Savannah ,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 Savannah, 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 Savannah, GA is $1784. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Savannah, GA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Savannah, GA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $714 |
| $200,000 | $1,213 |
| $300,000 | $1,499 |
| $400,000 | $2,284 |
| $500,000 | $2,872 |
Home insurance costs in Savannah 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 |
|---|---|
| 031415 | $1,635 |
| 31411 | $2,028 |
| 31410 | $1,793 |
| 31401 | $1,879 |
| 31406 | $1,724 |
| 31405 | $1,744 |
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 Savannah, GA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,829 |
| $1000 Deductible | $1,636 |
| $1500 Deductible | $1,543 |
| $2500 Deductible | $1,392 |
| $5000 Deductible | $1,177 |
| Home Insurance Company Near Savannah, GA | Homeowners Insurance Agency Near Savannah, GA | Address |
|---|---|---|
| NA | Callen Insurance Services, Llc | 1 Corpus Christi 1 Corpus Christi , Hilton Head Island, SC, 29928 |
| NA | Ra Dextraze & Associates | 14 New Orleans Rd 14 New Orleans Rd , Hilton Head Island, SC, 29928 |
| State Farm | Joseph Grant | 101 E Oglethorpe Hwy, Hinesville, GA, 31313-3603 |
| Allstate | Mickey Rountree | 5859 Abercorn St Ste 1, Savannah, GA, 31405 |
| Allstate | Stephen Helwig | 42 New Orleans Rd Ste 100, Hilton Head Island, SC, 29928 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Vernonburg town, Georgia | $160 | $213 | $319 |
| Skidaway Island CDP, Georgia | $135 | $180 | $270 |
| Chatham County, Georgia | $113 | $151 | $226 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Savannah, GA | 6.1% | 18.6% |
| Vernonburg | 2.92% | 21.32% |
| Skidaway Island | 3.75% | 10.0% |
| Chatham County | 5.39% | 16.82% |
| Savannah Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 624 | 2.0% | $363 |
| $200 to $299 | 786 | 2.0% | $813 |
| $300 to $499 | 1,597 | 5.0% | $1263 |
| $500 to $749 | 6,586 | 22.0% | $1938 |
| $750 to $999 | 10,369 | 35.0% | $2688 |
| $1,000 to $1,499 | 7,404 | 25.0% | $3813 |
| $1,500 or more | 1,595 | 5.0% | $5463 |
| Streets in Savannah Area | Homeowners Insurance Cost |
|---|---|
| Luke Ct, Paige Ave, Gilliam Ave, Hermitage Rd, Roger Lacey Ave, W 39th St, Carolan St, E Park Ln, Olmstead Dr, Atkinson Ave | $892 |
| Fair St, Croatan St, W River St, Cedar Grove Plantation Dr, Daveitta Dr, Winsford Rd, N Leeds Gate Rd, W 55th St, Church St, Howard Foss Dr | $933 |
| W 54th St, Carr Ave, Lattimore Pl W, Densler St, E Henry Ln, E 74th St, E Gwinnett Ln, Birchwood Cove, 13th St, Carriage Apartment | $977 |
| W Park Ave, Cresent Dr, Mohawk St, Cumberland Dr, Neurville Ave, E 53rd St, Bannon Dr, Fish Bait Trl, Margret St, Largo Dr | $906 |
| Stuyvesant St, Charles St, W Montgomery Xrd, Cornwall St, Telfair Rd, Godsells St, Fulmer St, E Oglethorpe Ave, San Anton Dr, Art St | $880 |
| Michigan Ave, Denise, Bulloch St, Don Zipperer Dr, Agate St, Owens Industrial, Spanish Moss Cir, Wicklow St, Cornell Ave, O'Byrne St | $902 |
| Dolphin Dr, New Mexico St, Oak Pointe Trl, Chatham Cres, Arabica Ln, Eppinger St, Hancock St, Jasper Dr, Kenilworth St, W Bryan St | $901 |
| Lorraine Cir, Old Dean Forest, Backshell Rd, Turner Blvd, W 48th St, W 45th Ln, E York Ln, Bee Rd, Carroll St, Chisholm St | $858 |
| E River St, Birchwood Rd, Legion Dr, 8th St, Treat Ave, Altman Cir, Brewer St, Brandlewood Dr, E 46th St, Reuben Clark Dr | $898 |
| Leonard Neal St, Chipper Cir, Bonaventure Rd, Iantha St, Wheeler Ct, Glatigny St, Clarke Ave, Kemira Rd, Ruben Ct, Summerside Ave | $933 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Savannah | $133 to $135 |
| Vernonburg | $191 |
| Skidaway Island | $162 |
| Chatham County | $135 |
| Coverage | Construction type | Company | Premium | ||
|---|---|---|---|---|---|
| $250 Deductible | $500 Deductible | $1000 Deductible | |||
| $300,000 | frame | Alfa Insurance Corporation | $2336 | $2144 | $1911 |
| $300,000 | frame | Country Casualty Insurance Company | $1771.53 | $1574.15 | $1271.82 |
| $300,000 | veneer | Esurance Insurance Company | N/A | $1564.35 | $1494.93 |
| $400,000 | frame | Georgia Farm Bureau Casualty Insurance Company | $3064 | $2942 | $2672 |
| $150,000 | frame | Grange Property And Casualty Insurance Company | N/A | N/A | $1102.00 |
| $200,000 | veneer | Grange Property And Casualty Insurance Company | N/A | N/A | $1273 |
| $100,000 | veneer | Owners Insurance Company | N/A | N/A | $410.66 |
| $150,000 | frame | State Farm Fire & Casualty Company | N/A | N/A | $1974.00 |
| $350,000 | veneer | The Armed Forces Insurance Corporation | $2237 | $2142 | $1976 |
| $75,000 | veneer | Universal Property & Casualty Insurance Company | N/A | $502.72 | $433.87 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,400 | $2,400 |
| Yearly Savannah Homeowner Insurance Premium Example | $600 | $400 |
| Out of Pocket Expense During Claim | $1,400 | $2,400 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,200 | $5,600 |
| Net Savings to Savannah Home Owner from High Deductible Plan | $600 | |
| Scenario | Savannah, GA Home Replacement Value MORE than Home Value | Savannah, GA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $242,500 | $186,000 |
| Insurance Premium based on Replacement Value | $975 | $750 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $30,500 | Risk Exposure from Under Insuring Coverage is $26,000 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $125/year |
| Insurance Company | Travelers | Farmers Insurance | State Farm |
| Monthly Premium | 30 | 43 | 66 |
| Year Built | 1965 | 1981 | 1971 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $100000-$125000 | $250000-$300000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |