Gainesville Insurance Rates:

Gainesville, GA homeowners insurance is about $758 to $1,029, about $63-$85/month. Our complete guide shows customers can save upto $357 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Esurance
Esurance has been my home insurer for several years now. I would give them a rating of 5 for a number of reasons. First and foremost the online platform is easy to use, quick and efficient.
State Farm
Some policy offerings cover basic perils, such as theft, fire, lightning, wind, vandalism, ice and snow as well as sleet and flood damage.
Allstate
Allstate really worked for my business. I started off with car insurance, but Allstate worked hard and proved to be that it wanted my business. I am saving so much with them!
State Farm
I did not compare coverage through other companies as I was able to bundle my insurance under State Farm. I did compare price points with the website my landlord has me pay through (Cozy), but I did not look over their coverage.
Allstate
the recommend the company for he loan facility. its very famous and very good company.
Allstate
I have been with my insurance company for nearly 30 years. my agent is the best. he has been my agent the entire time. i couldn't ask for a better agent.
Geico
I like that my insurance company is a well known and widely trusted brand. i know that i am not getting scammed.
State Farm
I think the State Farm is high compared to other companies. I have already researched this and I can get homeowners and flood for less than I pay now with State Farm.
Travelers
I like Travelers insurance because they are easy to work with and the value of their policies are good.
Allstate
I do think the premium is on par with the coverage offered. I have had others quote the policy and had none less expensive. I do wish they didn't base my premium on the square footage of our home. The home itself is not worth what they base the premium on.
Country Financial
I would definitely recommend my home insurance company, and I have, because of their prices, their wonderful customer service, and their friendliness.
State Farm
I highly recommend State Farm for many reasons.This makes me trust them with my insurance needs. They have always been pleasant to interact with in person and on the phone.
Metlife
I would recommend them. They have good rates, better coverage than others and good customer service. I am pleased with them.

Gainesville, GA Homeowners Insurance By Home Value

Gainesville, GA Home Value Total Homes % of Total Average Gainesville, GA 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

Top Home Insurance Agents Near Gainesville, GA

Home Insurance Company Near Gainesville, GA Homeowners Insurance Agency Near Gainesville, GA Address
Travelers Brown & Brown Insurance Of Georgia 1165 Northchase Pkwy Se 1165 Northchase Pkwy Se, Marietta, GA, 30067
Travelers Equity Ins Partners Llc 2160 WHITTINGHAM CT, ROSWELL, GA, 30075
Liberty Mutual Independent Public Entities Of America Llc 1720 Windward Concourse Ste 325, ALPHARETTA, GA, 30005
Travelers Risk & Insurance Consultants Inc 5416 GLENRIDGE DR, ATLANTA, GA, 30342
State Farm Tim Hutcheson 306 Village Cir, Social Circle, GA, 30025-3234

Gainesville, GA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Gainesville, GA

Streets in Gainesville Area Homeowners Insurance Cost
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

Gainesville, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gainesville$133 to $136
Hall County$135
Oakwood$134
Talmo$138

Gainesville, 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
Hall County, Georgia $113 $150 $225
Oakwood CCD, Hall County, Georgia $112 $149 $224
Talmo town, Georgia $115 $153 $230

Gainesville, 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
Gainesville, GA5.8%20.0%
Hall County5.35%19.85%
Oakwood5.72%21.03%
Talmo2.56%19.73%

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

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

Coverage Construction type Company Premium
$250 Deductible $500 Deductible $1000 Deductible
$150,000 frame American National General Insurance Company N/A $607 $579
$350,000 veneer Bankers Standard Insurance Company N/A $2134 $1890
$350,000 veneer Esurance Insurance Company N/A N/A N/A
$300,000 veneer Foremost Insurance Company $3418.00 $3373.00 $3328.00
$300,000 veneer Foremost Property And Casualty Insurance Company $2022 $2002 $1967
$100,000 veneer Foremost Signature Insurance Company $912 $887 N/A
$300,000 veneer Grange Mutual Casualty Company N/A N/A N/A
$75,000 veneer Hanover Insurance Company $648 $513 $446
$400,000 frame Owners Insurance Company $1209.66 $1130.51 $1028.77
$150,000 frame Preserver Insurance Company N/A $1044 $897.00

Gainesville, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Gainesville Homeowner Insurance Premium Example $1,500$1,300
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $13,500$12,900
Net Savings to Gainesville Home Owner from High Deductible Plan $600

