Oglethorpe Insurance Rates:

Oglethorpe, GA homeowners insurance is roughly $709 to $982, about $59-$81/month. Our all inclusive research shows customers can save as much as $338 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Oglethorpe, GA Homeowners Insurance By Home Value

Oglethorpe, GA Home Value Total Homes % of Total Average Oglethorpe, GA Homeowners Insurance
Less than $50,000 312 37.0% $329
$50,000 to $59,999 94 11.0% $692
$60,000 to $69,999 29 3.0% $853
$70,000 to $79,999 31 3.0% $988
$80,000 to $89,999 123 14.0% $1115
$100,000 to $124,999 86 10.0% $1444
$125,000 to $149,999 46 5.0% $1808
$150,000 to $174,999 47 5.0% $2137
$175,000 to $199,999 25 2.0% $2467
$200,000 to $249,999 30 3.0% $2974
$300,000 to $399,999 12 1.0% $4613

Top Home Insurance Agents Near Oglethorpe, GA

Home Insurance Company Near Oglethorpe, GA Homeowners Insurance Agency Near Oglethorpe, GA Address
Travelers Georgia Farm Bureau Brokerage Inc 622 NORTH CHURCH ST, THOMASTON, GA, 30286
Allstate Hillary Carnley 3884 Warm Springs Rd, Columbus, GA, 31909
State Farm J W Cooper Clu 2734 Ledo Road, Albany, GA, 31707
Liberty Mutual Independent Solomon Deaton & Buice 756 Poplar St, Macon, GA, 31201
Travelers Youngblood Agency Inc 1921 Pine Street, Unadilla, GA, 31091

Cost Of Homeowners Insurance By Street Near Oglethorpe, GA

Streets in Oglethorpe Area Homeowners Insurance Cost
Oliver Rd, Guy Rd, State Rte 128, Old Stage Rd, State Hwy 214 Byp, Brookstone Dr, Sandy Rd, Short St, Buck Creek Byp, Co Rd 18$857
Griffin Cir, Keen Ave, G W McLendon Rd, Railroad St, Stubbs St, Co Rd 3, Joyce St, Head Rd, Keene Ave, Lily Ln$850
Gordon St, Tookes Dr, Reynolds Ln, State Rte 26, Jake Smith Rd, Co Rd 302, Google Rd, Cherry St, Kaigler St, Reynolds St$837
Russell St, Howells Dr, Flora Ln, W Cuyler St, Bailey Ln, Hill English Rd, Cutoff Rd, Mine Rd, Englishville Rd, Chapman Rd$845
Maggie Ln, Greenes Mill Rd, Crestview Rd, Merlan Williams Rd, Higgins St, State Rte 90, Mill St, Co Rd 94, N Randolph St, White Water Rd$848

Oglethorpe, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oglethorpe$124 to $128
Macon County$127
Ideal$126
Andersonville$129

Oglethorpe, 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
Macon County, Georgia $106 $141 $212
Ideal CCD, Macon County, Georgia $106 $141 $211
Andersonville CCD, Sumter County, Georgia $108 $143 $215

Oglethorpe, 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
Oglethorpe, GA7.6%21.0%
Macon County7.51%17.98%
Ideal7.13%20.27%
Andersonville8.98%14.26%

Oglethorpe Renters Insurance as a Percentage of Rent

Oglethorpe Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 10 2.0% $390
$200 to $299 34 7.0% $840
$300 to $499 166 35.0% $1290
$500 to $749 230 49.0% $1965
$750 to $999 25 5.0% $2715

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

Coverage Construction type Company Premium
$250 Deductible $500 Deductible $1000 Deductible
$350,000 veneer Aig Property Casualty Company $2312 $2197 $1902
$250,000 veneer American National General Insurance Company N/A $1000 $965
$400,000 frame Bankers Standard Insurance Company N/A $4622 $4182
$200,000 veneer Bankers Standard Insurance Company N/A $1996 $1766
$150,000 frame Foremost Signature Insurance Company $1961 $1936 N/A
$300,000 frame Grange Property And Casualty Insurance Company N/A N/A $1087.00
$75,000 frame Hartford Casualty Insurance Company $1652 $1574 $1428
$75,000 veneer Hartford Insurance Company Of The Southeast $2188 $2081 $1892
$75,000 veneer The Armed Forces Insurance Corporation $426 $384 $325
$100,000 frame The Travelers Home And Marine Insurance Company N/A N/A $1355

