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Albany, GA Home Values & Insurance Rates

Albany, GA Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,840 15.0% $216
$50,000 to $59,999 758 6.0% $457
$60,000 to $69,999 675 5.0% $561
$70,000 to $79,999 1,011 8.0% $648
$80,000 to $89,999 992 8.0% $734
$90,000 to $99,999 840 7.0% $829
$100,000 to $124,999 1,664 13.0% $959
$125,000 to $149,999 1,353 11.0% $1200
$150,000 to $174,999 1,172 9.0% $1416
$175,000 to $199,999 533 4.0% $1632
$200,000 to $249,999 526 4.0% $1969
$250,000 to $299,999 325 2.0% $2401
$300,000 to $399,999 206 1.0% $3049

Top Home Insurance Agents Near Albany, GA

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
NA R D Smith Ins Agcy 138 S Main St, Dawson, GA, 39842
NA Abundant Insurance Agency 490 South Main Street, Dawson, GA, 39842
NA Polite-Davis Insurance Agency 511 N Slappey Blvd, Albany, GA, 31701
Travelers Georgia Farm Bureau Brokerage Inc 302 N PECAN ST, CORDELE, GA, 31015

Estimated Home Insurance By Street Area Near Albany, GA

Albany Area Estimated House Insurance
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

Savings on home insurance for senior occupied homes

PlaceSavings
Albany$129 to $132
Dougherty County$129
East Dougherty$127
West Dougherty$131

Albany, GA Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Albany, GA6.5%18.6%
Dougherty County6.39%18.99%
East Dougherty7.25%21.35%
West Dougherty6.11%17.68%

Albany Renters Insurance as a Percentage of Rent

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

Albany, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Albany, GA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Albany Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersFarmers InsuranceAllstate
Monthly Premium 403640
Year Built 197520081993
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $75000-$100000$75000-$100000$200000-$250000
Deductible $500- $1000 Deductible$500- $1000 Deductible> $10,000 Deductible

Albany, GA Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Dougherty County, Georgia $108 $144 $216
East Dougherty CCD, Dougherty County, Georgia $107 $142 $213
West Dougherty CCD, Dougherty County, Georgia $109 $145 $218

Sample Home Insurance Rates for Albany, GA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 115,000 Asphalt Shingles Roof 1,530 3 $1000-$2500 Deductible 180 4 Brick siding yes
2005 150,000 Metal Roof 2,370 4 $2500-$5000 Deductible 250 6 Stucco siding yes
1979 155,000 Membrane Roof 1,920 3 $500- $1000 Deductible 320 7 Stucco siding yes
2001 185,000 Asphalt Shingles Roof 2,310 3 $1000-$2500 Deductible 410 9 Vinyl siding No
1964 180,000 Shingles Roof 2,700 4 $5000 to $10,000 Deductible 200 5 Brick siding yes
1995 220,000 Wood Shake Roof 2,710 4 > $10,000 Deductible 460 7 Stucco siding No
1997 160,000 Metal Roof 2,290 4 $1000-$2500 Deductible 210 4 Fiber-Cement Siding yes
2000 110,000 Slate Shingles Roof 1,780 4 $1000-$2500 Deductible 280 9 Stucco siding yes
1992 150,000 Composition Roof 1,840 4 $500 Deductible 380 6 Brick siding No
1964 165,000 Slate Shingles Roof 2,180 3 $1000-$2500 Deductible 170 3 Stone Siding No
2001 85,000 Wood Shake Roof 1,050 2 $500 Deductible 170 4 Vinyl siding yes
1990 120,000 Metal Roof 1,780 3 $500- $1000 Deductible 80 2 Stone Siding No
1981 130,000 Shingles Roof 2,016 3 $2500-$5000 Deductible 160 3 Vinyl siding No