Gainesville Insurance Rates:

Gainesville, GA home insurance is about $758 to $1,029, about $63-$85/month. Our complete guide shows customers can save upto $357 by comparing different quotes

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Read Gainesville, Georgia Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Gainesville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $540/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $340,000

4 Beds, 4 Baths 3090 sqft Primary Residence Constructed In 1984 with Wood Flooring, Metal Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $250/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Baths 2000 sqft Vacation Property Constructed In 1981 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $670/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1250 sqft Rental Property Constructed In 1990 with Wood Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $260/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 1750 sqft Rental Property Constructed In 1977 with Stone Flooring, Metal Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $440/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $350,000

5 Beds, 5 Baths 4180 sqft Rental Property Constructed In 2011 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Swimming Pool, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Male 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

  • Guests at home

Home Insurance Rate of $1210/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 2840 sqft Vacation Property Constructed In 2010 with Stone Flooring, Membrane Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $460/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 1910 sqft Vacation Property Constructed In 1994 with Stone Flooring, Tile Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1080/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 2990 sqft Seasonal Residence Constructed In 1971 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $1480/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Bath 3070 sqft Seasonal Residence Constructed In 2001 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 2070 sqft Primary Residence Constructed In 2006 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single 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 :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $810/9 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 2037 sqft Rental Property Constructed In 1966 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Gainesville, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
30506 $214,900 $950
30501 $157,600 $900
30504 $147,900 $900
30507 $139,400 $900

Gainesville Rates & Quotes Analysis:

Gainesville Area Estimated House Insurance
Lake End, Andrew St, Retreat Dr, Pennington Trl, Bolman Rd, Elatchee Dr, Heritage Glen Dr, Paul Dr, Mango Ct, Renee Cir$888
Antioch Rd, Travis Dr, Springview Dr, Calvary Church Rd, Ridgewood Ter, Tumblewood Trl, E Main St, Skyview Ter, Myrtle St SW, Lakeview Ln$912
Palmetto Dune Dr, Long Oak Dr, Old Oakwood Rd, Elm Ridge Ct, Smith Rd, Wayside Dr, Sugar Hill Way, Woodland Cir, Tall Oaks Dr, Baker Rd$886
Hollywood Ave, Edgewater Ter, W Dennis Dr, Beach Haven Dr, Campground Dr, Brands Ct, Woodstream Ct, Sawyer Mill Dr, Cato Rd, Sagebrook Ct$874
Partridge Ln, Saint Charles Ave, W Academy St, Brookton Ln, Pendley Dr, Poplar Springs Frk, Bliss Dr, Farmhouse Rd, Mountcrest Pl, Gilleland Cir$905
Longstreet Way, Village Preserve Way, Broome Rd, 5th St, Lake Dr, Barn St, Piedmont Way, Mike Dr, Mimosa St, Garden Dr$955
Amber Dawn Way, Hobbs Aly, Dorsey Peek Rd, Belmont Hwy, Pearce Cir, Gay Ln, Lamp Post Ln, Dorsey Cir, Summit St SE, Green Street Cir$874
J Ave, Ashford Ct, Westgate Pl, Wisteria Dr, Park St, Vinings Walk, Sherwood Rd, Dorothy Dr, Cooley Dr, Silver Wood Walk$873
Cloverdale St SE, Noble Ct, Reed Farm Rd, Collins Dr, J J Lott Rd, Medical Park Ln, Crescent Cir, Melinda Ln, Tommy Aaron Dr, Crystal Dr$904
Pierce Dr, Ruth Ct, West Dr, Memorial Dr, New Bridge Church Rd, Glen Rdg, Tower St Exd, Summerset Dr, Timber Ridge Cir, Mountain Crest Pl$888

