Home Insurance Rates in 31522

For homeowners shopping online in 31522, our insurance rates are very competitive for homeowners living in Saint Simons Island, GA. Many homeowners based out of the great city of Saint Simons Island have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Georgia licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 31522, simply click the "Get Multiple Quotes Now" button. Your 31522 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Saint Simons Island, GA Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

31522 Home Insurance Rating is: High!

If you live in 31522, you can easily save up to 40% off the average home insurance premium of $957 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Saint Simons Island can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 31522 today!

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Average Building Cost Per Square Foot in 31522: $122

Average Square Footage in 31522: 3,189 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31522 before you start any project. Saint Simons Island 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 31522 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 31522 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,189 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 Saint Simons Island 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 31522 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.

Mcginty Gordon & Associates

Dutton- Maggie E - State Farm Insurance Agent

Household Data for 31522

The average number of homes in 31522 is around 8,019, there are an average of 2.09 per household. The average house value according to local real estate values is around $389,100. Please review the following demographics below for average income and media age.

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