA | $700 | $879 | $1,579 | $639 | $1,339 | $240 |
| Gresham Park, GA | $1,000 | $632 | $1,632 | $460 | $1,460 | $173 |
| Home Insurance Company Morgan County, GA | Homeowners Insurance Agency Morgan County, GA | Address | Popularity Score | Distance from Morgan County (miles) |
|---|---|---|---|---|
| Travelers | Knight And Tabb Insurance Agency | 7145 Floyd St, Covington, GA, 30014 | 20.0 | |
| Allstate | Neil L. Dobbs | 809 Church St, Decatur, GA, 30030 | 48.0 | |
| Farmers | Amit Handa | 3883 Rogers Bridge Rd Ste 304a, Duluth, GA, 30097 | 47.3 | |
| State Farm | Ken Dean | 1845 Grayson Hwy Ste 200, Grayson, GA, 30017-4972 | 34.3 | |
| State Farm | Jason Martin | 3604 Chamblee Tucker Rd, Atlanta, GA, 30341-4418 | 47.8 | |
| Travelers | Securerisk | 2009 Montreal Rd, Tucker, GA, 30084 | 47.3 | |
| State Farm | Eric Lu | 5755 Lawrenceville Highway, Tucker, GA, 30084 | 43.6 | |
| State Farm | Chris Bruce | 1569 Janmar Rd Ste E, Snellville, GA, 30078-5780 | 36.1 | |
| State Farm | Ray Rogers | 2859a N Druid Hills Rd Ne, Atlanta, GA, 30329 | 49.6 | |
| State Farm | Betty Leathers | 2690 Lawrenceville Hwy, Decatur, GA, 30033-2520 | 47.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $680 | $1,410 | $730 |
| Morgan County, GA | $208,200 | $825 | $590 | $1,180 | $590 |
| Morgan County, GA | $208,200 | $825 | $600 | $1,140 | $540 |
| Mansfield, GA | $175,700 | $898 | $620 | $1,270 | $650 |
| Woodville, GA | $73,300 | $578 | $420 | $810 | $390 |
| Phoenix, GA | $241,400 | $879 | $590 | $1,200 | $610 |
| Clarke County, GA | $154,600 | $958 | $640 | $1,330 | $690 |
| Grayson, GA | $273,100 | $1,304 | $940 | $1,810 | $870 |
| Dacula, GA | $133,500 | $914 | $660 | $1,260 | $600 |
| Southwest Butts, GA | $130,500 | $756 | $510 | $1,080 | $570 |
| Gray-Macon East, GA | $128,300 | $890 | $600 | $1,260 | $660 |
| Gresham Park, GA | $102,800 | $640 | $460 | $890 | $430 |