Get Greenville, GA Home Insurance Rates!
If you are shopping for a new homeowners insurance policy in Greenville, Georgia you are in the right spot.
Our website was designed to help you find a great policy that offers robust coverage at a price you can afford, all from the comfort of your couch. Our online quoting process is quick and easy, it allows you to shop 12 different nationwide insurance companies. Our insurance partners are nationwide insurers that offer a wide variety of coverage options at an affordable price.
Simply enter your zip code above, answer a few questions and we will get to work finding your new Greenville homeowners insurance policy.
A Few Facts about Greenville and Georgia Home Insurance Rates
The average premium for a standard HO-3 policy in Greenville, GA is around $1,403 a year, not including wind and hail coverage, earthquak or flood insurance. You can easily compare your current home insurance rate to the state average or the current national average which is $1,311.
Luckily, homes in Greenville are pretty affordable with the average home price coming in at $88,200 which means you don’t have to carry as much insurance to fully protect your home, this helps keep your premium affordable.
We can help you find more affordable homeowners insurance within or near the Greenville area by shopping your coverage with a variety of national insurance companies. It’s quick and easy. Start your quote now.
Greenville and Homeowners Insurance
We know that shopping for homeowners coverage is never simple or fun but we can help make the process much easier. While our process is easy, we never cut corners and will take the time to review your insurance needs, explain the various coverages to you and make sure your home is fully protected against all perils.
Our process also makes sure you are getting all available home insurance discounts, and in many cases, we can help you save up to 40% on your current rates.
Our agents are available nearby and can answer any questions you may have about coverages or policy details; our goal is to make sure you fully understand your policy and all your questions have been answered before you sign on the dotted line.
Less Known Homeowner Insurance Coverages
While most homeowners are aware of the most common homeowner insurance coverages like dwelling and liability, many policies offer additional protections you may not be familiar with but that offer essential protection. Here is a quick rundown of a few of the lesser known coverages:- Other Structures: This coverage will protect all other structures on your property that are not your house. This means that if you have a shed, barn, other outbuildings on your property, they are protected under this coverage. It also covers fencing or any other structures on your property that are detached from your home.
It should be noted that other structures coverage is typically capped at 10 percent of your dwelling coverage. This means that if you are carrying $400,000 in dwelling coverage your other structures coverage is $40,000. - Loss of Use: This coverage protects your finances if you are forced out of your home due to a covered peril. As an example, if your home is damaged or destroyed by a fire and you are unable to live there while it is being repaired loss of use coverage will pay for some of the expenses you will incur due to being out of your home such as hotels, restaurants, and even dry cleaning.
- Medical payments: This coverage will help cover medical bills if someone is injured on your property, regardless of who’s at fault. Coverage limits are usually capped at around $5,000 for this coverage.
Greenville, GA Housing Information
It may not be a surprise to local residents that Greenville, GA has now reached over 876 in population growth with 336 homes within the city of Greenville. The average family household size in Greenville is reported to be around 217. With population density increasing in Greenville, it's important to make sure your home has the homeowners insurance coverage and protection you need for your family. When you request free Greenville home insurance quotes from us, we will work with you to compare every possible carrier, coverage and discount available.
| Demographic | Values |
|---|---|
| Population | 876 |
| Total Occupied Households | 336 |
| Family Households (families) | 217 |
| Average Owner Occupied Household Size | 2.36 |
| Average Family Size | 3.38 |
| Total Housing Units | 413 |
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Our Quoting Service in Greenville
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 Greenville, 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 Greenville
Are you looking for homeowners insurance in a city near Greenville? 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 Greenville, GA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Greenville.
Greenville, GA Home Insurance Average Premiums
$780 /yr.
For the city of Greenville, 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) | $780 /yr. |
| Average Coverage: | $1030 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1330 /yr. |
What is the average home insurance cost for a home in Greenville, GA?
- • The average homeowners insurance premium paid annually for a home in Greenville is around $1030 per year.
What does it cost on average per month for home insurance in Greenville, GA?
- • Homeowners in Greenville pay an average cost per month around $86.00 for insurance coverage.
Greenville, GA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $163,696 | $139,889 |
| February | $161,668 | $146,354 |
| March | $160,035 | $153,849 |
| April | $159,306 | $159,162 |
Homeowners insurance will help cover the cost to repair or replace your Greenville 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 Greenville
- 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 Greenville Home Insurance
A great way to save money on Greenville 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 Greenville 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 |
|---|---|---|
| 893 ft. | This is the average home elevation in Greenville, 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 Greenville, 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 Meriwether 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 […]
Greenville, GA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Greenville 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 Greenville, GA?
- The average square footage in Greenville is around 723 Sq. Ft. which would cost you around $88,200 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $88,200
Location: Greenville, Georgia (Meriwether County)
Average Building Cost Per Square Foot in Greenville: $122 (low end)
Average Square Footage in Greenville: 723 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $88,200 |
| Some Additional Upgrades | $153 | $110,250 |
| Major Home Updates or Advancements | $183 | $132,300 |
The dwelling coverage is calculated by the average cost per square foot ($122) in Greenville, 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.