Columbus ,GA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Columbus, GA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Columbus, GA is $1770. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Columbus, GA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Columbus, GA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $708 |
| $200,000 | $1,204 |
| $300,000 | $1,487 |
| $400,000 | $2,266 |
| $500,000 | $2,850 |
Home insurance costs in Columbus can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 031903 | $1,603 |
| 31909 | $1,689 |
| 31901 | $1,678 |
| 31904 | $1,695 |
| 31906 | $1,657 |
| 31907 | $1,651 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Columbus, GA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,815 |
| $1000 Deductible | $1,623 |
| $1500 Deductible | $1,531 |
| $2500 Deductible | $1,381 |
| $5000 Deductible | $1,168 |
| Home Insurance Company Near Columbus, GA | Homeowners Insurance Agency Near Columbus, GA | Address |
|---|---|---|
| NA | The Heritage Agcy Inc | 1610 Broad St. Phenix City, Phenx City, AL, 36868 |
| State Farm | Corey Lindsey | 6701 Flat Rock Rd, Midland, GA, 31820-3646 |
| State Farm | Dave Christie | 208 Church St, Lagrange, GA, 30240-2712 |
| Allstate | J Smith Lanier & Co | 314 W Main St, Manchester, GA, 31816 |
| Liberty Mutual Independent | Turners Insurance | 201 MIKE WILL RD, ELLAVILLE, GA, 31806 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Muscogee County, Georgia | $132 | $176 | $264 |
| Columbus East CCD, Muscogee County, Georgia | $131 | $174 | $261 |
| Columbus North CCD, Muscogee County, Georgia | $137 | $182 | $273 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Columbus, GA | 6.0% | 21.8% |
| Muscogee County | 6.03% | 21.83% |
| Columbus East | 6.4% | 22.43% |
| Columbus North | 5.12% | 19.79% |
| Columbus Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 549 | 1.0% | $367 |
| $200 to $299 | 1,329 | 4.0% | $817 |
| $300 to $499 | 4,006 | 12.0% | $1267 |
| $500 to $749 | 8,914 | 28.0% | $1942 |
| $750 to $999 | 8,906 | 28.0% | $2692 |
| $1,000 to $1,499 | 6,704 | 21.0% | $3817 |
| $1,500 or more | 1,359 | 4.0% | $5467 |
| Streets in Columbus Area | Homeowners Insurance Cost |
|---|---|
| New Campbellton Rd, Hunter Ridge Cir, River Rd, Fall Dr, Maudie Ln, Masters Ln, Matilda Ln, Wood Duck Ln, Appolo Dr, Stobe Dr | $889 |
| Hilldale Dr, Sealy Ln, Crawford Dr, Setter Ct, Bragg Smith St, Caribou Dr, Grand Ln, Green Island Dr, Rushin Dr, Johnston Dr | $957 |
| Springer St, Alamo Ct, 51st St, Preston Dr, Norton St, Vera Dr, Boulder Dr, Converse Dr, Egins Ct, Willowbrook Dr | $872 |
| Starlight Dr, Coronet Dr, Twin Chapel Dr, Kenwood Ave, Gunboat Dr, Ruby Dr, Gurley Dr, Oates Ave, Moye Rd, Linden Cir | $897 |
| Southlea Ct, 48th St, Grady Dr, Abingdon Ct, Michael Ave, Hale Dr, Stonewall Dr, Mt Pleasant Ct, Wise St, Yuchi St | $899 |
| Ragland St, Flournoy Dr, Bob-O-Link Dr, Heather Ct, Highridge Dr, Windbush Way, Woodmark Dr, Maplebrook Ct, Marlowe Dr, Samson Ave | $919 |
| Big Eddy Rd, Jottings Dr, Fairfield Dr, Nightwind Ct, Hays Dr, Lakewood Dr, Adams St, Beaver Ct, Parkman Ave, Autumn Trl | $894 |
| Birchfield Dr, Moller Ct, Athens Ct, Louise Dr, Glenn Rd, Magnolia Ave, Sunrise Ln, Owsley Ave, Treetop Ln, 10th Armored Division Rd | $883 |
| Thomas St, Sedgefield Ave, Kingfisher Dr, Mary Ann Dr, Jane Ln, Walking Stick Way, Chalbena Ave, N Oakley Dr, Peachtree Dr, Comer St | $857 |
| Wayside Ave, Bunker Hill Ct, Victoria Dr, Hiawatha Dr, 31st Ave, Convene Ct, Spruce St, Standing Boy Ct, Moon Cir, W Britt David Rd | $865 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Columbus | $132 to $134 |
| Muscogee County | $132 |
| Columbus East | $130 |
| Columbus North | $136 |
| Coverage | Construction type | Company | Premium | ||
|---|---|---|---|---|---|
| $250 Deductible | $500 Deductible | $1000 Deductible | |||
| $200,000 | frame | Country Casualty Insurance Company | $1371.87 | $1216.42 | $1008.70 |
| $100,000 | veneer | General Casualty Company Of Wisconsin | N/A | $393.00 | $361.00 |
| $200,000 | frame | Georgia Farm Bureau Casualty Insurance Company | $1650 | $1527 | $1258 |
| $250,000 | veneer | Grange Mutual Casualty Company | N/A | N/A | N/A |
| $200,000 | frame | Hanover Insurance Company | $1432 | $1117 | $960 |
| $200,000 | veneer | Horace Mann Property And Casualty Insurance Company | N/A | $1397.00 | $1260.00 |
| $200,000 | frame | Praetorian Insurance Company | N/A | $722 | $609 |
| $100,000 | veneer | State Auto Property And Casualty Insurance Company | N/A | N/A | $625.00 |
| $200,000 | frame | State Farm Fire & Casualty Company | N/A | N/A | $1923.00 |
| $150,000 | veneer | State Farm Fire & Casualty Company | N/A | N/A | $1439.00 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Columbus Homeowner Insurance Premium Example | $1,700 | $1,200 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $9,200 | $7,700 |
| Net Savings to Columbus Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Columbus, GA Home Replacement Value MORE than Home Value | Columbus, GA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $185,000 | $124,500 |
| Insurance Premium based on Replacement Value | $925 | $625 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $23,500 | Risk Exposure from Under Insuring Coverage is $37,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $125/year |
| Insurance Company | Amica Mutual Insurance Company | Nationwide Insurance | State Farm |
| Monthly Premium | 40 | 42 | 40 |
| Year Built | 1992 | 1986 | 2004 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $100000-$125000 | $125000-$150000 | $100000-$125000 |
| Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible | $500 Deductible |