Gavop shows you how to buy homeowners insurance in Ringgold, GA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $62,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $181,500 | $170,000 | $175,000-$200,000 |
| 3 Bedroom | $134,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $227,500 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $360,500 | $290,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$123 | $698 |
| Superior Protection Discount | -$82 | $739 |
| Fire & Security Discount | -$66 | $755 |
| Hail Resistant Roof Discount | -$25 | $796 |
| Newly Constructed Home Discount | -$238 | $583 |
| 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 |
| Catoosa County | $700 | $888 | $1,588 | $645 | $1,345 | $243 |
| Ringgold, GA | $2,500 | $811 | $3,311 | $589 | $3,089 | $222 |
| Wildwood Lake, TN | $200 | $960 | $1,160 | $698 | $898 | $262 |
| Lone Oak, TN | $2,500 | $1,089 | $3,589 | $791 | $3,291 | $298 |
| Chatsworth, GA | $500 | $662 | $1,162 | $481 | $981 | $181 |
| Marion County, TN | $700 | $788 | $1,488 | $573 | $1,273 | $215 |
| Dunlap, TN | $500 | $968 | $1,468 | $704 | $1,204 | $265 |
| Shannon, GA | $700 | $726 | $1,426 | $528 | $1,228 | $198 |
| Fort Payne, AL | $400 | $900 | $1,300 | $654 | $1,054 | $246 |
| Sewanee, TN | $700 | $1,357 | $2,057 | $986 | $1,686 | $371 |
| Decatur, TN | $300 | $912 | $1,212 | $663 | $963 | $249 |
| Jasper, GA | $2,000 | $918 | $2,918 | $667 | $2,667 | $251 |
| Home Insurance Company Ringgold, GA | Homeowners Insurance Agency Ringgold, GA | Address | Popularity Score | Distance from Ringgold (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Brock Insurance Agency Inc | 823 Chickamauga Ave, Rossville, GA, 30741 | 9.7 | |
| State Farm | Alan Horne | 28 Bill Wigington Parkway, Jasper, GA, 30143-6859 | 48.6 | |
| State Farm | Parish Lowrie | 360 W Church Street, Jasper, GA, 30143-1400 | 49.7 | |
| State Farm | Teresa Lumsden | 2939 M Berry Hwy Nw, Rome, GA, 30165-9708 | 39.8 | |
| State Farm | Laura Geddie | 5636 Battlefield Pkwy, Ringgold, GA, 30736-5152 | 3.5 | |
| State Farm | Brandon Combs | 236 N Hamilton St Unit 1, Dalton, GA, 30720-4214 | 12.7 | |
| Allstate | Heather Napier | 240 Cove Rd Ste C, Chickamauga, GA, 30707 | 8.3 | |
| State Farm | Julie Svardh | 1515 Dean Ave Se, Rome, GA, 30161-7103 | 44.9 | |
| State Farm | Jackie Bridges | 840 Old Mill Rd, Ringgold, GA, 30736-8020 | 3.9 | |
| Allstate | Thomas Insurance Agency | 3990 Appalachian Hwy, Blue Ridge, GA, 30513 | 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 | $720 | $1,430 | $710 |
| Catoosa County, GA | $138,800 | $899 | $610 | $1,270 | $660 |
| Ringgold, GA | $148,900 | $821 | $580 | $1,120 | $540 |
| Wildwood Lake, TN | $127,800 | $972 | $690 | $1,390 | $700 |
| Lone Oak, TN | $174,400 | $1,102 | $780 | $1,510 | $730 |
| Chatsworth, GA | $109,500 | $670 | $480 | $930 | $450 |
| Marion County, TN | $121,200 | $798 | $580 | $1,130 | $550 |
| Dunlap, TN | $130,400 | $980 | $660 | $1,350 | $690 |
| Shannon, GA | $98,000 | $735 | $500 | $1,040 | $540 |
| Fort Payne, AL | $116,300 | $911 | $610 | $1,280 | $670 |
| Sewanee, TN | $297,700 | $1,373 | $920 | $1,940 | $1,020 |
| Decatur, TN | $113,800 | $923 | $670 | $1,260 | $590 |
| Jasper, GA | $188,100 | $929 | $630 | $1,290 | $660 |