Hephzibah Insurance Rates:

Hephzibah, GA homeowners insurance is roughly $737 to $1,002, about $61-$83/month. Our complete guide indicates shoppers can save upto $347 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
They are a good company with reasonable hold times. i do not remember having to wait more than a few minutes any time that i have called them. i do like the fast service.
Encompass Insurance
While it is nice to have one dedicated person to talk to, this often leads to informal interactions with the agent which can cause worry or stress about the professional demeanor of the business
Liberty Mutual
Liberty mutual is very easy to get in touch with. whenever we need to find out information on our policy, they always answer the phone and have knowledgeable agents available to work with us quickly.
State Farm
My experience with customer service primarily has to do with claims. The company excels in this regard and provides lots of help and rapid resolution to issues.
Geico
They have always exhibited good communication and been very transparent about any changes. They are quick to notify me of anything that might affect me and my policy.
State Farm
The only thing I would potentially dislike is that they might be more expensive than other companies but they are not out of affordability so I do not look elsewhere.
Allstate
the all-state company has always been great to me and I think is the number one home insurances ever
State Farm
I only disliked the fact that the company tried to cancel my policy based off the fact that one of my bedrooms had chipped pint on the ceiling.
State Farm
State Farm agents are knowledgeable and friendly. I have never had an issue that could not be resolved. Most inquiries are responded to the same business day.

Hephzibah, GA Homeowners Insurance By Home Value

Hephzibah, GA Home Value Total Homes % of Total Average Hephzibah, GA Homeowners Insurance
Less than $50,000 755 14.0% $199
$50,000 to $59,999 309 5.0% $417
$60,000 to $69,999 156 2.0% $512
$70,000 to $79,999 337 6.0% $599
$80,000 to $89,999 456 8.0% $677
$90,000 to $99,999 323 6.0% $756
$100,000 to $124,999 1,057 19.0% $877
$125,000 to $149,999 565 10.0% $1094
$150,000 to $174,999 602 11.0% $1294
$175,000 to $199,999 284 5.0% $1494
$200,000 to $249,999 197 3.0% $1798
$250,000 to $299,999 166 3.0% $2198
$300,000 to $399,999 95 1.0% $2798

Top Home Insurance Agents Near Hephzibah, GA

Home Insurance Company Near Hephzibah, GA Homeowners Insurance Agency Near Hephzibah, GA Address
NA Dawson, Taylor & Company 525 W 6Th St, Waynesboro, GA, 30830
Allstate Dale Villemain 4015 Washington Rd Ste J, Martinez, GA, 30907
Travelers Ea-Watson & Knox Inc 139 MAIN ST, THOMSON, GA, 30824
Liberty Mutual Independent Hutson-Etherredge Companies 129 PARK AVENUE SW, AIKEN, SC, 29802
Allstate Pat Nelson 205 N Belair Rd # A, Evans, GA, 30809

Cost Of Homeowners Insurance By Street Near Hephzibah, GA

Streets in Hephzibah Area Homeowners Insurance Cost
Lakeside Pass, Patriot Dr, Helmly Dr, Reynolds Rd, Wilson Rd, Trunnion Dr, Cemetary St, Marbrisa Ct, Goshen Clubhouse Dr, Circle Dr$856
Creekside Ct, Patterson Rd, Sheffield Ct, Horseshoe Cir, Rambling Rose Cir N, Ascot Rd, Brown Rd, Hallman Dr, County Line Rd, Church St$876
Goshen Lake Dr N, Burning Tree Ct, Nashau Ct, Oak Ridge Plantation Rd, Moseley Rd, Story Mill Estate Dr, Youngblood Dr, Vantage Ct, Reynolds St, Camp Josey Rd$882
Council Rd, Union Grove Cir, Tracy Dr, Pineview Ln, Tracy Rd, Woodberry Dr, Patterson Bridge Rd, Traylor St, Parker Rd, Grindstone Creek$857
Condado Pl, Clements Dr, Keron Way, N Goshen Lake Dr, Academy St, Ridgedale Rd, Mc Millan Dr, Pitchwood Way, Carroll Dr, Fulcher Rd$875

Hephzibah, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hephzibah$130 to $132
Gracewood$130
Blythe$128
Keysville$127

Hephzibah, 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
Gracewood CCD, Richmond County, Georgia $108 $144 $216
Richmond County, Georgia $108 $144 $216
Augusta-Richmond County consolidated government (balance), Georgia $108 $144 $216

Hephzibah, 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
Hephzibah, GA6.1%20.6%
Gracewood6.24%19.42%
Richmond County6.48%19.58%
Augusta-Richmond County consolidated government6.5%19.58%

