Newnan, GA Home Insurance Quotes!

If you move to Newnan, GA, you will join the already 33,039 people that call this beautiful town home. Families in Newnan have an average of 3 people and they live in one of the 15,425 housing units that line the streets of Newnan.

In our fair city, the majority of households are earning about $74,325, which is the median income in Newnan. One of the very best things about calling Newnan home is the fact that you can buy a house for the average price of $204,350, which makes it a very affordable community.

Newnan, GA Housing Information

It may not be a surprise to local residents that Newnan, GA has now reached over 33,039 in population size with 12439 homes within the city of Newnan. The average family household size in Newnan is reported to be around 8393. With population density increasing in Newnan, it's important to make sure your home has the homeowners insurance coverage and protection you need for your family. Please learn more about our home insurance discounts to discover how you can save additional money on your home insurance premium to help make it more affordable for you. When you request free Newnan home insurance quotes from us, we will work with you to compare every possible carrier, coverage and discount available.

How much does home insurance cost in Newnan?

Once you have purchased a home, you will need to protect it with a homeowners policy. Lucky for you, Newnan is a very affordable town with an average homeowners insurance premium of $755 per year compared to the city average of $1,005/yr. Newnan homeowners in more expensive homes with a heated square footage of more than 2,500 sq. ft. are paying around $1,305 a year because the dwelling coverage is more expensive to replace.

Coverage Guide for Newnan Homeowners

One thing to consider when buying home insurance is the type of policy you need. There are different policy types that are each designed for the specific type of home that you may own. For example do you own or rent the home? Is the home a single family home, duplex or condo? These are all imporant questions that change the coverage level of the policy you may need to get the right coverage. Here is a brief description of each of the different homeowner policy types that are available to you:

• Homeowners 3 (HO-3): The most common of all homeowner insurance types is the HO-3 policy. The majority of homeowners in Newnan are most likely carrying this policy type. It protects your home against every peril except ones that are excluded specifically in the policy.
  It should be noted that all HO-3 policies exclude earthquake and flooding damage.
• Homeowners 4 (HO-4): You probably know this policy type by its more familiar name, “renters insurance.” This will cover the personal property in the apartment as well as offering liability coverage for you in the event that some trips and fall or is otherwise injured in your apartment.
• Homeowners 5 (HO-5): This policy type is an upgraded HO-3. While more expensive than an HO-3 policy it also offers more coverage. These policies are not available on all homes, they are usually reserved for newer houses that fall in higher price brackets.

One of the major differences with this policy type is that your personal property is covered by all perils that are not named as exclusions. An HO-3 policy on the other hand only protects your personal property against a certain list of perils.

The majority of these policies also offer replacement value as standard coverage on personal property compared to fair market value which takes deprecation into account when calculating the value of your damaged or destroyed property.

Compare Homeowners Insurance Rates in Newnan, GA!

Our Quoting Service in Newnan

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 Newnan, 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 Newnan

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

• Grantville, GA Home Insurance Quotes
• Moreland, GA Home Insurance Quotes
• Sargent, GA Home Insurance Quotes
• Senoia, GA Home Insurance Quotes
• Sharpsburg, GA Home Insurance Quotes
• Turin, GA Home Insurance Quotes

Home Insurance Rates by Zipcode in Newnan, GA

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

30263,     30265,     

Homeowners insurance will help cover the cost to repair or replace your Newnan 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 Newnan
• 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 Newnan Home Insurance

A great way to save money on Newnan 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 Newnan 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 Newnan, 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 Coweta 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 […]