West Point Insurance Rates:

West Point, GA homeowners insurance is roughly $739 to $1,029, about $61-$85/month. Our detailed analysis shows customers can save as much as $353 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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West Point, GA Homeowners Insurance By Home Value

West Point, GA Home Value Total Homes % of Total Average West Point, GA Homeowners Insurance
Less than $50,000 307 20.0% $159
$50,000 to $59,999 50 3.0% $335
$70,000 to $79,999 127 8.0% $486
$80,000 to $89,999 40 2.0% $548
$90,000 to $99,999 60 4.0% $618
$100,000 to $124,999 98 6.0% $716
$125,000 to $149,999 159 10.0% $892
$150,000 to $174,999 199 13.0% $1060
$175,000 to $199,999 63 4.0% $1219
$200,000 to $249,999 257 17.0% $1467
$250,000 to $299,999 93 6.0% $1794
$300,000 to $399,999 40 2.0% $2289

Top Home Insurance Agents Near West Point, GA

Home Insurance Company Near West Point, GA Homeowners Insurance Agency Near West Point, GA Address
NA Hutchinson Traylor Insurance Agency 200 Broad St, Lagrange, GA, 30240
State Farm Carolyn Hugley 3312 Saint Marys Rd Ste A, Columbus, GA, 31906-4739
Allstate Frank Farnell 1849 Ogletree Rd Ste 300, Auburn, AL, 36830
Allstate Meadows Insurance Agency 25 E Main St, Manchester, GA, 31816
Liberty Mutual Will Singer 400 Brookstone Centre Pkwy Ste 100, Columbus, GA, 31904

Cost Of Homeowners Insurance By Street Near West Point, GA

Streets in West Point Area Homeowners Insurance Cost
Ave M, Avenue N, Webb Bartley Rd, Eastwood Ln, State Rte 18, Samples Rd, Long Crane Rd, 6th Ave, Grant Ct, E 7th St$892
E Drummond Rd, 4th Ave, Dogwood Cir, Collins Dr, Amhurst Dr, Webb Rd, Ave L, Givens Cir, Billings Rd, Roper Ave$885
Gray Hill Rd, Spruce St, Pear St, S State Line Rd, Arrowhead Dr, Webb's Way Dr, New Hutchinson Mill Rd, Lower Glass Bridge Rd, Holly St, Waldroup Rd$871
Jim Turner Rd, Ave B, State Rte 103, W 11th St, E 5th St, Hunters Ln, 2nd Ave, 12th St, W 7th St, Gilbert Rd$895
Adams Rd, Pine St, W Drummond Rd, Rosemont Ave, Long Cane Rd, Warner Rd, E 14th St, Ike Davidson Rd, Ave O, W 8th St$892

West Point, GA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
West Point$130 to $134
Lanett$139
LaGrange$131
Pine Mountain$136

West Point, 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
Lanett CCD, Chambers County, Alabama $116 $155 $232
Huguley CDP, Alabama $116 $154 $231
LaGrange CCD, Troup County, Georgia $110 $146 $219

West Point, 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
West Point, GA7.5%23.5%
Lanett8.13%23.02%
Huguley8.92%26.37%
LaGrange6.03%18.55%

West Point Renters Insurance as a Percentage of Rent

West Point Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 75 9.0% $366
$200 to $299 68 8.0% $816
$300 to $499 271 35.0% $1266
$500 to $749 113 14.0% $1941
$750 to $999 189 24.0% $2691
$1,000 to $1,499 42 5.0% $3816

West Point, GA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$3,300
Yearly West Point Homeowner Insurance Premium Example $2,300$1,900
Out of Pocket Expense During Claim$1,300$3,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $17,400$16,600
Net Savings to West Point Home Owner from High Deductible Plan $800

West Point, GA Home Insurance Costs With Home Replacement Value Scenarios

Scenario West Point, GA Home Replacement Value MORE than Home Value West Point, GA Home Replacement Value LESS than Home Value
Replacement Value $159,500 $116,000
Insurance Premium based on Replacement Value $775 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $24,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $75/year

