Macon Insurance Rates:

Macon, GA homeowners insurance is nearly $731 to $990, about $60-$82/month. Our comprehensive analysis indicates shoppers can save as much as $344 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Overall a very good company. They give me the coverage I need at an affordable price. They keep the hassle to a minimum and I feel like they're always ready for any questions or concerns that I have.
State Farm
The very purpose of insurance will be defeated if you do not get a claim when it ... to choose a company who is well equipped to assist you at any point of time.
i will recommend this company because it is a very good insurance company, they make you convenient and feel safe
State Farm
My home insurance policy is very helpful to make own house. I am very happy to take home insurance policy. This company satisfied to all customers
Farmer's Insurance
Farmers insurance group has a fast and friendly insurance claim response team. Every time I've personally had a claim, they have handled it very well. The coverage offered is great for the rates they charge.
They have been our insurance company for over 20 years. The agents are very knowledgeable and are very helpful whenever I have a question. Never a waiting time to talk to someone.
Donegal Mutual Insurance Company
A turn off of donegal is it is more unknown. you don't know the reputation of the company as much as you would with a larger, more well-known named business.
A higher deductible means a reduced cost in your insurance premium. ... A higher deductible of $1,000 means your company would then be covering you for only $4,000.
The deductible and comprehensive / collision is fair, it pays easily (they write you a check after surveying the damages or fully fix the problem), and cover many things such as hail and vandalism. Overall, it's a pretty good.
I would recommend the company because they have cheap prices for basic coverage.
My premium and deductible are standard and doable for me. On a scale of 1 to 5, where 5 means you are completely satisfied with the premium, and 1 means you are completely dissatisfied: 4.
State Farm
The policy we currently have is the best on the market when compared to others on everything that is covered. We added flood insurance much cheaper than most.
I would recommend them because their premiums hardly change and as a matter of fact at sometimes they have reduced significantly compared to friends insurance that i have asked about.
State Farm
They cover weather-related incidents, thefts, vandalisms, and unintentional losses. It is, in my opinion, pretty standard coverage compared to other insurance providers.
The premium is typically the bottom line for me. I look for the lowest premium along with the lowest possible deductible. Progressive offers both.
All in all my premium is lower than most offered at roughly 75$ a month. The deductible is where i save money because the same premium with other companies would have doubled my deductible if not tripled.
The price of my plan is cheaper since I bundley insurance with my cars. I save hundreds in comparison to similar coverage policies for my home. I save money since I have not had a claim in a few years.
Agent for my home insurance is great, couldn't be happier with her. she is always calling to update my coverage's.
State Farm
The state farm insurance company is the high cost when your second buy the insurance, the agent would tell you why it is up to the cost, i think it is fake.
Grange Insurance
I guess the thing that had me go with Grange was the fact that they were the cheapest around and that was really the only reason I wanted to go with them
Georgia Farm Bureau Insurance
I did not have any problems with customer service. All persons I spoke with over the phone were courteous and prompt in answering all of my questions.
State Farm
What I dislike about State Farm's website is the process it takes to speak to a live representative, especially how long it takes to reach the specific agent who works in my case. There is no personalize option, you have to go to the help forum and support page to find answers in the FAQ or submit a support ticket. There is no direct way to contact someone other than calling which is not always an option depending on where you are at the time
I would recommend this company because they were very helpful and informative when I spoke with them on the phone about their policy options.
vary good service, been with them my whole life. People are vary cooperative and couldnt ask for better coverage.
I am really happy with the customer service offered by my insurance.Whenever we have any issues at our home or any queries regarding my insurance coverage we will call our customer service.

Macon, GA Homeowners Insurance By Home Value

Macon, GA Home Value Total Homes % of Total Average Macon, GA Homeowners Insurance
Less than $50,000 2,413 16.0% $232
$50,000 to $59,999 1,118 7.0% $490
$60,000 to $69,999 1,055 7.0% $602
$70,000 to $79,999 1,412 9.0% $696
$80,000 to $89,999 1,373 9.0% $791
$90,000 to $99,999 985 6.0% $885
$100,000 to $124,999 2,102 14.0% $1023
$125,000 to $149,999 1,365 9.0% $1281
$150,000 to $174,999 1,025 7.0% $1522
$175,000 to $199,999 722 4.0% $1754
$200,000 to $249,999 464 3.0% $2107
$250,000 to $299,999 289 1.0% $2580
$300,000 to $399,999 290 1.0% $3276

