Lilburn, GA Home Insurance - Analysis On Quotes, Rates & Agents
Lilburn Insurance Rates:
Lilburn, GA homeowners insurance is roughly $764 to $1,036, about $63-$86/month. Our thorough guide reveals consumers can save upto $360 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Average Cost of Homeowners Insurance in Lilburn, GA
As a homeowner in Lilburn, GA, it's important to have adequate homeowners insurance to protect your home and belongings. Homeowners insurance is a type of property insurance that covers your home and belongings in the event of damage or theft. It can also provide liability coverage if someone is injured on your property. Many types of homeowners insurance policies are available, so it's essential to work with an insurance agent to find the right policy for your needs. Homeowners insurance typically covers the structure of your home, personal belongings, and liability. It's necessary to have enough coverage to replace your home and belongings if damaged or destroyed.
The cost of homeowners insurance varies depending on the coverage you choose, your home's value, and your home's location. In Lilburn, GA, homeowners insurance rates are relatively affordable. The average cost of home insurance in Lilburn, GA, is $1012. Keep the following things in mind when searching for homeowners insurance in Lilburn, Georgia.
Cost of Home Insurance Based on the Coverage Level in Lilburn, GA
Your home and other structures on your property are protected from unforeseen disasters by a package known as coverage. It guarantees the safety of your house, possessions, and other priceless objects from harm and theft. The type of coverage a homeowner chooses may affect the cost of the home insurance. For example, in Lilburn, Georgia, homeowners pay $1223 for $200k in house insurance. In Lilburn, Georgia, homeowners typically pay between $667 and $2434 for coverage ranging from $100k to $300k.
Cost of Home Insurance Based on the Deductibles in Lilburn, GA
Deductibles are one of the most important factors in determining the cost of homeowners insurance. The higher the deductible, the lower the premium. However, this also means that the policyholder is responsible for a greater portion of any damages that may occur. For this reason, choosing an affordable deductible that will provide adequate coverage in case of a claim is essential. When selecting a $500 low deductible, homeowners in Lilburn, Georgia, pay $1000 in homeowners insurance premiums. The cost of homeowners insurance in Lilburn, Georgia, is $727 with a high $2500 deductible.
Cost of Home Insurance Based on the Age of the Home in Lilburn, GA
Insurance companies tend to charge higher rates for older homes since they are more likely to have problems that need to be fixed. However, there are a few things that you can do to offset this cost. In Lilburn, Georgia, homes over 30 and over 50 pay $1027 and $1050 in homeowner's insurance, respectively. However, newly constructed homes in Lilburn, Georgia, may qualify for insurance savings of $769. One of the most important things you can do is ensure that your home is well-maintained. This means keeping up with repairs, painting, and other maintenance tasks that will help to keep your home in good condition. Insurance companies often offer discounts for well-maintained homes, which is a good way to save money.
Lilburn, GA Homeowners Insurance By Home Value
| Lilburn, GA Home Value | Total Homes | % of Total | Average Lilburn, GA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,089 | 4.0% | $135 |
| $50,000 to $59,999 | 433 | 1.0% | $279 |
| $60,000 to $69,999 | 308 | 1.0% | $351 |
| $70,000 to $79,999 | 581 | 2.0% | $405 |
| $80,000 to $89,999 | 844 | 3.0% | $459 |
| $90,000 to $99,999 | 533 | 2.0% | $513 |
| $100,000 to $124,999 | 2,423 | 10.0% | $594 |
| $125,000 to $149,999 | 3,663 | 15.0% | $747 |
| $150,000 to $174,999 | 4,262 | 17.0% | $882 |
| $175,000 to $199,999 | 2,462 | 10.0% | $1026 |
| $200,000 to $249,999 | 3,919 | 16.0% | $1233 |
| $250,000 to $299,999 | 1,979 | 8.0% | $1503 |
| $300,000 to $399,999 | 1,543 | 6.0% | $1917 |
Top Home Insurance Agents Near Lilburn, GA
