Compare quotes for your home in 31303! Compare the best 12 carriers in minutes.
Shop for Home Insurance in 31303 right now!
If you live in the 31303 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Clyo have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
Our service is always free and we not only find a great policy for you, our GA licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.
It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 31303 and then compare quotes from a variety of nationwide insurance companies.
31303 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 31303 the average premium for homeowners coverage is $1034 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 31303. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
Get Free Home Insurance Quotes in 31303 Today!
We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
Click to review the best Clyo, GA home insurance quotes in your area.
31303 Home Insurance Average Premiums
$784 /yr.
Shows Zip Code: 31303 lowest rates with discounts applied on average.
For the 31303, 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) | $784 /yr. |
| Average Coverage: | $1034 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1334 /yr. |
What is the average home insurance cost for a home in 31303?
- • The average homeowners insurance premium paid annually for a home in 31303 is around $1034 per year.
What does it cost on average per month for home insurance in 31303?
- • Homeowners in 31303 pay a monthly average cost per month around $86.00.
What kind of discount could I get if I combine my home and auto insurance together in 31303?
- • Autoowners in 31303 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 Clyo area, check out other zip codes nearby 31303.
Review average rates in another zip code:
31303 homeowners insurance rates
Home Replacement Cost Coverage in 31303
Average Building Cost Per Square Foot in 31303: $122
Location: Clyo, Georgia (Effingham County)Average Square Footage in 31303: 1,253 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 31303 before you start any project. Clyo 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 31303 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 31303 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,253 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 Clyo 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 | 1,253 | $152,900 |
| Additional Upgrades & Added Features | $153 | 1,253 | $191,125 |
| Major Home Updates or Advancements | $183 | 1,253 | $229,350 |
It's important to understand that when you estimate your replacement cost of your home in the 31303 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 31303
Best Home & Auto Insurance Agencies in 31303
Housing Demographics for 31303
Population Review for 31303 Zip Code
For the city of Clyo, the population within 31303 has increased to over 2,530 residents in population size. The current population total is 2,365. We have broken down the population based on race below. In 31303, there are over 1172 in male population and 1193 females.
| Population | Values |
|---|---|
| Total Population | 2,365 |
| White Population | 1685 |
| Black Population | 565 |
| Hispanic Population | 51 |
| Asian Population | 4 |
| Hawaiian Population | 0 |
| Indian Population | 4 |
| Other Population | 15 |
| Male Population | 1172 |
| Female Population | 1193 |
| Population Estimate | 2530 |
Household Data for 31303
The average number of homes in 31303 is around 912, there are an average of 2.59 per household. The average house value according to local real estate values is around $152,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 912 |
| Persons Per Household | 2.59 |
| Average House Value | $152,900 |
| Income Per Household | $46136 |
| Median Age | 41.6 |
| Median Age Male | 40.6 |
| Median Age Female | 42.8 |
| 31303 Details | Values |
|---|---|
| State | GA |
| State Full Name | Georgia |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 912 |
| City | Clyo |
| City Alias Name | CLYO |
| County | Effingham |
| County FIPS | 103 |
| State FIPS | 13 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 7520 |
| PMSA | |
| CSA | 496 |
| CBSA | 42340 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Savannah, GA |
| MSA_Name | Savannah, GA MSA |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 25 |
| Number Of Employees | 113 |
| Business First Quarter Payroll | 1100 |
| Business Annual Payroll | 5229 |
| 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 | 347611 |
| CBSA Division Population | 0 |
| Congressional District | 12 |
| Congressional LandArea | 8185.27 |
| Delivery Residential | 977 |
| Delivery Business | 6 |
| Delivery Total | 1604 |
| Preferred Last Line Key | X10256 |
| Classification Code | |
| Multi-County | |
| CSA Name | Savannah-Hinesville-Statesboro, GA |
| CBSA_DIV_Name | |
| City State Key | X10256 |
| Land Area | 81.464000 |
| Water Area | 1.647000 |
| City Alias Code | |
| City Mixed Case | Clyo |
| City Alias Mixed Case | Clyo |
| Box Count | 69 |
| SFDU | 955 |
| MFDU | 0 |
| State ANSI | 13 |
| County ANSI | 103 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 121848 |
| Unique ZIP Name | |
| SSA State County Code | 11421 |
| Medicare CBSA Code | 42340 |
| Medicare CBSA Name | Savannah, GA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 14 |
| County Mixed Case | Effingham |
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 […]