Top 5 Home Insurance Companies in Thomas County, GA
Check out the most popular Home Insurance agencies & companies in Thomas County, GA & compare the best quotes from them.
Discounts Available on Homeowners Insurance in Thomas County, GA
The average cost of homeowners insurance in Thomas County, GA, is $867.84. Home insurance may seem excessive and frivolous to most homeowners, but it can come in handy when things are very bad. Home insurance protects your house as a safety net against various natural catastrophes and accidents, such as fire, vandalism, theft, and floods.
To find the best homeowner insurance in Thomas County, Georgia, homeowners must examine all insurance policies, discounts, and rates offered by insurance companies. Different insurance companies may have different terms for their policies. Here are some suggestions to help you locate the proper insurance at the lowest cost in Thomas County, Georgia.
Factors Affecting Home Insurance in Thomas County, GA :
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by the age of the home
4. Homeowners insurance rates by the safety features
Homeowners Insurance Thomas County, GA - Rates by Coverage Level
Homeowners insurance rates in Thomas County, GA, are largely determined by the coverage the policyholder purchases. The more coverage the policyholder has, the higher the premium will be. A number of factors go into how much coverage a policyholder needs, including the value of the home, the number of personal belongings, and the likelihood of natural disasters. For instance, in Thomas County, Georgia homeowners who choose $300K in coverage pay $2674 for their home insurance.
Homeowners Insurance Thomas County, GA - Rates by Deductibles
The deductible is the amount of money you must pay out of pocket before your insurance company starts paying for damages. The higher the deductible, the lower your monthly premiums will be. However, you need to make sure you can afford the deductible if you ever need to make a claim. If you can't afford the deductible, you're not getting the full benefit of having insurance. Some companies offer discounts if you have a higher deductible. For instance, in Thomas County, Georgia, residents who select a $2500 deductible pay $624 for their homeowner's insurance. Homeowners who chose a $500 deductible for their homeowner's insurance in Thomas County, Georgia, pay $858.
Homeowners Insurance Thomas County, GA - Rates by the Age of the Home
Homeowners insurance rates in Thomas County, GA, are determined by the age of the home. Older homes are typically more expensive to insure than newer homes. This is because older homes are more likely to have problems, such as structural issues, that can lead to a claim. For example, a home that is 30 years old will typically have a higher premium than a home that is ten years old. For instance, in Thomas County, Georgia, residences that are 40 years old pay a premium of $891, while newly built properties pay $650.88.
Homeowners Insurance Thomas County, GA - Rates by the Safety Features
One way to save on homeowners insurance is to install safety features in your home. Having a fire alarm, security system, or deadbolt locks can help to lower your rates. Insurance companies view these features as a way to reduce the risk of theft or damage to your home, and they are often willing to offer discounts for them. For instance, in Thomas County, Georgia, households with fire extinguishers pay $790 for home insurance.
Top Home Insurance Companies in Thomas County, GA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 26.7% |
| Erie | A+ | 8.02% |
| Travelers | A++ | 5.87% |
| Liberty Mutual | A | 5.75% |
| Nationwide | A+ | 3% |
Top Erie Home Insurance Agents in Thomas County, GA
