Benefield And Tabb Insurance Agency
2435 Wall St SE, Suite 102, Conyers, GA 30013
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2435 Wall St SE, Suite 102, Conyers, GA 30013
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1354 Iris Dr SW, Conyers, GA 30094
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978 Green St, Suite B, Conyers, GA 30012
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978 Green St SW, Ste B, Conyers, GA 30012
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951 Railroad Street NW, Conyers, GA 30012
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976 E Freeway Drive, Suite B, Conyers, GA 30094
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976 E Freeway Dr SE, Suite B, Conyers, GA 30094
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1229 Royal Dr SW, Suite A, Conyers, GA 30094
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2066 Eastside Drive, #C100, Conyers, GA 30013
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2280 Salem Rd SE, #103, Conyers, GA 30013
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Learn about insurance coverage options specific to Conyers residents.
Conyers home insurance averages $2,004/year. Learn about tornado risks, equestrian coverage, and why rates jumped 36% since 2019. Get the right protection.
Car InsuranceConyers drivers pay $107-$132/month for auto insurance. Learn about Georgia's 25/50/25 minimums, I-20 commuter risks, and how to save on coverage.
Car InsuranceConyers drivers pay $2,060/year for car insurance. Learn how your I-20 Atlanta commute affects rates and where to find the cheapest coverage in 2025.
General Insurance EducationComplete insurance guide for Conyers, GA residents covering auto requirements, home rates, and Rockdale County factors. Get the coverage you need in 2025.
Yes, standard homeowners insurance policies cover tornado damage to your home and belongings. However, you need to pay attention to your wind/hail deductible, which may be higher than your standard deductible. Some Georgia insurers use percentage-based wind deductibles (1-5% of dwelling coverage) rather than flat dollar amounts, which can mean thousands in out-of-pocket costs after a tornado.
The average homeowners insurance premium in Georgia is around $2,004 per year for standard coverage, though rates in Conyers can vary significantly based on your home's value, age, construction type, and your credit score. Homeowners with excellent credit pay around $1,607 annually, while those with poor credit can pay over $10,000 for the same coverage. Getting quotes from multiple insurers is essential since rates can differ by nearly $2,000 per year between carriers.
Yes, absolutely. Standard homeowners policies typically exclude liability coverage for equine-related injuries and don't cover commercial equestrian activities like boarding, training, or breeding. Personal horse owner liability coverage starts around $40 per horse and provides up to $1 million in coverage. If you run any kind of equine business, you need commercial equine liability insurance and potentially a farm or ranch policy that covers your barns, equipment, and operations.
Georgia home insurance rates increased 11.9% in 2024 and have jumped 36% since 2019. The main drivers are increased construction costs (making homes more expensive to rebuild), more frequent and severe weather events causing higher claim volumes, and insurers adjusting their risk models based on actual losses. Your individual rate can also increase if you filed a claim—even one claim can raise your premium by $395 per year.
Replacement cost coverage pays to rebuild or replace your damaged property with new materials at today's prices, without deducting for depreciation. Actual cash value coverage pays the depreciated value of your property—what it was worth at the time of loss, accounting for age and wear. Replacement cost costs more but ensures you can actually afford to rebuild your home or replace your belongings after a major loss like tornado damage.
Not necessarily. Filing even one claim can increase your premium by $395 annually for several years. If your damage costs only slightly more than your deductible, you might pay more in increased premiums over time than you'd receive from the claim. Consider paying out of pocket for repairs under $5,000 unless you have a very low deductible, and reserve insurance for major losses that you can't afford to cover yourself.
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