Gavop's guide to buying homeowners insurance in Wilmington Island, GA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $74,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $226,000 | $180,000 | $200,000-$250,000 |
| 3 Bedroom | $301,500 | $250,000 | $250,000-$300,000 |
| 4 Bedroom | $420,000 | $360,000 | $350,000-$400,000 |
| 5 Bedroom | $255,000 | $210,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$157 | $717 |
| Superior Protection Discount | -$79 | $795 |
| Fire & Security Discount | -$96 | $778 |
| Hail Resistant Roof Discount | -$26 | $848 |
| Newly Constructed Home Discount | -$253 | $620 |
| 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 |
| Chatham County | $1,500 | $989 | $2,489 | $718 | $2,218 | $270 |
| Wilmington Island, GA | $1,500 | $863 | $2,363 | $627 | $2,127 | $236 |
| Talahi Island, GA | $300 | $1,438 | $1,738 | $1,045 | $1,345 | $393 |
| Dutch Island, GA | $2,000 | $2,045 | $4,045 | $1,486 | $3,486 | $559 |
| Georgetown, GA | $500 | $857 | $1,357 | $623 | $1,123 | $234 |
| Pooler, GA | $2,000 | $811 | $2,811 | $590 | $2,590 | $222 |
| Bloomingdale, GA | $100 | $920 | $1,020 | $668 | $768 | $251 |
| Jasper County, SC | $2,000 | $737 | $2,737 | $536 | $2,536 | $201 |
| Laurel Bay, SC | $500 | $684 | $1,184 | $497 | $997 | $187 |
| Beaufort, SC | $2,500 | $898 | $3,398 | $653 | $3,153 | $246 |
| St. Helena Island, SC | $200 | $957 | $1,157 | $696 | $896 | $262 |
| Allenhurst, GA | $2,500 | $850 | $3,350 | $617 | $3,117 | $232 |
| Home Insurance Company Wilmington Island, GA | Homeowners Insurance Agency Wilmington Island, GA | Address | Popularity Score | Distance from Wilmington Island (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Seacrest Partners Inc | 1001 Whitaker Street, Savannah, GA, 31401 | 8.5 | |
| State Farm | Sam Sharpe | 9100 White Bluff Rd Ste 102, Savannah, GA, 31406-4673 | 8.8 | |
| Nationwide | Kingery & Company | 7505 Waters Ave Ste D-6, Savannah, GA, 31406-3818 | 7.4 | |
| Liberty Mutual Independent | Seacrest Partners Inc | 1001 Whitaker St, Savannah, GA, 31401 | 8.4 | |
| State Farm | Melissa Ray | 119 Ryon Ave, Hinesville, GA, 31313-3623 | 38.0 | |
| State Farm | Meridth Lamas | 329 Eisenhower Dr, Savannah, GA, 31406-2617 | 7.6 | |
| State Farm | Erica Herndon | 3228 Skidaway Rd, Savannah, GA, 31404-4961 | 5.9 | |
| State Farm | Joseph Grant | 101 E Oglethorpe Hwy, Hinesville, GA, 31313-3603 | 37.6 | |
| Liberty Mutual Independent | Stevens Hale & Associates | 7391 Hodgson Memorial Dr Suite 200, Savannah, GA, 31416 | 8.1 | |
| State Farm | Ronnie Brooks | 104 E 1st St, Springfield, GA, 31329-6822 | 32.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $700 | $1,440 | $740 |
| Chatham County, GA | $177,900 | $1,001 | $690 | $1,430 | $740 |
| Wilmington Island, GA | $238,100 | $874 | $600 | $1,200 | $600 |
| Talahi Island, GA | $335,500 | $1,455 | $1,030 | $2,070 | $1,040 |
| Dutch Island, GA | $460,600 | $2,070 | $1,430 | $2,940 | $1,510 |
| Georgetown, GA | $164,400 | $868 | $620 | $1,190 | $570 |
| Pooler, GA | $206,200 | $821 | $580 | $1,170 | $590 |
| Bloomingdale, GA | $137,500 | $931 | $620 | $1,280 | $660 |
| Jasper County, SC | $130,700 | $746 | $510 | $1,070 | $560 |
| Laurel Bay, SC | $120,300 | $692 | $480 | $980 | $500 |
| Beaufort, SC | $210,700 | $909 | $610 | $1,260 | $650 |
| St. Helena Island, SC | $232,600 | $969 | $710 | $1,390 | $680 |
| Allenhurst, GA | $121,700 | $860 | $590 | $1,220 | $630 |