| Home Insurance Company Near Lilburn, GA | Homeowners Insurance Agency Near Lilburn, GA | Address |
|---|---|---|
| Travelers | In Max Insurance Center | 3025 HWY 78, LOGANVILLE, GA, 30052 |
| Travelers | Perez Insurance Professionals | 2800 CANTON RD STE 1240, MARIETTA, GA, 30066 |
| Allstate | Sarah Vereen | 6681 Jonesboro Rd Ste 115, Morrow, GA, 30260 |
| Nationwide | Scott Insurance & Financial Services Group Inc | 15 Thomas Grace Annex Ln STE 450, Sharpsburg, GA, 30277 |
| Travelers | Watkins Insurance Agency | 215 S ERWIN ST, CARTERSVILLE, GA, 30120 |
Lilburn, GA Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Lilburn, GA
| Streets in Lilburn Area | Homeowners Insurance Cost |
|---|---|
| Oakbrook Dr, Ginson Dr NW, Oak Ridge Cir, Spruce Pine Ct SW, Dry Fork Creek Ter, Elizabeth Way NW, Triple Oaks Dr, Joel Ct, Hannah Way, Mayflower Ct SW | $897 |
| Pine Glen Ct SW, Chester Ct SW, Rabun Dr, Durham Ln NW, John Dr NW, Velva Way NW, Wedgewood Ln, Delightful Way SW, Sarah Ct NW, Rockbridge Rd SW | $938 |
| Carrousel Ct, Johns St NW, Loma Ct SW, Goodwood Blvd NW, Wylpoint Rd, Heatherwood Ct, Graves Rd, Cobb Mdw, Sparrows Ln NW, Cub Ct SW | $880 |
| Walking Ln NW, Singlebriar Ct, Lu Ann Ct NW, Country Trce, Joy Ln SW, Bent River Dr SW, Miller Ct NW, Carlton Way, Rocky Hill Dr SW, Lakefront Cove SW | $928 |
| Madison Ct SW, Woodcliff Dr NW, Queen Anne Ct NW, Marsh Ln SW, Lacosta Ct SW, Delridge Dr SW, Oakbrook Lake Dr, Concord Cir SW, Sweetwater Way, Velva Ct NW | $876 |
| Allen Cir, Princeton Way SW, Mountainbrooke Cir, S National Cir NW, Teslin Way, Wrangell Pt, Holly Village Ct, Turner Rd SW, Danbury Ln NW, Little John Dr NW | $880 |
| Branford Ln NW, Courtlin Cove NW, Acuba Ct, River Dr SW, Oak Leaf Ter, Village Creek Dr SW, White Wing Ct, Navajo Ct NW, Wedgewood Way, Jeannette Ct | $885 |
| Vivid Dr SW, Hillcrest Rd NW, Summer Cove Ln, Maple Ct Ct, Grandeus Ln SW, Mandalay Ct SW, Bishops Cir, Sumter Ln SW, Country Downs Dr, Esquire Pl | $901 |
| Windfield Glen Ct NW, Wedgewood Trce, Buckley Woods Dr, Willow Trl Pkwy, Park Forest Trl NW, Catamount Dr SW, James St SW, Cornerstone Ct NW, Jonathan Ln NW, Jennings Way | $903 |
| Magnolia Glen Walk NW, Jody Ln NW, Valley Forge Rd, Allen Woods Dr, Wynne-Russell Dr, Travois Way SW, Cross Ct SW, Britt Way, Grove Place Xing, Kenion Forest Way SW | $911 |
Lilburn, GA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Lilburn | $134 to $137 |
| Mountain Park | $136 |
| Stone Mountain | $133 |
| Tucker | $142 |
Lilburn, 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 |
|---|---|---|---|
| Mountain Park CDP, Georgia | $114 | $151 | $227 |
| Stone Mountain CCD, DeKalb County, Georgia | $111 | $148 | $222 |
| Tucker CCD, DeKalb County, Georgia | $119 | $158 | $237 |
Lilburn, GA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Lilburn, GA | 5.0% | 17.6% |
| Mountain Park | 4.96% | 17.78% |
| Stone Mountain | 5.1% | 15.73% |
| Tucker | 4.4% | 14.29% |
Lilburn Renters Insurance as a Percentage of Rent
| Lilburn Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 205 | 1.0% | $1256 |
| $500 to $749 | 4,036 | 21.0% | $1931 |
| $750 to $999 | 7,917 | 42.0% | $2681 |
| $1,000 to $1,499 | 5,050 | 27.0% | $3806 |
| $1,500 or more | 1,195 | 6.0% | $5456 |
Average Cost Of Home Insurance By Company In Areas Nearby Lilburn For Different Scenarios
| Coverage | Construction type | Company | Premium | ||
|---|---|---|---|---|---|
| $250 Deductible | $500 Deductible | $1000 Deductible | |||
| $75,000 | veneer | Aig Property Casualty Company | $363 | $345 | $316 |
| $400,000 | frame | Allstate Vehicle And Property Insurance Company | N/A | N/A | N/A |
| $150,000 | frame | American Family Mutual Insurance Company, S.I. | N/A | N/A | $853.14 |
| $400,000 | veneer | Auto-Owners Insurance Company | $1282.15 | $1198.27 | $1090.42 |
| $300,000 | veneer | Country Casualty Insurance Company | $1414.75 | $1254.55 | $1040.46 |
| $200,000 | frame | Preserver Insurance Company | N/A | $1168 | $1026.00 |
| $200,000 | frame | Safeco Insurance Company Of Indiana | $1340 | $1249 | $1147 |
| $350,000 | frame | Safeco Insurance Company Of Indiana | $1811.06 | $1695.93 | $1570.71 |
