Ok, so I just got off the phone with State Farm and they saved my bacon! They quoted me at just over $1,000 for a year which is about in line with what I was expecting. Of course, if I get an alarm system installed and move my car insurance to them, my rate would go down, but for the time being I have my quote, which was the last piece of the puzzle for the mortgage.
I was really fearing I would have to go into the Georgia FAIR Plan, because that didn't sound like it would be a good thing. The FAIR Plan is insurance for people who need insurance but can't get it for one reason or another. Basically, the highest risk group gets to pay twice as much for less coverage.
Obviously, if that was my only option, I'd have to go with it, but luckily I can avoid that, at least for now. I'm sure I'll have to see about updating some parts of the house in the next few years, but those are expenses I can prepare for ahead of time. As those updates are done, my premiums will hopefully go down too, saving me more money in the long run.
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