West Green, GA Homeowners Insurance Rate Quotes!
In West Green there are over 782 people living in a variety of different styles of construction type housing and require different types of homeowners insurance coverage. While there are roughly 294 housing units in the West Green area, many of the ones that are currently occupied are in need of cheaper or lower rates. In the majority of these West Green neighborhoods, the average family size is around 3 residents living per house.
The average household income in West Green is about $37,245. While this is a fairly high number, it is slightly below the national median. Luckily, the cost of housing in West Green is fairly reasonable, the average listing price is around $114,600.
Finding Cheaper Home Insurance Rates in West Green
In West Green, homeowners are finding affordable home insurance rates in the range of $1,057 per year. With discounts applied and the right coverage options, homes around the 1,800 square footage size are seeing rates around $807 per year. More expensive homes that require high replacement cost value are seeing rates around the $1,357 per year range. It is important to know which coverage type you need for your home. Let us shop the best rates and coverages while appling all the discounts needed to help you save the most on your new homeowners insurance policy.
Below are some of the most common insurance types for homeowners in the city of West Green:
What is an HO-3 policy include if you live in West Green?
The most common of homeowners coverage is the HO-3. The majority of homeowners carry this type of policy and it covers damage that is caused by all perils unless they are excluded in the body of the policy. Damage that is caused by floods or earthquakes is always excluded on an HO-3 policy but there can be other exclusions as well.
Do I need an HO-6 policy for my condo in West Green, GA?
Yes, HO-6 policies are fitted for covering condos. Condos are becoming a popular housing option in West Green and if you have one, then you need an HO-6 coverage type. In addition to covering your condo, this type of policy also protects co-ops. This insurance offers coverage for your personal belongings as well as the components of the building that you actually own.
I live in the historical district of downtown West Green, what type of coverage do I need?
West Green is lucky to have a fair number of historical homes and if you own one, you may need a HO-8 policy. These policy types are specific to older homes where the replacement cost of the house may actually exceed the cash value of the home. The replacement cost may be higher because of the additional work and material needed to restore the home to it's historical detail and value.
These policies are affordable because the payout levels are less than the actual replacement cost of the house. In most cases, the need for an HO-8 policy arises when the house is more than 40 years old and doesn’t qualify for a HO-3 policy. These policies only cover 11 perils.
I am renting a home in West Green, what type of coverage do I need?
An HO-4 policy type was designed for people that rent an apartment. It is often referred to as renters insurance. An HO-4 policy will pay out for damage to your personal property in your apartment and it also offers liability protection in the event that someone is injured in your apartment.
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Our Quoting Service in West Green
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 West Green, 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 West Green
Are you looking for homeowners insurance in a city near West Green? 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 West Green, GA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in West Green.
West Green, GA Home Insurance Average Premiums
$807 /yr.
For the city of West Green, 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) | $807 /yr. |
| Average Coverage: | $1057 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1357 /yr. |
What is the average home insurance cost for a home in West Green, GA?
- • The average homeowners insurance premium paid annually for a home in West Green is around $1057 per year.
What does it cost on average per month for home insurance in West Green, GA?
- • Homeowners in West Green pay an average cost per month around $88.00 for insurance coverage.
West Green, GA Coastal Wind, Hail & Flood Information
West Green 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.
West Green, GA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $115,651 | $0 |
| February | $118,517 | $113,447 |
| March | $121,438 | $111,970 |
| April | $122,127 | $111,626 |
Homeowners insurance will help cover the cost to repair or replace your West Green 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 West Green
- 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 West Green Home Insurance
A great way to save money on West Green 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 West Green 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 |
|---|---|---|
| 237 ft. | This is the average home elevation in West Green, 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 West Green, 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 West Green, 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 Coffee 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 […]
West Green, GA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in West Green 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 West Green, GA?
- The average square footage in West Green is around 939 Sq. Ft. which would cost you around $114,600 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $114,600
Location: West Green, Georgia (Coffee County)
Average Building Cost Per Square Foot in West Green: $122 (low end)
Average Square Footage in West Green: 939 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $114,600 |
| Some Additional Upgrades | $153 | $143,250 |
| Major Home Updates or Advancements | $183 | $171,900 |
The dwelling coverage is calculated by the average cost per square foot ($122) in West Green, 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.