Gavop's guide to buying homeowners insurance in Lowndes 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 | $56,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $109,000 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $156,500 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $232,000 | $220,000 | $175,000-$200,000 |
| 5 Bedroom | $288,500 | $270,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$165 | $705 |
| Superior Protection Discount | -$78 | $792 |
| Fire & Security Discount | -$96 | $774 |
| Hail Resistant Roof Discount | -$17 | $853 |
| Newly Constructed Home Discount | -$200 | $670 |
| 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 |
| Lowndes County | $2,500 | $860 | $3,360 | $625 | $3,125 | $235 |
| Lowndes County, GA | $1,000 | $860 | $1,860 | $625 | $1,625 | $235 |
| Cecil, GA | $300 | $708 | $1,008 | $515 | $815 | $194 |
| Lakeland, GA | $1,500 | $674 | $2,174 | $490 | $1,990 | $184 |
| Empress, GA | $400 | $619 | $1,019 | $450 | $850 | $169 |
| Nashville, GA | $1,500 | $612 | $2,112 | $445 | $1,945 | $167 |
| Madison, FL | $400 | $856 | $1,256 | $622 | $1,022 | $234 |
| Eldorado, GA | $700 | $655 | $1,355 | $476 | $1,176 | $179 |
| Funston, GA | $100 | $637 | $737 | $463 | $563 | $174 |
| Phillipsburg, GA | $1,500 | $646 | $2,146 | $470 | $1,970 | $177 |
| Brookfield, GA | $300 | $906 | $1,206 | $658 | $958 | $248 |
| Ty Ty, GA | $700 | $786 | $1,486 | $572 | $1,272 | $215 |
| Home Insurance Company Lowndes County, GA | Homeowners Insurance Agency Lowndes County, GA | Address | Popularity Score | Distance from Lowndes County (miles) |
|---|---|---|---|---|
| State Farm | Christi Marsh | 2241 Bemiss Rd, Valdosta, GA, 31602-1981 | 2.3 | |
| State Farm | Travis Pate | 515 N St Augustine Road, Valdosta, GA, 31601-3540 | 2.6 | |
| State Farm | Brian Sumner | 3101 N Ashley St Ste A, Valdosta, GA, 31602-5917 | 3.1 | |
| State Farm | Kelly Barr | 3310 Inner Perimeter Rd Ste A, Valdosta, GA, 31602-7251 | 3.6 | |
| Allstate | Larry Ganas | 1004 N Patterson St, Valdosta, GA, 31601 | 1.1 | |
| State Farm | Bubba Highsmith | 1303 Baytree Rd, Valdosta, GA, 31602-2751 | 2.5 | |
| Travelers | Coffee Insurance Agency Inc | 2358 Ga Highway 122, Thomasville, GA, 31757 | 39.9 | |
| Travelers | Blanton And Griffin Insurance Agency | 2314 North Patterson Street, Valdosta, GA, 31601 | 2.2 | |
| State Farm | Jeff Jeffords | 816 1st Ave Se, Moultrie, GA, 31768-4867 | 38.5 | |
| Travelers | Tanner Insurance Agency | 407 Main St N, Pearson, GA, 31642 | 40.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $690 | $1,440 | $750 |
| Lowndes County, GA | $129,700 | $870 | $590 | $1,240 | $650 |
| Lowndes County, GA | $129,700 | $870 | $590 | $1,210 | $620 |
| Cecil, GA | $95,000 | $717 | $520 | $990 | $470 |
| Lakeland, GA | $112,100 | $682 | $470 | $970 | $500 |
| Empress, GA | $80,600 | $627 | $450 | $880 | $430 |
| Nashville, GA | $86,700 | $619 | $420 | $880 | $460 |
| Madison, FL | $93,400 | $866 | $680 | $1,160 | $480 |
| Eldorado, GA | $86,100 | $663 | $470 | $910 | $440 |
| Funston, GA | $91,000 | $644 | $430 | $900 | $470 |
| Phillipsburg, GA | $84,700 | $654 | $440 | $910 | $470 |
| Brookfield, GA | $134,400 | $917 | $670 | $1,290 | $620 |
| Ty Ty, GA | $109,000 | $796 | $550 | $1,140 | $590 |