Cumming Insurance Rates:

Cumming, GA home insurance is nearly $801 to $1,090, about $66-$90/month. Our detailed research shows customers can save upto $378 by getting multiple quotes

Compare Quotes from Top Providers and Save now!

Cumming, Georgia Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Cumming Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $100/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $375,000

4 Beds, 4 Bath 3320 sqft Rental Property Constructed In 1993 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $1620/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 2250 sqft Seasonal Residence Constructed In 2008 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $930/8 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $620,000

5 Beds, 5 Baths 4190 sqft Rental Property Constructed In 2014 with Carpet Flooring, Metal Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Bath 2280 sqft Rental Property Constructed In 1995 with Wood Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $110/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $450,000

4 Beds, 4 Baths 3000 sqft Primary Residence Constructed In 2011 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $670/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

3 Beds, 3 Bath 2390 sqft Primary Residence Constructed In 1992 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $280/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 1580 sqft Rental Property Constructed In 1992 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $760/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 2120 sqft Primary Residence Constructed In 2014 with Linoleum, Membrane Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $820/9 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Baths 2502 sqft Primary Residence Constructed In 1982 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Cumming, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
30041 $288,600 $980
30040 $246,000 $950

Cumming Rates & Quotes Analysis:

Cumming Area Estimated House Insurance
Hickory Oak Hollow, Kinnity Ct, Forestow Way, Capri Dr, Santa Fe Trl, High Gables, Ragan Ct, Long Park Rd, Indigo Bunting Ct, Southshore Cir$967
Tanglewood Dr, Delmonte Dr, Silver Lake Dr, N River Dr, Carriage Dr, Summit Pl, Ineal Dr, Colfax Ave, Jonathans Way, New Rutgers Walk$942
Chrysler Dr, Hickory Knoll, Huntington Crest Ln, Gecko Ct, Social Cir, Hartwick Ct, Shady Cove Rd, Hughes Dr, Goldmine Rd, Bryant Ct$952
Park St, Bettis Rd, Feast Ct, Carbonne Ct, Cantel Ct, Kings Common Way, Dyer Dr, Barrett Dr, Fairway Dr, Olde Harvard Lndg$902
Timber Lake Dr, Madison Hollow Ln, Saddlebridge Ct, Grove Park Ln, Imperial Ct, Willow Hill Ct, 13th St, Echols Trl, Golden Isle Cv, Morgans Pass$996
Birch Hollow Ct, Graystone Preserve Pl, Mason St, 13th St, Sugar Creek Ln, Talmon Ct, School St, Gatewood Ln, Golden Ridge Cir, Fairview Ct$907
Lakeside Cir, Wanda Woods Rd, Ingram Ave, Ryans Bluff Dr, Dunn Rd, Hearthstone Dr, Mangum Dr, Heardsville Cir, Golden Sands Dr, Fairway Dr$954
Widgeon Way, New Chancellor Way, Clayburn Dr, Heritage Manor Dr, Winchester Dr, New Rutgers Walk, Ashbrooke Ct, Hurt Bridge Rd, Mountain Valley Cir, Lexington Ln$990
Rhonda Ln, Moss Creek Dr, Country Pl, Lenbrook Ct, Ivey Glen Way, Mulberry Dr, Sweet Birch Way, Tolbert St, Valient Dr, Duckett St$910
Rosewood Ln, Bennett Dr, Habersham Trce, Hickory Trl, Benton Pl, Oakrun Cir, Northfield Ln, Sewell Rd, Hurakan Creek Xing, Heatherwyn Way$982

