Martinez Insurance Rates:

Martinez, GA homeowners insurance is about $758 to $1,029, about $63-$85/month. Our comprehensive research shows customers can save as much as $357 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find the Average Cost of Homeowners Insurance in Martinez, GA

In the USA, the national average premium is $1224. The average cost of home owners insurance in Martinez, GA, is $997. So, if you own a house in Martinez, GA, then understanding the homeowners insurance policy to protect your assets is a must.

VHome, through its research, found the available coverage options, discounts, and other factors which can influence your insurance rates in Martinez, GA.

Cost of Deductibles in Martinez, GA

A deductible is the portion of coverage that the policyholder has to pay from his own pockets. Once the policyholder files a claim and meets their deductible, the insurance company pays the leftover balance up to their policy limit.

VHome's research found that homeowners in Martinez, GA, can reduce their home insurance costs by paying a higher deductible.

Deductible for homeowners insurance in Martinez, GA, may range from $986 to $716, depending on the preferred deductible opted by the policyholder. Homeowners in Martinez paying a high deductible of $2500 can avail of home insurance for $716, whereas homeowners paying a deductible of $1500 and $2000 can avail of home insurance for $839 and $762, respectively.

Below is the summary of home insurance costs for different deductibles in Martinez, GA.


Discount based on Claim History

Another way to reduce your premium is by maintaining a zero claim history. It is prudent that homeowners must avoid filing claims for minor problems. When a homeowner submits a claim, the loss is incurred by the insurance company. Therefore, the greater the risk of you incurring a loss and submitting a claim, the higher your policy cost.

By providing a history of zero claims, homeowners in Martinez, GA, have to pay a premium of $858, where the discount is $139. In contrast, policyholders with one and two claims have to pay a premium of $1087 and $1137, respectively.

Discount based on the Age of the Home

The age of the home plays a significant role in determining the cost of home insurance. As homes age, so do the systems and materials that make up your home, making your home more vulnerable to property damage or structural problems.

Homes with 40 or 50 years in Martinez pay a premium of $1023 and $1035, respectively.  On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. For instance, newly built homes in Martinez can avail lower insurance of $747.75.

Martinez, GA Homeowners Insurance By Home Value

Martinez, GA Home Value Total Homes % of Total Average Martinez, GA Homeowners Insurance
Less than $50,000 243 2.0% $143
$60,000 to $69,999 90 1.0% $375
$70,000 to $79,999 271 3.0% $438
$80,000 to $89,999 400 4.0% $491
$90,000 to $99,999 490 5.0% $554
$100,000 to $124,999 1,609 18.0% $634
$125,000 to $149,999 1,531 17.0% $795
$150,000 to $174,999 1,399 15.0% $947
$175,000 to $199,999 558 6.0% $1090
$200,000 to $249,999 983 11.0% $1314
$250,000 to $299,999 587 6.0% $1609
$300,000 to $399,999 603 6.0% $2038

Top Home Insurance Agents Near Martinez, GA

Home Insurance Company Near Martinez, GA Homeowners Insurance Agency Near Martinez, GA Address
NA R. W. Thomas Insurance Agency, Inc. 4579 Langham Rd Sw , Thomson, GA, 30824
State Farm Bob Turman 255 N Belair Rd, Evans, GA, 30809-3203
Travelers Donald H Bailie Agcy 1220 GREENE ST, AUGUSTA, GA, 30901
Travelers Ricketson Insurance & Realty, Inc. 556 Main St, Warrenton, GA, 30828
Allstate Robert Grandle 156 S Belair Rd, Martinez, GA, 30907