Top Home Insurance Agents Near Macon, GA

Home Insurance Company Near Macon, GA Homeowners Insurance Agency Near Macon, GA Address
NA Pound Insurance Associates 214 Southern Ave, Monticello, GA, 31064
Travelers Georgia Farm Bureau Brokerage Inc 106 N MADISON AVE, EATONTON, GA, 31024
State Farm Jimmy Spinks 1410 Russell Pkwy, Warner Robins, GA, 31088-5563
State Farm Judy Yielding 8224 Highway 16 West, Monticello, GA, 31064-7704
Travelers The Cole Agency Inc 319 WALNUT ST, MONTEZUMA, GA, 31063

Macon, GA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Macon, GA

Streets in Macon Area Homeowners Insurance Cost
Hawthorne Trl, Azalea Dr, Cherry St, Niagara Ave, Clinton Rd, Thunderbird Rd, Emily St, Riley Ave, Deerwood Pl, Thomas St$846
Friar Ct, Shamrock St, Lundy Ct, Cole St, Hydrolia St, Barfield Rd, Bobby Jones Cir, Plumtree St, Ashford Chase Ct, Bond St$874
Jefferson St, Fellowship Dr, Dempsey Ave, Petunia Ave, Oxford Dr, Emily Pl, Tarver Ct, Trojan Trl, Victoria Cir, Trudia Dr$848
Neal Dr, Sherrill Dr, Grand Ave, Saint John's Pl, Pringle St, Shermount Dr, Woodmont Dr, Atkins Dr, Telfair Street Ln, Willow Ln$873
Essex Rd, Wilson Rd, Blackmon Ave, Wells Dr, Coleman Ln, Embassy Ct, Rose Ave, Wise Rd, Roy St, Brookdale Ct$843
Rogers Ave, York Pl, Flewellyn Ct, Massey Rd, Pierce Ave S, Alice Pl, Forsyth St, Glenn St, Springdale Woods Dr, Mickey St$858
Wellwood Ln, Jackson Street Ln, Shaw St, Burrus Rd, Vinson Robinson Rd, W Ormond Ter, Rosa Taylor Dr, Middle St, Armstrong Dr N, Lions Pl$881
Pierce Dr W, Poppy Ave, Elkton Pl, S Millerfield Rd, Grace Ave, Tinsley Ln, Willis Ct, Jones St Ln, Audubon Cir, Emory Greene Dr$880
Shawnee Ln, Case St, Roy Ave, Wyche St Ln, Jones Ave, New St, Heathers Glenn Dr, McKay Dr, Huff Ln, Ash St$848
Armory Dr, Adkins Ave, Shaw Dr, Ruben Dr, W Breckinridge, Larkwood Dr, Witman Way, Rosecrest Ave, State Rte 401, Mitchell St$849

Macon, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Macon$128 to $131
Macon West$131

Macon, 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
Payne city, Georgia $128 $171 $257
Macon West CCD, Bibb County, Georgia $131 $175 $263
Bibb County, Georgia $131 $175 $263

Macon, 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
Macon, GA6.4%18.3%
Macon West5.96%17.44%
Bibb County5.96%17.89%
Macon East6.76%20.72%

Macon Renters Insurance as a Percentage of Rent

Macon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 632 3.0% $381
$200 to $299 978 5.0% $831
$300 to $499 2,911 16.0% $1281
$500 to $749 6,350 35.0% $1956
$750 to $999 4,206 23.0% $2706
$1,000 to $1,499 2,372 13.0% $3831
$1,500 or more 264 1.0% $5481

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

Coverage Construction type Company Premium
$250 Deductible $500 Deductible $1000 Deductible
$100,000 frame Aig Property Casualty Company $579 $552 $487
$100,000 frame American National General Insurance Company N/A $500 $472
$300,000 veneer Esurance Insurance Company N/A $808.62 $753.64
$200,000 frame Grange Mutual Casualty Company N/A N/A N/A
$350,000 frame Hartford Insurance Company Of The Southeast $7095 $6885 $6513
$150,000 veneer Lm Insurance Corporation N/A $1090 $1019
$150,000 veneer Pharmacists Mutual Insurance Company N/A $425 $382
$100,000 frame Safeco Insurance Company Of Indiana $799 $736 $647
$150,000 frame Safeco Insurance Company Of Indiana $1056 $978 $869
$350,000 frame The Travelers Home And Marine Insurance Company N/A N/A $2982

Macon, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Macon Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,000$7,400
Net Savings to Macon Home Owner from High Deductible Plan $600

