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31098 Home Insurance Quotes & Rates

Currently, the 868 homes within the 31098 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Georgia is around $1,043 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Warner Robins, GA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 31098.

Georgia is now ranking #15 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Warner Robins home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Georgia has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 31098 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Warner Robins, Georgia home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Warner Robins, GA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

31098 Home Insurance Average Premiums

Local 31098 homeowners insurance quotes comparison

$793 /yr.

Shows Zip Code: 31098 lowest rates with discounts applied on average.

For the 31098, 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)
$793 /yr.
Average Coverage:$1043 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1343 /yr.

What is the average home insurance cost for a home in 31098?

  • • The average homeowners insurance premium paid annually for a home in 31098 is around $1043 per year.

What does it cost on average per month for home insurance in 31098?

  • • Homeowners in 31098 pay a monthly average cost per month around $87.00.

What kind of discount could I get if I combine my home and auto insurance together in 31098?

  • • Autoowners in 31098 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 Warner Robins area, check out other zip codes nearby 31098.
Review average rates in another zip code:
31098 homeowners insurance rates
31093 homeowners insurance rates
31088 homeowners insurance rates

Home Replacement Cost Coverage in 31098

Average Building Cost Per Square Foot in 31098: $122

Location: Warner Robins, Georgia (Houston County)

Average Square Footage in 31098: 1,264 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31098 before you start any project. Warner Robins 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 31098 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 31098 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,264 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 Warner Robins 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$1221,264$154,200
Additional Upgrades & Added Features$1531,264$192,750
Major Home Updates or Advancements$1831,264$231,300

It's important to understand that when you estimate your replacement cost of your home in the 31098 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 31098

Best Home & Auto Insurance Agencies in 31098

Housing Demographics for 31098

Population Review for 31098 Zip Code

For the city of Warner Robins, the population within 31098 has increased to over 2,580 residents in population size. The current population total is 2,750. We have broken down the population based on race below. In 31098, there are over 1436 in male population and 1314 females.

PopulationValues
Total Population2,750
White Population1241
Black Population1074
Hispanic Population288
Asian Population43
Hawaiian Population0
Indian Population20
Other Population96
Male Population1436
Female Population1314
Population Estimate2580

Household Data for 31098

The average number of homes in 31098 is around 868, there are an average of 2.82 per household. The average house value according to local real estate values is around $154,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode868
Persons Per Household2.82
Average House Value$154,200
Income Per Household$76817
Median Age25.1
Median Age Male24.3
Median Age Female27.0
31098 DetailsValues
StateGA
State Full NameGeorgia
City TypeP
City Alias Abbreviation
Area Code478
CityWarner Robins
City Alias NameWARNER ROBINS
CountyHouston
County FIPS153
State FIPS13
Time Zone5
Day Light SavingY
MSA4680
PMSA
CSA356
CBSA47580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameWarner Robins, GA
MSA_NameMacon, GA MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses66
Number Of Employees800
Business First Quarter Payroll13818
Business Annual Payroll50775
Business Employment Flag
Growth Rank68
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number4014
Growth Increase Percentage2.9
Metropolitan DetailsValues
CBSA Population139900
CBSA Division Population0
Congressional District02|08
Congressional LandArea9626.23|8711.64
Delivery Residential915
Delivery Business9
Delivery Total922
Preferred Last Line KeyX11343
Classification Code
Multi-County
CSA NameMacon-Bibb County--Warner Robins, GA
CBSA_DIV_Name
City State KeyX11343
Land Area17.561000
Water Area0.217000
City Alias Code
City Mixed CaseWarner Robins
City Alias Mixed CaseWarner Robins
Box Count0
SFDU54
MFDU0
State ANSI13
County ANSI153
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number129207
Unique ZIP Name
SSA State County Code11600
Medicare CBSA Code47580
Medicare CBSA NameWarner Robins, GA
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseHouston

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 […]