Emerson, GA Homeowners Insurance Rate Quotes!
For Emerson homeowners, the average premium per year for a standard homeowners policy is around $85 per month or around $1,014 per year. . The national average is estimated at $1,311 per year for a basic HO-3 homeowners policy. At GetHomeInsuranceQuotes.com, we shop up to 12 companies for you all in one place. We evaluate the lowest price, the best coverage and include any discounts or credits that can be applied to help provide the cheapest home insurance rate for your home and family in Emerson. Our online quoting process is hassle free, we are able to compare the most competitive companies which helps Emerson homeowners easily finalize a new homeowners policy quickly and easily online or over the phone.
Getting Affordable Rates in Emerson
If your homeowners insurance rate in Emerson has increased, it may be due to your claims history. Or the location of your Emerson home is in a higher risk area due to flood damage, wind or hail claims or crime rates. Other reasons may be that your current home insurance carrier has saturated the market and is now increasing premiums throughout the state of Georgia. All of these reasons are great for you to explore other options and shop local rates online at GetHomeInsuranceQuotes.com. Thousands of homeowners like you use our quoting process to help find the best rate or coverage. Enter your zip code for your home in Emerson, GA and we can get started on compare coverage. If you prefer to call us, please call 1-855-976-2656.
| Avg. GA Rate | Discounts | Savings | Shop Rates |
|---|---|---|---|
| $1,403 | up to 40% off | $561 |
Compare Homeowners Insurance Rates in Emerson, GA!
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Our Quoting Service in Emerson
We have been working with the top rated ("A+" A.M.) Georgia home insurance carriers for years and we can help you find the best coverage at an affordable price for your home in Emerson, GA.
It’s important when shopping for insurance to work with carriers that are dependable and financially secure. Our top-rated carriers include Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the Georgia Underwriting Association
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Average Rates Nearby Emerson
Are you looking for homeowners insurance in a city near Emerson? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Emerson, GA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Emerson.
Emerson, GA Home Insurance Average Premiums
$764 /yr.
For the city of Emerson, 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) | $764 /yr. |
| Average Coverage: | $1014 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1314 /yr. |
What is the average home insurance cost for a home in Emerson, GA?
- • The average homeowners insurance premium paid annually for a home in Emerson is around $1014 per year.
What does it cost on average per month for home insurance in Emerson, GA?
- • Homeowners in Emerson pay an average cost per month around $85.00 for insurance coverage.
Emerson, GA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $258,720 | $228,636 |
| February | $257,865 | $236,804 |
| March | $257,971 | $245,577 |
| April | $258,420 | $251,553 |
Homeowners insurance will help cover the cost to repair or replace your Emerson home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Emerson
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
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Saving Money Tips on Emerson Home Insurance
A great way to save money on Emerson homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Emerson area? Check out what homeowners are paying on average for Georgia homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 1061 ft. | This is the average home elevation in Emerson, GA | Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Georgia flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954. |
To get online quotes on your home and compare rates on home insurance premiums in Emerson, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Bartow County.
Georgia Homeowners Insurance News & Information
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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. […]
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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 […]
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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 […]
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Coastal Homeowners in Denial: FEMA urges homeowners to buy flood insurance Posted on Monday 23rd September, 2019
Congress is getting ready to send President Donald Trump the thirteenth 60-day extension of the National Flood Insurance Program (NFIP) as the current one expires at the end of September. The NFIP has been in serious financial trouble for years but Congress has been unable to agree on how to fix the ailing program. The […]
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Thousands of Homeowners in the path of Hurricane Dorian Cancelled Their Flood Insurance Posted on Wednesday 11th September, 2019
According to a recent analysis by E&E News of government data, tens of thousands of homeowners who were in the path of Hurricane Dorian dropped their flood insurance in recent years. The analysis found that both homeowners and owners of commercial buildings have been giving up their flood insurance policies despite the fact that their […]
Emerson, GA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Emerson so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Emerson, GA?
- The average square footage in Emerson is around 1,230 Sq. Ft. which would cost you around $150,000 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $150,000
Location: Emerson, Georgia (Bartow County)
Average Building Cost Per Square Foot in Emerson: $122 (low end)
Average Square Footage in Emerson: 1,230 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $150,000 |
| Some Additional Upgrades | $153 | $187,500 |
| Major Home Updates or Advancements | $183 | $225,000 |
The dwelling coverage is calculated by the average cost per square foot ($122) in Emerson, Georgia times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $381,250 (Media price to build of $153 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.