Athens, GA Homeowners Insurance Rate Quotes!

Are you looking for affordable home insurance rates in Athens, GA? Although price is a common factor for Athens homeowners when it comes to looking for a new homeowners policy, we also strive to help you find dependable coverage for your home and family. It's important to make sure your homeowners insurance provides the protection you need for home related damages due to home fires, theft, loss or weather damage. Not a bad deal for only around $86 a month! Better coverage options doesn't always have to be expensive, that is why we like to work with you to apply all the following home insurance discounts when comparing companies and the cost of each policy. You may not realize that there are additional discounts available other than the common smoke detectors, burglar alarm (security), and deadbolts. All of these possible discount items can help you save up to 40% or more on your homeowners insurance policy. Call 855-976-2656 or get quotes online and let our local Athens home insurance agent help you today!

Facts About Athens, GA

There are 160,862 people that happily call the great city of Athens home. Did you know, there are 6,864 housing units in town, making the average owner occupied household size roughly 2?

The average household income in Athens is around $24,193. One more great fact about Athens is the average cost of a house, which is $98,989 so housing is very affordable.

Average Athens Home Insurance Rates

Athens homeowners have the advantage of finding very affordable home insurance rates when you compare quotes from different companies. For a basis HO-3 homeowners insurance policy, you can find rates as low as $785 per year, this would cover a home around 1,500 square feet. Higher-end homes with much larger square footage size will cost more around $1,335 per year. Most of the time, your home insurance cost is due to the replacement cost value or dwelling coverage needed to rebuild your home.

You may not know that home insurance in Athens comes in a variety of types. The following types are just a few of the specific homeowners insurance types that are available:

• HO-3: An HO-3 home insurance policy is the most common policy being sold and most likely the one you already have or will be getting when you purchase your new home. It will cover damages from everything except the perils that are excluded in the policy. Flood and earthquake damage are always excluded on a HO-3 policy. If your home is required to have a flood or earthquake policy, you will need to purchase a separate policy for this additional coverage.
• HO-8: If you own an older home or looking to purchase one, the HO-8 policy is the correct coverage type for you. This type of policy is specially designed for older home and pays out on an actual cash value which means depreciation is subtracted from the replacement costs. Because the cost of original building materials, and fixing issues such as ancient wiring can be extremely expensive, a standard HO-3 policy may not be available for older homes.
• H0-4: This is more commonly referred to as renter's insurance and offers protection for all of the personal property that you keep in your apartment. A renter's policy also offers liability insurance, which will cover the medical costs if a person is injured in your apartment. Renters insurance is extremely affordable and if you live in an apartment you should absolutely have this coverage.

Compare Homeowners Insurance Rates in Athens, GA!

Enter your Zip Code:     Get up to 12 competitive Athens, GA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Athens, GA rates all in one place!

Our Quoting Service in Athens

We have been working with the top rated ("A+" A.M.) Georgia home insurance carriers for years and we can help you find the best coverage at an affordable price for your home in Athens, GA.

It’s important when shopping for insurance to work with carriers that are dependable and financially secure. Our top-rated carriers include Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the Georgia Underwriting Association

Compare and Save on Georgia Homeowners Insurance Today!

Average Rates Nearby Athens

Are you looking for homeowners insurance in a city near Athens? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

• Winterville, GA Home Insurance Quotes

Home Insurance Rates by Zipcode in Athens, GA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Athens.

30601,     30602,     30605,     30606,     30607,     30609,     

Homeowners insurance will help cover the cost to repair or replace your Athens home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

• Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Athens
• Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
• Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
• Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
• Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Saving Money Tips on Athens Home Insurance

A great way to save money on Athens homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

• Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
• Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
• Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
• Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Athens area? Check out what homeowners are paying on average for Georgia homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Athens, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Clarke County.

• Homeowners Prepare for Rate Increases Later This Year Posted on Monday 27th June, 2022

  In most states, home insurance rates are headed up this year and homeowners should be prepared for further rate increases before the end of the year. According to a recent S&P Global Market Intelligence report, over 177 insurance carriers have filed requests for rate increases in 43 states, Arizona alone has seen 34 rate increase requests. […]

• Hurricane Isaias is on the same track as Hurricane Dorian – What can we expect? Posted on Wednesday 5th August, 2020

  Hurricane Isaias is on roughly the same track as Hurricane Dorian and is the first hurricane to hit the Bahamas since Dorian stalled over the islands as a Category 5 monster killing dozens of people and causing massive destruction.  Here is a quick overview of both storms as well as a few tips on how […]

• Georgia Coastal Home Insurance Coverage & Rates Posted on Wednesday 2nd October, 2019

  Windstorm insurance is not a required coverage in Georgia, but if you live on the coast, it is certainly an insurance you should consider. In many coastal areas your mortgage lender will require that you carry a windstorm policy to make sure your home (and their investment) is full protected. Windstorm policies are designed to […]

• Coastal Homeowners in Denial: FEMA urges homeowners to buy flood insurance Posted on Monday 23rd September, 2019

  Congress is getting ready to send President Donald Trump the thirteenth 60-day extension of the National Flood Insurance Program (NFIP) as the current one expires at the end of September. The NFIP has been in serious financial trouble for years but Congress has been unable to agree on how to fix the ailing program.  The […]

• Thousands of Homeowners in the path of Hurricane Dorian Cancelled Their Flood Insurance Posted on Wednesday 11th September, 2019

  According to a recent analysis by E&E News of government data, tens of thousands of homeowners who were in the path of Hurricane Dorian dropped their flood insurance in recent years. The analysis found that both homeowners and owners of commercial buildings have been giving up their flood insurance policies despite the fact that their […]