Macon, GA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Macon, GA Home Replacement Value MORE than Home Value Macon, GA Home Replacement Value LESS than Home Value
Replacement Value $186,500 $129,500
Insurance Premium based on Replacement Value $900 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $21,000 Risk Exposure from Under Insuring Coverage is $36,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $100/year

Example Macon Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceGEICO InsuranceNationwide Insurance
Monthly Premium 1235150
Year Built 198519741966
Home Details 5 Beds, 1 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$150000-$175000$125000-$150000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1987 95,000 Metal Roof 1,630 5 $500 Deductible 30 1 Fiber-Cement Siding yes
1949 195,000 Membrane Roof 2,820 4 $500- $1000 Deductible 590 12 Wood siding No
1970 105,000 Wood Shake Roof 1,400 2 $500 Deductible 320 10 Fiber-Cement Siding No
1972 120,000 Tile Roof 1,810 3 $1000-$2500 Deductible 390 7 Stone Siding No
1966 85,000 Composition Roof 1,290 3 $1000-$2500 Deductible 50 2 Wood siding No
1987 90,000 Wood Shake Roof 1,690 2 $2500-$5000 Deductible 140 7 Stone Siding No
1986 90,000 Slate Shingles Roof 1,480 2 $500 Deductible 430 9 Stucco siding No
1946 220,000 Composition Roof 3,620 5 $5000 to $10,000 Deductible 480 12 Wood siding No
1966 120,000 Composition Roof 1,680 2 $500 Deductible 280 6 Stucco siding yes
1988 365,000 Shingles Roof 4,830 5 $5000 to $10,000 Deductible 600 5 Stone Siding No
1976 250,000 Slate Shingles Roof 3,450 5 $5000 to $10,000 Deductible 780 12 Fiber-Cement Siding yes
1944 95,000 Composition Roof 1,320 2 $500- $1000 Deductible 30 1 Stone Siding yes
1985 195,000 Composition Roof 3,510 5 $5000 to $10,000 Deductible 430 6 Vinyl siding yes
1969 235,000 Wood Shake Roof 3,130 4 $500- $1000 Deductible 230 4 Stone Siding No
1970 160,000 Composition Roof 2,430 5 $2500-$5000 Deductible 490 10 Brick siding No
1989 340,000 Metal Roof 4,260 5 $500- $1000 Deductible 1230 8 Stucco siding No
1940 140,000 Shingles Roof 2,280 4 $2500-$5000 Deductible 90 2 Brick siding No
1987 105,000 Tile Roof 1,560 5 $500- $1000 Deductible 260 8 Wood siding No
1961 100,000 Wood Shake Roof 1,550 3 $2500-$5000 Deductible 290 9 Stucco siding No
1968 95,000 Metal Roof 1,420 2 $1000-$2500 Deductible 250 7 Vinyl siding yes
1979 220,000 Tile Roof 3,850 5 > $10,000 Deductible 40 1 Wood siding No
1947 170,000 Composition Roof 2,500 4 $1000-$2500 Deductible 380 8 Stucco siding No
1965 140,000 Slate Shingles Roof 1,770 2 $500 Deductible 220 4 Stucco siding yes
1972 165,000 Tile Roof 2,530 4 $500 Deductible 470 6 Stucco siding yes
1986 65,000 Slate Shingles Roof 970 2 $500- $1000 Deductible 100 4 Vinyl siding No
1964 170,000 Metal Roof 2,190 4 $500- $1000 Deductible 560 9 Brick siding No
1943 130,000 Composition Roof 1,800 3 $1000-$2500 Deductible 270 5 Stucco siding No
1970 120,000 Metal Roof 1,780 2 $2500-$5000 Deductible 300 10 Brick siding yes
1944 125,000 Tile Roof 1,640 2 $1000-$2500 Deductible 40 1 Stucco siding yes
1940 130,000 Composition Roof 1,750 3 $500 Deductible 460 7 Fiber-Cement Siding yes
1967 300,000 Slate Shingles Roof 4,240 5 $500 Deductible 280 2 Stone Siding yes
1944 210,000 Metal Roof 2,780 5 $1000-$2500 Deductible 490 7 Fiber-Cement Siding yes
1989 115,000 Shingles Roof 1,940 3 $500 Deductible 380 7 Vinyl siding No
1989 220,000 Composition Roof 3,450 5 $500- $1000 Deductible 530 8 Vinyl siding yes
1962 30,000 Shingles Roof 1,181 2 $500 Deductible 50 3 Stucco siding yes

How To Make Your Macon, GA Home Insurance Cheaper