Gavop's guide to buying homeowners insurance in Dougherty 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 | $39,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $70,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $77,000 | $60,000 | $75,000-$100,000 |
| 4 Bedroom | $126,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $224,000 | $190,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$118 | $618 |
| Superior Protection Discount | -$74 | $662 |
| Fire & Security Discount | -$66 | $669 |
| Hail Resistant Roof Discount | -$15 | $721 |
| Newly Constructed Home Discount | -$184 | $551 |
| 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 |
| Dougherty County | $2,000 | $726 | $2,726 | $528 | $2,528 | $199 |
| Dougherty County, GA | $1,000 | $726 | $1,726 | $528 | $1,528 | $199 |
| Poulan, GA | $200 | $641 | $841 | $466 | $666 | $175 |
| Shellman, GA | $1,500 | $644 | $2,144 | $468 | $1,968 | $176 |
| Edison, GA | $100 | $380 | $480 | $276 | $376 | $104 |
| Cordele, GA | $1,500 | $596 | $2,096 | $433 | $1,933 | $163 |
| Chula, GA | $300 | $921 | $1,221 | $669 | $969 | $252 |
| Moultrie, GA | $700 | $599 | $1,299 | $435 | $1,135 | $164 |
| Tift County, GA | $200 | $778 | $978 | $566 | $766 | $213 |
| Unionville, GA | $700 | $356 | $1,056 | $258 | $958 | $97 |
| Ellaville South, GA | $400 | $759 | $1,159 | $551 | $951 | $207 |
| Fort Gaines, GA | $2,500 | $422 | $2,922 | $307 | $2,807 | $115 |
| Home Insurance Company Dougherty County, GA | Homeowners Insurance Agency Dougherty County, GA | Address | Popularity Score | Distance from Dougherty County (miles) |
|---|---|---|---|---|
| State Farm | Bobby Underwood | 307 Grand Island Dr Ste 1, Albany, GA, 31707-1298 | 6.3 | |
| State Farm | Steve Perrine | 537 N. Westover Blvd., Albany, GA, 31707 | 5.2 | |
| State Farm | Jim Scarbrough | 431 2nd Ave Se, Cairo, GA, 39828-2808 | 45.3 | |
| State Farm | Nichole Hilliard | 198 W Railroad St S, Pelham, GA, 31779-1608 | 28.3 | |
| State Farm | Tim Thomas | 1800 North Slappey Boulevard, Albany, GA, 31701-1436 | 5.1 | |
| State Farm | Carl Plowden | 1549 Us Highway 19 S, Leesburg, GA, 31763-4966 | 7.1 | |
| Allstate | Reid Mathis | 1111 Whispering Pines Rd, Albany, GA, 31707 | 5.3 | |
| Allstate | Henry Harris | 723 N Slappey Blvd Ste B, Albany, GA, 31701 | 4.3 | |
| Travelers | Brown Detherage Insurors | 1607 B Highway 19 South, Leesburg, GA, 31763 | 6.9 | |
| Travelers | Southwest Georgia Insurance Services | 501 S Main St, Moultrie, GA, 31768 | 35.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $740 | $1,450 | $710 |
| Dougherty County, GA | $102,100 | $735 | $500 | $1,010 | $510 |
| Dougherty County, GA | $102,100 | $735 | $500 | $1,010 | $510 |
| Poulan, GA | $91,800 | $649 | $440 | $900 | $460 |
| Shellman, GA | $84,500 | $652 | $440 | $910 | $470 |
| Edison, GA | $48,200 | $385 | $280 | $530 | $250 |
| Cordele, GA | $84,000 | $604 | $400 | $850 | $450 |
| Chula, GA | $137,900 | $932 | $660 | $1,330 | $670 |
| Moultrie, GA | $84,400 | $606 | $410 | $840 | $430 |
| Tift County, GA | $112,200 | $788 | $540 | $1,110 | $570 |
| Unionville, GA | $45,200 | $360 | $240 | $500 | $260 |
| Ellaville South, GA | $103,900 | $768 | $550 | $1,080 | $530 |
| Fort Gaines, GA | $53,300 | $427 | $310 | $590 | $280 |