| $250,000 | frame | Trustgard Insurance Company | $1388 | $1300 | $1187 |
| $75,000 | veneer | Trustgard Insurance Company | $598 | $526 | $434 |
Lilburn, GA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $3,500 |
| Yearly Lilburn Homeowner Insurance Premium Example | $2,200 | $1,700 |
| Out of Pocket Expense During Claim | $500 | $3,500 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $15,900 | $15,400 |
| Net Savings to Lilburn Home Owner from High Deductible Plan | $500 | |
Lilburn, GA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Lilburn, GA Home Replacement Value MORE than Home Value | Lilburn, GA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $171,500 | $99,000 |
| Insurance Premium based on Replacement Value | $850 | $500 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $35,000 | Risk Exposure from Under Insuring Coverage is $37,500 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $175/year |
Example Lilburn Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | GEICO Insurance | Farmers Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 50 | 132 | 73 |
| Year Built | 2014 | 1995 | 2004 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 2 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $400000-$500000 | $200000-$250000 |
| Deductible | > $10,000 Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Lilburn, GA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1992 | 205,000 | Asphalt Shingles Roof | 2,060 | 3 | > $10,000 Deductible | 440 | 9 | Vinyl siding | No |
| 2005 | 350,000 | Asphalt Shingles Roof | 3,370 | 5 | $1000-$2500 Deductible | 1300 | 12 | Vinyl siding | yes |
| 1987 | 295,000 | Shingles Roof | 3,040 | 5 | $500 Deductible | 410 | 4 | Wood siding | No |
| 2008 | 145,000 | Shingles Roof | 1,560 | 3 | $1000-$2500 Deductible | 260 | 8 | Stucco siding | yes |
| 2000 | 450,000 | Membrane Roof | 4,130 | 5 | > $10,000 Deductible | 1360 | 12 | Wood siding | yes |
| 1982 | 245,000 | Composition Roof | 2,940 | 5 | $500- $1000 Deductible | 460 | 6 | Stucco siding | No |
| 1985 | 185,000 | Membrane Roof | 2,310 | 3 | $500 Deductible | 680 | 10 | Fiber-Cement Siding | No |
| 1985 | 455,000 | Membrane Roof | 3,960 | 5 | $500- $1000 Deductible | 1030 | 6 | Fiber-Cement Siding | No |
| 1987 | 465,000 | Shingles Roof | 4,440 | 5 | $5000 to $10,000 Deductible | 920 | 9 | Wood siding | yes |
| 1998 | 130,000 | Membrane Roof | 1,640 | 4 | $1000-$2500 Deductible | 490 | 10 | Brick siding | No |
| 2010 | 170,000 | Asphalt Shingles Roof | 1,490 | 3 | $500 Deductible | 90 | 1 | Stucco siding | yes |
| 1989 | 195,000 | Wood Shake Roof | 2,370 | 4 | $500- $1000 Deductible | 500 | 7 | Stone Siding | No |
| 2001 | 220,000 | Membrane Roof | 2,090 | 5 | $5000 to $10,000 Deductible | 140 | 2 | Wood siding | No |
| 2014 | 130,000 | Asphalt Shingles Roof | 1,470 | 3 | $500 Deductible | 700 | 12 | Fiber-Cement Siding | yes |
| 2004 | 245,000 | Membrane Roof | 2,740 | 5 | $2500-$5000 Deductible | 850 | 9 | Stone Siding | No |
| 2013 | 200,000 | Membrane Roof | 1,790 | 3 | $2500-$5000 Deductible | 960 | 12 | Wood siding | No |
| 2004 | 295,000 | Asphalt Shingles Roof | 3,060 | 4 | > $10,000 Deductible | 1100 | 12 | Brick siding | No |
| 2001 | 250,000 | Wood Shake Roof | 2,760 | 5 | $2500-$5000 Deductible | 290 | 3 | Stucco siding | yes |
| 1992 | 245,000 | Asphalt Shingles Roof | 2,480 | 4 | > $10,000 Deductible | 460 | 8 | Wood siding | yes |
| 1999 | 120,000 | Asphalt Shingles Roof | 1,400 | 3 | $500- $1000 Deductible | 180 | 3 | Vinyl siding | yes |
| 2009 | 210,000 | Composition Roof | 2,180 | 4 | $1000-$2500 Deductible | 680 | 9 | Brick siding | yes |
| 2000 | 315,000 | Wood Shake Roof | 2,930 | 5 | $2500-$5000 Deductible | 740 | 8 | Stone Siding | No |
| 2013 | 180,000 | Metal Roof | 1,670 | 4 | $1000-$2500 Deductible | 760 | 10 | Wood siding | No |
| 2010 | 425,000 | Shingles Roof | 4,200 | 5 | $1000-$2500 Deductible | 800 | 5 | Wood siding | No |
| 2004 | 310,000 | Asphalt Shingles Roof | 3,390 | 5 | > $10,000 Deductible | 180 | 2 | Wood siding | No |
| 2004 | 260,000 | Shingles Roof | 2,220 | 3 | $5000 to $10,000 Deductible | 610 | 10 | Wood siding | yes |
| 2012 | 275,000 | Membrane Roof | 3,460 | 5 | $500- $1000 Deductible | 590 | 6 | Fiber-Cement Siding | yes |
