Athens Insurance Rates:

Athens, GA homeowners insurance is approximately $764 to $1,036, about $63-$86/month. Our comprehensive analysis reveals consumers can save as much as $360 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I would recommend this company, if you have a family this company will make sure that your family is taken care of in times of need.
American Home Shield
I have had to file two claims since i was living in my house for less than 2 years. they paid my claims quickly and i have had no issues with them.
Nationwide
I feel very protected with this company, and I feel that I am paying a fair price for what I am being offered. I am not sure what other companies are offering.
State Farm
I am completely satisfied with my deductible. I can change it at anytime if I become unsatisfied. I know I have the lowest premium I could get any where because I have been with State Farm for over 20 years.
Allstate
in comparison my company has a better premium but there are other companies that exceed it in deductibles
State Farm
I would recommend this company because it is a well known policy, that I haven't read about being involved in any scandals. The company has served us well for years.
Geico
GEICO offered us the lowest rates. We also got to select the amount of our deductible to make our policy even more affordable for us. Our deductible is currently set at $250.their premiums were much higher.
Progressive
I like that i can make my payments online. it is very convenient to make my same day payment either online or thru auto-pay.
State Farm
They often send my coverage description regularly. They send great ideas on ways to protect your home. The bills are sent and I feel they tell me enough to understand what IÃḃ€™m paying for.
State Farm
I get timely notifications on bills. So they are pretty good and maintaining that channel open. They also contact me often to check how I am doing.
Allstate
The processes claims fast. They are reasonably priced compared to other insurers. I have never had an issue with them. I give them 4 out of 5
State Farm
You have to call a call center when they want information and you get a different person every time. You have to tell the whole story rather than just give info and often you have to give the information multiple times
Horace Mann Educators Corporation
I have no dislikes about my insurance company. I haven't had any problems to want to dislike them. So no dislikes.
Country Financial
I would recommend Country Mutual and have recommended them to family and friends.
Allstate
Because their service is excellent.And has a very good rating compared to other insurance providers.I am happy with their service.They are very helpful throughout the process.

Athens, GA Homeowners Insurance By Home Value

Athens, GA Home Value Total Homes % of Total Average Athens, GA Homeowners Insurance
Less than $50,000 367 3.0% $135
$50,000 to $59,999 153 1.0% $279
$60,000 to $69,999 145 1.0% $351
$70,000 to $79,999 205 1.0% $405
$80,000 to $89,999 483 4.0% $459
$90,000 to $99,999 523 4.0% $513
$100,000 to $124,999 1,559 13.0% $594
$125,000 to $149,999 1,595 13.0% $747
$150,000 to $174,999 2,292 19.0% $882
$175,000 to $199,999 1,087 9.0% $1017
$200,000 to $249,999 1,501 12.0% $1224
$250,000 to $299,999 899 7.0% $1503
$300,000 to $399,999 929 7.0% $1908

Top Home Insurance Agents Near Athens, GA

Home Insurance Company Near Athens, GA Homeowners Insurance Agency Near Athens, GA Address
NA Benton & Parker Co., Inc. 703 Medical Park Ln, Gainesville, GA, 30501
Nationwide Kearns Insurance Agency Inc 4500 Hugh Howell Rd STE 470, Tucker, GA, 30084
State Farm Peyton Pettus 3910 Hwy 81 SW, Loganville, GA, 30052
Travelers Qbe First 4450 RIVER GREEN PARKWAY SUITE 100-A, DULUTH, GA, 30096
State Farm Wendy Bear 1029 Railroad St. NW, Conyers, GA, 30012

