Homeowners Insurance in 31558

Getting the most affordable home insurance rates in 31558 just got easier for Saint Marys, GA home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Saint Marys. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Saint Marys, GA Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 31558

When discussing Georgia homeowners insurance rates, Saint Marys residents are finding new ways to save time and money by discovering lower rates when they shop online. Georgia may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 15. Residents that live within the 31558 zipcode are currently paying $1026 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Saint Marys does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

Average Building Cost Per Square Foot in 31558: $122

Average Square Footage in 31558: 1,711 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31558 before you start any project. Saint Marys 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 31558 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 31558 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,711 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 Marys 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 31558 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.

Barlow Insurance

FLEM J Hall Insurance Agency

GEICO Insurance

Allstate Insurance Companies

Lang- Kevin A - State Farm Insurance Agent

Household Data for 31558

The average number of homes in 31558 is around 8,420, there are an average of 2.52 per household. The average house value according to local real estate values is around $208,700. 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 […]