Birdsong Agency Inc
1379 Scenic Highway, Snellville, GA 30078
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Snellville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1379 Scenic Highway, Snellville, GA 30078
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2330 Scenic Hwy S, Suite 911, Snellville, GA 30078
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2386 Clower Street SW, Suite C212, Snellville, GA 30078
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2330 Scenic Hwy S, Suite 910, Snellville, GA 30078
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2330 Scenic Hwy S, ste 1018, Snellville, GA 30078
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2154 North Rd SW, Snellville, GA 30078
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Learn about insurance coverage options specific to Snellville residents.
Get expert guidance on auto, home, and flood insurance in Snellville, Georgia. Local rates, coverage requirements, and tips for Gwinnett County residents.
Home InsuranceSnellville home insurance costs $772-$1,046/year, below Georgia's average. Learn about storm risks, flood coverage, and discounts for Gwinnett County homes.
Car InsuranceSnellville auto insurance costs $20/month more than GA average. Learn about 25/50/25 minimums, US-78 safety concerns, and why 18% uninsured drivers matter.
Full coverage auto insurance in Gwinnett County typically costs between $1,620 and $2,739 annually, depending on your driving record, credit score, and coverage limits. Snellville residents pay on the higher end of Georgia averages due to increased traffic density in the Atlanta metro area. Shopping around with local agencies can save you hundreds of dollars while providing better coverage options.
While not required unless you're in a high-risk flood zone with a federally backed mortgage, flood insurance is increasingly important in Georgia. The state experienced $1.3 billion in flood damage in 2023, and flooding is becoming more common due to heavy rains and development. Standard homeowners insurance doesn't cover flood damage, so you need a separate policy through NFIP or a private insurer.
Georgia requires 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. However, these minimums are outdated and won't adequately protect you in serious accidents. Most experts recommend at least 100/300/100 coverage to avoid financial disaster.
Snellville homeowners pay approximately $762 to $1,035 annually compared to Georgia's average of $2,302. This lower cost likely reflects the area's specific risk profile, including lower crime rates, distance from coastal hurricane risks, and local building standards. However, rates have still increased significantly due to statewide weather events and rising construction costs.
Standard homeowners insurance policies cover damage from tornadoes, including high winds and hail. Georgia experienced over 79 tornadoes in 2024 causing $2.4 billion in damages. Your policy will pay to repair or rebuild your home, and if you have loss of use coverage, it covers expenses if you're displaced during repairs.
Absolutely. More than 18% of Georgia drivers are uninsured, ranking the state in the top 10 for uninsured motorists. That's nearly one in five vehicles on the road. Uninsured motorist coverage protects you when someone without insurance injures you or damages your vehicle. While not legally required, it's one of the smartest additions to your auto policy.
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