Stone Mountain Insurance Rates:

Stone Mountain, GA home insurance is nearly $754 to $1,026, about $62-$85/month. Our in depth research reveals consumers can save as much as $355 by getting multiple quotes

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Stone Mountain Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $80/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Bath 3230 sqft Rental Property Constructed In 1973 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Bath 2270 sqft Rental Property Constructed In 1979 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Male who is Unemployed and has 3 Pets and is a Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $260/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2760 sqft Vacation Property Constructed In 1970 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Bath 2160 sqft Vacation Property Constructed In 1988 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets 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 $670/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2510 sqft Rental Property Constructed In 1997 with Hardwood Flooring, Metal Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Married Male 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

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $60/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 2390 sqft Primary Residence Constructed In 1975 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $530/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 2050 sqft Vacation Property Constructed In 1996 with Hardwood Flooring, Metal Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $620/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Baths 2850 sqft Seasonal Residence Constructed In 1980 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female 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 :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/4 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1020 sqft Primary Residence Constructed In 2011 with Stone Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox 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 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Baths 4160 sqft Rental Property Constructed In 1984 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Stone Mountain, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
30087 $171,600 $910
30083 $123,400 $890
30088 $119,400 $880

Stone Mountain Rates & Quotes Analysis:

Stone Mountain Area Estimated House Insurance
Stonewood Dr, Spring Dr, Beresford Cir, Renota Ct, Fellswood Ct, Ridgemere Ct, Deer Ridge Dr, Garden Walk Dr, Savannah Ter, Devon Trce$869
Pepperwood Dr, Stone Run, S Malton Ct, Baltic Ct, Mariners Dr, Silver Hill Rd, Lakeview Dr, Old Rockbridge Rd, Arbour Ct, Goldsmith Rd$900
Registry Bluff, Cedar Keys Ln, Olive Rd, Orchards Walk, Fellswood Dr, Andiron Ct, Wynmeadow Dr, Meadow Rock Dr, Redwood Ct, N Deshong Rd$900
2nd St, Trace Ter, Englewood Dr, Randalwood Ct, Minute Ct, Wynpine Pt, Millstone Ln, Monteagle Trce, Oakridge Dr, Registry Chase$900
San Miguel Dr, Eagle Springs Way, Stonehaven Way, Briers Way, Woodland Forest Ln, W Clubhouse Cir, Tracy Ct, Old Highgate Entry, Kenilworth Dr, Old Countryside Cir W$875

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,901 Homes (10% of total) built between 1960 to 1969 in Stone Mountain are paying home insurance between $1,556-$1,570 in contrast with Pine Lake (+$15), Mountain Park (+$39), Lilburn (+$21), Clarkston (-$28) and Redan (-$26).
  • Bedrooms: 5,826 3 bedrooms homes (32% of total homes ) in Stone Mountain are paying about $792 and differs from Pine Lake (+$17), Mountain Park (+$19), Lilburn (+$9), Clarkston (-$6) and Redan (-$14).
  • Auto Insurance Bundling: 1,570 Households (19% of all households) in Stone Mountain have 3 or more vehicles available and when it is bundled with home insurance you can save $222. Discounts for similar bundling in close by locations such as Pine Lake, Mountain Park, Clarkston come to $224, $227, $218 respectively.
  • Senior Discounts: 3,306 seniors (more than 55 years) occupied housing units (41% of total) in Stone Mountain get discounts between $132 to $134. The comparative concessions in proximate regions such as Pine Lake, Mountain Park and Clarkston are $134, $136 and $130 respectively.
  • New Homes discounts: New homes such as the 4,078 homes built between 2000 to 2009 in Stone Mountain can save $177 and similar new home insurance discounts in nearby towns and cities like Pine Lake, Mountain Park and Clarkston are $179, $182 and $174 respectively.

Stone Mountain Homeowners insurance Facts

  • Stone Mountain, GA has 7,984 owner occupied houses which is 52.7% of all units whereas Pine Lake, Mountain Park and Clarkston have 69.79%, 83.79% and 26.69% respectively.
  • Stone Mountain, GA homeowners yearly insurance price at $889 is 0.61% of the typical house value of $145,200 which is in contrast with 0.56% in Pine Lake, 0.5% at Mountain Park & 0.77% in Clarkston.
  • Homeowners in Stone Mountain, GA pay 2.37% of their income ($35,000 to $39,999) in insurance whereas homeowners in Pine Lake, Mountain Park and Clarkston pay 2.39%, 2.43% and 2.33% respectively.
  • Stone Mountain, GA’s insurance is 5.1% of monthly housing costs of $1,454/month, for owners with a mortgage compared to 5.57% in Pine Lake, 4.96% at Mountain Park & 5.65% in Clarkston. But, for households without a mortgage, insurance is 15.7% of costs ($471 in Stone Mountain, GA) in contrast with 22.61% in Pine Lake, 17.78% at Mountain Park & 15.71% in Clarkston.

Stone Mountain, GA Home Values & Insurance rates

For example, insurance for 628 Homes (8.0% of total homes ) valued between $175,000 to $199,999 in Stone Mountain, GA is about $1,146. Rates in nearby areas in such as Pine Lake, Mountain Park, Lilburn are cheaper by $105, $226, $120 respectively while Clarkston and Redan are costlier by $285 and $252 respectively for similar homes.

Stone Mountain, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 438 5.0% $151
$50,000 to $59,999 174 2.0% $320
$60,000 to $69,999 259 3.0% $391
$70,000 to $79,999 333 4.0% $453
$80,000 to $89,999 519 6.0% $515
$90,000 to $99,999 352 4.0% $577
$100,000 to $124,999 1,116 15.0% $666
$125,000 to $149,999 989 13.0% $835
$150,000 to $174,999 1,030 13.0% $986
$175,000 to $199,999 628 8.0% $1146
$200,000 to $249,999 914 12.0% $1377
$250,000 to $299,999 267 3.0% $1680
$300,000 to $399,999 402 5.0% $2142

Renters Insurance in Stone Mountain

  • Average Renters Insurance in Stone Mountain :  $252($21/month)

  • Median Gross Rent in Stone Mountain :  $838

  • Stone Mountain Renters Insurance to Median Rent Ratio:  2.51%

  • Average household size of renter-occupied unit :  2.42

Stone Mountain Renters Insurance as a Percentage of Rent

Stone Mountain Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 276 3.0% $1263
$500 to $749 2,041 29.0% $1938
$750 to $999 2,836 40.0% $2688
$1,000 to $1,499 1,308 18.0% $3813
$1,500 or more 428 6.0% $5463

Rent Affordability in Stone Mountain:

Approximately 51.0% (3,688) of households are spending more than 35% of their income on gross rent in Stone Mountain

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 498 6.0%
15.0 to 19.9 percent 469 6.0%
20.0 to 24.9 percent 779 10.0%
25.0 to 29.9 percent 1,230 17.0%
30.0 to 34.9 percent 507 7.0%
35.0 percent or more 3,688 51.0%

Stone Mountain Renters Insurance Discounts:

Stone Mountain Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Stone Mountain, GA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 4,549 63.0% $25.2
2 vehicles available 1,177 16.0% $37.8
3 or more vehicles available 119 1.0% $50.4

Stone Mountain Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 417 5.0% $83
60 to 64 years 295 4.0% $67
65 to 74 years 247 3.0% $54
75 years and over 375 5.0% $41

Protective device discount in Stone Mountain Up to :  $37

Claims-free discount in Stone Mountain Up to :  $50