Columbus Insurance Rates:

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.

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Home Insurance Companies in Columbus, GA: Customer-Reviewed Options


Columbus, GA Homeowners Insurance Rates by Coverage Level

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


Columbus, GA Homeowners Insurance Rates by ZIP Code

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


Columbus, GA Homeowners Insurance Deductibles

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



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

Columbus, GA Home Insurance Agents for Top Companies


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

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

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
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