Martinez, GA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Martinez, GA

Streets in Martinez Area Homeowners Insurance Cost
Granite Ct, Wexford Pl S, Fripp Ct, Dent St, Co Hwy 16, Pebble Beach Dr, Lexington Pl, King Taylor Rd, Three J Rd, Wood Creek Dr$921
Locks Way, Gray Dr, Deerwood Pl, Picket Fence Dr, Bay Tree Ct, Big Oak Cir, Dowling Dr, Pleasant Home Rd, Highlands Ct, Cambridge Cir$964
Rivermont Dr, Crail Dr, Oak St, Riverbend Dr, Faircloth Ct, Bobby Jones Expy, Oak Brook Dr, Green Ivy Ln, Three J Dr, Meriden Ct$940
Rhodes Hill Dr, Wesley Dr, Central Park Ln, Sleepy Hollow Ct, Stonington Dr, Wesley Ct, Flowing Wells Rd, Delray Ct, Weinberger Way, Lariat Cir$866
Oak Ct, Almon Dr, Deerwood Way, Moss Creek Ct, Quail Springs Rd, Maywood Dr, Litchfield Ct, Trenton Way, Concord Pl, Villa Ln$868

Martinez, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Martinez$133 to $136

Martinez, 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
Evans CCD, Columbia County, Georgia $114 $152 $228
Augusta CCD, Richmond County, Georgia $108 $144 $216
Grovetown city, Georgia $112 $149 $223

Martinez, 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
Martinez, GA5.7%19.1%

Martinez Renters Insurance as a Percentage of Rent

Martinez Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 797 23.0% $1935
$750 to $999 959 28.0% $2685
$1,000 to $1,499 1,264 37.0% $3810
$1,500 or more 322 9.0% $5460

Martinez, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Martinez Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$1,400$3,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,800$9,000
Net Savings to Martinez Home Owner from High Deductible Plan $800

Martinez, GA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Martinez, GA Home Replacement Value MORE than Home Value Martinez, GA Home Replacement Value LESS than Home Value
Replacement Value $338,000 $225,500
Insurance Premium based on Replacement Value $1,600 $1,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $63,500 Risk Exposure from Under Insuring Coverage is $49,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $300/year

