Saint Marys, GA Home Insurance Quotes!
You can now easily compare up to 12 home insurance rates in Saint Marys, GA online without the hassle of multiple home insurance agents or companies calling you all at once. At GetHomeInsuranceQuotes.com, we provide superior service when it comes to finding cheaper rates with better coverage options. The majority of our carrier options are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more carriers that are very competitive in the Saint Marys area.
Getting multiple Georgia homeowners insurance quotes doesn't have to be a stressful burden. We make it easy for you to get the quotes you need fast so you have time to review, compare and save up to 40% or more on your new home insurance policy. Please visit our discounts and credits page to find out how you can save additional money on your home insurance premium to help make it more affordable. Our process will run multiple estimates to help you apply all the discounts available so we can help you bundle and package your home insurance coverage together. This process makes it easy for you to get the home insurance shopping done right the first time.
Our Saint Marys, GA Home Insurance Quoting Process
It's time to start saving time and money by shopping your policy with us. Lower rates are available for homeowners living in Saint Marys as low as $751 a year, so it's important to work with a Saint Marys homeowners insurance agent that knows the best carrier that's right for you and your family. Our process is simple and thousands of homeowners just like you enjoy our fast, free shopping service. Once you complete our quoting application, we will present up to 12 rates. We will also assign one licensed home insurance professional to help answer any questions that you may have. Enter your zip code and get your quotes today!
Homeownership in Saint Marys, GA
It's no secret that Saint Marys, GA has now reached over 17,121 residents in population size with 7,411 homes within the city of Saint Marys. The average number of homes per zip code in Saint Marys is around 7,411. With population density increasing, it's important to make sure your home has the proper coverage within your local neighborhood or district.
| Source | Value |
|---|---|
| Location: | Saint Marys, GA (CAMDEN County) |
| Population: | 17,121 |
| Occupied Residents: | 7,411 |
| Average Real Estate Value Per Zip Code: | $180,900 |
Homeowners Insurance Rates in Saint Marys
Common questions that we get from homeowners based out of Saint Marys, usually have to do with a comparision request of what they are currently paying per year for home insurance and what other homeowners in Camden County are also paying for the best home insurance coverage. Residents of Saint Marys, GA are currently paying $1,001 per year for homeowners insurance coverage on average, where the majority of the United States home insurance premiums are around $1,311. When we shop your policy, you can expect more affordable premiums that can be as low as $751 a year for great coverage with a great company. Homes that are larger in square footage require more replacement cost coverage so rates for a home above the 2500 square foot range are seeing rates around $1,301 a year. Most homeowners in your area are paying around $83 per month for a standard homeowners policy not including wind and hail insurance, flood or earth quake coverage. Those require a separate policy to help cover major damages to your home.
Compare Homeowners Insurance Rates in Saint Marys, GA!
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Our Quoting Service in Saint Marys
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 Saint Marys, 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 Saint Marys
Are you looking for homeowners insurance in a city near Saint Marys? 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 Saint Marys, GA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Saint Marys.
Saint Marys, GA Home Insurance Average Premiums
$751 /yr.
For the city of Saint Marys, 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) | $751 /yr. |
| Average Coverage: | $1001 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1301 /yr. |
What is the average home insurance cost for a home in Saint Marys, GA?
- • The average homeowners insurance premium paid annually for a home in Saint Marys is around $1001 per year.
What does it cost on average per month for home insurance in Saint Marys, GA?
- • Homeowners in Saint Marys pay an average cost per month around $83.00 for insurance coverage.
Saint Marys, GA Coastal Wind, Hail & Flood Information
Saint Marys is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Saint Marys is know for it's beautiful beaches and waterways. Because Camden County (FIPS: 13039) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Saint Marys, GA.
Saint Marys, GA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $276,739 | $250,690 |
| February | $277,125 | $255,210 |
| March | $278,248 | $259,799 |
| April | $279,995 | $264,247 |
Homeowners insurance will help cover the cost to repair or replace your Saint Marys 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 Saint Marys
- 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.
Get up to 12 competitive Saint Marys, GA homeowners insurance rates all in one place! |
Saving Money Tips on Saint Marys Home Insurance
A great way to save money on Saint Marys 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 Saint Marys 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 |
|---|---|---|
| 0 ft. | This is the average home elevation in Saint Marys, GA | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Saint Marys, Georgia. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Saint Marys, 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 Camden 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 […]
Saint Marys, GA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Saint Marys 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 Saint Marys, GA?
- The average square footage in Saint Marys is around 1,483 Sq. Ft. which would cost you around $180,900 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $180,900
Location: Saint Marys, Georgia (Camden County)
Average Building Cost Per Square Foot in Saint Marys: $122 (low end)
Average Square Footage in Saint Marys: 1,483 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $180,900 |
| Some Additional Upgrades | $153 | $226,125 |
| Major Home Updates or Advancements | $183 | $271,350 |
The dwelling coverage is calculated by the average cost per square foot ($122) in Saint Marys, 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.