Athens, GA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Athens, GA

Streets in Athens Area Homeowners Insurance Cost
Commerce Rd, Woody Ln, Weymanda Ct, Wood Ln, Sylvan Rd, Tallassee Rd, Live Oak Pl, Pinecrest Dr, Pamela Dr, Vintage Ct$897
Harwood Ct, Milledge Cir, Chatham Dr, Gail Dr, S Poplar St, Produce Ln, Waverly Ct, Abington Ln, Catkin Ct, Kenny Rd$931
Belvoir Hts, Hunt Rd, Buckeye Branch, Princeton Mill Rd, Pinecrest Dr, Ruth St, Smoke Rise Ct, Oglethorpe Ave, Cedar Creek Dr, Old Princeton Rd$961
Nellie B Ave, McLeroy Dr, Doe Run, Frederick Dr, Pineview Dr, Cloverhurst Cir, Pine Valley Dr, Grady Ave, Manorhaven Ct, Sharon Cir$900
Crestview Cir, Tracy St, Ashbrook Dr, Marsha Ct, Honeytree Dr, 1st St, Hampton Ct, Pepperidge Ln, Magnolia St, Cloverhurst Pl$1,023
Charter Oak Dr, Lost Tree Trl, Breckenridge Ln, Park Ave, N Stratford Dr, Deertree Dr, College Cir, Cone Dr, Springtree Rd, Elizabeth St$882
Pinecrest Ct, Bob Godfrey Rd, Davis Estates Rd, Milledge Ave Exd, Southview Dr, Cedar Springs Pl, James White Rd, University Cir, E Paces Dr, Hancock Ln$896
Woodrow St, Whippoorwill Pl, Alpine Way, Round Table Ct, Quail Run Dr, Townes Grocery Rd, Valleywood Dr, Tabby Ln, Landor Pl, Carr St$901
Park Ridge Pl, Mell St, Branch St, Wedgewood Chase, Idylwood Dr, Hills Chapel St, Vine St, Royale Rd, Dearing St, Brookstone Pl$860
Mal Bay Rd, Lavender Rd, Mathews Ave, Sylvia Cir, Vine Cir, Sanders Ct, Springdale Ct, Georgia Dr, Henderson Exd, Oak Hill Dr$860

Athens, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Athens$134 to $137
Athens-Clarke County unified government$134
Winterville$131
Hull$130

Athens, GA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Athens-Clarke County unified government (balance), Georgia $134 $179 $269
Clarke County, Georgia $134 $179 $269
Winterville CCD, Clarke County, Georgia $131 $175 $263

Athens, GA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Athens, GA5.7%17.4%
Athens-Clarke County unified government5.81%17.82%
Clarke County5.81%17.86%
Winterville6.71%20.1%

Athens Renters Insurance as a Percentage of Rent

Athens Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 569 3.0% $356
$200 to $299 545 3.0% $806
$300 to $499 1,509 9.0% $1256
$500 to $749 5,366 32.0% $1931
$750 to $999 4,060 24.0% $2681
$1,000 to $1,499 3,238 19.0% $3806
$1,500 or more 1,240 7.0% $5456

Average Cost Of Home Insurance By Company In Areas Nearby Athens For Different Scenarios

Coverage Construction type Company Premium
$250 Deductible $500 Deductible $1000 Deductible
$150,000 frame Hartford Casualty Insurance Company $1569 $1509 $1399
$300,000 veneer Hartford Casualty Insurance Company $2810 $2730 $2587
$400,000 frame Hartford Insurance Company Of The Southeast $3733 $3629 $3442
$350,000 frame Liberty Insurance Corporation N/A $1759 $1672
$350,000 veneer Owners Insurance Company $1284.35 $1200.33 $1092.31
$75,000 frame Praetorian Insurance Company N/A $435 $367
$200,000 veneer Praetorian Insurance Company N/A $835 $704
$150,000 frame Preserver Insurance Company N/A $794 $692.00
$400,000 frame Preserver Insurance Company N/A $1322 $1189.00
$150,000 veneer The Armed Forces Insurance Corporation $596 $544 $463

Athens, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$2,500
Yearly Athens Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,300$8,100
Net Savings to Athens Home Owner from High Deductible Plan $1,200

Athens, GA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Athens, GA Home Replacement Value MORE than Home Value Athens, GA Home Replacement Value LESS than Home Value
Replacement Value $204,000 $140,500
Insurance Premium based on Replacement Value $1,225 $850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,000 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $175/year

