31207 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 31207? There are over 2 occupied homes in the 31207 area. With a population size of 1,512, it's not uncommon for residence of Macon, 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 31207 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: Macon, GA Home Insurance Rate Quotes

Average Building Cost Per Square Foot in 31207: $122

Average Square Footage in 31207: 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 31207 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 31207 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 31207 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 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.

It's important to understand that when you estimate your replacement cost of your home in the 31207 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.

Household Data for 31207

The average number of homes in 31207 is around 2, there are an average of 9.50 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.

• 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 […]