Gavop's guide to buying homeowners insurance in Lincoln 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 | $31,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $65,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $105,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $143,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $257,000 | $210,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$56 | $641 |
| Home and Two Car | -$119 | $579 |
| Home and Three Car | -$160 | $537 |
| 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 |
| Lincoln County | $1,000 | $689 | $1,689 | $501 | $1,501 | $188 |
| Lincoln County, GA | $700 | $689 | $1,389 | $501 | $1,201 | $188 |
| Appling, GA | $400 | $877 | $1,277 | $637 | $1,037 | $240 |
| Wilkes County, GA | $1,500 | $593 | $2,093 | $431 | $1,931 | $162 |
| Lowndesville, SC | $400 | $558 | $958 | $406 | $806 | $153 |
| Belvedere, SC | $1,500 | $806 | $2,306 | $586 | $2,086 | $220 |
| Iva, SC | $200 | $799 | $999 | $581 | $781 | $218 |
| Avera, GA | $2,500 | $469 | $2,969 | $341 | $2,841 | $128 |
| Donalds, SC | $300 | $554 | $854 | $403 | $703 | $151 |
| Greensboro, GA | $2,500 | $942 | $3,442 | $685 | $3,185 | $258 |
| Chappells, SC | $200 | $896 | $1,096 | $651 | $851 | $245 |
| Home Insurance Company Lincoln County, GA | Homeowners Insurance Agency Lincoln County, GA | Address | Popularity Score | Distance from Lincoln County (miles) |
|---|---|---|---|---|
| State Farm | B.J. Jordan | 5159 Columbia Rd Ste 103, Grovetown, GA, 30813-5895 | 24.2 | |
| Allstate | Abu Khan | 3661 Peach Orchard Rd, Augusta, GA, 30906 | 37.7 | |
| State Farm | Holly Thomason | 369 W Howell St, Hartwell, GA, 30643-1197 | 48.2 | |
| Allstate | Griggs Ficklen Ins | 110 E Robert Toombs Ave, Washington, GA, 30673 | 17.1 | |
| State Farm | Jimmy Boyett | 6378 Highway 72 W, Colbert, GA, 30628-2400 | 48.0 | |
| State Farm | Hoke Brantley | 2501 Wrightsboro Rd, Augusta, GA, 30904-7810 | 32.9 | |
| State Farm | Doug Newman | 228 N Peachtree St, Lincolnton, GA, 30817-5873 | 1.7 | |
| Nationwide | Whit Blanchard Inc. | 3128 Deans Bridge Rd Ste D, Augusta, GA, 30906 | 34.0 | |
| State Farm | Ron Carter | 3961 Columbia Rd, Martinez, GA, 30907-2219 | 27.9 | |
| State Farm | Skip Smith | 2429 Peach Orchrd Rd, Augusta, GA, 30906-2387 | 35.3 |
| 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 | $1,430 | $690 |
| Lincoln County, GA | $115,600 | $697 | $470 | $1,000 | $530 |
| Lincoln County, GA | $115,600 | $697 | $500 | $970 | $470 |
| Appling, GA | $171,700 | $888 | $630 | $1,270 | $640 |
| Wilkes County, GA | $83,400 | $600 | $430 | $820 | $390 |
| Lowndesville, SC | $82,500 | $565 | $380 | $800 | $420 |
| Belvedere, SC | $83,900 | $816 | $600 | $1,120 | $520 |
| Iva, SC | $75,400 | $809 | $590 | $1,120 | $530 |
| Avera, GA | $59,300 | $475 | $340 | $660 | $320 |
| Donalds, SC | $82,000 | $561 | $380 | $770 | $390 |
| Greensboro, GA | $410,400 | $954 | $640 | $1,340 | $700 |
| Chappells, SC | $134,000 | $907 | $630 | $1,250 | $620 |