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Searching for Homeowners Insurance in 30812

If you are a homeowners that lives in 30812 you may be searching for more affordable homeowners insurance in Gracewood. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Gracewood, GA. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Georgia licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 30812 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Gracewood, GA home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 30812 Home Insurance Costs: high!

In Gracewood, homeowners are paying roughly $1014 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 30812 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Gracewood are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 30812 policy right now!

30812 Home Insurance Average Premiums

Local 30812 homeowners insurance quotes comparison

$764 /yr.

Shows Zip Code: 30812 lowest rates with discounts applied on average.

For the 30812, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$764 /yr.
Average Coverage:$1014 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1314 /yr.

What is the average home insurance cost for a home in 30812?

  • • The average homeowners insurance premium paid annually for a home in 30812 is around $1014 per year.

What does it cost on average per month for home insurance in 30812?

  • • Homeowners in 30812 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 30812?

  • • Autoowners in 30812 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Gracewood area, check out other zip codes nearby 30812.
Review average rates in another zip code:
30812 homeowners insurance rates

Home Replacement Cost Coverage in 30812

Average Building Cost Per Square Foot in 30812: $122

Location: Gracewood, Georgia (Richmond County)

Average Square Footage in 30812: 1,352 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 30812 before you start any project. Gracewood homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 30812 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 30812 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,352 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Gracewood area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1221,352$165,000
Additional Upgrades & Added Features$1531,352$206,250
Major Home Updates or Advancements$1831,352$247,500

It's important to understand that when you estimate your replacement cost of your home in the 30812 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 30812

Best Home & Auto Insurance Agencies in 30812

Housing Demographics for 30812

Population Review for 30812 Zip Code

For the city of Gracewood, the population within 30812 has increased to over 0 residents in population size. The current population total is 122. We have broken down the population based on race below. In 30812, there are over 64 in male population and 58 females.

PopulationValues
Total Population122
White Population90
Black Population30
Hispanic Population0
Asian Population2
Hawaiian Population0
Indian Population0
Other Population0
Male Population64
Female Population58
Population Estimate0

Household Data for 30812

The average number of homes in 30812 is around 0, there are an average of 0.00 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode0
Persons Per Household0.00
Average House Value$165,000
Income Per Household$0
Median Age62.3
Median Age Male63.7
Median Age Female59.5
30812 DetailsValues
StateGA
State Full NameGeorgia
City TypeZ
City Alias Abbreviation
Area Code706/762
CityGracewood
City Alias NameGRACEWOOD
CountyRichmond
County FIPS245
State FIPS13
Time Zone5
Day Light SavingY
MSA0600
PMSA
CSA
CBSA12260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAugusta-Richmond County, GA-SC
MSA_NameAugusta-Aiken, GA-SC MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population556877
CBSA Division Population0
Congressional District12
Congressional LandArea8185.27
Delivery Residential0
Delivery Business0
Delivery Total116
Preferred Last Line KeyX10548
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX10548
Land Area0.094000
Water Area0.000000
City Alias Code
City Mixed CaseGracewood
City Alias Mixed CaseGracewood
Box Count75
SFDU0
MFDU0
State ANSI13
County ANSI245
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number123707
Unique ZIP Name
SSA State County Code11840
Medicare CBSA Code12260
Medicare CBSA NameAugusta-Richmond County, GA-SC
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseRichmond

Georgia Homeowners Insurance News & Information

  • Homeowners Prepare for Rate Increases Later This Year Posted on Monday 27th June, 2022

    In most states, home insurance rates are headed up this year and homeowners should be prepared for further rate increases before the end of the year. According to a recent S&P Global Market Intelligence report, over 177 insurance carriers have filed requests for rate increases in 43 states, Arizona alone has seen 34 rate increase requests. […]

  • Hurricane Isaias is on the same track as Hurricane Dorian – What can we expect? Posted on Wednesday 5th August, 2020

    Hurricane Isaias is on roughly the same track as Hurricane Dorian and is the first hurricane to hit the Bahamas since Dorian stalled over the islands as a Category 5 monster killing dozens of people and causing massive destruction.  Here is a quick overview of both storms as well as a few tips on how […]

  • Georgia Coastal Home Insurance Coverage & Rates Posted on Wednesday 2nd October, 2019

    Windstorm insurance is not a required coverage in Georgia, but if you live on the coast, it is certainly an insurance you should consider. In many coastal areas your mortgage lender will require that you carry a windstorm policy to make sure your home (and their investment) is full protected. Windstorm policies are designed to […]