Get multiple home insurance quotes in 30905. Our licensed 30905, GA agents are ready to serve you.

30905 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 30905? There are over 911 occupied homes in the 30905 area. With a population size of 8,301, it's not uncommon for residence of Augusta, GA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Georgia is around $1,014 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 30905 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Augusta, GA Home Insurance Rate Quotes

30905 Home Insurance Average Premiums

Local 30905 homeowners insurance quotes comparison

$764 /yr.

Shows Zip Code: 30905 lowest rates with discounts applied on average.

For the 30905, 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 30905?

  • • The average homeowners insurance premium paid annually for a home in 30905 is around $1014 per year.

What does it cost on average per month for home insurance in 30905?

  • • Homeowners in 30905 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 30905?

  • • Autoowners in 30905 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 Augusta area, check out other zip codes nearby 30905.
Review average rates in another zip code:
30905 homeowners insurance rates
30912 homeowners insurance rates
30904 homeowners insurance rates
30907 homeowners insurance rates
30901 homeowners insurance rates
30909 homeowners insurance rates
30906 homeowners insurance rates
30903 homeowners insurance rates

Home Replacement Cost Coverage in 30905

Average Building Cost Per Square Foot in 30905: $122

Location: Augusta, Georgia (Richmond County)

Average Square Footage in 30905: 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 30905 before you start any project. Augusta 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 30905 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 30905 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 Augusta 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 30905 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 30905

Best Home & Auto Insurance Agencies in 30905

Texas Farm Bureau Insurance

Address: U.S. 78 Harlem, GA 30905
Phone:
Website: http://www.farmbureauinsurance-mi.com/
Info:

Housing Demographics for 30905

Population Review for 30905 Zip Code

For the city of Augusta, the population within 30905 has increased to over 4,378 residents in population size. The current population total is 8,301. We have broken down the population based on race below. In 30905, there are over 5766 in male population and 2535 females.

PopulationValues
Total Population8,301
White Population5134
Black Population836
Hispanic Population2103
Asian Population508
Hawaiian Population31
Indian Population11
Other Population787
Male Population5766
Female Population2535
Population Estimate4378

Household Data for 30905

The average number of homes in 30905 is around 911, there are an average of 3.27 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 Zipcode911
Persons Per Household3.27
Average House Value$165,000
Income Per Household$51333
Median Age21.6
Median Age Male21.9
Median Age Female21.1
30905 DetailsValues
StateGA
State Full NameGeorgia
City TypeP
City Alias Abbreviation
Area Code706/762
CityAugusta
City Alias NameAUGUSTA
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 Businesses84
Number Of Employees2684
Business First Quarter Payroll55510
Business Annual Payroll233226
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 Residential1339
Delivery Business59
Delivery Total2770
Preferred Last Line KeyX10065
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX10065
Land Area18.171000
Water Area0.092000
City Alias Code
City Mixed CaseAugusta
City Alias Mixed CaseAugusta
Box Count0
SFDU1047
MFDU0
State ANSI13
County ANSI245
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number120473
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 […]