Gallagher & White Insurance Advisors
1733 Mount Vernon Rd, Ste 110, Dunwoody, GA 30338
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Dunwoody households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1733 Mount Vernon Rd, Ste 110, Dunwoody, GA 30338
View this agency's profile to learn more about their services.
1567 Mount Vernon Rd, Suite 200 (office often listed as Suite 204 in some sources), Dunwoody, GA 30338
View this agency's profile to learn more about their services.
1567 Mount Vernon Rd, Suite 200, Dunwoody, GA 30338
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Dunwoody residents.
Dunwoody home insurance averages $2,258/year in Georgia, but high property values mean you need more. Get coverage tips for weather risks & flooding.
General Insurance EducationComplete insurance guide for Dunwoody, Georgia. Compare homeowners, auto, flood, and business insurance rates. Tips for Perimeter Center area.
Car InsuranceDunwoody drivers average $177/month for auto insurance. Learn why Georgia's 25/50/25 minimums aren't enough at I-285 & GA-400, plus how to save.
While Georgia's average home insurance premium is $2,258 annually, Dunwoody homeowners typically pay more due to higher property values. With median home prices around $622,000, you'll need substantially more dwelling coverage than the state average. Expect rates to vary significantly based on your home's age, construction, coverage limits, and chosen deductible—shopping multiple insurers can reveal hundreds of dollars in potential savings.
If your home is near Nancy Creek or other waterways, flood insurance is essential. Standard homeowners policies exclude all flood damage, and Dunwoody has experienced flash flooding during severe weather. Check DeKalb County's flood maps to see if you're in a high-risk zone—even if your lender doesn't require flood coverage, the relatively low cost compared to potential damage makes it worth considering.
Dunwoody faces severe thunderstorms with 60 mph winds, ice storms that damage power lines and trees, flash flooding near creeks, and occasional hail. Your standard policy covers wind, hail, and lightning damage, but you'll need separate flood insurance for water damage. The area's mature trees add beauty but also increase the risk of storm damage to roofs and structures.
Georgia doesn't legally mandate homeowners insurance, but mortgage lenders require it as a condition of your loan. If you own your Dunwoody home outright, you're not legally obligated to carry coverage—but protecting a property worth $600,000 or more without insurance is financially risky. Most financial experts strongly recommend maintaining coverage regardless of legal requirements.
Your dwelling coverage should reflect your home's full replacement cost—what it would cost to rebuild from scratch at current construction prices, not your purchase price or market value. Industry standards recommend insuring for at least 80% of replacement cost, but 100% is safer to avoid being underinsured. For Dunwoody's higher-value homes, this often means coverage well above $500,000.
Most insurers offer discounts for bundling home and auto policies, installing security or smart home systems, having a newer roof or updated electrical/plumbing, being claims-free for 3-5 years, and maintaining good credit. These discounts can reduce your premium by 20-30%. Ask every insurer you quote with about available discounts specific to your home's features and your personal situation.
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