Oglethorpe, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Oglethorpe Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,300$6,700
Net Savings to Oglethorpe Home Owner from High Deductible Plan $600

Oglethorpe, GA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oglethorpe, GA Home Replacement Value MORE than Home Value Oglethorpe, GA Home Replacement Value LESS than Home Value
Replacement Value $80,000 $49,500
Insurance Premium based on Replacement Value $350 $225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $14,500 Risk Exposure from Under Insuring Coverage is $16,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $75/year

Example Oglethorpe Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateFarmers Insurance
Monthly Premium 327733
Year Built 198120032010
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $75000-$100000$175000-$200000$75000-$100000
Deductible $500 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1990 80,000 Wood Shake Roof 1,200 3 $2500-$5000 Deductible 50 2 Stucco siding yes
1993 200,000 Shingles Roof 4,260 5 > $10,000 Deductible 210 6 Vinyl siding yes
1990 135,000 Membrane Roof 2,110 4 $1000-$2500 Deductible 110 2 Stucco siding yes
2011 145,000 Membrane Roof 2,880 4 $500 Deductible 140 3 Vinyl siding yes
1998 195,000 Shingles Roof 3,190 5 $500 Deductible 570 7 Wood siding No
2010 195,000 Slate Shingles Roof 3,170 5 $1000-$2500 Deductible 700 8 Vinyl siding No
1981 115,000 Slate Shingles Roof 2,090 5 $1000-$2500 Deductible 410 9 Vinyl siding yes
1991 120,000 Composition Roof 2,350 5 $2500-$5000 Deductible 400 10 Wood siding yes
1982 95,000 Asphalt Shingles Roof 1,540 5 $500 Deductible 80 2 Fiber-Cement Siding yes
2013 175,000 Slate Shingles Roof 3,220 5 $2500-$5000 Deductible 530 9 Vinyl siding yes
2011 135,000 Tile Roof 2,950 4 $500 Deductible 220 4 Stucco siding yes
1986 110,000 Wood Shake Roof 1,930 4 $500- $1000 Deductible 50 1 Brick siding No
1994 285,000 Asphalt Shingles Roof 4,750 5 $1000-$2500 Deductible 350 4 Brick siding No
2003 120,000 Slate Shingles Roof 2,770 5 $2500-$5000 Deductible 250 6 Brick siding No
2006 80,000 Wood Shake Roof 1,640 4 $1000-$2500 Deductible 380 12 Stucco siding No
1981 170,000 Membrane Roof 2,920 4 $5000 to $10,000 Deductible 190 3 Fiber-Cement Siding No
1998 135,000 Membrane Roof 2,190 3 $2500-$5000 Deductible 380 9 Brick siding No
1999 260,000 Tile Roof 4,510 5 $500- $1000 Deductible 510 5 Vinyl siding yes
2013 260,000 Composition Roof 4,920 5 $500 Deductible 810 6 Stone Siding yes
1983 130,000 Slate Shingles Roof 2,510 5 $2500-$5000 Deductible 260 8 Vinyl siding yes
1995 95,000 Asphalt Shingles Roof 1,970 4 $1000-$2500 Deductible 120 4 Stone Siding No
1993 60,000 Slate Shingles Roof 1,340 3 $2500-$5000 Deductible 150 7 Brick siding yes
1996 160,000 Slate Shingles Roof 2,500 4 $2500-$5000 Deductible 60 1 Stone Siding yes
2006 90,000 Wood Shake Roof 1,970 3 $500- $1000 Deductible 220 7 Fiber-Cement Siding No
2009 95,000 Asphalt Shingles Roof 1,400 3 $2500-$5000 Deductible 140 6 Stone Siding No
1990 65,000 Composition Roof 1,420 3 $500 Deductible 240 12 Vinyl siding No
2011 225,000 Wood Shake Roof 4,100 5 $2500-$5000 Deductible 70 1 Wood siding No
1980 175,000 Shingles Roof 3,330 4 $500 Deductible 50 1 Brick siding yes