Kull Insurance
711 12th Street, Lawrenceville, IL 62439
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711 12th Street, Lawrenceville, IL 62439
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lawrenceville residents.
Lawrenceville auto insurance averages $125/month. Learn Georgia's 25/50/25 minimums, at-fault rules, penalties, and how to save on coverage in Gwinnett County.
Lawrenceville homeowners typically pay between $1,200 and $1,800 per year for home insurance, which is slightly below the Georgia state average of around $2,004 annually. Your actual rate depends on factors like your credit score, home age, coverage limits, and deductible choice. Newer homes in Lawrenceville's growing subdivisions often qualify for lower rates due to modern construction standards and updated systems.
Yes, standard homeowners insurance policies in Georgia cover tornado and wind damage. However, many insurers now impose separate wind and hail deductibles that can be as high as 5% of your home's insured value—potentially $10,000 to $20,000 out of pocket. Make sure you understand what your wind and hail deductible is before severe weather season arrives.
Flood damage is not covered by standard homeowners insurance in Georgia, regardless of whether flooding comes from heavy rain, nearby creeks, or severe storms. If you're in a lower-lying area or near water, you should strongly consider purchasing separate flood insurance through the National Flood Insurance Program. Even homes outside designated flood zones can experience flooding during severe weather events common in Gwinnett County.
Common discounts include bundling your home and auto insurance with the same carrier, installing a security or fire alarm system, having a newer roof (less than 10 years old), being claims-free for three to five years, and having protective devices like storm shutters. Newer homes in Lawrenceville may also qualify for new home discounts. Always ask your insurance agent specifically what discounts you qualify for, as they vary by insurer.
Roof age is one of the most important factors in determining your premium. Roofs over 15 years old can significantly increase your rate or make coverage difficult to obtain, as they're more vulnerable to wind and hail damage. If you're buying a home in Lawrenceville, ask about the roof's age during inspection. If your roof is older, budget for replacement to keep your insurance costs manageable.
Always choose replacement cost coverage if you can afford it. Replacement cost pays to rebuild or replace damaged property at today's prices, while actual cash value pays what your property was worth after depreciation—often far less money. The premium difference is usually small compared to the significant gap in what you'd receive after a major claim from tornado or storm damage.
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