Cameron & Roberts Insurance Agency, Inc.
6893 Main St, Lithonia, GA 30058
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Lithonia households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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6893 Main St, Lithonia, GA 30058
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7079 Hayden Quarry Road, Lithonia, GA 30038
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4756 Thompson Mill Rd, Lithonia, GA 30038
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Learn about insurance coverage options specific to Lithonia residents.
Lithonia home insurance averages $2,004-$2,286/year. Get coverage for Georgia's severe thunderstorms, hail, and tornadoes. Compare rates and save today.
Car InsuranceLithonia drivers pay $145/month for auto insurance. Learn about Georgia's 25/50/25 requirements, DeKalb County rates, and coverage options for 2026.
Georgia homeowners typically pay between $2,004 and $2,286 annually for home insurance with $300,000 in dwelling coverage, averaging $167 to $190 per month. Your specific rate in Lithonia depends on your home's age, your credit score, claims history, and proximity to fire stations. Rates in Georgia have increased 36% since 2019 due to increased severe weather and rising construction costs.
Yes, standard homeowners insurance policies in Georgia cover hail damage to your roof, siding, and other structures. Since Lithonia has experienced hail 33 times in recent years according to radar detection, this coverage is essential. Your policy will pay to repair or replace damaged roofing and siding, minus your deductible, which typically ranges from $1,000 to $2,500.
Flood insurance is not included in standard home insurance policies, even though Lithonia experiences severe storms with heavy rainfall. If water enters your home from outside during a storm, that's considered flood damage, not storm damage. Given the area's 20 severe weather warnings in the past year, flood insurance through the National Flood Insurance Program deserves serious consideration, especially if you're in a low-lying area.
Lithonia experiences severe thunderstorms, hail, tornadoes, damaging winds, and ice storms throughout the year. The area has been under severe weather warnings 20 times in the past 12 months. In March 2025, DeKalb County opened severe weather centers due to a major storm system threatening tornadoes, damaging winds, and hail. Winter ice storms can cause extended power outages and burst pipes in homes.
Shop around and compare quotes from multiple insurers—Auto-Owners offers the lowest Georgia rates at $1,640 annually. Consider raising your deductible from $1,000 to $2,500, bundle your home and auto policies, and install security systems or make home improvements like updating your roof. Improving your credit score can also reduce your premium since Georgia insurers use credit-based insurance scores for rating.
Standard policies cover dwelling damage from severe weather including thunderstorms, hail, wind, fire, and tornadoes. Personal property coverage protects your belongings, and liability coverage defends you if someone is injured on your property. However, flood damage requires a separate policy, and you should verify your dwelling coverage amount reflects current reconstruction costs, not your original purchase price.
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