Gainesville, GA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gainesville, GA Home Replacement Value MORE than Home Value Gainesville, GA Home Replacement Value LESS than Home Value
Replacement Value $148,500 $82,500
Insurance Premium based on Replacement Value $875 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $33,500 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $200/year Insurance costlier by $200/year

Example Gainesville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAmica Mutual Insurance CompanyGEICO Insurance
Monthly Premium 42115157
Year Built 201220091997
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$250000-$300000$400000-$500000
Deductible $500- $1000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 190,000 Wood Shake Roof 1,760 3 $500 Deductible 260 3 Brick siding No
2007 120,000 Composition Roof 1,310 3 $2500-$5000 Deductible 280 7 Stone Siding No
2005 280,000 Shingles Roof 2,710 5 $1000-$2500 Deductible 920 12 Stucco siding yes
2013 200,000 Metal Roof 1,970 4 $2500-$5000 Deductible 410 7 Brick siding yes
2014 320,000 Wood Shake Roof 3,340 5 $2500-$5000 Deductible 210 3 Vinyl siding yes
2005 405,000 Wood Shake Roof 3,880 5 $1000-$2500 Deductible 540 4 Vinyl siding yes
1998 240,000 Membrane Roof 2,700 4 $1000-$2500 Deductible 80 1 Stone Siding No
1984 405,000 Tile Roof 3,660 5 $5000 to $10,000 Deductible 680 7 Fiber-Cement Siding yes
1988 150,000 Composition Roof 1,700 4 $500 Deductible 540 8 Stone Siding No
2004 410,000 Shingles Roof 3,930 5 $500 Deductible 1100 6 Stone Siding yes
1990 110,000 Metal Roof 1,290 3 $500 Deductible 500 8 Stone Siding No
1989 250,000 Tile Roof 3,350 4 $500 Deductible 1120 12 Fiber-Cement Siding yes
1986 280,000 Shingles Roof 2,760 4 $5000 to $10,000 Deductible 490 6 Vinyl siding No
1977 170,000 Asphalt Shingles Roof 1,840 4 $2500-$5000 Deductible 430 7 Vinyl siding yes
1982 125,000 Metal Roof 1,500 3 $1000-$2500 Deductible 90 2 Vinyl siding yes
1972 295,000 Metal Roof 3,020 4 $500 Deductible 560 4 Stone Siding No
1995 130,000 Shingles Roof 1,680 3 $1000-$2500 Deductible 40 1 Stucco siding No
1970 215,000 Slate Shingles Roof 1,980 3 $1000-$2500 Deductible 220 2 Wood siding No
2009 280,000 Asphalt Shingles Roof 2,650 4 > $10,000 Deductible 380 7 Brick siding No
2010 175,000 Asphalt Shingles Roof 1,690 3 $1000-$2500 Deductible 700 10 Stone Siding yes
1999 200,000 Membrane Roof 2,060 5 > $10,000 Deductible 160 3 Fiber-Cement Siding No
2009 205,000 Composition Roof 2,130 4 $500 Deductible 720 8 Wood siding yes
2010 165,000 Membrane Roof 1,530 3 $2500-$5000 Deductible 260 7 Stone Siding yes
2008 220,000 Wood Shake Roof 2,270 4 > $10,000 Deductible 130 2 Fiber-Cement Siding No
1984 340,000 Metal Roof 3,090 4 $500- $1000 Deductible 540 4 Brick siding yes
1981 155,000 Asphalt Shingles Roof 2,000 5 $5000 to $10,000 Deductible 250 6 Brick siding No
1990 125,000 Metal Roof 1,250 3 $500- $1000 Deductible 670 12 Vinyl siding yes
1977 165,000 Metal Roof 1,750 3 $5000 to $10,000 Deductible 260 6 Wood siding No
2011 350,000 Slate Shingles Roof 4,180 5 > $10,000 Deductible 440 5 Brick siding yes
2010 290,000 Membrane Roof 2,840 4 $500 Deductible 1210 12 Brick siding yes
1994 195,000 Tile Roof 1,910 3 $5000 to $10,000 Deductible 460 9 Stucco siding yes
1971 330,000 Slate Shingles Roof 2,990 5 $1000-$2500 Deductible 1080 9 Wood siding No
2001 250,000 Shingles Roof 3,070 4 $500- $1000 Deductible 1480 12 Vinyl siding No
2006 205,000 Metal Roof 2,070 3 $500- $1000 Deductible 310 5 Brick siding No
1966 215,000 Wood Shake Roof 2,037 3 > $10,000 Deductible 810 9 Stucco siding yes

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