McCaysville, GA homeowners insurance is nearly $739 to $1,011, about $61-$84/month. Our exhaustive guide shows customers can save as much as $350 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Mccaysville, GA Home Value | Total Homes | % of Total | Average Mccaysville, GA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 342 | 16.0% | $183 |
| $50,000 to $59,999 | 54 | 2.0% | $385 |
| $60,000 to $69,999 | 119 | 5.0% | $481 |
| $70,000 to $79,999 | 188 | 9.0% | $551 |
| $80,000 to $89,999 | 199 | 9.0% | $630 |
| $100,000 to $124,999 | 276 | 13.0% | $813 |
| $125,000 to $149,999 | 114 | 5.0% | $1015 |
| $150,000 to $174,999 | 179 | 8.0% | $1198 |
| $175,000 to $199,999 | 130 | 6.0% | $1382 |
| $200,000 to $249,999 | 297 | 14.0% | $1671 |
| $250,000 to $299,999 | 92 | 4.0% | $2038 |
| $300,000 to $399,999 | 69 | 3.0% | $2590 |
| Home Insurance Company Near McCaysville, GA | Homeowners Insurance Agency Near McCaysville, GA | Address |
|---|---|---|
| NA | Ladd And Associates | 5512 Ringgold Road, Suite 104 Chattanooga, East Ridge, TN, 37412 |
| Travelers | Athens Insurance Agency | 110 WASHINGTON NW, ATHENS, TN, 37303 |
| Travelers | Chandler Insurance Group Inc | 121 OLD DAWSON VILLAGE RD BLDG 100 UNIT 210, DAWSONVILLE, GA, 30534 |
| Nationwide | Kathrine Wilson | 116 Stuart Rd NE, Cleveland, TN, 37312 |
| Travelers | Vankeith Insurance Agency Of Dawsonville Llc | 131 PROMINENCE CT STE 110, DAWSONVILLE, GA, 30534 |
| Streets in McCaysville Area | Homeowners Insurance Cost |
|---|---|
| Howard St, Victory Ln, Old Mill Rd, Galloway Cem Rd, Co Rd 146, Milsaps Cir, Long St, Mull Kidge Rd, Velenorth Rd, Station Dr | $875 |
| Hemlock Ln, Mercury Dr, Breeze Way, Bailey Farm Dr, Thunder Rock Dr, Stone Ln, Nacoma Ln, Lake Dunn Rd, Colton Ave, River Dr | $870 |
| Garrett Ln, Rocky Ridge Dr, Kingtown Rd, Millsaps Cir, White Oak Cir, Bridge St, Orange St, Matthew Ln, Mineral Bluff Hwy, Walnut Way | $875 |
| Oak Dr, Jasper Rd, Cardinal Ln, Harper Valley Rd, Grand Central Ave, Mc Cay St, Bailey Farm Ln, Co Rd 107, Azalea Ln, Colton Rd | $870 |
| Briggs St, Goss Rd, Cross Creek Rd, Blackberry Ridge Rd, Queen Rd, la Vista Dr, Panther Ln, Sunset Rd, Midway St, Salem Rd | $873 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| McCaysville | $130 to $132 |
| Epworth | $124 |
| Copperhill | $115 |
| Fannin County | $135 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Copperhill city, Tennessee | $96 | $128 | $192 |
| Fannin County, Georgia | $113 | $150 | $225 |
| Blue Ridge CCD, Fannin County, Georgia | $115 | $153 | $229 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| McCaysville, GA | 7.7% | 24.4% |
| Epworth | 5.51% | 30.51% |
| Copperhill | 8.78% | 22.95% |
| Fannin County | 6.36% | 22.59% |
| Mccaysville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 25 | 5.0% | $372 |
| $200 to $299 | 68 | 14.0% | $822 |
| $300 to $499 | 125 | 26.0% | $1272 |
| $500 to $749 | 96 | 20.0% | $1947 |
| $750 to $999 | 140 | 29.0% | $2697 |
| $1,000 to $1,499 | 16 | 3.0% | $3822 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly McCaysville Homeowner Insurance Premium Example | $1,000 | $800 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,600 | $9,000 |
| Net Savings to McCaysville Home Owner from High Deductible Plan | $600 | |
| Scenario | McCaysville, GA Home Replacement Value MORE than Home Value | McCaysville, GA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $143,000 | $94,500 |
| Insurance Premium based on Replacement Value | $625 | $425 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $23,500 | Risk Exposure from Under Insuring Coverage is $25,000 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $100/year |
| Insurance Company | State Farm | GEICO Insurance | Travelers |
| Monthly Premium | 23 | 61 | 40 |
