Lawrenceville ,GA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Lawrenceville, GA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Lawrenceville, GA is $1845. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Lawrenceville, GA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Lawrenceville, GA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $738 |
| $200,000 | $1,255 |
| $300,000 | $1,550 |
| $400,000 | $2,362 |
| $500,000 | $2,970 |
Home insurance costs in Lawrenceville can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 030043 | $1,772 |
| 30045 | $1,755 |
| 30044 | $1,737 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Lawrenceville, GA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,892 |
| $1000 Deductible | $1,692 |
| $1500 Deductible | $1,596 |
| $2500 Deductible | $1,439 |
| $5000 Deductible | $1,218 |
| Home Insurance Company Near Lawrenceville, GA | Homeowners Insurance Agency Near Lawrenceville, GA | Address |
|---|---|---|
| Allstate | Amy Reese | 150 Athens Hwy Ste 1400, Loganville, GA, 30052 |
| Farmers | Gena Trust | 5664 Peachtree Pkwy Ste A, Norcross, GA, 30092 |
| Travelers | Hasegawa Insurance Agency Llc | 1240 JOHNSON FERRY PL STE F-10, MARIETTA, GA, 30068 |
| Allstate | Mike Glancy | 5041 Dallas Hwy Ste 506, Powder Springs, GA, 30127 |
| Allstate | William House | 5755 N Point Pkwy Ste 36, Alpharetta, GA, 30022 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Gwinnett County, Georgia | $136 | $181 | $272 |
| Grayson city, Georgia | $143 | $190 | $285 |
| Suwanee-Duluth CCD, Gwinnett County, Georgia | $140 | $186 | $279 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Lawrenceville, GA | 4.8% | 17.3% |
| Gwinnett County | 4.63% | 16.43% |
| Grayson | 3.7% | 16.32% |
| Suwanee-Duluth | 4.21% | 15.07% |
| Lawrenceville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 386 | 1.0% | $1255 |
| $500 to $749 | 2,735 | 12.0% | $1930 |
| $750 to $999 | 8,197 | 36.0% | $2680 |
| $1,000 to $1,499 | 8,768 | 39.0% | $3805 |
| $1,500 or more | 2,107 | 9.0% | $5455 |
| Streets in Lawrenceville Area | Homeowners Insurance Cost |
|---|---|
| Foxcroft Rd NE, Gateshead Ct, Keyhaven Ct, Club Ct NE, Tumblewood Trl NW, Hickory Ln, Langley Dr, Saint Aurics Dr, Greenfield Way, Hunt River Way | $904 |
| Cottonwood Dr NE, Havant Way, Springlake Rd, Hood Rd NE, Carithers Rd, Hunt Crossing Ct, Cordun Ct East NE, Stoneshyre Ct, Hounds Ridge Ct, Braeburn Dr | $891 |
| Chapel Station Dr, Scenic Creek Dr, Martins Down Dr, Colewood Ct, Bailing Rd, Philip Blvd, N Fork Ct NW, Woodland Valley Rd, Peach Blossom Ct, Gardner Park Ct | $892 |
| Forest Valley Rd SW, Luther Way, Eagle Creek Ct NW, Autumn View Dr, Devonshire Walk Dr, Laufin Ct NE, Juniper Ct, Chadwick Ridge Ct, Musical Way, Billy McGee Rd SE | $901 |
| Sunrise Way, Lamancha Ct NW, Glenview Way NE, Arnold Mill Rd, Heathridge Ct, Majestic Way, Northdale Ct, Polaris Ct, Kingsley Cir NW, Glen Chase Ln | $883 |
| Sunnyside Ct, Oakland Farm Dr, Legacy Park Dr, Amberleigh Oak Way, Norhill Ct, Poseidon Way, Melrose Forest Ln SE, Wildcat Trace Cir, Laurel River Trl, Brook Creek Way SE | $908 |
| Mission Walk, Oaktree Park Ct NW, Reading Ct NE, Doe Ct, Quail Hollow Dr, Tara Oaks Trl, Donington Cir SE, Breckinridge Blvd, Bethesda Church Rd, Grassy Oat Ln | $902 |
| Barrett Bluff Dr SE, Springbottom Ct, Shore Dr NW, Sunnyside Dr, Tipton Inn, Spanish Moss Ct, Simonton Glen Way SE, Clipper Ct, Lombard Dr, Paper Mill Rd | $905 |
| Bay Willow Pl, Meyers Dr, Church Rd NW, Oak Vista Way, Spring Falls Dr, Sweet Woods Dr, Old Fountain Rd, Peachtree Parc Ct NE, Springbottom Dr, Dunhill Dr | $890 |
| Spring Leaf Ct, Bramlett Shoals Rd, Lauren Kay Ct, Willow Pointe Dr, Wiegand Blvd, Woodbrook Way, Simon Ive Dr, Black Eagle Ct, Squire Hill Ln NE, Jules Crest Ct | $909 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Lawrenceville | $135 to $137 |
| Gwinnett County | $136 |
| Grayson | $142 |
| Suwanee-Duluth | $139 |
| Coverage | Construction type | Company | Premium | ||
|---|---|---|---|---|---|
| $250 Deductible | $500 Deductible | $1000 Deductible | |||
| $75,000 | veneer | Allstate Vehicle And Property Insurance Company | N/A | N/A | N/A |
| $350,000 | frame | American Family Insurance Company | $1192.00 | $1073.00 | $966.00 |
| $350,000 | frame | California Casualty Indemnity Exchange | $1841 | $1638 | $1401 |
| $300,000 | frame | Esurance Insurance Company | N/A | N/A | N/A |
| $400,000 | veneer | Esurance Insurance Company | N/A | N/A | N/A |
| $200,000 | frame | Hanover Insurance Company | $1173 | $918 | $790 |
| $300,000 | veneer | Hanover Insurance Company | $1367 | $1068 | $918 |
| $300,000 | veneer | Homesite Insurance Company Of Georgia | N/A | N/A | $983.00 |
| $350,000 | frame | Liberty Insurance Corporation | N/A | $1396 | $1330 |
| $350,000 | frame | The Travelers Home And Marine Insurance Company | N/A | N/A | $2281 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $2,900 |
| Yearly Lawrenceville Homeowner Insurance Premium Example | $1,100 | $700 |
| Out of Pocket Expense During Claim | $900 | $2,900 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $8,600 | $7,800 |
| Net Savings to Lawrenceville Home Owner from High Deductible Plan | $800 | |
| Scenario | Lawrenceville, GA Home Replacement Value MORE than Home Value | Lawrenceville, GA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $178,500 | $107,500 |
| Insurance Premium based on Replacement Value | $800 | $475 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $32,000 | Risk Exposure from Under Insuring Coverage is $39,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $150/year |
| Insurance Company | Chubb Group of Insurance | American Family Insurance | Allstate |
| Monthly Premium | 83 | 86 | 85 |
| Year Built | 2004 | 1997 | 2010 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $200000-$250000 | $175000-$200000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $500- $1000 Deductible |