Top 5 Home Insurance Companies in Columbus, GA
Check out the most popular Home Insurance agencies & companies in Columbus, GA & compare the best quotes from them.
Cost of Homeowners Insurance in Columbus, GA
Columbus, GA homeowners are paying an average of $904.32 in home insurance each year. Factors that affect the cost of a policy include home value,coverage type, deductible and age or the material used to build your house.There are multiple ways to reduce the homeowners insurance cost, and the easiest way is to choose a higher deductible. Below is the summary of average home insurance costs available to Columbus homeowners based on various factors.
The deductible is the amount of money that an homeowner pays out of pocket before their insurance policy begins to pay any claims. Choosing a higher deductible can help lower your monthly premiums, which in turn makes it more affordable as well. For example, homeowners in Columbus can get $649.30 worth of coverage for as little as $2500 with a considerable discount available by opting for higher deductibles.Homeowners receive insurance for $690.71 and $760.89 respectively, on deductibles $2000 and $1500.
Due to the risk of damage from fires or other combustion reactions, a fire-resistant house, for example, will cut your average annual premium to $795.80 in Columbus. Columbus homes built with masonry and brick may expect to pay an average price for homeowners' insurance coverage of $859.104. Whereas homes built with superior and hail resistant roofs pay a higher amount $822.93 and $886.23 respectively.
The age of the home is a significant factor in determining the cost of home insurance. Older homes are more likely to have structural problems, which raises the risk and thus the rates. Homes in Columbus that are 40 or 50 years old pay $927.83 and $938.68, respectively.On the other hand newly built homes are less prone to damage and home insurance companies offer substantial discounts to newly constructed homes. For instance newly constructed homes in Columbus can avail lower insurance of $660.15.
Homes with distinctive features are more likely to demand a higher premium than the state average. For instance, homeowners in Columbus pay a cost of $922.40 to install a swimming pool. In addition, homeowners who may have a swimming pool with a diving pool or a slide can get insurance for $949.53 and $958.57 respectively. Apart from these factors, Homeowners with high credit scores are likely to get lower rates from the Insurance companies.Credit score is a rating calculated and used by insurance providers that represents the chances of an individual filing a claim while under coverage.
Top Home Insurance Companies in Columbus, GA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 26.7% |
| Erie | A+ | 8.02% |
| Liberty Mutual | A | 5.75% |
| GEICO | A++ | 3.64% |
| Nationwide | A+ | 3% |
Top Erie Home Insurance Agents in Columbus, GA
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Eades Insurance Agency | 101 New Franklin Rd 30240 |
(706) 885-0646 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Patrick Whalen | 707 AVENUE A 36801 |
(334) 749-3401 | |
| Andrew Chavez | 6298 Veterans Pkwy Ste 3G 31909-6276 |
706-322-8536 | |
| Miguel Rivas | 1617 E Lamar St 31709 |
(229) 924-2727 | |
| Nicole Durham | 207 N LEWIS ST 30240 |
706-884-3339 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Patrick Carter | 201 MIKE WILL RD 31806 |
(229) 937-9150 Email:pcarter@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Bob Keig | 309 Mooty Bridge Rd Ste A www.bobkeig.com 30240-1800 |
706-845-8660 | |
| John Robinson | 4511 ARMOUR ROAD 31904 |
706-323-9521 | |
| Leo Everitt | 3706 S RAILROAD ST 36867 |
334-480-9933 | |
| John Roman | 2901 UNIVERSITY AVE #27 www.iloveinsurance.com 31907 |
706-561-7019 | |
| Jeff Flaig | 202 E BROAD ST www.jeffflaig.com 36027 |
334-687-7001 | |
| Leo Berger | 211 2ND AVE www.leoberger.com 36801 |
334-745-0888 | |
| Glenn Marlin | 2528 Weems Rd Ste 2D www.akfarmteam.com 31909 |
(706) 324-0417 | |
| Patrick Sinclair | 202 E Broad St Eufaula 36027 |
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| Bryan Scott | 2227 West Point Rd www.bryanwscott.net 30240-4061 |
706-884-1112 | |
| John Riesgraf | 182 SOUTH COLLEGE STREET www.johnriesgraf.com 31811 |
706-628-4274 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Aubrey M Beatty Agency | 3616 Highway 431 N 36867 |
334-297-1188 | |
| W D Skarr Inc | Po Box 57 31906 |
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| Corrigan Insurance Agency Inc. | 702 14th Street 36867-5047 |
334-298-2511 | |
| Johnnie Ann Bishop | 1617 E LAMAR ST 31709 |
229-924-2727 | |
| Leo Blankenship | 105A N 10TH ST 36801 |
334-745-0888 |
| Nationwide | Liberty Mutual | GEICO | |
| Median Home Value ($) | 146,180 | 146,180 | 126,180 |
| Construction year | 1993 | 1979 | 2010 |
| Home Coverage ($) | $75000-$100000 | $100000-$125000 | $50000-$75000 |
| Total Premium ($) | $988 | $1227 | $883 |
Columbus, GA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 22% |
| Liberty Mutual | upto 16% |
| GEICO | upto 21% |
| Nationwide | upto 5% |