Example Martinez Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company American Family InsuranceAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 5378135
Year Built 200020121982
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$250000-$300000$400000-$500000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 165,000 Metal Roof 1,800 4 $5000 to $10,000 Deductible 270 6 Vinyl siding yes
1988 295,000 Asphalt Shingles Roof 2,870 4 $500 Deductible 800 7 Brick siding yes
2013 150,000 Composition Roof 1,800 4 $500 Deductible 950 12 Brick siding No
1997 255,000 Wood Shake Roof 3,330 4 $1000-$2500 Deductible 600 10 Stone Siding No
1984 310,000 Asphalt Shingles Roof 2,890 4 $500 Deductible 160 1 Stone Siding yes
1987 500,000 Metal Roof 4,780 5 > $10,000 Deductible 440 4 Wood siding yes
2013 305,000 Tile Roof 2,800 4 $5000 to $10,000 Deductible 520 5 Fiber-Cement Siding No
1983 310,000 Wood Shake Roof 3,330 4 $1000-$2500 Deductible 630 6 Fiber-Cement Siding No
1997 315,000 Membrane Roof 2,970 4 $2500-$5000 Deductible 860 7 Brick siding No
2011 205,000 Metal Roof 2,040 3 $2500-$5000 Deductible 240 4 Vinyl siding yes
2008 265,000 Metal Roof 3,210 4 $1000-$2500 Deductible 230 2 Stucco siding yes
2003 145,000 Tile Roof 1,740 3 $2500-$5000 Deductible 700 12 Stucco siding yes
1998 180,000 Wood Shake Roof 2,340 3 $5000 to $10,000 Deductible 760 12 Vinyl siding yes
2013 210,000 Metal Roof 2,230 3 $500- $1000 Deductible 520 7 Vinyl siding No
1993 165,000 Asphalt Shingles Roof 1,960 4 $2500-$5000 Deductible 40 1 Wood siding No
2005 375,000 Wood Shake Roof 4,000 5 > $10,000 Deductible 160 2 Stucco siding No
1995 185,000 Membrane Roof 2,280 4 $500- $1000 Deductible 100 1 Stone Siding No
2004 280,000 Membrane Roof 2,730 4 $500- $1000 Deductible 1300 10 Fiber-Cement Siding yes
1997 100,000 Shingles Roof 1,240 3 $500 Deductible 80 2 Fiber-Cement Siding No
1993 270,000 Shingles Roof 3,190 4 $5000 to $10,000 Deductible 90 1 Wood siding No
1983 135,000 Shingles Roof 1,600 3 $500- $1000 Deductible 330 7 Brick siding No
1997 375,000 Tile Roof 3,590 5 $500 Deductible 1720 10 Stucco siding No
1998 205,000 Asphalt Shingles Roof 2,750 4 $500 Deductible 480 6 Fiber-Cement Siding No
2012 210,000 Tile Roof 2,230 4 $1000-$2500 Deductible 480 7 Stone Siding yes
1987 140,000 Composition Roof 1,370 3 $1000-$2500 Deductible 360 5 Wood siding yes
2004 195,000 Metal Roof 1,830 4 $500 Deductible 600 9 Wood siding No
2001 500,000 Tile Roof 4,910 5 $1000-$2500 Deductible 2410 12 Stucco siding No
1995 245,000 Shingles Roof 2,260 3 $1000-$2500 Deductible 480 5 Brick siding No
1992 265,000 Composition Roof 2,770 4 $1000-$2500 Deductible 440 7 Wood siding yes
2003 165,000 Slate Shingles Roof 1,920 5 $5000 to $10,000 Deductible 440 9 Wood siding No
1992 250,000 Metal Roof 2,350 4 $500 Deductible 160 2 Stone Siding yes
2007 225,000 Membrane Roof 2,340 3 $500- $1000 Deductible 820 7 Stone Siding yes
1985 200,000 Metal Roof 2,260 5 $500- $1000 Deductible 90 1 Stone Siding yes
2011 180,000 Asphalt Shingles Roof 1,830 4 $500- $1000 Deductible 600 10 Fiber-Cement Siding yes

Latest Home Insurance Reviews

State Farm
I would very much recommend State Farm to anybody, especially if you have a family because their coverage is very extensive.
Georgia Farm Bureau Insurance
I would recommend Farm Bureau because of their knowledgable helpful staff and the lower coverage price and deductible that they offer. The travel perks and other membership discounts make it worth it.
They're easy to deal with and provide me with the coverage that I prefer to have. Not all companies offer what I get out of this company.
I think that Allstate is pretty competitive with their pricing. It's comparable to other insurance companies but with exceptional customer service.
State Farm
Great customer service from my agent. great customer service from corporate office. easy access on the company website to make changes.
I also liked the fact that i was able to bundle that policy to my existing auto insurance policy. it is easy to have one monthly bill instead of two separate bills.
My home insurance company is esurance. i have been with them for 1 year. we bought our home in november of 2016.
What I hate most about the policy is the high deductible, I plan to lower that soon. I also hate that it does not cover floods
State Farm
My homeowner's insurance is paid through my mortgage and I don't feel that it is high priced but my auto insurance is extremely high priced. This changed when my children started driving. I have been told that boys are much higher to insure than girls but the cost of insurance is more than the cost of the cars they drive.
Safeco Insurance
I know they reply quickly via email or phone, and they take care of business. Yes, they played the salesman game just a little bit but mostly they just give the information I required and did what I wished with my policy.
I like the company that covers all the important things in the house, such as fire damage, water pipes, damage to the floor and roof, grass, moisture damage among other things
I wish they would offer more competitive renewal premiums for existing customers.
Farmer's Insurance
I have never had to worry about a claim being denied. Nothing odd being filed, but everything has been approved nearly immediately.
Liberty Mutual
i dont make it a habit of recommending anything to anyone becasuse noone really cares

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