How Can I Make My Lithonia, GA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Lithonia, GA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Lithonia, GA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $124,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $148,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $183,500 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $420,500 | $360,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Lithonia, GA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $696 |
| Superior Protection Discount | -$73 | $736 |
| Fire & Security Discount | -$57 | $752 |
| Hail Resistant Roof Discount | -$24 | $785 |
| Newly Constructed Home Discount | -$227 | $582 |
Choose the Right Deductible for your Lithonia, GA Home | Back to Top
| 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 |
| DeKalb County | $1,500 | $983 | $2,483 | $714 | $2,214 | $269 |
| Lithonia, GA | $2,500 | $799 | $3,299 | $581 | $3,081 | $218 |
| Mountain Park, GA | $100 | $870 | $970 | $632 | $732 | $238 |
| Clarkston, GA | $700 | $666 | $1,366 | $484 | $1,184 | $182 |
| Between, GA | $200 | $1,065 | $1,265 | $774 | $974 | $291 |
| Duluth, GA | $2,000 | $799 | $2,799 | $580 | $2,580 | $218 |
| South Newton, GA | $100 | $839 | $939 | $610 | $710 | $229 |
| Auburn, GA | $2,500 | $770 | $3,270 | $560 | $3,060 | $210 |
| Powder Springs, GA | $500 | $927 | $1,427 | $673 | $1,173 | $253 |
| Digbey, GA | $700 | $941 | $1,641 | $684 | $1,384 | $257 |
| Pendergrass, GA | $200 | $1,054 | $1,254 | $766 | $966 | $288 |
Identify Top Home Insurance Agents near Lithonia, GA | Back to Top
| Home Insurance Company Lithonia, GA | Homeowners Insurance Agency Lithonia, GA | Address | Popularity Score | Distance from Lithonia (miles) |
|---|---|---|---|---|
| State Farm | Ryan Young | 3903 Jiles Rd Nw Ste 202, Kennesaw, GA, 30144-4613 | 37.1 | |
| Allstate | Tamara Gatson | 1955 Sigman Rd Nw Ste 104c, Conyers, GA, 30012 | 4.4 | |
| State Farm | Chris Gallman | 4495 Atlanta Highway Building 500 A, Loganville, GA, 30052-0760 | 15.1 | |
| Allstate | Rob Enfinger | 1400 Scott Blvd, Decatur, GA, 30030 | 11.5 | |
| State Farm | Charisse Hunter | 4196 Annistown Rd Ste C, Snellville, GA, 30039-6929 | 7.2 | |
| Nationwide | Plw & Associates | 976 E Freeway Dr Ste B, Conyers, GA, 30094 | 7.3 | |
| Liberty Mutual Independent | Hardegree Insurance Agency | 750 Hammond Dr Bdg 19 Ste 200, Sandy Springs, GA, 30328 | 20.0 | |
| Liberty Mutual Independent | The Tabb Insurance Agency | 2435 Wall St Se 2435 Wall St Se , Conyers, GA, 30013 | 9.8 | |
| State Farm | Rich Ziegler | 11705 Jones Bridge Rd Ste B106, Johns Creek, GA, 30005-5080 | 24.8 | |
| State Farm | Craig Ritchie | 35b S Peachtree St, Norcross, GA, 30071-2503 | 16.6 |
Compare Rates for Lithonia, GA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $730 | $1,390 | $660 |
| DeKalb County, GA | $176,000 | $995 | $720 | $1,410 | $690 |
| Lithonia, GA | $116,500 | $809 | $540 | $1,120 | $580 |
| Mountain Park, GA | $169,100 | $880 | $590 | $1,240 | $650 |
| Clarkston, GA | $110,200 | $674 | $480 | $960 | $480 |
| Between, GA | $178,600 | $1,078 | $790 | $1,530 | $740 |
| Duluth, GA | $199,300 | $808 | $560 | $1,120 | $560 |
| South Newton, GA | $119,600 | $849 | $600 | $1,210 | $610 |
| Auburn, GA | $136,900 | $780 | $520 | $1,080 | $560 |
| Powder Springs, GA | $148,900 | $938 | $670 | $1,290 | $620 |
| Digbey, GA | $142,600 | $952 | $690 | $1,320 | $630 |
| Pendergrass, GA | $175,000 | $1,067 | $740 | $1,530 | $790 |
Research Home Insurance Companies Reviews in Lithonia, GA Before Buying | Back to Top
Share a review on your home insurance company
Grange Insurance Home Insurance Reviews
Date: February 24, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
The deductible is reasonable compared to the value of the home. It is lower than a car deductible comparing percentage and value.
Date: October 05, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
The customer service at Grange is next to none. They are quick to complete claims and they are always willing to go the extra mile to answer any questions that I might have.
Date: August 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
The interaction/communication with Grange is also up to par. They are very good about letting their customers know what's going on with the company and/or their current policy. I have no complaints with them on communication.
Date: August 13, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
I have pretty much everything covered under my home policy offerings. I have dwelling and many other items covered. I even have a personal item policy on my home insurance policy that covers my wife's wedding ring.
Date: May 10, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Premium
My premium is around $600 per year which I think is a good premium for what I'm covered for. I was previously with State Farm and my premium was much higher for the same exact coverage. I am very satisfied with my current premium.
Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
I really like the Grange website and app. The website is very user friendly. It's very convenient for me to pull up electronic versions of my insurance cards. I also pay my bill online and this makes it very simple to do.
Travelers Home Insurance Reviews
Date: October 03, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I like the ease of use of the website. I like that it integrates with an android app. I can pay bills online, review my policy, print documents and easily understand my coverage.
Date: August 16, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
I shopped around my coverage based on price. of the 4 companies that I shopped my policy to, my current company had the best overall rate (cheapest).
Date: July 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Communication
All communication that I received from my home insurance company has been clear and concise. I don't receive spam or advertisements for products that I don't want. Good overall interactions with them.
Date: May 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have never had to use my home insurance customer service for any reason. I cannot say if I like or dislike the company's customer service.
Date: December 01, 2017 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I am insured against certain damages to my home as well as medical coverage of those that experience loss or injury while on my property. I have a deductible.
Allstate Home Insurance Reviews
Date: July 10, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
My home insurance, Allstate, has policy offerings that fit my needs. They are better than other insurance providers.
Date: March 28, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
My customer service experience with my home insurance company has always been great. They are always there. They listen and always help me with issues or concerns that I may have.
Liberty Mutual Home Insurance Reviews
Date: October 29, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
The agent was extremely helpful in helping us to lower our payment. I think that we were on the phone for about 45 minutes to figure out all of my options. It was very helpful and far exceeded my expectations.
GEICO Home Insurance Reviews
Date: September 11, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I will again rate my company a 3 because they were pretty commensurate with their competitors. I don't feel like I'm paying too much for the package I have but I would always like to pay less.
State Farm Home Insurance Reviews
Date: March 01, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
My experience with this company has been overall really great. I have had no issues as of yet and I really enjoy my experience with them so far. Check them out and give them a chance if you are looking for a new company! They are great.
Farmer's Insurance Home Insurance Reviews
Date: November 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I thought sales would be a good thing to get into but it was a lot harder then I thought. The industry is very competitive and is hard to start just getting out of college.