Sparta Insurance Rates:

Sparta, GA homeowners insurance is nearly $716 to $983, about $59-$81/month. Our all inclusive guide indicates shoppers can save upto $339 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Sparta, GA Homeowners Insurance By Home Value

Sparta, GA Home Value Total Homes % of Total Average Sparta, GA Homeowners Insurance
Less than $50,000 329 32.0% $297
$50,000 to $59,999 153 14.0% $628
$60,000 to $69,999 44 4.0% $781
$70,000 to $79,999 133 12.0% $899
$80,000 to $89,999 49 4.0% $1018
$90,000 to $99,999 55 5.0% $1146
$100,000 to $124,999 89 8.0% $1324
$150,000 to $174,999 62 6.0% $1961
$175,000 to $199,999 47 4.0% $2258
$250,000 to $299,999 18 1.0% $3319
$300,000 to $399,999 45 4.0% $4219

Top Home Insurance Agents Near Sparta, GA

Home Insurance Company Near Sparta, GA Homeowners Insurance Agency Near Sparta, GA Address
NA Reeves, Roland & Abbott Insurance 2200 A Northside Crossing, Macon, GA, 31210
State Farm B.J. Jordan 5159 Columbia Rd Ste 103, Grovetown, GA, 30813-5895
State Farm Chris Thomas 1011 Stonebridge Pkwy Ste 104, Watkinsville, GA, 30677-6011
Allstate John Davis 3902 Northside Dr Ste B6, Macon, GA, 31210
State Farm Rhett Butler 2500 Lexington Road, Athens, GA, 30605-3509

Cost Of Homeowners Insurance By Street Near Sparta, GA

Streets in Sparta Area Homeowners Insurance Cost
Old Augusta Rd, Clarke Cir, New St, Cobb Rd, Sandersville Hwy, Warrenton Rd, Reese St, Ledbetter Dr, Dunn Rd, Roy Smith Rd$851
Log Cabin Rd, Bethel Church Rd, Martin Luther King Jr St, Elizabeth St, Willow Crest Ln, St Paul's Church Rd, E Hamilton St, Powelton Ave, Oldeatonton Hwy, Jones St$848
Old Milledgeville Hwy, Turner Rd, Gilbert Cir, Poss Rd, Reynolds Rd, Cody Johnson Rd, Gordon St N, Evergreen Rd, Wilson St, Anna Poole Rd$852
Sweet Blossom Ln, Shoal Rd, Co Rd 115, Co Rd 46, Cook Rd, State Rte 16, Hancock St, Jail House Rd, Rock Quarry Rd, Culvert Dr$845
Pumping Station Rd, Youngblood Rd, Dyer Dr, Gaissert Church Rd, Ingram School Rd, Bacon St, Glen Ford Rd, Stem Bridge Pl, Covey Rise Farm Rd, Adams St$853

Sparta, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sparta$126 to $128
Hancock County$127
Mayfield$126
Devereux$132

Sparta, 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
Hancock County, Georgia $106 $141 $212
Mayfield CCD, Hancock County, Georgia $106 $141 $211
Devereux CCD, Hancock County, Georgia $111 $147 $221

Sparta, 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
Sparta, GA8.5%17.7%
Hancock County7.97%17.23%
Mayfield9.04%17.2%
Devereux6.91%17.75%

Sparta Renters Insurance as a Percentage of Rent

Sparta Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 55 12.0% $388
$200 to $299 24 5.0% $838
$300 to $499 55 12.0% $1288
$500 to $749 188 42.0% $1963
$750 to $999 81 18.0% $2713
$1,000 to $1,499 22 4.0% $3838
$1,500 or more 19 4.0% $5488

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

Coverage Construction type Company Premium
$250 Deductible $500 Deductible $1000 Deductible
$75,000 veneer Aig Property Casualty Company $581 $546 $481
$75,000 frame Foremost Property And Casualty Insurance Company $986 $966 $931
$75,000 frame Georgia Farm Bureau Casualty Insurance Company $1054 $931 $672
$300,000 frame Homesite Insurance Company Of Georgia N/A N/A $1781.00
$350,000 veneer Horace Mann Property And Casualty Insurance Company N/A $2289 $2063
$75,000 veneer Lm Insurance Corporation N/A $936 $848
$150,000 frame Praetorian Insurance Company N/A $2198 $1854
$200,000 veneer Preserver Insurance Company N/A $847 $757.00
$100,000 frame Safeco Insurance Company Of Indiana $1577.43 $1463.14 $1325.31
$150,000 veneer Trustgard Insurance Company $1336.00 $1234.00 $1090.00

