Gavop's guide to buying homeowners insurance in Clarkesville, 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.
| Clarkesville, GA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Memorial Dr, Sherman Dixon Rd, New Liberty Cown, Goldmine Xing, Triple J Rd, Topaz Trl, E Green St, Oakey Mountain Rd, Cumberland Dr, Frank Lovell Rd | $179,000 | $160,000 | $200,000-$250,000 | $120,000 | $100,000 | $125,000-$150,000 |
| Emily Dr, N Woods Dr, Edelweiss Dr, Lovelace Rd, Jefferson St, E Wayne St, Amilee Graves Cir, Zeb Bryson Rd, Washington St, Rogers Creek Rd NW | $138,000 | $120,000 | $100,000-$125,000 | $122,500 | $110,000 | $75,000-$100,000 |
| Church Dr, Creaky Pine Ridge, Dove Ln, Waters Way Trl, Habersham Ave, Parkplace Dr, Serenity Lake Ln, Marquerite Ln, Mini Ranch Rd, Mar Mac Farm Rd | $217,000 | $190,000 | $200,000-$250,000 | $163,000 | $140,000 | $175,000-$200,000 |
| Blockstock Angus Farm Dr, Forest Trl, Foggy Creek Ln, Cripple Creek Trl, Robertson Loop Rd, Hershels Way, Annie Ruby Dr, Richland Ter, Hardman Rd, Alleys Chapel Rd | $178,000 | $160,000 | $200,000-$250,000 | $169,500 | $160,000 | $125,000-$150,000 |
| Soque Falls Dr, Liberty Creek Dr, Traves Cove, Beaver Dam Rd, Amys Creek Rd, Yeoman Lake Rd, Landers St, Stonepile Rd, Angel Dr, Co Rd 105 | $164,500 | $150,000 | $150,000-$175,000 | $135,500 | $120,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $709 |
| Superior Protection Discount | -$85 | $769 |
| Fire & Security Discount | -$77 | $777 |
| Hail Resistant Roof Discount | -$26 | $829 |
| Newly Constructed Home Discount | -$188 | $666 |
| 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 |
| Habersham County | $700 | $881 | $1,581 | $640 | $1,340 | $241 |
| Clarkesville, GA | $2,500 | $844 | $3,344 | $613 | $3,113 | $231 |
| Helen, GA | $300 | $1,160 | $1,460 | $843 | $1,143 | $317 |
| Martin-Avalon, GA | $2,000 | $778 | $2,778 | $565 | $2,565 | $212 |
| Homer, GA | $500 | $707 | $1,207 | $514 | $1,014 | $193 |
| Sky Valley, GA | $1,500 | $1,240 | $2,740 | $901 | $2,401 | $339 |
| Brasstown, NC | $200 | $766 | $966 | $556 | $756 | $209 |
| Maysville, GA | $700 | $798 | $1,498 | $580 | $1,280 | $218 |
| Commerce, GA | $200 | $703 | $903 | $511 | $711 | $192 |
| Franklin Springs, GA | $700 | $899 | $1,599 | $653 | $1,353 | $246 |
| Ellijay, NC | $200 | $725 | $925 | $527 | $727 | $198 |
| Hartwell, GA | $2,500 | $708 | $3,208 | $514 | $3,014 | $193 |
| Home Insurance Company Clarkesville, GA | Homeowners Insurance Agency Clarkesville, GA | Address | Popularity Score | Distance from Clarkesville (miles) |
|---|---|---|---|---|
| State Farm | Duane Hartness | 1094 Historic 441 Hwy, Demorest, GA, 30535-5249 | 8.8 | |
| Liberty Mutual Independent | Jack Bradley Agency | 138 Market Corners Dr, Cornelia, GA, 30531 | 10.0 | |
| State Farm | Jason Riner | 321 N Broad St Ste A, Winder, GA, 30680-2156 | 46.9 | |
| State Farm | Dave Harden | 5950 Bethelview Rd Ste 100, Cumming, GA, 30040-6385 | 49.7 | |
| State Farm | David Horne | 492 Riverside Rd, Sugar Hill, GA, 30518-5636 | 48.2 | |
| State Farm | Charlie Edmondson | 3354 E First St, Blue Ridge, GA, 30513-8522 | 44.9 | |
| Farmers | Nicholas Greene | 5192 Nelson Brogdon Blvd # 400, Sugar Hill, GA, 30518 | 47.6 | |
| Allstate | Monica Riden | 5625 Mcever Rd, Oakwood, GA, 30566 | 37.6 | |
| Travelers | Richardson Insurance Llc | 30 Chechero St Ste 2, Clayton, GA, 30525 | 16.6 | |
| Allstate | Planet Insurance | 1328 Hwy , Buford, GA, 30518 | 48.1 |
| 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 |
| Habersham County, GA | $137,200 | $892 | $630 | $1,260 | $630 |
| Clarkesville, GA | $159,800 | $854 | $620 | $1,170 | $550 |
| Helen, GA | $214,100 | $1,174 | $860 | $1,610 | $750 |
| Martin-Avalon, GA | $107,400 | $787 | $540 | $1,110 | $570 |
| Homer, GA | $120,200 | $716 | $490 | $990 | $500 |
| Sky Valley, GA | $250,000 | $1,255 | $850 | $1,730 | $880 |
| Brasstown, NC | $131,600 | $775 | $530 | $1,080 | $550 |
| Maysville, GA | $144,800 | $807 | $550 | $1,110 | $560 |
| Commerce, GA | $119,000 | $711 | $510 | $990 | $480 |
| Franklin Springs, GA | $132,800 | $910 | $650 | $1,280 | $630 |
| Ellijay, NC | $122,500 | $734 | $510 | $1,020 | $510 |
| Hartwell, GA | $120,300 | $717 | $520 | $1,020 | $500 |