Orchard Hill Insurance Rates:

Orchard Hill, GA home insurance is approximately $739 to $1,008, about $61-$84/month. Our extensive guide indicates shoppers can save as much as $349 by getting different quotes

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Orchard Hill Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $430/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

4 Beds, 4 Baths 1900 sqft Vacation Property Constructed In 1980 with Carpet over wood flooring, Metal Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $440/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

5 Beds, 5 Baths 1540 sqft Vacation Property Constructed In 1986 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Single Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $300/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Baths 2980 sqft Vacation Property Constructed In 2005 with Wood Flooring, Membrane Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $120/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

5 Beds, 5 Baths 3710 sqft Primary Residence Constructed In 2011 with Linoleum, Metal Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Female who is Unemployed and has 2 Pets and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $160/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

5 Beds, 5 Baths 3250 sqft Rental Property Constructed In 1982 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Married Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $150/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1410 sqft Vacation Property Constructed In 2005 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $900/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Bath 3340 sqft Primary Residence Constructed In 2000 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $670/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2410 sqft Primary Residence Constructed In 1985 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $460/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 2310 sqft Primary Residence Constructed In 1996 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $850/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $355,000

5 Beds, 5 Bath 4190 sqft Primary Residence Constructed In 2007 with Carpet over wood flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $60/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1650 sqft Vacation Property Constructed In 1982 with Stone Flooring, Metal Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Orchard Hill Rates & Quotes Analysis:

Orchard Hill Area Estimated House Insurance
by Way Rd, Glenview Dr, by Pass Rd, Macon Rd, Buck Creek Cir, Bailey Jester Rd, Camp Rd, Musgrove Rd, Crest Rd, Brown Rd$874
Rehoboth Rd, Watts Cir, Partridge Path, Dunsindane Ln, Wild Plum Rd, Timber Ridge Dr, Walnut Grove Rd, Swint Rd, Paul Walker Dr, Cynthia Cir$877
High Falls Rd, Liberty Hill Rd, County Line Rd, Chehaw Rd, N McDonough Rd, Dickerson Rd, Springvalley Cir, S Stewart Ln, Chappell Mill Rd, N Stewart Ln$874
Boyds Crossing Rd, Green Valley Rd, Melissa Cir, Shady Hill Ln, Quail Hollow Rd, Roundlake Rd, Ferwood Rd, Lochwood Cir, Ellis Dairy Rd, Runaway Lake Dr$869
Lake Park South Dr, Habersham Cir, Lake Park Cir, Futral Rd, Arthur K Bolton Pkwy, Whatley Rd, Bob White Rd, Head Rd, Spring Valley Rd, Lakeview Cir$873

Insurance rates are influenced by a number of factors including:

  • Year Built: 425 Homes (18% of total homes ) built between 1980 to 1989 in Orchard Hill are paying home insurance between $1,302-$1,315. Places close to Orchard Hill, GA such as Milner, Towalaga, Southwest Butts are more expensive by $23, $32, $21 respectively while East Griffin and Experiment are cheaper by $30 and $16 respectively for similar homes.
  • Bedrooms: 1,597 3 bedrooms homes (72% of total homes ) in Orchard Hill are paying about $786. Areas near to Orchard Hill such as Milner, Towalaga, Southwest Butts are costlier by $14, $19, $4 respectively whereas East Griffin and Experiment are more economical by $9, $18 respectively for similar homes.
  • Auto Insurance Bundling: 744 Households (45% of all households) in Orchard Hill have 2 vehicles available and when it is bundled with home insurance you can save $174. Discounts for similar bundling in close by locations such as East Griffin, Milner, Towalaga come to $170, $177, $178 respectively.
  • Senior Discounts: 887 seniors (more than 55 years) occupied housing units (54% of total) in Orchard Hill get discounts between $130 to $133 and varies from East Griffin ($127), Milner ($133), Towalaga ($134).
  • New Homes discounts: New homes such as the 1,050 homes built between 2000 to 2009 in Orchard Hill can save $174 and varies from East Griffin ($170), Milner ($177), Towalaga ($178).

Orchard Hill Homeowners insurance Facts

  • Orchard Hill, GA has 1,627 owner occupied houses which is 83.4% of all units whereas East Griffin, Milner and Towalaga have 59.24%, 84.11% and 75.99% respectively.
  • Orchard Hill, GA homeowners yearly insurance price at $873 is 0.76% of the typical house value of $114,500 which is in contrast with 1.1% in East Griffin, 0.62% at Milner & 0.59% in Towalaga.
  • Homeowners in Orchard Hill, GA pay 3.88% of their income ($20,000 to $24,999) in insurance whereas homeowners in Milner, Towalaga and Griffin pay 3.95%, 3.97% and 3.87% respectively.
  • Orchard Hill, GA’s insurance is 6.0% of monthly housing costs of $1,204/month, for owners with a mortgage compared to 7.33% in East Griffin, 5.34% at Milner & 5.71% in Towalaga. But, for households without a mortgage, insurance is 20.3% of costs ($358 in Orchard Hill, GA) in contrast with 24.01% in East Griffin, 18.93% at Milner & 18.67% in Towalaga.

Orchard Hill, GA Home Values & Insurance rates

For example, insurance for 40 Homes (2.0% of total homes ) valued between $200,000 to $249,999 in Orchard Hill, GA is about $1,711. Rates in nearby areas in such as Milner, Towalaga, Southwest Butts are cheaper by $308, $388, $301 respectively while East Griffin and Griffin are costlier by $762 and $57 respectively for similar homes.

Orchard Hill, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 229 14.0% $183
$50,000 to $59,999 85 5.0% $392
$60,000 to $69,999 55 3.0% $488
$70,000 to $79,999 111 6.0% $567
$80,000 to $89,999 18 1.0% $646
$90,000 to $99,999 123 7.0% $715
$100,000 to $124,999 332 20.0% $838
$125,000 to $149,999 265 16.0% $1047
$150,000 to $174,999 191 11.0% $1230
$175,000 to $199,999 70 4.0% $1422
$200,000 to $249,999 40 2.0% $1711
$300,000 to $399,999 78 4.0% $2662

Renters Insurance in Orchard Hill

  • Average Renters Insurance in Orchard Hill :  $293($24/month)

  • Median Gross Rent in Orchard Hill :  $796

  • Orchard Hill Renters Insurance to Median Rent Ratio:  3.02%

  • Renter occupied housing units in Orchard Hill :  325

Orchard Hill Renters Insurance as a Percentage of Rent

Orchard Hill Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 54 28.0% $1948
$750 to $999 96 50.0% $2698
$1,000 to $1,499 42 21.0% $3823

Rent Affordability in Orchard Hill:

Approximately 67.0% (219) of households are spending more than 35% of their income on gross rent in Orchard Hill

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 65 20.0%
15.0 to 19.9 percent 13 4.0%
20.0 to 24.9 percent 23 7.0%
25.0 to 29.9 percent 5 1.0%
35.0 percent or more 219 67.0%

Orchard Hill Renters Insurance Discounts:

Orchard Hill Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Orchard Hill, GA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 104 32.0% $29.3
2 vehicles available 182 56.0% $43.95
3 or more vehicles available 24 7.0% $58.6

Orchard Hill Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 12 3.0% $79
60 to 64 years 30 9.0% $63
65 to 74 years 66 20.0% $51
75 years and over 45 13.0% $39

Protective device discount in Orchard Hill Up to :  $43

Claims-free discount in Orchard Hill Up to :  $58