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Compare 31204 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 31204 area? The average homeowners premium in Georgia for a standard homeowners policy is around $1,069/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 31204 zip code, the population size is around 30,512 with 12,824 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 31204.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Macon, GA Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. GA RateDiscountsSavingsShop Rates
$1,403up to 40% off$561

31204 Home Insurance Average Premiums

Local 31204 homeowners insurance quotes comparison

$819 /yr.

Shows Zip Code: 31204 lowest rates with discounts applied on average.

For the 31204, 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)		$819 /yr.
Average Coverage:$1069 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1369 /yr.

What is the average home insurance cost for a home in 31204?

  • • The average homeowners insurance premium paid annually for a home in 31204 is around $1069 per year.

What does it cost on average per month for home insurance in 31204?

  • • Homeowners in 31204 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 31204?

  • • Autoowners in 31204 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 Macon area, check out other zip codes nearby 31204.
Review average rates in another zip code:
31207 homeowners insurance rates
31210 homeowners insurance rates
31217 homeowners insurance rates
31201 homeowners insurance rates
31204 homeowners insurance rates
31216 homeowners insurance rates
31211 homeowners insurance rates
31220 homeowners insurance rates
31206 homeowners insurance rates

Home Replacement Cost Coverage in 31204

Average Building Cost Per Square Foot in 31204: $122

Location: Macon, Georgia (Bibb County)

Average Square Footage in 31204: 750 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31204 before you start any project. Macon 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 31204 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 31204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 750 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 Macon 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$122750$91,500
Additional Upgrades & Added Features$153750$114,375
Major Home Updates or Advancements$183750$137,250

It's important to understand that when you estimate your replacement cost of your home in the 31204 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 31204

Joe D. Mullendore Agency

Address: 2367 Ingleside Ave Macon, GA 31204
Phone: (478)742-3400
Website:

Best Home & Auto Insurance Agencies in 31204

Kaplan Insurance Srvc Inc

Address: 2719 Sheraton Dr, #100 Macon, GA 31204
Phone:
Website:
Info:

Dunagan- Gary D

Address: 3287 Vineville Ave Macon, GA 31204
Phone:
Website:
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Access Insurance Services

Address: 3781 Mercer University Dr Macon, GA 31204
Phone:
Website:
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Joe D. Mullendore Agency

Address: 2367 Ingleside Ave Macon, GA 31204
Phone:
Website:
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Alfa Insurance

Address: 3298 Vineville Ave Macon, GA 31204
Phone:
Website:
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Housing Demographics for 31204

Population Review for 31204 Zip Code

For the city of Macon, the population within 31204 has increased to over 31,259 residents in population size. The current population total is 30,512. We have broken down the population based on race below. In 31204, there are over 13905 in male population and 16607 females.

PopulationValues
Total Population30,512
White Population8588
Black Population19790
Hispanic Population1039
Asian Population310
Hawaiian Population9
Indian Population61
Other Population584
Male Population13905
Female Population16607
Population Estimate31259

Household Data for 31204

The average number of homes in 31204 is around 12,824, there are an average of 2.33 per household. The average house value according to local real estate values is around $91,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,824
Persons Per Household2.33
Average House Value$91,500
Income Per Household$37318
Median Age38.1
Median Age Male35.7
Median Age Female39.9
31204 DetailsValues
StateGA
State Full NameGeorgia
City TypeP
City Alias Abbreviation
Area Code478
CityMacon
City Alias NameMACON
CountyBibb
County FIPS021
State FIPS13
Time Zone5
Day Light SavingY
MSA4680
PMSA
CSA356
CBSA31420
CBSA_DIV
CBSA_TypeMetro
CBSA_NameMacon-Bibb County, GA
MSA_NameMacon, GA MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses618
Number Of Employees6291
Business First Quarter Payroll59396
Business Annual Payroll242634
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population232293
CBSA Division Population0
Congressional District02|08
Congressional LandArea9626.23|8711.64
Delivery Residential13416
Delivery Business1020
Delivery Total14330
Preferred Last Line KeyX10768
Classification Code
Multi-County
CSA NameMacon-Bibb County--Warner Robins, GA
CBSA_DIV_Name
City State KeyX10768
Land Area14.585000
Water Area0.165000
City Alias Code
City Mixed CaseMacon
City Alias Mixed CaseMacon
Box Count0
SFDU10442
MFDU809
State ANSI13
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number125489
Unique ZIP Name
SSA State County Code11090
Medicare CBSA Code31420
Medicare CBSA NameMacon-Bibb County, GA
Medicare CBSA TypeMetro
Market Rating Area ID12
County Mixed CaseBibb

Georgia Homeowners Insurance News & Information

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    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 […]