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,662 Homes (21% of total) built between 1990 to 1999 in Gainesville are paying home insurance between $1,290-$1,303 and varies from Hall County (+$13), Talmo (+$39), Flowery Branch (+$37), Lula (-$15) and Gillsville (-$44).
  • Bedrooms: 13,706 3 bedrooms homes (44% of total homes ) in Gainesville are paying about $796. Areas near to Gainesville such as Hall County, Talmo, Flowery Branch are costlier by $8, $24, $23 respectively whereas Gillsville and Maysville are more economical by $18, $14 respectively for similar homes.
  • Auto Insurance Bundling: 4,814 Households (30% of all households) in Gainesville have 3 or more vehicles available and when it is bundled with home insurance you can save $223. Discounts for similar bundling in close by locations such as Hall County, Oakwood, Talmo come to $225, $224, $230 respectively.
  • Senior Discounts: 7,767 seniors (more than 55 years) occupied housing units (48% of total) in Gainesville get discounts between $133 to $136 in contrast with Hall County ($135), Oakwood ($134), Talmo ($138).
  • New Homes discounts: New homes such as the 16,242 homes built between 2000 to 2009 in Gainesville can save $178 in contrast with Hall County ($180), Oakwood ($179), Talmo ($184).

Gainesville Homeowners insurance Facts

  • Gainesville, GA has 15,998 owner occupied houses which is 57.2% of all units whereas Hall County, Oakwood and Talmo have 68.61%, 66.31% and 75.31% respectively.
  • Gainesville, GA homeowners yearly insurance price at $894 is 0.59% of the typical house value of $152,500 which is in contrast with 0.53% in Hall County, 0.57% at Oakwood & 0.46% in Talmo.
  • Homeowners in Gainesville, GA pay 3.97% of their income ($20,000 to $24,999) in insurance whereas homeowners in Hall County, Oakwood and Talmo pay 4.01%, 3.98% and 4.09% respectively.
  • Gainesville, GA’s insurance is 5.8% of monthly housing costs of $1,280/month, for owners with a mortgage compared to 5.35% in Hall County, 5.72% at Oakwood & 2.56% in Talmo. But, for households without a mortgage, insurance is 20.0% of costs ($373 in Gainesville, GA) in contrast with 19.85% in Hall County, 21.03% at Oakwood & 19.73% in Talmo.

Gainesville, GA Home Values & Insurance rates

For example, insurance for 724 Homes (5.0% of total homes ) valued between $300,000 to $399,999 in Gainesville, GA is about $2,047. Rates in nearby areas in such as Hall County, Oakwood, Talmo are cheaper by $187, $49, $454 respectively while Lula and Gillsville are costlier by $260 and $1,046 respectively for similar homes.

Gainesville, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,114 7.0% $143
$50,000 to $59,999 300 2.0% $303
$60,000 to $69,999 285 1.0% $375
$70,000 to $79,999 433 2.0% $438
$80,000 to $89,999 547 3.0% $491
$90,000 to $99,999 665 4.0% $554
$100,000 to $124,999 2,199 15.0% $643
$125,000 to $149,999 2,226 15.0% $804
$150,000 to $174,999 2,291 15.0% $947
$175,000 to $199,999 1,020 7.0% $1090
$200,000 to $249,999 1,671 11.0% $1314
$250,000 to $299,999 968 6.0% $1609
$300,000 to $399,999 724 5.0% $2047

Renters Insurance in Gainesville

  • Average Renters Insurance in Gainesville :  $241($20/month)

  • Median Gross Rent in Gainesville :  $818

  • Gainesville Renters Insurance to Median Rent Ratio:  2.44%

  • Average household size of renter-occupied unit :  3.09

Gainesville Renters Insurance as a Percentage of Rent

Gainesville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 163 1.0% $360
$200 to $299 343 3.0% $810
$300 to $499 622 5.0% $1260
$500 to $749 3,041 26.0% $1935
$750 to $999 4,591 40.0% $2685
$1,000 to $1,499 2,375 20.0% $3810
$1,500 or more 234 2.0% $5460

Rent Affordability in Gainesville:

Approximately 45.0% (5,473) of households are spending more than 35% of their income on gross rent in Gainesville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,268 10.0%
15.0 to 19.9 percent 1,479 12.0%
20.0 to 24.9 percent 1,395 11.0%
25.0 to 29.9 percent 1,341 11.0%
30.0 to 34.9 percent 1,007 8.0%
35.0 percent or more 5,473 45.0%

Protective device discount in Gainesville Up to :  $36

Claims-free discount in Gainesville Up to :  $48