Example West Point Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateChubb Group of Insurance
Monthly Premium 5567111
Year Built 197119601996
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$175000-$200000$300000-$350000
Deductible $1000-$2500 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1969 185,000 Shingles Roof 2,100 4 $500 Deductible 820 10 Stucco siding No
1962 310,000 Metal Roof 3,200 4 $500 Deductible 780 6 Stucco siding No
1970 190,000 Composition Roof 2,650 4 $5000 to $10,000 Deductible 110 2 Brick siding yes
1989 245,000 Tile Roof 3,010 4 > $10,000 Deductible 680 12 Vinyl siding yes
1948 155,000 Composition Roof 1,990 5 $500 Deductible 660 12 Brick siding yes
1989 280,000 Composition Roof 2,780 4 $1000-$2500 Deductible 1310 12 Stucco siding yes
1949 205,000 Asphalt Shingles Roof 2,470 5 $500 Deductible 60 1 Vinyl siding yes
2013 380,000 Wood Shake Roof 4,670 5 $5000 to $10,000 Deductible 530 7 Stone Siding No
1989 135,000 Asphalt Shingles Roof 1,630 3 $500- $1000 Deductible 70 1 Wood siding yes
1945 485,000 Shingles Roof 4,790 5 $5000 to $10,000 Deductible 650 4 Stone Siding yes
1949 315,000 Wood Shake Roof 3,520 5 $1000-$2500 Deductible 380 4 Stone Siding yes
2012 160,000 Wood Shake Roof 1,920 4 $500- $1000 Deductible 130 2 Fiber-Cement Siding yes
1980 205,000 Asphalt Shingles Roof 2,180 4 $500- $1000 Deductible 700 8 Brick siding No
2012 360,000 Composition Roof 4,800 5 > $10,000 Deductible 350 3 Wood siding yes
1967 260,000 Asphalt Shingles Roof 3,390 4 $500 Deductible 480 5 Wood siding No
1962 260,000 Wood Shake Roof 2,560 5 > $10,000 Deductible 280 4 Fiber-Cement Siding yes
1948 305,000 Metal Roof 3,230 4 $1000-$2500 Deductible 290 3 Fiber-Cement Siding No
1979 260,000 Wood Shake Roof 3,700 5 > $10,000 Deductible 430 6 Brick siding yes
2000 160,000 Membrane Roof 1,920 3 $5000 to $10,000 Deductible 450 9 Wood siding No
1943 130,000 Slate Shingles Roof 1,530 3 $1000-$2500 Deductible 400 9 Fiber-Cement Siding No
1943 125,000 Membrane Roof 1,700 3 $500 Deductible 520 12 Brick siding No
1981 155,000 Slate Shingles Roof 1,680 3 $500 Deductible 250 3 Stucco siding yes
1971 295,000 Wood Shake Roof 3,630 5 $5000 to $10,000 Deductible 410 6 Brick siding yes
2014 290,000 Shingles Roof 2,860 4 $500 Deductible 410 4 Wood siding No
1965 220,000 Shingles Roof 2,450 4 $2500-$5000 Deductible 940 12 Vinyl siding No
1994 275,000 Composition Roof 2,940 5 $5000 to $10,000 Deductible 700 12 Stucco siding No
1997 235,000 Asphalt Shingles Roof 2,740 5 $5000 to $10,000 Deductible 730 10 Wood siding yes
1990 155,000 Tile Roof 1,840 4 $5000 to $10,000 Deductible 230 5 Brick siding No
1993 195,000 Shingles Roof 2,030 3 $500 Deductible 190 3 Stucco siding No
1977 440,000 Membrane Roof 4,620 5 $1000-$2500 Deductible 760 4 Wood siding No
2010 280,000 Tile Roof 3,000 5 $2500-$5000 Deductible 510 6 Wood siding yes
1965 170,000 Shingles Roof 1,730 3 $2500-$5000 Deductible 60 1 Brick siding No
1986 210,000 Wood Shake Roof 2,040 4 $500- $1000 Deductible 90 1 Wood siding yes
2001 155,000 Composition Roof 2,150 3 $2500-$5000 Deductible 300 7 Stone Siding No