Columbus Insurance Rates:

Columbus, GA homeowners insurance is roughly $749 to $1,017, about $62-$84/month. Our exhaustive guide reveals consumers can save upto $353 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
Farmers insurance is there when you need their assistance. our farmers insurance agent was detailed and efficient in getting the work completed.
Allstate
I love the customer service of allstate. they are always available to talk and are very informative about any questions we might have.
Georgia Farm Bureau Insurance
I can pay the cost of covering my home just once a year and it isn't burdensome that way because the amount comes right around tax season.
Country Financial
I like that my agent was able to answer questions regarding the buying process and my needs prior to payment.
Southern Mutual Insurance Company
Southern mutual insurance company is known in our community as being a great company to purchase insurance from.
State Farm
I dislike that my agents are constantly changing and no one ever notifies us. It is truly frustrating finding out that I have a new agent and I wasn't notified.
Farmer's Insurance
The only thing I dislike is the high cost and the time it takes to get an agent on the phone. But the service I receive over the phone is great compared to every other company I’ve had to deal with in the past.
Liberty Mutual
This was my first house and what I liked about Liberty was that they had the cheapest price, they also were the quickest to close the deal.
Farmer's Insurance
I like that the company is there for you when you need it. When you are on a tight budget, you want to make sure you are covered and any changes that may arise, you want to be notified about it. The company cares about their customers.
Allstate
I don't like making big payments for anything, so I guess my complaint would be that I don't like the premium prices, but I know that they're competitive, and I'm not being ripped off any more than every other insurance company would.
Metlife
cost-effective friendly relaxing protected explanatory thorough covered communication easy reputable nearby personal available fast reliable service full coverage discounts
Nationwide
Overall I am satisfied with Nationwide but the lack of communications with the agent is not as I expected
National General
I like the fact that the customer service is quick, friendly and professional when they are contacted and do try to resolve issues in a timely manner.
Allstate
The company makes it easy to work with them on issues when they arrive. However, the immediate communication when you bring up an issue is frustrating with customer service, but for the price we pay and the location, it is hard to get any better than this.
State Farm
I recommend you as it is very good and expensive and have a very good service
Geico
I found them online they are pretty standard and there is nothing special about them. I don't think i have any concern with them except for the cost.
Farmer's Insurance
The local office is very small and the people there are very nice and willing to do all they are able to do to make the business enjoyable. I have referred others to this agent.
American Home Shield
Pretty much what I have been saying all along. They cover me without fighting me, they have great customer service, and they have a very rapid response time.
Progressive
Overall I feel the company is user-friendly for the basics. Anything simple that I need to be done I can easily do on my own without much assistance. Mostly through the phone app.
State Farm
Being nationally known as stated above is a good thing, however with such a large company, one may experience a less than personable approach. I dislike my premium cost because I think it's rather high for someone who has never made a claim.

Columbus, GA Homeowners Insurance By Home Value

Columbus, GA Home Value Total Homes % of Total Average Columbus, GA Homeowners Insurance
Less than $50,000 2,960 7.0% $158
$50,000 to $59,999 1,235 3.0% $344
$60,000 to $69,999 1,494 4.0% $423
$70,000 to $79,999 2,033 5.0% $494
$80,000 to $89,999 2,539 6.0% $556
$90,000 to $99,999 2,459 6.0% $626
$100,000 to $124,999 5,456 14.0% $724
$125,000 to $149,999 4,547 12.0% $909
$150,000 to $174,999 4,148 11.0% $1077
$175,000 to $199,999 2,622 7.0% $1245
$200,000 to $249,999 3,412 9.0% $1492
$250,000 to $299,999 2,008 5.0% $1827
$300,000 to $399,999 2,323 6.0% $2322

Top Home Insurance Agents Near Columbus, GA

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

Cost Of Homeowners Insurance By Street Near Columbus, GA

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

Columbus, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Columbus$132 to $134
Muscogee County$132
Columbus East$130
Columbus North$136