Example Athens Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyFarmers Insurance
Monthly Premium 7331112
Year Built 201020091971
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$100000-$125000$400000-$500000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Athens, GA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 325,000 Asphalt Shingles Roof 3,760 5 $2500-$5000 Deductible 500 5 Fiber-Cement Siding yes
2014 190,000 Wood Shake Roof 1,870 4 $500- $1000 Deductible 760 12 Vinyl siding No
2013 110,000 Membrane Roof 1,380 2 $500 Deductible 440 12 Stucco siding No
2011 155,000 Wood Shake Roof 1,860 3 $5000 to $10,000 Deductible 400 8 Vinyl siding No
1994 190,000 Tile Roof 2,450 4 $2500-$5000 Deductible 340 5 Brick siding No
1989 250,000 Asphalt Shingles Roof 2,270 3 $500 Deductible 760 10 Stucco siding yes
2013 400,000 Metal Roof 4,670 5 $2500-$5000 Deductible 780 8 Fiber-Cement Siding yes
2005 130,000 Wood Shake Roof 1,450 3 $2500-$5000 Deductible 30 1 Stone Siding yes
2001 125,000 Slate Shingles Roof 1,200 2 $500 Deductible 220 6 Wood siding yes
2009 300,000 Composition Roof 2,810 5 $1000-$2500 Deductible 720 10 Stucco siding yes
2004 280,000 Composition Roof 2,960 4 $1000-$2500 Deductible 180 2 Vinyl siding yes
1991 370,000 Tile Roof 3,350 4 $500- $1000 Deductible 900 7 Stucco siding yes
1978 245,000 Asphalt Shingles Roof 2,130 5 $500- $1000 Deductible 150 2 Wood siding No
2011 130,000 Membrane Roof 1,420 2 $500 Deductible 100 2 Stucco siding No
1998 325,000 Asphalt Shingles Roof 3,400 4 $5000 to $10,000 Deductible 200 3 Fiber-Cement Siding No
2010 295,000 Tile Roof 2,910 4 $5000 to $10,000 Deductible 200 3 Brick siding yes
2005 135,000 Composition Roof 1,250 3 $2500-$5000 Deductible 80 2 Stone Siding yes
2010 285,000 Composition Roof 3,350 4 $500 Deductible 320 2 Wood siding yes
2009 275,000 Tile Roof 2,870 4 > $10,000 Deductible 650 8 Vinyl siding yes
2011 185,000 Tile Roof 1,580 2 $500 Deductible 760 10 Fiber-Cement Siding No
1970 135,000 Wood Shake Roof 1,440 2 $1000-$2500 Deductible 440 9 Stone Siding No
2009 145,000 Slate Shingles Roof 1,470 2 $500- $1000 Deductible 270 6 Stucco siding No
1984 340,000 Composition Roof 4,340 5 $5000 to $10,000 Deductible 270 4 Stone Siding yes
1982 155,000 Slate Shingles Roof 1,610 2 $500- $1000 Deductible 460 8 Stone Siding No
2014 175,000 Composition Roof 2,190 3 $2500-$5000 Deductible 240 4 Wood siding yes
2014 415,000 Membrane Roof 3,590 5 > $10,000 Deductible 960 12 Fiber-Cement Siding yes
1981 325,000 Metal Roof 2,820 5 $5000 to $10,000 Deductible 840 10 Brick siding yes
2007 260,000 Slate Shingles Roof 2,740 5 $2500-$5000 Deductible 430 5 Stone Siding yes
1987 185,000 Asphalt Shingles Roof 1,770 3 $2500-$5000 Deductible 40 1 Wood siding No
1976 295,000 Slate Shingles Roof 3,760 5 $1000-$2500 Deductible 370 4 Vinyl siding yes
1989 365,000 Slate Shingles Roof 3,340 5 $500 Deductible 2050 12 Stone Siding No
2009 150,000 Slate Shingles Roof 1,870 3 $500- $1000 Deductible 340 7 Fiber-Cement Siding yes
1980 265,000 Shingles Roof 2,460 4 $500- $1000 Deductible 850 10 Brick siding yes
2012 120,000 Asphalt Shingles Roof 1,130 2 $500- $1000 Deductible 430 9 Stone Siding yes

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