| Year Built | 1985 | 2000 | 1999 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $75000-$100000 | $200000-$250000 | $125000-$150000 |
| Deductible | $2500-$5000 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2007 | 180,000 | Tile Roof | 2,060 | 3 | $1000-$2500 Deductible | 530 | 7 | Vinyl siding | No |
| 2010 | 275,000 | Asphalt Shingles Roof | 3,010 | 4 | $500 Deductible | 1350 | 10 | Stone Siding | yes |
| 1987 | 150,000 | Tile Roof | 1,610 | 4 | $500 Deductible | 340 | 5 | Wood siding | No |
| 2003 | 175,000 | Metal Roof | 2,320 | 4 | $5000 to $10,000 Deductible | 70 | 1 | Brick siding | No |
| 1994 | 170,000 | Shingles Roof | 2,240 | 3 | $500 Deductible | 700 | 9 | Wood siding | No |
| 1985 | 130,000 | Membrane Roof | 1,870 | 4 | $1000-$2500 Deductible | 610 | 10 | Vinyl siding | No |
| 2002 | 120,000 | Metal Roof | 1,510 | 3 | $2500-$5000 Deductible | 340 | 10 | Brick siding | No |
| 2005 | 255,000 | Metal Roof | 3,120 | 4 | $2500-$5000 Deductible | 560 | 10 | Stone Siding | No |
| 1993 | 280,000 | Shingles Roof | 3,390 | 4 | $1000-$2500 Deductible | 1030 | 10 | Stucco siding | yes |
| 1979 | 145,000 | Metal Roof | 1,680 | 4 | $2500-$5000 Deductible | 250 | 5 | Wood siding | No |
| 1978 | 195,000 | Composition Roof | 2,610 | 4 | $500- $1000 Deductible | 790 | 8 | Wood siding | yes |
| 2012 | 210,000 | Metal Roof | 2,270 | 3 | > $10,000 Deductible | 320 | 12 | Stucco siding | No |
| 2014 | 145,000 | Asphalt Shingles Roof | 2,070 | 3 | $500- $1000 Deductible | 540 | 8 | Stone Siding | yes |
| 1981 | 175,000 | Membrane Roof | 2,330 | 4 | $5000 to $10,000 Deductible | 360 | 7 | Vinyl siding | No |
| 1977 | 145,000 | Composition Roof | 2,230 | 4 | $500 Deductible | 130 | 2 | Vinyl siding | yes |
| 2011 | 215,000 | Asphalt Shingles Roof | 3,120 | 4 | $2500-$5000 Deductible | 140 | 2 | Stucco siding | yes |
| 2005 | 145,000 | Shingles Roof | 1,550 | 3 | $500- $1000 Deductible | 410 | 8 | Wood siding | yes |
| 2007 | 180,000 | Wood Shake Roof | 1,950 | 3 | $5000 to $10,000 Deductible | 150 | 4 | Vinyl siding | yes |
| 2013 | 200,000 | Composition Roof | 2,190 | 3 | $2500-$5000 Deductible | 330 | 5 | Stucco siding | yes |
| 2012 | 175,000 | Shingles Roof | 2,510 | 4 | $1000-$2500 Deductible | 310 | 5 | Stucco siding | No |
| 1986 | 120,000 | Tile Roof | 1,360 | 3 | $500- $1000 Deductible | 30 | 1 | Stucco siding | yes |
| 1992 | 130,000 | Shingles Roof | 1,810 | 3 | $1000-$2500 Deductible | 310 | 7 | Fiber-Cement Siding | No |
| 1985 | 150,000 | Composition Roof | 1,630 | 3 | $500- $1000 Deductible | 470 | 8 | Wood siding | yes |
| 1983 | 135,000 | Asphalt Shingles Roof | 1,520 | 3 | $500- $1000 Deductible | 90 | 2 | Wood siding | yes |
| 2010 | 110,000 | Asphalt Shingles Roof | 1,650 | 3 | $1000-$2500 Deductible | 120 | 3 | Wood siding | yes |
| 1984 | 200,000 | Slate Shingles Roof | 2,310 | 4 | $1000-$2500 Deductible | 60 | 1 | Vinyl siding | yes |
| 2014 | 175,000 | Asphalt Shingles Roof | 1,890 | 3 | $5000 to $10,000 Deductible | 170 | 3 | Wood siding | No |
| 2011 | 165,000 | Shingles Roof | 1,940 | 4 | $500- $1000 Deductible | 700 | 9 | Stucco siding | yes |
| 1971 | 220,000 | Shingles Roof | 2,370 | 3 | $5000 to $10,000 Deductible | 800 | 12 | Fiber-Cement Siding | yes |
| 1990 | 150,000 | Membrane Roof | 1,810 | 4 | $500- $1000 Deductible | 310 | 5 | Brick siding | No |
| 1976 | 125,000 | Asphalt Shingles Roof | 1,370 | 3 | $1000-$2500 Deductible | 180 | 4 | Vinyl siding | yes |
| 1977 | 95,000 | Composition Roof | 1,370 | 3 | $500- $1000 Deductible | 30 | 1 | Brick siding | yes |
| 2014 | 95,000 | Shingles Roof | 1,530 | 3 | $500 Deductible | 410 | 10 | Vinyl siding | No |
| 2012 | 110,000 | Slate Shingles Roof | 1,520 | 3 | $500- $1000 Deductible | 110 | 3 | Fiber-Cement Siding | yes |