Columbus, 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
Muscogee County, Georgia $132 $176 $264
Columbus East CCD, Muscogee County, Georgia $131 $174 $261
Columbus North CCD, Muscogee County, Georgia $137 $182 $273

Columbus, 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
Columbus, GA6.0%21.8%
Muscogee County6.03%21.83%
Columbus East6.4%22.43%
Columbus North5.12%19.79%

Columbus Renters Insurance as a Percentage of Rent

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

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

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

Columbus, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Columbus, GA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Columbus Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceState Farm
Monthly Premium 404240
Year Built 199219862004
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $100000-$125000$125000-$150000$100000-$125000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 325,000 Membrane Roof 4,160 5 $2500-$5000 Deductible 230 3 Stone Siding No
1994 130,000 Wood Shake Roof 1,600 3 $1000-$2500 Deductible 80 2 Wood siding yes
2001 145,000 Shingles Roof 1,560 5 $2500-$5000 Deductible 440 10 Vinyl siding yes
1969 95,000 Composition Roof 1,050 2 $500 Deductible 40 1 Brick siding yes
1998 145,000 Composition Roof 2,160 3 $1000-$2500 Deductible 390 8 Stucco siding No
2006 130,000 Membrane Roof 1,480 2 $500 Deductible 390 7 Stone Siding No
1972 135,000 Wood Shake Roof 1,960 3 $1000-$2500 Deductible 90 2 Stone Siding yes
2002 290,000 Composition Roof 3,780 5 $500- $1000 Deductible 420 5 Brick siding yes
1989 125,000 Tile Roof 1,590 2 $1000-$2500 Deductible 460 9 Vinyl siding yes
1998 210,000 Tile Roof 2,330 4 $1000-$2500 Deductible 260 4 Vinyl siding No
1965 165,000 Membrane Roof 1,870 3 $500- $1000 Deductible 300 5 Fiber-Cement Siding yes
2009 270,000 Composition Roof 3,280 4 $2500-$5000 Deductible 1060 12 Brick siding No
1990 225,000 Membrane Roof 2,830 5 $1000-$2500 Deductible 690 10 Wood siding No
2003 140,000 Slate Shingles Roof 1,700 3 $500- $1000 Deductible 290 7 Fiber-Cement Siding yes
1984 160,000 Wood Shake Roof 1,720 3 $500- $1000 Deductible 390 8 Wood siding yes
1985 140,000 Membrane Roof 1,430 3 $500 Deductible 640 12 Brick siding yes
1974 205,000 Wood Shake Roof 2,310 3 $2500-$5000 Deductible 670 12 Stone Siding No
1984 130,000 Asphalt Shingles Roof 1,460 3 $500- $1000 Deductible 430 9 Stucco siding yes
1984 100,000 Composition Roof 1,210 3 $500- $1000 Deductible 340 9 Stone Siding yes
1979 200,000 Slate Shingles Roof 2,350 4 $1000-$2500 Deductible 90 1 Fiber-Cement Siding yes
2004 180,000 Membrane Roof 1,890 3 $500- $1000 Deductible 490 7 Stucco siding No
1977 155,000 Composition Roof 1,700 3 $1000-$2500 Deductible 660 12 Stucco siding No
1994 185,000 Asphalt Shingles Roof 1,940 5 $500 Deductible 280 3 Fiber-Cement Siding No
2009 240,000 Metal Roof 3,070 5 > $10,000 Deductible 480 10 Brick siding yes
1987 105,000 Tile Roof 1,060 2 $2500-$5000 Deductible 370 12 Stucco siding yes
1971 125,000 Membrane Roof 1,280 2 $2500-$5000 Deductible 140 4 Fiber-Cement Siding yes
1992 120,000 Composition Roof 1,230 2 $2500-$5000 Deductible 330 10 Vinyl siding No
2012 130,000 Tile Roof 1,600 2 $2500-$5000 Deductible 300 9 Vinyl siding No
1951 110,000 Wood Shake Roof 1,306 2 > $10,000 Deductible 350 7 Wood siding No