Gavop's guide to buying homeowners insurance in Phoenix, 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.
| Phoenix, GA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Long Shoals Ave, Beech Haven Ln, Sinclair Dr, Hidden Lake Ln, Oconee Springs Rd SE, Sugar Creek Ct, Cedar Cove Dr, Cold Branch Ln, Riverside Dr, Haralson Dr | $320,000 | $300,000 | $300,000-$350,000 | $178,000 | $160,000 | $150,000-$175,000 |
| Old Phoenix Rd NE, Oconee Cir, Martin Oaks Blvd, Scott Rd NE, Gregory Ln, Ellman Dr, Westover Ct, Island View Ln, Crooked Creek Dr SE, N Steel Bridge Rd | $412,000 | $330,000 | $400,000-$500,000 | $322,500 | $270,000 | $250,000-$300,000 |
| Robin Ct, Hunters Chase Ct, Arbors Ln, Oak Grove Ln, Phoenix Rd, Park Rd, E River Bend Way, Douglas Ct, Carp Ln, Texas Chapel Rd | $430,500 | $380,000 | $400,000-$500,000 | $202,500 | $180,000 | $200,000-$250,000 |
| Stanton Dr, Martin Luther King Jr Dr, Oak Wood Dr, Catfish St, Alexander Rd, Oconee Estates Dr, Sugar Creek Trl NE, Sands Dr, Sebastian Dr, Clubhouse Rd | $224,000 | $190,000 | $175,000-$200,000 | $217,000 | $190,000 | $250,000-$300,000 |
| Oakton S, Normandy Rd, Cold Branch Rd, Pinewood Dr, Arrowhead Trl, Reynolds Dr, Pinkerton Rd, Brer Bear Rd, Possum Point Cir SE, Sparta Hwy | $293,500 | $250,000 | $300,000-$350,000 | $207,000 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$132 | $747 |
| Superior Protection Discount | -$88 | $791 |
| Fire & Security Discount | -$62 | $817 |
| Hail Resistant Roof Discount | -$18 | $861 |
| Newly Constructed Home Discount | -$202 | $677 |
| 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 |
| Putnam County | $2,500 | $869 | $3,369 | $631 | $3,131 | $237 |
| Phoenix, GA | $1,500 | $868 | $2,368 | $631 | $2,131 | $237 |
| White Plains, GA | $100 | $1,169 | $1,269 | $849 | $949 | $319 |
| Gray, GA | $1,500 | $932 | $2,432 | $677 | $2,177 | $255 |
| Ivey, GA | $100 | $517 | $617 | $376 | $476 | $141 |
| Gray-Macon East, GA | $700 | $879 | $1,579 | $639 | $1,339 | $240 |
| Oconee County, GA | $500 | $1,157 | $1,657 | $841 | $1,341 | $316 |
| Macon East, GA | $2,500 | $558 | $3,058 | $406 | $2,906 | $153 |
| Tennille, GA | $500 | $483 | $983 | $351 | $851 | $132 |
| Jersey, GA | $1,000 | $851 | $1,851 | $618 | $1,618 | $232 |
| Stapleton, GA | $100 | $627 | $727 | $456 | $556 | $171 |
| McDuffie County, GA | $2,000 | $631 | $2,631 | $458 | $2,458 | $172 |
| Home Insurance Company Phoenix, GA | Homeowners Insurance Agency Phoenix, GA | Address | Popularity Score | Distance from Phoenix (miles) |
|---|---|---|---|---|
| State Farm | Shane Dekle | 665 Highway 29 N, Athens, GA, 30601-1541 | 45.3 | |
| Travelers | Barrett Insurance Agency Inc | 7704 Hampton Place, Loganville, GA, 30052 | 49.6 | |
| Travelers | Barrett Insurance Agency Inc | 7704 Hampton Place, Loganville, GA, 30052 | 49.2 | |
| State Farm | Peyton Pettus | 306 S Hammond Dr, Monroe, GA, 30655-2428 | 39.8 | |
| Nationwide | Larry Cole Insurance Inc | 2023 Hog Mountain Rd, Watkinsville, GA, 30677-1954 | 38.0 | |
| Travelers | Biltmore Insurance | 4764 Atlanta Hwy 78, Loganville, GA, 30052 | 48.8 | |
| State Farm | Wendy Bear | 1029 Railroad St. Nw, Conyers, GA, 30012 | 48.7 | |
| State Farm | Ches Smith | 425 N Milledge Ave, Athens, GA, 30601-3807 | 43.1 | |
| Nationwide | Plw & Associates | 976 E Freeway Dr Ste B, Conyers, GA, 30094 | 47.8 | |
| Allstate | Tony Logue | 2008 Eastview Pkwy Ste 500, Conyers, GA, 30013 | 46.7 |
| 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 | $1,440 | $760 |
| Putnam County, GA | $168,700 | $879 | $600 | $1,200 | $600 |
| Phoenix, GA | $241,400 | $879 | $620 | $1,260 | $640 |
| White Plains, GA | $217,900 | $1,183 | $790 | $1,690 | $900 |
| Gray, GA | $140,400 | $943 | $640 | $1,300 | $660 |
| Ivey, GA | $65,700 | $523 | $380 | $740 | $360 |
| Gray-Macon East, GA | $128,300 | $890 | $640 | $1,230 | $590 |
| Oconee County, GA | $252,000 | $1,171 | $780 | $1,670 | $890 |
| Macon East, GA | $71,500 | $565 | $380 | $790 | $410 |
| Tennille, GA | $61,200 | $489 | $360 | $690 | $330 |
| Jersey, GA | $162,100 | $861 | $590 | $1,200 | $610 |
| Stapleton, GA | $81,800 | $635 | $460 | $900 | $440 |
| McDuffie County, GA | $102,500 | $638 | $450 | $900 | $450 |