Lawrenceville Homeowners Insurance

Your Complete Guide to Lawrenceville, GA, Homeowners Insurance

How to find a professional adviser in town.

Lawrenceville Georgia homeowners insurance

Lawrenceville, GA, is home to agriculture and businesses. This farm town caters to the community while preserving its historical roots. 

If you own a property in this 29,873 populated place, you'll need homeowners insurance. Fortunately, an independent insurance agent can find you the best coverage for an affordable price. Connect with a local adviser to begin your search today. 

How Burglary Affects Your Home Insurance Premiums in Lawrenceville, GA

You may not be aware that local crime plays a part in setting your home insurance premiums. When you live in a city with a lot of criminal activity, you will be surcharged to make up for future losses. An independent agent can help you navigate the costs. Let's look at the numbers:

  • Number of burglaries per 100,000 households in the US: 376
  • Number of burglaries per 100,000 households in GA: 431.3
  • Number of burglaries per 100,000 households in Lawrenceville: 516.3

If you live in Lawrenceville, you may see the effects of a higher crime rate. Your agent can help you keep costs low with several different methods, one of which is bundling. When you bundle your home and auto insurance, you can save big. Speak with a Lawrenceville independent agent to get the lowest price on your coverage. 

Natural Disasters and the Impact It Has on Your Lawrenceville Home Insurance Costs

Did you know that there have been more than 1,773,172,000 home-related claims paid out in Georgia in 2016? One of those losses could be yours, and the best way to protect yourself is to get the right policy. An agent can help you find which plan is best for you. 

Top five risks for Georgia:

  1. Severe storms and lightning
  2. Tornadoes
  3. Burglary and other property claims
  4. Wildfires and residential fires
  5. Flooding and water damage

Your home insurance should protect against all of the local catastrophes, excluding flood. Flood damage is a separate policy that needs to be purchased.

Flood insurance explained:

If you think your homeowners policy has coverage for flood damage, it doesn't. While your primary home insurance will protect against a lot of natural disasters, flooding is excluded. To have proper protection, speak with an independent agent on flood insurance quotes before it's too late.

What Your Home's Liability Coverage Could Be Missing in Lawrenceville, GA

Your liability coverage will protect members of your household from a lawsuit. Some common claims arise out of the following instances:

  • Bodily injury to another person on your property
  • A dog bite injury to another party
  • Damage to another person's property

Unfortunately, most insured's won't have enough coverage if one of these losses gets substantial. Most of the time, the liability limits set don't cover the value of your assets. Another way to add a layer of protection is with an umbrella policy. 

Umbrella insurance explained:

Umbrella insurance will provide additional liability coverage when your underlying home policy limits have been exhausted. This can happen quite quickly. Be sure to connect with a Lawrenceville independent agent to get the right coverage. 

How to Save Big on Your Lawrenceville, GA, Homeowners Insurance

A variety of factors sets your home insurance rates. Fortunately, an independent agent can help you save big on premiums. In the meantime, you should be aware of the averages:

  • National average home premium: $1,211
  • Georgia average home premium: $1,267

There are several things you can do to lower your insurance costs. While some factors may be outside of your control, others are not. Check out a few items that will get you started:

  • Your credit score: You can build good credit, which will give you a better premium.
  • Coverage selected: The coverage you choose can help lower your premiums if you know where to bundle. 
  • Carrier discounts: There are discounts carriers offer that your independent agent can show you.

For the quickest way to save, talk with a local professional. An agent has price-lowering techniques to help you stay within budget. Contact a Lawrenceville independent agent to review. 

How to Find an Independent Insurance Agent in Lawrenceville, GA

An independent insurance agent works on your behalf for free so that you can relax. When you use an independent agent to do the shopping for you, it saves time and money. 

An independent agent has access to several markets, giving you the best options on price and coverage. Connect with a local expert on TrustedChoice.com to begin. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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