Alma Insurance Rates:

Alma, GA home insurance is about $712 to $976, about $59-$81/month. Our detailed research indicates shoppers can save as much as $337 by getting different quotes

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Alma Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $330/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Bath 3160 sqft Vacation Property Constructed In 2006 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $30/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

4 Beds, 4 Baths 1960 sqft Primary Residence Constructed In 1964 with Linoleum, Slate Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $110/5 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Bath 1680 sqft Seasonal Residence Constructed In 1971 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $20/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $85,000

3 Beds, 3 Baths 1980 sqft Primary Residence Constructed In 2008 with Stone Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 3370 sqft Seasonal Residence Constructed In 1996 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $690/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

5 Beds, 5 Baths 4870 sqft Seasonal Residence Constructed In 2006 with Wood Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Married Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Baths 3470 sqft Rental Property Constructed In 1990 with Linoleum, Tile Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $620/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 3180 sqft Primary Residence Constructed In 1966 with Wood Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Alma, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
31510 $73,000 $850

Alma Rates & Quotes Analysis:

Alma Area Estimated House Insurance
Co Rd 218, Alder Ln, Pinewalk Ln, James M Lee Rd, Iowa River Rd, S Glynn St, Co Rd 314, Myra St, Spree Rd, Cypress Cir$842
Coral Rd, Grady Tanner Ln, China Rd, Fisherman's Rd, Altman Rd, Anderson Ln, Ports End Ln, Pine St, W 7th St, Arno Rd$845
Clover Ln, Pope Dr, Kight Ln, Biscayne Rd, N Dixon St, Nutmeg Rd, S Bead St, Elm Rd, Smith Dr, Old Alma Waycross Hwy$841
Pine Grove Rd, Snapper Rd, Lanier Dr, Gene Lewis Rd, Red River Ln, Friendship Church Rd, Ganges Rd, Meadow Rd, W 12th St, Co Rd 209$850
Lees Chapel Rd, Douglas Etate Rd, Johnnies Ln, Shad Rd, E 5th St, Elkie Taylor Ln, W 11th St, Clinch River Trl, Gulf Rd, Poplar St$848

Insurance rates are influenced by a number of factors including:

  • Year Built: 704 Homes (19% of total homes ) built between 1990 to 1999 in Alma are paying home insurance between $1,217-$1,230. Places close to Alma, GA such as Rockingham, Big Satilla Creek, Coffee County are more expensive by $45, $18, $13 respectively while Satilla and Graham are cheaper by $28 and $14 respectively for similar homes.
  • Bedrooms: 342 4 bedrooms homes (9% of total homes ) in Alma are paying about $1,105. Areas near to Alma such as Rockingham, Bacon County, Nicholls are costlier by $41, $17, $3 respectively whereas Denton and Graham are more economical by $4, $13 respectively for similar homes.
  • Auto Insurance Bundling: 490 Households (24% of all households) in Alma have 3 or more vehicles available and when it is bundled with home insurance you can save $211. Discounts for similar bundling in close by locations such as Rockingham, Bacon County, Nicholls come to $218, $212, $210 respectively.
  • Senior Discounts: 1,044 seniors (more than 55 years) occupied housing units (52% of total) in Alma get discounts between $125 to $127 in contrast with Rockingham ($131), Bacon County ($127), Nicholls ($126).
  • New Homes discounts: New homes such as the 1,148 homes built between 2000 to 2009 in Alma can save $168 and similar new home insurance discounts in nearby towns and cities like Rockingham, Bacon County and Nicholls are $175, $170 and $168 respectively.

Alma Homeowners insurance Facts

  • Alma, GA has 1,988 owner occupied houses which is 65.7% of all units whereas Rockingham, Bacon County and Nicholls have 76.43%, 68.33% and 77.19% respectively.
  • Alma, GA homeowners yearly insurance price at $844 is 1.36% of the typical house value of $62,100 which is in contrast with 0.74% in Rockingham, 1.19% at Bacon County & 1.57% in Nicholls.
  • Homeowners in Alma, GA pay 16.88% of their income (Less than $10,000) in insurance whereas homeowners in Rockingham, Bacon County and Nicholls pay 17.5%, 17.0% and 16.8% respectively.
  • Alma, GA’s insurance is 9.3% of monthly housing costs of $759/month, for owners with a mortgage compared to 6.96% in Rockingham, 8.89% at Bacon County & 8.68% in Nicholls. But, for households without a mortgage, insurance is 23.7% of costs ($297 in Alma, GA) in contrast with 21.45% in Rockingham, 23.3% at Bacon County & 29.29% in Nicholls.

Alma, GA Home Values & Insurance rates

For example, insurance for 27 Homes (1.0% of total homes ) valued between $300,000 to $399,999 in Alma, GA is about $4,751. Rates in nearby areas in such as Rockingham, Bacon County, Dixie Union are cheaper by $2,161, $603, $225 respectively while Nicholls and Axson are costlier by $742 and $469 respectively for similar homes.

Alma, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 870 43.0% $337
$50,000 to $59,999 91 4.0% $708
$60,000 to $69,999 159 7.0% $877
$70,000 to $79,999 245 12.0% $1012
$80,000 to $89,999 105 5.0% $1147
$90,000 to $99,999 42 2.0% $1282
$100,000 to $124,999 226 11.0% $1493
$125,000 to $149,999 38 1.0% $1865
$150,000 to $174,999 81 4.0% $2202
$175,000 to $199,999 37 1.0% $2540
$200,000 to $249,999 57 2.0% $3063
$300,000 to $399,999 27 1.0% $4751

Renters Insurance in Alma

  • Average Renters Insurance in Alma :  $365($30/month)

  • Median Gross Rent in Alma :  $522

  • Alma Renters Insurance to Median Rent Ratio:  5.75%

  • Renter occupied housing units in Alma :  1,037

Alma Renters Insurance as a Percentage of Rent

Alma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 14 1.0% $391
$200 to $299 107 13.0% $841
$300 to $499 245 30.0% $1291
$500 to $749 350 43.0% $1966
$750 to $999 84 10.0% $2716

Rent Affordability in Alma:

Approximately 55.0% (574) of households are spending more than 35% of their income on gross rent in Alma

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 152 14.0%
15.0 to 19.9 percent 64 6.0%
20.0 to 24.9 percent 128 12.0%
25.0 to 29.9 percent 96 9.0%
30.0 to 34.9 percent 23 2.0%
35.0 percent or more 574 55.0%

Alma Renters Insurance Discounts:

Alma Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Alma, GA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 464 44.0% $36.5
2 vehicles available 265 25.0% $54.75
3 or more vehicles available 141 13.0% $73.0

Protective device discount in Alma Up to :  $54

Claims-free discount in Alma Up to :  $73

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