Affordable homeowner insurance rates in Berkeley Lake, Georgia

Before we talk home insurance, here is a little about this city. When you visit Berkeley Lake, GA you will clearly see why this was once a summer retreat. Imagine a beautiful community surrounding an 88 acre lake. You can look forward to fishing, boating, a bird and wildlife sanctuary, affordable homeowners insurance, and low taxes here. Located in in Gwinnett County, Georgia, Berkeley Lake has a population of 1,839 as of the 2019.

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Understanding What Determines Home Insurance Prices

Berkeley Lake is the most affluent community Georgia. Did you know that the average home value in Berkeley Lake is $592,215? Berkeley Lake home values have gone up 17.5% over the past year. The average home in Georgia costs about $2,500 annually to insure.

How much will it cost to protect your home?

The quick answer… it depends. However, here are a few questions you should answer to get started:

How much does your home cost?

Since the average home here is about $592,215, you can see that it will probably cost more to insure in Berkeley Lake than some of the less expensive homes in Georgia.

How much would it cost to rebuild your house?

That will depend on a number of factors such as the square footage of the home, the location, the materials used, your coverage, etc.

What are the crime statistics for my neighborhood?

Thankfully with a crime rate of 5.91 crimes per one thousand residents, it is safer than 90% of the cities in the United States.

The chance of becoming a victim of either violent or property crime in Berkeley Lake is 1 in 263. Areavibes tells us that the rate for property crime is 5.34 per one thousand population. This includes motor vehicle theft, arson, larceny, and burglary. As you can imagine this will affect your homeowners rates depending on what zip code you live in.

Get started with the form below or pick up the phone to talk to one of our specialists at (877) 341-5728

Is weather a threat in Berkeley Lake?

  • Berkeley Lake has a low risk for tornadoes. It averages about 2 tornadoes a year that cause zero deaths.
  • On the other hand, Berkeley Lake, GA is in a moderate risk hurricane zone. 11 hurricanes have been recorded since the year 2000. The most recent hurricane was Lee in 2011.
  • Heavy rains can cause flooding from the Lake Berkeley in the flood plain areas.
  • It has a very low earthquake risk, with a total of zero earthquakes since 1931.

How close is your home to a fire department? 

Since a fire can ravage your home quickly doesn’t it make sense that the closer you are to a fire station the less damage you would have? Now you can see why they give you cheaper rates the closer you are!

Thankfully Berkeley Lake has Gwinnett Fire Station 19 located on N Berkeley Lake Rd. There are other Gwinnett fire stations locate nearby. You can google them to find out how close you will be. Rest assured that your agent will help you to get the necessary liability, fire, and dwelling coverage for your home. The best part is that the agents here are trained to help you get every possible discount to get the most affordable policy premium.

How can InsuranceHub get you an affordable home insurance quote in Berkeley Lake?

We start with a database of all the top insurance carriers in the country. Insurance companies like:

  • Nationwide
  • Progressive
  • Travelers
  • Just to name a few

Once you complete the home insurance quote form or call our agency, you will have the opportunity to speak to a specialist who will help you get the best rates possible for your home. They’ll ask a few questions in order to get you every possible discount available. They will also explain how you can save up to 25% by combining your auto policy. This will get you top insurance coverage at a price you can afford.

Be sure to check out these things to do and see:

The people of Berkeley Lake have committed to making their home a Tree City USA community, which is a green program established by the Arbor Day Foundation and the National Association of State Foresters. If you have made this Tree City USA Community your home, then contact InsuranceHub for an affordable homeowners quote in Berkeley Lake today.