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Cornerstone Insurance Associates Inc | 816 1st Avenue SE 31768-4867 |
229-985-1936 | |
| Paree Insurance Centers | 3520 THOMASVILLE RD STE 500 www.pareeinsurance.com 32309 |
(850) 656-3747 | |
| Formea Insurance Group Inc | 348 W Base St www.formeainsurance.com 32340 |
(850) 973-8341 | |
| Michael J Mccartin | 313 North Monroe Street Suite 102 32301 |
(850) 778-4000 | |
| Paree Insurance Centers | 1113 E TENNESSEE ST STE 200 www.pareeinsurance.com 32308 |
(850) 681-2996 | |
| Paree Insurance Centers | 209 PINEWOOD DR 32303 |
(850) 681-0433 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Terry Tyner Cpcu | 1725 E Mahan Dr 32308 |
||
| Elizabeth Gillman | 923 W Jefferson St 32351 |
(850) 875-1987 | |
| Tiffany Princing | 32 1St Ave Ne 39828 |
||
| William Papa | 113 S Monroe St 32301 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Musso Insurance Agency | 1410 PIEDMONT DR E 2ND FL www.mussoinsurance.com 32308 |
(850) 894-2333 Email:service@mussoinsurance.com |
|
| The Flood Group Llc | 2367 Centerville Rd 1St Floor www.thefloodgroup.com 32308 |
Email:terry@thefloodgroup.com |
|
| Florida Best Quote | 127 E Washington St www.floridabestquote.com 31792 |
(229) 558-9803 Email:JEANETTE@FLORIDABESTQUOTE.COM |
|
| Lee Ins Agcy | PO BOX 5 31765 |
229-683-3222 | |
| Bell Insurance | PO Box 8075 39818-8075 |
229-246-0442 | |
| G & G Grimm Insurance Agency | 802 Central Ave N 31794 |
(229) 382-2696 | |
| Parent Prakop & Assoc Ins Agy | 1117 THOMASVILLE RD www.parentprakopins.com 32303 |
850-386-1111 Email:ann@parentprakopins.com |
|
| Wm Bragaw & Co | 838 E Pinetree Blvd www.bragawco.com 31792 |
Email:info@bragawco.com |
|
| Creekside Insurance Agency | 378 E Base Street www.creeksideinsurance.com 32340-2407 |
850-973-6641 | |
| Lee Ins Agcy Inc | 32 1ST AVE NE 39828 |
229-377-1901 Email:leeins@verizon.net |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Touchstone Insurance Group L.L.C. | 1020 W Washington St 32344 |
||
| Karen Bortnick Agency | 100 W 5TH STREET 31620 |
229-896-4024 | |
| William George Yates | 325 W College Ave 32301 |
||
| Kimberly Skala Agency | 3606 MACLAY BLVD S 32312 |
850-385-3636 | |
| Brent F Johnson | 401 Park Ave 31791-1827 |
229-776-6906 | |
| Brooke Adams Agency | 1106 Gornto Rd 31602-1212 |
229-242-0855 | |
| Kimberly Skala Agency | 232 EAST 5TH AVE 32303 |
850-385-8811 | |
| Melody L Whipple | 210 W 6th St 31794 |
(229) 386-8210 | |
| Parente Agency Inc | 1230 N ADAMS ST 32303 |
(850) 878-5600 | |
| Melody L Whipple | 311 12th St West Suite 1 31794 |
(229) 382-0052 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Lee Ingrim | 4645 HWY 19 www.leeingrim.com 31730 |
229-336-8150 | |
| Karen Boone | 100 W MAIN ST www.kareninsuresme.com 31632 |
229-794-1161 | |
| Dwain Schuette | 2742 Capital Cir NE www.dwainschuette.com 32308 |
(850) 893-1234 | |
| Karen Flynn | 501 S MAIN ST 31768 |
229-985-6666 | |
| Gary Hernandez | 2910 N Ashley St Ste A www.hernandezagency.com 31602 |
(229) 245-7120 | |
| Karen Fike | 593 SOUTH MAIN STREET www.karenfike.com 31768 |
229-985-1415 | |
| Fred Velez | 223 S Sims St 39817 |
(229) 246-5858 | |
| Eric Felth | 1415 Timberlane Rd Ste 207 www.ericfelth.com 32312 |
(850) 668-2468 | |
| Karen Channell | 3964 OLD US HWY 41 NORTH www.karenchannell.com 31602 |
229-242-5377 | |
| Kimberly Stephens | 1117 THOMASVILLE RD www.kimberlystephens.net 32303 |
850-386-1111 |
| Nationwide | State Farm | Travelers | |
| Median Home Value ($) | 118,260 | 128,260 | 138,260 |
| Construction year | 1975 | 1949 | 1982 |
| Home Coverage ($) | $125000-$150000 | $100000-$125000 | $100000-$125000 |
| Total Premium ($) | $1307 | $1309 | $1129 |
Thomas County, GA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 17% |
| Liberty Mutual | upto 17% |
| Travelers | upto 5% |
| Nationwide | upto 8% |