How Can I Make My Albany, GA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Albany, GA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Albany, GA Home Insurance Coverage Levels | Back to Top
| Albany, GA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Muse Ave, Walnut St, Plains Dr, Grayson St, Harvest Ln, Timber Ln, Periwinkle Way, Zackery Ave, Barfield Ave, London Ave | $103,000 | $90,000 | $100,000-$125,000 | $66,500 | $50,000 | $50,000-$75,000 |
| S Mock Rd, Elsom St, N Maple St, Tremont Ave, Lockett Station Rd, Friar Tuck Ln, E Society Ave, Worrell Ct, Forsythe St, Estelle Ave | $89,000 | $80,000 | $75,000-$100,000 | $81,500 | $70,000 | $50,000-$75,000 |
| Deerborn St, Wellington Dr, N Jefferson St, Druid Hills Ct, Jenkins Rd, 15th Ave, S Monroe St, Lily Pond Rd, Patrol Dr, White Oak Dr | $257,500 | $230,000 | $250,000-$300,000 | $174,500 | $160,000 | $150,000-$175,000 |
| Creedmoor Ln, Wilder St, Barbre Ln, Benchmark Dr, Crittenden Ln, Pineview Ave, Countryside Dr, Hillside Ave, Radial Ave, Finch St | $160,000 | $140,000 | $125,000-$150,000 | $100,000 | $90,000 | $75,000-$100,000 |
| Broadway Ct W, Colquitt Cir, Perth Ct, E Broad Ave, Tuxedo Ln, Spelman Dr, Sunrise Dr, NE Rosewood Dr, Pecan Grove Ct, N Cherokee Dr | $74,500 | $70,000 | $75,000-$100,000 | $75,500 | $70,000 | $50,000-$75,000 |
| Polaris Dr, Delta St, Stanley Dr, Maryland Dr, Plum St, Crawford Dr, N Van Buren St, Oliver Dr, Springdale Ct, Regalwood Dr | $110,500 | $100,000 | $75,000-$100,000 | $101,500 | $80,000 | $100,000-$125,000 |
| Champion Ln, North Carolina Ave, Chaucer Ct Aly, Curtis St, Old Jim Davis Rd, N Van Buren St, Masters Ct, Barnaby Dr, Davenport Dr, Andrews Garden Ct | $139,500 | $130,000 | $125,000-$150,000 | $140,500 | $130,000 | $125,000-$150,000 |
| Halsey Ave, Lancaster Ln, Ann Ave, Oak St, E Roosevelt Ave, S Flintlock Dr, Barkley Blvd, Canal St, Walterboro Ln, Jacqueline Rd | $116,000 | $110,000 | $100,000-$125,000 | $49,000 | $40,000 | $50,000-$75,000 |
| Arbor Ct, Stonegate Dr, Wharton Ave, Jean Ave, Van Cise Ln, Whispering Pines Rd, Indian Creek Dr, E 1st Ave, Radium Springs Rd, Wheeler Ave | $116,000 | $100,000 | $100,000-$125,000 | $101,500 | $80,000 | $100,000-$125,000 |
| Ironhorse Ct, N McKinley St, Raleigh Dr, Devon Dr, Worth St, Harmon Ave, Butler Dr, Cannon Ave, Harris Rd, 9th Ave | $108,000 | $100,000 | $100,000-$125,000 | $52,000 | $50,000 | $50,000-$75,000 |
Estimate your Savings with Home Insurance Discounts in Albany, GA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$139 | $591 |
| Superior Protection Discount | -$73 | $656 |
| Fire & Security Discount | -$58 | $671 |
| Hail Resistant Roof Discount | -$22 | $708 |
| Newly Constructed Home Discount | -$204 | $525 |
Choose the Right Deductible for your Albany, GA Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Dougherty County | $2,500 | $726 | $3,226 | $528 | $3,028 | $199 |
| Albany, GA | $2,000 | $721 | $2,721 | $524 | $2,524 | $197 |
| Poulan, GA | $500 | $641 | $1,141 | $466 | $966 | $175 |
| Morgan, GA | $2,500 | $532 | $3,032 | $386 | $2,886 | $145 |
| Shellman, GA | $200 | $644 | $844 | $468 | $668 | $176 |
| Ashburn, GA | $2,000 | $575 | $2,575 | $418 | $2,418 | $157 |
| Plains, GA | $200 | $571 | $771 | $415 | $615 | $156 |
| Arabi, GA | $1,500 | $637 | $2,137 | $463 | $1,963 | $174 |
| Spence, GA | $500 | $845 | $1,345 | $614 | $1,114 | $231 |
| Ellaville South, GA | $100 | $759 | $859 | $551 | $651 | $207 |
| Ellaville, GA | $2,000 | $702 | $2,702 | $510 | $2,510 | $192 |
