Affordable homeowners insurance rates in Lithonia, Georgia
Before we talk home insurance, here is a little about this city. Lithonia is a city in eastern DeKalb County, Georgia. As of 2019 there were 2,778 people living there. When you visit Lithonia, Ga you will clearly see why it is nicknamed the “city of stone.“
The area has a history of rock quarries and you will see plenty of exposed rock! In fact, “Lithonia” is Greek for “city/town of stone.” You can look forward to affordable housing, cheap homeowners insurance, and low taxes here.
Let's Talk Affordable Home Ownership
Did you know that the average home value in Lithonia is $206,040? Lithonia home values have gone up 22.9% over the past year according to Zillow.
How much will it cost to protect your home?
That will depend on quite a few determining factors. Here are a few:
How much does your home cost?
Since the average home here is about $206,040, you can see that it will probably cost less to insure in Lithonia than some of the more 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?
With a crime rate of 42.47 crimes per one thousand residents, it's much higher than than the average rate in Georgia.
Areavibes tells us that the rate for property crime is 37.32 per one thousand population. This includes motor vehicle theft, arson, larceny, and burglary. So, 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 professionals at (877) 341-5728
What weather conditions pose a threat?
- Lithonia has a low risk for tornadoes. It averages about 2 tornadoes a year that causes zero deaths.
- On the other hand, it is in a very moderate risk hurricane zone. Ten hurricanes have been recorded since the year 2000. The most recent hurricane was Lee in 2011.
- Heavy rains can cause flooding from the Alcovy River river 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?
Fires can destroy a home in the blink of an eye, so doesn't it make total sense that the closer you home is to a fire station, the cheaper the home insurance quote? The answer: yes, it does!
Thankfully, Lithonia has 8 fire and emergency stations scattered through out the greater metropolitan area. 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 agents here at InsuranceHub are trained to help you get every possible discount to help you design the most affordable homeowners policy.
How can InsuranceHub save you on your rates?
We are you home insurance advisors and we can help design a policy that meets your needs. We work with Nationwide and other top carriers like Progressive and Travelers. We are here to see what your needs are and then to shop for you.
When you begin the home insurance quote form or call our offices, you will have the opportunity to speak to a professional that'll help you to get the best rates for your home. They will begin by asking you a few simple questions to help you get every discount available to you. They will also explain how you can save up to 25% by combining your auto policy. This means you get the best insurance coverage value at the best price.