Gavop's guide to buying homeowners insurance in Irwin County, 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 | $40,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $81,500 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $97,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $216,500 | $190,000 | $175,000-$200,000 |
| 5 Bedroom | $252,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$94 | $493 |
| Superior Protection Discount | -$59 | $528 |
| Fire & Security Discount | -$47 | $540 |
| Hail Resistant Roof Discount | -$12 | $575 |
| Newly Constructed Home Discount | -$129 | $458 |
| 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 |
| Irwin County | $2,000 | $580 | $2,580 | $421 | $2,421 | $158 |
| Irwin County, GA | $2,000 | $580 | $2,580 | $421 | $2,421 | $158 |
| Fitzgerald, GA | $200 | $579 | $779 | $421 | $621 | $158 |
| Denton, GA | $2,000 | $430 | $2,430 | $312 | $2,312 | $117 |
| McRae-Helena, GA | $200 | $435 | $635 | $316 | $516 | $119 |
| Axson, GA | $1,500 | $468 | $1,968 | $340 | $1,840 | $128 |
| Scotland, GA | $100 | $326 | $426 | $237 | $337 | $89 |
| Berlin, GA | $1,500 | $431 | $1,931 | $313 | $1,813 | $118 |
| Doerun, GA | $100 | $607 | $707 | $441 | $541 | $166 |
| Barretts, GA | $1,000 | $815 | $1,815 | $592 | $1,592 | $223 |
| Barney, GA | $200 | $745 | $945 | $541 | $741 | $204 |
| Vienna, GA | $2,500 | $648 | $3,148 | $471 | $2,971 | $177 |
| Home Insurance Company Irwin County, GA | Homeowners Insurance Agency Irwin County, GA | Address | Popularity Score | Distance from Irwin County (miles) |
|---|---|---|---|---|
| Allstate | Coley Insurance | 231 Broad St, Hawkinsville, GA, 31036 | 48.1 | |
| Travelers | Cape Insurance Services | 1329 E Union St, Vienna, GA, 31092 | 44.1 | |
| State Farm | Derek Hutcheson | 405 Main St, Eastman, GA, 31023-6245 | 41.2 | |
| State Farm | Courtnie Parrish | 207 W 4th St, Ocilla, GA, 31774-1403 | 1.6 | |
| Travelers | The Portier-King Agency | 121 N Cherry St, Ocilla, GA, 31774 | 1.8 | |
| Travelers | The Portier-King Agency | 121 N Cherry St, Ocilla, GA, 31774 | 1.8 | |
| State Farm | Danny Ross | 1109 Madison Ave N, Douglas, GA, 31533-2803 | 25.9 | |
| Allstate | Rutherford Ins Agy | 401 North Grant Street, Fitzgerald, GA, 31750 | 8.0 | |
| Travelers | The Farmers Agency Inc | 114 N Johnson St, Ashburn, GA, 31714 | 23.1 | |
| Allstate | Citizens Agency | 121 N 3rd St, Vienna, GA, 31092 | 45.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $730 | $1,410 | $680 |
| Irwin County, GA | $81,200 | $587 | $420 | $810 | $390 |
| Irwin County, GA | $81,200 | $587 | $430 | $800 | $370 |
| Fitzgerald, GA | $81,100 | $586 | $430 | $800 | $370 |
| Denton, GA | $54,200 | $435 | $310 | $620 | $310 |
| McRae-Helena, GA | $54,900 | $440 | $290 | $600 | $310 |
| Axson, GA | $59,200 | $474 | $350 | $670 | $320 |
| Scotland, GA | $41,700 | $330 | $220 | $470 | $250 |
| Berlin, GA | $54,400 | $436 | $310 | $620 | $310 |
| Doerun, GA | $78,600 | $614 | $450 | $850 | $400 |
| Barretts, GA | $150,200 | $825 | $590 | $1,140 | $550 |
| Barney, GA | $101,300 | $754 | $540 | $1,050 | $510 |
| Vienna, GA | $106,300 | $656 | $470 | $930 | $460 |