Albany, GA homeowners insurance is approximately $733 to $996, about $61-$83/month. Our all inclusive research shows customers can save as much as $345 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Albany, GA | Homeowners Insurance Agency Near Albany, GA | Address |
|---|---|---|
| Travelers | The Farmers Agency Inc | 114 N JOHNSON ST, ASHBURN, GA, 31714 |
| Travelers | Georgia Farm Bureau Brokerage Inc | 302 N PECAN ST, CORDELE, GA, 31015 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Dougherty County, Georgia | $108 | $144 | $216 |
| East Dougherty CCD, Dougherty County, Georgia | $107 | $142 | $213 |
| West Dougherty CCD, Dougherty County, Georgia | $109 | $145 | $218 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Albany, GA | 6.5% | 18.6% |
| Dougherty County | 6.39% | 18.99% |
| East Dougherty | 7.25% | 21.35% |
| West Dougherty | 6.11% | 17.68% |
| Albany Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 332 | 1.0% | $378 |
| $200 to $299 | 639 | 3.0% | $828 |
| $300 to $499 | 2,500 | 14.0% | $1278 |
| $500 to $749 | 7,138 | 42.0% | $1953 |
| $750 to $999 | 4,945 | 29.0% | $2703 |
| $1,000 to $1,499 | 1,020 | 6.0% | $3828 |
| Streets in Albany Area | Homeowners Insurance Cost |
|---|---|
| E Alberson Dr, W Residence Ave, Holly Dr, N Carroll St, Rena Ave, Meadowbrook Ln, Kiokee Creek Ct, Doncaster Dr, Champion Ln, McIntosh Rd | $912 |
| The Circle, Mohawk Ct, E Tift Ave, Blue Ct, Wellington Dr, Wright St, Queens Rd, Duning Ln, Desert Ct, Crescent Dr | $898 |
| Crossbow Ct, Willis Dr, Columbia Ln, Wallington Dr, Hemlock Dr, Willow Wood Dr, Saint Andrews Dr, Curtis St, Empire Ave, Plum St | $865 |
| Higgins Dr, Rio Vista Ct, S County Line Rd, Wilder St, Ivy Ln, 15th Ave, Wheeler Ave, Hillside Ave, Sheila Ave, Upland Ct | $853 |
| Shoreham Dr, Lynn Ln, Maxwell Dr, Toni Lynne Ln, Cannon Ave, E Matthews Blvd, Regalwood Dr, Stoneridge Dr, Timber Ln, Patricia Dr | $841 |
| Crittenden Ln, Gadsden Dr, Churchill Dr, Manchester Dr, Malone Ave, Holly Dr, Dobbs Dr, Ashford Dr, Polaris Ln, 7th Ave | $899 |
| Savannah Ct, N Jefferson St, 10th Ave, Elsom St, Old Jim Davis Rd, Brookhollow Pkwy, S Shadowlawn Dr, Groveland Rd, 10th Ave, Morehouse Ln | $859 |
| Walker Ducker Station Rd, Kenworth Dr, Thrasher Ave, Turner Field Rd, N Cherokee Dr, Oliver Dr, Lines Dr, Mc Cray Dr, Walnut St, Flynn Ct | $850 |
| N Jackson St, Cedar Lake Ln, Hollis Dr, Berkshire Ct, Edgewood Ln, Estelle Ave, Denson Rd, Pick Ave, Woodbury Rd, Old Jim Davis Rd | $857 |
| Parker Ave, S Monroe St, Farkas Ln, S Front St, Mac Ewen Dr, Jewel St, Sylvester Hwy, Plains Dr, N Jackson St, Sweetbrier Rd | $850 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Albany | $129 to $132 |
| Dougherty County | $129 |
| East Dougherty | $127 |
| West Dougherty | $131 |
| Coverage | Construction type | Company | Premium | ||
|---|---|---|---|---|---|
| $250 Deductible | $500 Deductible | $1000 Deductible | |||
| $400,000 | veneer | American National General Insurance Company | N/A | $1394 | $1370 |
| $300,000 | veneer | Country Casualty Insurance Company | $1667.62 | $1477.74 | $1226.73 |
| $75,000 | frame | Farmers Insurance Exchange | N/A | $312.80 | $287.96 |
| $150,000 | veneer | Foremost Property And Casualty Insurance Company | $1203 | $1183 | $1148 |
| $300,000 | frame | Georgia Farm Bureau Casualty Insurance Company | $2224 | $2101 | $1832 |
| $350,000 | frame | Grange Property And Casualty Insurance Company | N/A | N/A | $1096 |
| $75,000 | frame | Grange Property And Casualty Insurance Company | N/A | N/A | $569.00 |
| $75,000 | veneer | Lm Insurance Corporation | N/A | $950 | $868 |
| $250,000 | frame | Pharmacists Mutual Insurance Company | N/A | $741 | $670 |
| $250,000 | veneer | State Farm Fire & Casualty Company | N/A | N/A | $2003.00 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $2,500 |
| Yearly Albany Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $1,500 | $2,500 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,900 | $7,300 |
| Net Savings to Albany Home Owner from High Deductible Plan | $600 | |
| Scenario | Albany, GA Home Replacement Value MORE than Home Value | Albany, GA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $198,000 | $129,000 |
| Insurance Premium based on Replacement Value | $825 | $550 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $48,000 | Risk Exposure from Under Insuring Coverage is $21,000 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $200/year |
| Insurance Company | Travelers | Farmers Insurance | Allstate |
| Monthly Premium | 40 | 36 | 40 |
| Year Built | 1975 | 2008 | 1993 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $75000-$100000 | $75000-$100000 | $200000-$250000 |
| Deductible | $500- $1000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |