Gavop's guide to buying homeowners insurance in Terrell 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 | $34,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $74,500 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $120,500 | $110,000 | $100,000-$125,000 |
| 4 Bedroom | $121,000 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $194,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$88 | $542 |
| Superior Protection Discount | -$57 | $574 |
| Fire & Security Discount | -$44 | $586 |
| Hail Resistant Roof Discount | -$19 | $612 |
| Newly Constructed Home Discount | -$151 | $479 |
| 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 |
| Terrell County | $700 | $623 | $1,323 | $453 | $1,153 | $170 |
| Terrell County, GA | $2,500 | $623 | $3,123 | $453 | $2,953 | $170 |
| Smithville, GA | $400 | $637 | $1,037 | $463 | $863 | $174 |
| Webster County, GA | $1,500 | $825 | $2,325 | $599 | $2,099 | $225 |
| Cuthbert, GA | $500 | $810 | $1,310 | $589 | $1,089 | $221 |
| Damascus, GA | $2,000 | $634 | $2,634 | $461 | $2,461 | $173 |
| Oglethorpe, GA | $200 | $537 | $737 | $390 | $590 | $147 |
| Early County, GA | $2,500 | $589 | $3,089 | $428 | $2,928 | $161 |
| North Marion, GA | $100 | $706 | $806 | $513 | $613 | $193 |
| Ashburn, GA | $2,000 | $575 | $2,575 | $418 | $2,418 | $157 |
| Ideal, GA | $400 | $406 | $806 | $295 | $695 | $111 |
| Pinehurst, GA | $1,500 | $569 | $2,069 | $414 | $1,914 | $156 |
| Home Insurance Company Terrell County, GA | Homeowners Insurance Agency Terrell County, GA | Address | Popularity Score | Distance from Terrell County (miles) |
|---|---|---|---|---|
| State Farm | Bobby Underwood | 307 Grand Island Dr Ste 1, Albany, GA, 31707-1298 | 17.4 | |
| Liberty Mutual Independent | Fleming & Riles Insurance | 1115 W. Third Avenue, Albany, GA, 31707 | 20.1 | |
| State Farm | Steve Perrine | 537 N. Westover Blvd., Albany, GA, 31707 | 17.3 | |
| State Farm | Tim Thomas | 1800 North Slappey Boulevard, Albany, GA, 31701-1436 | 19.7 | |
| State Farm | Carl Plowden | 1549 Us Highway 19 S, Leesburg, GA, 31763-4966 | 18.4 | |
| Travelers | Copelan Insurance Agency Inc | 2401 N Slappey Blvd, Albany, GA, 31701 | 19.4 | |
| Allstate | Reid Mathis | 1111 Whispering Pines Rd, Albany, GA, 31707 | 19.5 | |
| State Farm | William Bailey | 138 S Lee St Ste B, Americus, GA, 31709-3697 | 23.6 | |
| Travelers | Brown Detherage Insurors | 1607 B Highway 19 South, Leesburg, GA, 31763 | 18.6 | |
| Allstate | Southern Harvest | 101 N Broad St, Buena Vista, GA, 31803 | 37.6 |
| 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 | $1,410 | $670 |
| Terrell County, GA | $88,600 | $631 | $420 | $870 | $450 |
| Terrell County, GA | $88,600 | $631 | $450 | $870 | $420 |
| Smithville, GA | $83,300 | $645 | $440 | $920 | $480 |
| Webster County, GA | $57,200 | $835 | $590 | $1,190 | $600 |
| Cuthbert, GA | $59,100 | $820 | $560 | $1,160 | $600 |
| Damascus, GA | $82,900 | $642 | $460 | $890 | $430 |
| Oglethorpe, GA | $46,200 | $543 | $370 | $780 | $410 |
| Early County, GA | $82,700 | $596 | $400 | $820 | $420 |
| North Marion, GA | $94,600 | $715 | $480 | $980 | $500 |
| Ashburn, GA | $73,900 | $582 | $410 | $800 | $390 |
| Ideal, GA | $51,300 | $411 | $300 | $580 | $280 |
| Pinehurst, GA | $73,100 | $576 | $420 | $800 | $380 |