Hephzibah Renters Insurance as a Percentage of Rent

Hephzibah Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 135 12.0% $1275
$500 to $749 340 30.0% $1950
$750 to $999 544 48.0% $2700
$1,000 to $1,499 99 8.0% $3825

Hephzibah, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$4,400
Yearly Hephzibah Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,400$4,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,200$10,700
Net Savings to Hephzibah Home Owner from High Deductible Plan $500

Hephzibah, GA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hephzibah, GA Home Replacement Value MORE than Home Value Hephzibah, GA Home Replacement Value LESS than Home Value
Replacement Value $116,500 $77,000
Insurance Premium based on Replacement Value $575 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,500 Risk Exposure from Under Insuring Coverage is $27,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $75/year

Example Hephzibah Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAllstateTravelers
Monthly Premium 418253
Year Built 198819912011
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $150000-$175000$200000-$250000$125000-$150000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 255,000 Composition Roof 2,940 4 $2500-$5000 Deductible 470 6 Vinyl siding yes
2010 115,000 Asphalt Shingles Roof 1,660 4 $2500-$5000 Deductible 290 7 Fiber-Cement Siding yes
2009 140,000 Metal Roof 1,590 5 $1000-$2500 Deductible 120 2 Vinyl siding yes
2002 75,000 Shingles Roof 1,250 3 $500- $1000 Deductible 30 1 Fiber-Cement Siding yes
1995 155,000 Wood Shake Roof 2,440 4 $1000-$2500 Deductible 380 5 Fiber-Cement Siding yes
2007 190,000 Wood Shake Roof 2,190 5 $1000-$2500 Deductible 120 2 Brick siding No
1987 380,000 Metal Roof 4,570 5 $500- $1000 Deductible 1440 9 Brick siding No
2001 305,000 Metal Roof 4,150 5 $500- $1000 Deductible 110 1 Stone Siding No
1986 275,000 Shingles Roof 4,420 5 $500 Deductible 770 6 Stucco siding No
1981 300,000 Asphalt Shingles Roof 3,950 5 $500 Deductible 290 3 Stone Siding No
1986 225,000 Shingles Roof 3,510 5 $500 Deductible 410 3 Wood siding yes
2002 185,000 Shingles Roof 2,150 4 $5000 to $10,000 Deductible 300 7 Stone Siding No
1989 325,000 Membrane Roof 3,930 5 $500 Deductible 900 7 Stucco siding No
2008 250,000 Slate Shingles Roof 3,370 4 $500- $1000 Deductible 100 1 Stone Siding No
2014 130,000 Membrane Roof 1,990 3 $500- $1000 Deductible 310 7 Wood siding yes
1985 170,000 Composition Roof 2,140 4 $2500-$5000 Deductible 50 1 Stone Siding yes
2014 280,000 Metal Roof 3,290 5 $500- $1000 Deductible 320 4 Stone Siding yes
2006 110,000 Slate Shingles Roof 1,750 3 $500 Deductible 420 9 Stone Siding yes
2004 175,000 Composition Roof 2,700 4 $500- $1000 Deductible 520 6 Vinyl siding yes
2001 85,000 Tile Roof 1,220 3 $2500-$5000 Deductible 120 4 Wood siding yes
2006 115,000 Membrane Roof 1,540 5 $500- $1000 Deductible 290 7 Fiber-Cement Siding yes
1982 240,000 Asphalt Shingles Roof 2,750 5 $2500-$5000 Deductible 440 8 Wood siding No
1994 140,000 Tile Roof 2,230 3 $2500-$5000 Deductible 130 3 Fiber-Cement Siding yes
2009 185,000 Slate Shingles Roof 2,100 4 $1000-$2500 Deductible 870 10 Vinyl siding No
2011 205,000 Composition Roof 2,610 4 $1000-$2500 Deductible 700 9 Vinyl siding No
2011 220,000 Metal Roof 2,530 4 $500 Deductible 400 3 Wood siding yes
1986 320,000 Membrane Roof 4,920 5 $2500-$5000 Deductible 260 3 Stucco siding No
2013 140,000 Tile Roof 1,970 3 $500 Deductible 180 3 Stone Siding No
1998 155,000 Slate Shingles Roof 2,510 4 $500- $1000 Deductible 150 3 Wood siding yes
1999 210,000 Wood Shake Roof 3,200 4 $500 Deductible 780 12 Brick siding yes
1989 110,000 Asphalt Shingles Roof 1,330 3 $500 Deductible 220 4 Fiber-Cement Siding No
1993 155,000 Shingles Roof 2,310 3 $1000-$2500 Deductible 290 5 Stucco siding yes
2014 220,000 Tile Roof 2,900 5 $2500-$5000 Deductible 320 4 Vinyl siding No
1991 125,000 Membrane Roof 1,520 5 $1000-$2500 Deductible 140 3 Wood siding No