Atl Insurance Agency
5014 Stone Mountain Hwy, Suite A, Lilburn, GA 30047
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Lilburn households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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5014 Stone Mountain Hwy, Suite A, Lilburn, GA 30047
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620 Hillcrest Road, Suite 300, Lilburn, GA 30047
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650 Hillcrest Rd NW, Suite 500, Lilburn, GA 30047
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Learn about insurance coverage options specific to Lilburn residents.
Lilburn home insurance averages $2,004-$2,869/year. Learn how to protect against severe storms, tornadoes, and flooding while saving money on coverage.
Complete insurance guide for Lilburn residents. Learn about GA's minimum coverage, Atlanta metro rates, flood zones, and severe weather protection.
Car InsuranceLilburn drivers pay $1,592/year for car insurance. Learn about Georgia's 25/50/25 requirements, metro Atlanta rates, and how to save on coverage.
Georgia homeowners typically pay between $2,004 and $2,869 annually for home insurance with $300,000 in dwelling coverage. Your actual cost in Lilburn depends on your home's age, condition, claims history, credit score, and chosen coverage levels. Some insurers like Progressive offer rates as low as $1,361 per year in Georgia, while others charge significantly more for similar coverage.
Yes, standard homeowners insurance in Georgia covers wind and hail damage from tornadoes and severe thunderstorms. However, many insurers use percentage-based deductibles for wind and hail claims, meaning you might pay 1% to 2% of your home's insured value out of pocket before coverage kicks in. Flood damage requires separate flood insurance, which isn't included in standard policies.
While not required unless you're in a high-risk flood zone with a mortgage, flood insurance is worth considering for Lilburn homeowners. The area experiences flash flooding during severe storms, and standard homeowners policies don't cover flood damage. If you're not in a high-risk zone, flood insurance typically costs $400 to $600 annually—a small price for significant protection.
Georgia home insurance rates have jumped 36% since 2019, with a 12% increase in the past year alone. These increases stem from multiple factors: rising construction costs, inflation, more frequent and severe storms, higher material and labor expenses, and major weather events causing significant claims payouts. Despite these increases, Georgia rates remain below or near the national average.
Replacement cost coverage pays to replace damaged items with new ones at current prices, while actual cash value coverage subtracts depreciation from the payout. For example, if your five-year-old roof is damaged, replacement cost covers a brand new roof, while actual cash value pays only what that used five-year-old roof was worth. Replacement cost coverage costs more but provides significantly better protection.
Several strategies can reduce your premium: bundle home and auto insurance for 15% to 25% discounts, raise your deductible from $1,000 to $2,500, install security systems and impact-resistant roofing, maintain good credit, and shop around for quotes from multiple insurers. Even simple upgrades like smoke detectors and fire extinguishers can earn discounts with some companies.
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