Albany Insurance Rates:

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.

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Latest Home Insurance Reviews

Progressive
I have not had to really deal with anyone but I have chatted online a couple times and they seem to be helpful. I am hoping I will feel the same way if I really need them.
State Farm
There is nothing I dislike about State Farm. I am completely satisfied with all aspect of the service that I receive from them.
Farmer's Insurance
i like that farmers has the best customer service around and the best coverage. Whenever i call customer service, i have my questions answered then and there.
Nationwide
I have never had to use the customer service department of our insurance company, therefore I'm not sure if it is good or bad.
Metlife
The communication you receive is good. There are no complaints where that is concerned. They can be helpful
Allstate
It's a little bit cheaper, although not by much, compared to other insurance companies. I only looked at 2 other companies before going with Allstate however.
Georgia Farm Bureau Insurance
I would recommend Georgia Farm Bureau to all my friends. Their personal touch, including their corporate office, is still top in the industry.
Geico
Top notch customer service! Multiple avenues to get assistance, meaning I can get help whenever I need it. The app is quick and helpful, so easy to use.
Grange Insurance
I highly recommend using Grange for your home insurance needs. They have excellent customer service, great policy offerings, and low insurance premiums.
Allstate
My insurance has a better deductible and premium than other insurance companies I have looked at. I tried to find a better deal but this insurance company seemed to be the cheapest and most reliable.
Esurance
I like esurance because they know our time is valuable and they do not call every month and want to talk for long lengths like other insurance companies have in the past. they also were able to tell me exactly what i need without trying to add extra coverage.
State Farm
I think that someone that handles customer accounts should always call and schedule an appointment with the customer before renewing policies at a higher rate.
Country Financial
I really don't like about them, if i call them they try to sell me more insurance.

Albany, GA Homeowners Insurance By Home Value

Albany, GA Home Value Total Homes % of Total Average Albany, GA 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
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
Travelers The Farmers Agency Inc 114 N JOHNSON ST, ASHBURN, GA, 31714

Albany, GA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Albany, GA

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

Albany, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Albany$129 to $132
Dougherty County$129
East Dougherty$127
West Dougherty$131

Albany, GA Auto & Homeowners Insurance Bundling Discounts

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

Albany, GA Area 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

Average Cost Of Home Insurance By Company In Areas Nearby Albany For Different Scenarios

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

Albany, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Albany Homeowner Insurance Premium Example $900$500
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,100$6,900
Net Savings to Albany Home Owner from High Deductible Plan $1,200

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 $67,000 $44,000
Insurance Premium based on Replacement Value $325 $200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,000 Risk Exposure from Under Insuring Coverage is $11,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $75/year

Example Albany Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceLiberty MutualAmica Mutual Insurance Company
Monthly Premium 393934
Year Built 196520121976
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $100000-$125000$100000-$125000$125000-$150000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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
1993 100,000 Composition Roof 1,510 3 $500 Deductible 350 9 Stucco siding yes
2002 95,000 Wood Shake Roof 1,620 4 $500 Deductible 580 12 Stucco siding yes
1977 85,000 Metal Roof 1,110 2 $2500-$5000 Deductible 180 8 Brick siding yes
2011 130,000 Shingles Roof 1,700 3 $2500-$5000 Deductible 430 9 Fiber-Cement Siding No
1961 80,000 Slate Shingles Roof 1,310 2 $500- $1000 Deductible 220 7 Stone Siding yes
1980 80,000 Wood Shake Roof 1,300 2 $2500-$5000 Deductible 140 5 Vinyl siding No
1994 135,000 Metal Roof 2,180 4 $2500-$5000 Deductible 100 2 Stone Siding No
2009 125,000 Tile Roof 1,620 4 $1000-$2500 Deductible 40 1 Brick siding yes
1990 105,000 Shingles Roof 1,590 3 $1000-$2500 Deductible 30 1 Vinyl siding yes
2014 110,000 Metal Roof 1,790 2 $2500-$5000 Deductible 340 12 Vinyl siding yes
1992 140,000 Slate Shingles Roof 2,290 4 $2500-$5000 Deductible 310 10 Wood siding No
1980 135,000 Metal Roof 2,280 4 $500 Deductible 280 7 Fiber-Cement Siding No
2012 105,000 Metal Roof 1,740 2 $2500-$5000 Deductible 500 12 Brick siding yes
1993 95,000 Tile Roof 1,200 2 $2500-$5000 Deductible 170 6 Vinyl siding No
1998 120,000 Metal Roof 1,550 2 $1000-$2500 Deductible 480 10 Stucco siding yes
1978 105,000 Asphalt Shingles Roof 1,310 3 $1000-$2500 Deductible 280 9 Stucco siding yes
2011 135,000 Asphalt Shingles Roof 1,710 3 $2500-$5000 Deductible 350 9 Fiber-Cement Siding yes
1997 55,000 Wood Shake Roof 1,010 2 $2500-$5000 Deductible 20 2 Brick siding yes
2013 85,000 Metal Roof 1,460 2 $2500-$5000 Deductible 30 1 Wood siding No
2004 145,000 Tile Roof 1,860 4 $1000-$2500 Deductible 130 4 Wood siding yes
1976 170,000 Wood Shake Roof 2,590 4 $500- $1000 Deductible 240 4 Stucco siding No
2012 120,000 Composition Roof 1,790 3 $500- $1000 Deductible 220 5 Stone Siding No
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

Find Visual Guide for Albany, GA Home Insurance Buyers on Insurance Companies and Rates