| 1991 | 190,000 | Composition Roof | 1,950 | 3 | $2500-$5000 Deductible | 580 | 12 | Brick siding | yes |
| 2003 | 330,000 | Wood Shake Roof | 4,240 | 5 | $500- $1000 Deductible | 930 | 10 | Stone Siding | No |
| 2001 | 155,000 | Asphalt Shingles Roof | 1,989 | 3 | $2500-$5000 Deductible | 240 | 3 | Stucco siding | yes |
Latest Home Insurance Reviews
AllstateI have been with this company for many years. They have always been good to me. They have an excellent track record and have a good reputation.
National GeneralUp until this point, i do not have anything that i personally do not like about them. everything i've ever needed has been dealt with appropriately and promptly.
Grange InsuranceWhat i don't like is that the policy isn't as good as the one i had with my previous insurer and they didn't cover one of my claims that i submitted.
State FarmIt is extremely easy to deal with state farm in trying to secure insurance and their agents are knowledgeable and receptive.
State FarmI like that my agent is someone that I can call and I know they will get back to me.
State FarmThe customer service that I have received has been outstanding because of their quick response. All of my interactions with the company has been positive.
Farmer's InsuranceI had insurance through a different company before my current policy. The other company charged a little more for less coverage. The other company had even made an error that left me unknowingly uninsured for six months while still charging me for coverage.
State FarmI am satisfied with the price we received, and the purchasing experience was better with State Farm than it was with the competitors we tried. Although you hope never to use your insurance, of course, there will come a day when we need to file a claim. When that happens, I think I will learn a lot more about what I like and dislike about the company.
ProgressiveIt is non-intuitive and difficult to navigate
Farmer's InsuranceSubmitting a claim and once or twice requesting that my policy be slightly modified has always been very easy to do. Customer service has always responded very quickly and professionally. I've never had to stay on hold for too long and I have no complaints overall.
Geicoi find its hard to get more as a loyal customer, since they treat all of their customers with the same level of service
Southern Mutual Insurance CompanyThe main thing that I dislike about this company is that I do not have car insurance or life insurance through them, so I am not able to get a multi-policy discount or something of that nature.
AllstateI have all my insurance needs covered by Allstate except for motorcycle. They cannot beat Progressive's rates. I know once I update and review my coverage needs with our representative and compare that to other companies, it will be comparable in price and coverage. Customer service has always been friendly and good to deal with.
GeicoI think the company is professional with everything they are and stand for. They are great to do business with and I will stay with this company for a long long time.
American Home ShieldI have never had any issues with the company. Sometimes going through my agent to get to them and back to me, but not directly.
Country FinancialIt cover contents and fixtures specially for property owners.people like feeling more secure financially so i can recommend this insurance for people to start with
American Family InsuranceMy insurance company gives fair rates compared to other companies in the area. I stayed with this company because of the friendliness of the agents office
Universal Property & Casualty Insurance CompanyI don't have anything negative to say.
AllstateI dislike working with insurance companies in general. It is always stressful, and it feels like they are penny-pinching sometimes.
GeicoGeico has awesome customer service and they make it extremely easy to use the website or app. They just make everything streamlined.
State FarmThe only thing that I can think that I don't like about the company is the fact that I don't have the ability to change any part of my policy on their website.