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Find the lowest Homeowners Insurance Rates in 31041
There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.
If you are shopping for coverage in 31041, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Ideal, GA from a list of top tier nationwide insurers.
Our Georgia licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.
It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 31041 will appear in the zip code field and you are ready to go.
It’s Time to Compare Rate Quotes for 31041
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Ideal, GA home insurance quotes in your local city and review the most competitive coverages and premiums.
31041 Ratings: high!
Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.
In addition to gathering the best quotes from 12 major insurance companies in Ideal we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 31041, homeowners are seeing rates around 1065 on average per year.
Let us help you compare home insurance rates right now. Get started shopping for new policy in 31041!
31041 Home Insurance Average Premiums
$815 /yr.
Shows Zip Code: 31041 lowest rates with discounts applied on average.
For the 31041, 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) | $815 /yr. |
| Average Coverage: | $1065 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1365 /yr. |
What is the average home insurance cost for a home in 31041?
- • The average homeowners insurance premium paid annually for a home in 31041 is around $1065 per year.
What does it cost on average per month for home insurance in 31041?
- • Homeowners in 31041 pay a monthly average cost per month around $89.00.
What kind of discount could I get if I combine my home and auto insurance together in 31041?
- • Autoowners in 31041 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 Ideal area, check out other zip codes nearby 31041.
Review average rates in another zip code:
31041 homeowners insurance rates
Home Replacement Cost Coverage in 31041
Average Building Cost Per Square Foot in 31041: $122
Location: Ideal, Georgia (Macon County)Average Square Footage in 31041: 406 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 31041 before you start any project. Ideal 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 31041 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 31041 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 406 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 Ideal 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $122 | 406 | $49,500 |
| Additional Upgrades & Added Features | $153 | 406 | $61,875 |
| Major Home Updates or Advancements | $183 | 406 | $74,250 |
It's important to understand that when you estimate your replacement cost of your home in the 31041 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 31041
Best Home & Auto Insurance Agencies in 31041
Housing Demographics for 31041
Population Review for 31041 Zip Code
For the city of Ideal, the population within 31041 has increased to over 421 residents in population size. The current population total is 681. We have broken down the population based on race below. In 31041, there are over 310 in male population and 371 females.
| Population | Values |
|---|---|
| Total Population | 681 |
| White Population | 300 |
| Black Population | 339 |
| Hispanic Population | 4 |
| Asian Population | 15 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 4 |
| Male Population | 310 |
| Female Population | 371 |
| Population Estimate | 421 |
Household Data for 31041
The average number of homes in 31041 is around 287, there are an average of 1.99 per household. The average house value according to local real estate values is around $49,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 287 |
| Persons Per Household | 1.99 |
| Average House Value | $49,500 |
| Income Per Household | $28490 |
| Median Age | 55.0 |
| Median Age Male | 57.8 |
| Median Age Female | 52.9 |
| 31041 Details | Values |
|---|---|
| State | GA |
| State Full Name | Georgia |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 478 |
| City | Ideal |
| City Alias Name | IDEAL |
| County | Macon |
| County FIPS | 193 |
| State FIPS | 13 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 8 |
| Number Of Employees | 102 |
| Business First Quarter Payroll | 1033 |
| Business Annual Payroll | 3805 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 0 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 9626.23 |
| Delivery Residential | 212 |
| Delivery Business | 7 |
| Delivery Total | 328 |
| Preferred Last Line Key | X10645 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X10645 |
| Land Area | 39.734000 |
| Water Area | 0.323000 |
| City Alias Code | |
| City Mixed Case | Ideal |
| City Alias Mixed Case | Ideal |
| Box Count | 104 |
| SFDU | 194 |
| MFDU | 0 |
| State ANSI | 13 |
| County ANSI | 193 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 124499 |
| Unique ZIP Name | |
| SSA State County Code | 11710 |
| Medicare CBSA Code | 99911 |
| Medicare CBSA Name | Rural Areas in GA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 8 |
| County Mixed Case | Macon |
Georgia Homeowners Insurance News & Information
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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. […]
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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 […]
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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 […]