Identify Top Home Insurance Agents near Albany, GA | Back to Top
| Home Insurance Company Albany, GA | Homeowners Insurance Agency Albany, GA | Address | Popularity Score | Distance from Albany (miles) |
|---|---|---|---|---|
| State Farm | Bobby Underwood | 307 Grand Island Dr Ste 1, Albany, GA, 31707-1298 | 3.6 | |
| Travelers | Copelan Insurance Agency Inc | 2401 N Slappey Blvd, Albany, GA, 31701 | 2.2 | |
| Allstate | Henry Harris | 723 N Slappey Blvd Ste B, Albany, GA, 31701 | 0.7 | |
| Allstate | Southern Harvest | 2 W Broad St, Camilla, GA, 31730 | 24.0 | |
| State Farm | William Bailey | 138 S Lee St Ste B, Americus, GA, 31709-3697 | 34.1 | |
| Travelers | Brown Detherage Insurors | 1607 B Highway 19 South, Leesburg, GA, 31763 | 3.5 | |
| Allstate | Citizens Agency | 121 N 3rd St, Vienna, GA, 31092 | 41.9 | |
| Travelers | Stewart Short Insurance | 1579 Us Hwy 19-South, Leesburg, GA, 31763 | 3.6 | |
| State Farm | Curt Browning | 719 E 16th Ave, Cordele, GA, 31015-1513 | 35.7 | |
| State Farm | Ginger Starlin | 1558 E Forsyth Street, Americus, GA, 31709-3836 | 34.1 |
Compare Rates for Albany, GA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $740 | $1,450 | $710 |
| Dougherty County, GA | $102,100 | $735 | $500 | $1,050 | $550 |
| Albany, GA | $101,000 | $729 | $500 | $1,010 | $510 |
| Poulan, GA | $91,800 | $649 | $470 | $900 | $430 |
| Morgan, GA | $67,800 | $538 | $390 | $760 | $370 |
| Shellman, GA | $84,500 | $652 | $460 | $930 | $470 |
| Ashburn, GA | $73,900 | $582 | $420 | $830 | $410 |
| Plains, GA | $73,300 | $578 | $400 | $790 | $390 |
| Arabi, GA | $83,400 | $645 | $430 | $910 | $480 |
| Spence, GA | $120,700 | $855 | $580 | $1,170 | $590 |
| Ellaville South, GA | $103,900 | $768 | $510 | $1,070 | $560 |
| Ellaville, GA | $93,900 | $711 | $480 | $980 | $500 |
Research Home Insurance Companies Reviews in Albany, GA Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: October 10, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
The premium and deductible of of Progressive is much better than Esurance. I would give Progressive a 4 and Esurance a 2. It could still be improved though.
American Home Shield Home Insurance Reviews
Date: December 29, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I had a woman compare prices and plans and sign me up for the company offering the best rate at the time.
Allstate Home Insurance Reviews
Date: October 18, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The deductible for the plan I chose with All State for my home insurance was the same if not slightly less than other insurance companies.
Georgia Farm Bureau Insurance Home Insurance Reviews
Date: July 06, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
I would rate our insurance company's customer service level as a 5. Never had a problem. Easy to make payments, simple to understand plan, and no frills make it a simple choice for our family.
State Farm Home Insurance Reviews
Date: August 14, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
extremely easy to navigate and informative. I wouldn't change a thing. It's always a real pleasure to find information without a hassle. Thank you for making it so quick and easy.
Farmer's Insurance Home Insurance Reviews
Date: September 05, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
Overall I am reasonably happy with my home owners insurance with farmers. While i've heard of better pricing at other places, I like to stick to what i know.I would given them a 3/5 being the middle point of the rating system.