Sparta, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Sparta Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,900$4,300
Net Savings to Sparta Home Owner from High Deductible Plan $600

Sparta, GA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sparta, GA Home Replacement Value MORE than Home Value Sparta, GA Home Replacement Value LESS than Home Value
Replacement Value $84,500 $57,000
Insurance Premium based on Replacement Value $500 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $11,500 Risk Exposure from Under Insuring Coverage is $16,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Sparta Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualTravelers
Monthly Premium 416384
Year Built 198619701993
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $75000-$100000$150000-$175000$200000-$250000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for Sparta, 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 140,000 Wood Shake Roof 2,050 5 $2500-$5000 Deductible 70 2 Brick siding yes
1971 135,000 Slate Shingles Roof 2,250 4 $500 Deductible 410 9 Brick siding yes
2007 80,000 Membrane Roof 1,720 5 $2500-$5000 Deductible 130 5 Vinyl siding No
2001 180,000 Metal Roof 2,730 5 $500 Deductible 480 6 Stucco siding No
1986 80,000 Composition Roof 1,330 3 $1000-$2500 Deductible 170 9 Fiber-Cement Siding yes
1947 270,000 Membrane Roof 4,000 5 $500- $1000 Deductible 990 10 Vinyl siding yes
1949 110,000 Slate Shingles Roof 1,850 4 $500 Deductible 30 1 Stucco siding No
2002 125,000 Composition Roof 2,320 5 $500- $1000 Deductible 400 10 Wood siding No
1998 100,000 Composition Roof 1,850 3 $500 Deductible 610 12 Fiber-Cement Siding yes
1978 260,000 Asphalt Shingles Roof 4,410 5 > $10,000 Deductible 120 3 Stone Siding yes
1981 80,000 Slate Shingles Roof 1,660 5 $2500-$5000 Deductible 90 3 Stone Siding yes
2007 145,000 Wood Shake Roof 2,720 4 $2500-$5000 Deductible 540 9 Stone Siding No
1992 110,000 Shingles Roof 2,360 5 $2500-$5000 Deductible 430 12 Stucco siding yes
1974 70,000 Slate Shingles Roof 1,410 3 $500 Deductible 320 9 Fiber-Cement Siding yes
1988 290,000 Shingles Roof 4,730 5 $500 Deductible 670 7 Brick siding No
1987 85,000 Slate Shingles Roof 1,580 5 $1000-$2500 Deductible 30 1 Stucco siding No
2009 110,000 Shingles Roof 1,770 3 $500- $1000 Deductible 290 9 Fiber-Cement Siding yes
1980 140,000 Asphalt Shingles Roof 2,090 3 $500 Deductible 80 1 Vinyl siding yes
2002 115,000 Slate Shingles Roof 2,310 5 $500- $1000 Deductible 250 4 Vinyl siding No
1978 110,000 Wood Shake Roof 1,860 3 $1000-$2500 Deductible 110 3 Stone Siding yes
1972 260,000 Composition Roof 4,780 5 $1000-$2500 Deductible 710 8 Wood siding No
2009 150,000 Metal Roof 2,170 5 $500- $1000 Deductible 110 2 Stucco siding yes
1981 180,000 Slate Shingles Roof 3,210 4 $2500-$5000 Deductible 110 2 Vinyl siding No
1943 95,000 Metal Roof 1,570 3 $1000-$2500 Deductible 160 6 Brick siding yes
2001 75,000 Tile Roof 1,520 3 $500 Deductible 50 2 Brick siding yes
1997 125,000 Slate Shingles Roof 2,260 3 $2500-$5000 Deductible 70 2 Fiber-Cement Siding No
1941 100,000 Membrane Roof 2,010 3 $500 Deductible 200 5 Stone Siding yes
2004 100,000 Slate Shingles Roof 1,550 3 $1000-$2500 Deductible 30 1 Fiber-Cement Siding No
1984 225,000 Membrane Roof 3,300 4 $5000 to $10,000 Deductible 170 3 Stucco siding No
1972 105,000 Wood Shake Roof 2,210 4 $2500-$5000 Deductible 30 1 Vinyl siding yes