Mcrae Helena, GA Homeowners Insurance Rate Quotes!

Are you looking for the best home insurance rates in Mcrae Helena, GA? Although price is the #1 factor for homeowners when it comes to shopping for a new home insurance policy, the most important is having the right coverage and protection for your home and family. If you want to save more money on your Mcrae Helena home insurance premium, try applying the following homeowners insurance discounts and credits when comparing multiple rates, you may realize that there are additional discounts available other than the common deadbolt, smoke detector or security alarm. All of these possible discount items can help you save up to 40% on your home insurance policy. For fast quotes, please call us at 1-855-976-2656 or get quotes online for free and let our local Mcrae Helena home insurance professional help you find the affordable rates you are looking for!

Buying a Mcrae Helena, GA Homeowners Policy

Many homeowners in Mcrae Helena are not sure what is covered under a basic homeowners (HO-3) policy. Here are the most important coverage details that you need when a standard policy. Also below we have included some coverage options that may be required in addition to your policy for that added protection.

Standard Coverage

1. Fire and Lightning - home fires or weather related claims due to thunderstorms
2. Water Damage and Freezing Temperatures - plumbing issues or harsh cold winters
3. Theft
4. Bodily Injury

Additional Protection

1. Wind and Hail - high winds and hail damage account for the majority of claims every year.
2. Earthquake - some mortgage providers require you to purchase earthquake insurance.
3. Flooding - if your home is in a flood zone, your mortgage lender will require you to purchase a flood insurance policy.

When shopping and comparing homeowners insurance quotes online, it's also very important to have all your questions answered before purchasing a policy. This is why our quoting service provides the highest quality in customer care and free insurance consulting services. We want to help you discover affordable rates, but also help you find the protection you need for your Mcrae Helena home.

How much is home insurance in Mcrae Helena, GA?

Finding cheaper premiums in Mcrae Helena is now much easier for local residents thanks to GetHomeInsuranceQuotes.com. Many homeowners often ask how their current premium ranks compared to other homeowners throughout the state. Mcrae Helena homeowners are seeing rates as low as $785.00 per year. Average home insurance rates with good coverage and a 1800 square foot home are seeing rates around the $1,035.00 per year which is only $86.00 per month. Higher-end homes that are much larger than 2800 square feet require more replacement cost coverage, so those rates are in the $1,335.00 range per year. It's important to know that these average homeowners insurance rates reflect the cost of a standard HO-3 home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. As mentioned above, please understand that a basic homeowners insurance policy does not include flood or earthquake protection.

The best home insurance coverage includes an affordable rate with the protection you need. At GetHomeInsuranceQuotes.com, our licensed agents can provide up to 12 competitive home insurance quotes for you to review. And our free consulting service allows us to answer any questions that you may have about which policy is best for your family and home located in Mcrae Helena.

Mcrae Helena City Demographics

Location of Mcrae Helena, GA (TELFAIR County)

• Total Population: 25,116
• Occupied Residents: 7,766
• Average Price of a Home Per Zip Code: $70,150

Compare Homeowners Insurance Rates in Mcrae Helena, GA!

Our Quoting Service in Mcrae Helena

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 Mcrae Helena, 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

Compare and Save on Georgia Homeowners Insurance Today!

Average Rates Nearby Mcrae Helena

Are you looking for homeowners insurance in a city near Mcrae Helena? 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 Mcrae Helena, GA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Mcrae Helena.

31037,     31055,     

Homeowners insurance will help cover the cost to repair or replace your Mcrae Helena 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 Mcrae Helena
• 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.

Saving Money Tips on Mcrae Helena Home Insurance

A great way to save money on Mcrae Helena 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 Mcrae Helena area? Check out what homeowners are paying on average for Georgia homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Mcrae Helena, 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 Telfair County.

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