Compare Homeowners Insurance Rates in Ball Ground, GA | Blog
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10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

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Ball Ground, GA 30107

The Sanford Group Insurance Blog

Compare Homeowners Insurance Rates in Ball Ground, GA

Is it really worth comparing homeowners insurance rates in Ball Ground, GA, or are all rates pretty much the same? Well, if you know just a little about how insurers determine the rates they charge, you will see the value in getting more than one or two quotes from home insurance companies before you buy a policy.

Getting multiple quotes from your independent insurance agent can make a big difference in the premium you may pay. It is not unusual to save $200-$300 per year, or even more, by comparing homeowners insurance rates among a half-dozen carriers.

Each home insurer evaluates the risk that you and your house presents against possible future claims. If you have a new house, the chances of the plumbing or electricity failing and causing major damage is far less than if you live in a house that was built fifty years ago. If you have had two fires in the last three years and got sued by someone who fell on your property, you are a high-risk to most insurance companies. While you may still be able to get home insurance, your rates can be extremely high.

Not all insurance companies treat your claims history the same. Some are more forgiving, particularly if the reason for a claim was not your fault. If lightning strikes your roof and sets your house on fire, there was probably very little you could have done to have prevented it from happening. If you never lock your doors and leave your lawn mower on the front lawn overnight, you are inviting trouble.

Depending on your particular set of circumstances, one insurance company may be more willing to provide you with a lower rate, for the same amount of coverage, than a competing company. Make sure you check rates and get quotes so you will know that you are getting the best value for your insurance dollar.

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