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,667 Homes (14% of total) built between 1980 to 1989 in Cumming are paying home insurance between $1,410-$1,424 compared to Forsyth County (+$16), Big Creek (+$60), Milton (+$176), Silver City (-$17) and Chestatee (-$35).
  • Bedrooms: 9,443 4 bedrooms homes (29% of total homes ) in Cumming are paying about $1,237 and differs from Forsyth County (+$15), Big Creek (+$53), Milton (+$155), Silver City (-$14) and Chestatee (-$31).
  • Auto Insurance Bundling: 5,925 Households (24% of all households) in Cumming have 3 or more vehicles available and when it is bundled with home insurance you can save $236. Discounts for similar bundling in close by locations such as Forsyth County, Silver City, Big Creek come to $239, $233, $246 respectively.
  • Senior Discounts: 7,855 seniors (more than 55 years) occupied housing units (32% of total) in Cumming get discounts between $141 to $144 in contrast with Forsyth County ($143), Silver City ($140), Big Creek ($147).
  • New Homes discounts: New homes such as the 24,479 homes built between 2000 to 2009 in Cumming can save $189 and similar new home insurance discounts in nearby towns and cities like Forsyth County, Silver City and Big Creek are $191, $186 and $197 respectively.

Cumming Homeowners insurance Facts

  • Cumming, GA has 23,809 owner occupied houses which is 83.1% of all units whereas Forsyth County, Silver City and Big Creek have 86.16%, 91.2% and 91.07% respectively.
  • Cumming, GA homeowners yearly insurance price at $945 is 0.38% of the typical house value of $247,500 which is in contrast with 0.36% in Forsyth County, 0.41% at Silver City & 0.31% in Big Creek.
  • Homeowners in Cumming, GA pay 1.26% of their income ($75,000 or more) in insurance whereas homeowners in Forsyth County, Silver City and Big Creek pay 1.27%, 1.25% and 1.31% respectively.
  • Cumming, GA’s insurance is 4.4% of monthly housing costs of $1,807/month, for owners with a mortgage compared to 4.16% in Forsyth County, 4.58% at Silver City & 3.73% in Big Creek. But, for households without a mortgage, insurance is 17.9% of costs ($441 in Cumming, GA) in contrast with 18.27% in Forsyth County, 20.16% at Silver City & 17.84% in Big Creek.

Cumming, GA Home Values & Insurance rates

For example, insurance for 1,708 Homes (9.0% of total homes ) valued between $175,000 to $199,999 in Cumming, GA is about $708. Rates in nearby areas in such as Forsyth County, Big Creek, Milton are cheaper by $39, $137, $283 respectively while Silver City and Chestatee are costlier by $57 and $148 respectively for similar homes.

Cumming, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 748 3.0% $94
$70,000 to $79,999 366 1.0% $283
$100,000 to $124,999 1,154 6.0% $415
$125,000 to $149,999 1,189 6.0% $519
$150,000 to $174,999 2,348 12.0% $614
$175,000 to $199,999 1,708 9.0% $708
$200,000 to $249,999 4,001 21.0% $859
$250,000 to $299,999 3,072 16.0% $1048
$300,000 to $399,999 3,769 19.0% $1332

Renters Insurance in Cumming

  • Average Renters Insurance in Cumming :  $112($9/month)

  • Median Gross Rent in Cumming :  $1,029

  • Cumming Renters Insurance to Median Rent Ratio:  0.87%

  • Average household size of renter-occupied unit :  2.86

Cumming Renters Insurance as a Percentage of Rent

Cumming Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 180 4.0% $1228
$500 to $749 711 16.0% $1903
$750 to $999 1,088 25.0% $2653
$1,000 to $1,499 1,523 35.0% $3778
$1,500 or more 743 17.0% $5428

Rent Affordability in Cumming:

Approximately 55.0% (2,674) of households are spending more than 35% of their income on gross rent in Cumming

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 321 6.0%
15.0 to 19.9 percent 443 9.0%
20.0 to 24.9 percent 625 12.0%
25.0 to 29.9 percent 446 9.0%
30.0 to 34.9 percent 341 7.0%
35.0 percent or more 2,674 55.0%

Protective device discount in Cumming Up to :  $16

Claims-free discount in Cumming Up to :  $22