How Can I Make My Augusta, GA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Augusta, 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 Augusta, GA Home Insurance Coverage Levels | Back to Top
| Augusta, 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 | |
| Beacon Hill, Rutherford Ave, Forest Ridge Pl, Whistler Ln, Bellevue Ave, E Chapman St, 1101, Tin Cup Ln, Antebellum Dr, Heath St | $216,500 | $190,000 | $175,000-$200,000 | $194,500 | $180,000 | $200,000-$250,000 |
| Hillwood Ct, Brenda Ct, Sherman St, Kirk Pl, Overton Rd, Anthony Rd, Birnam Pl, Balkcom Ct, Keeling Pl, Rosalie St | $127,000 | $110,000 | $125,000-$150,000 | $125,500 | $100,000 | $125,000-$150,000 |
| Glenn Hills Cir, Springwood Ct W, Country Club Ct, Markwood Pl, Dugas St, Blueberry Cir, Westside Dr, Peachtree Rd, Freeman Ct, 10th St | $168,000 | $150,000 | $125,000-$150,000 | $114,500 | $90,000 | $75,000-$100,000 |
| Powell Rd, Dearing St, 2113, Arabian Horse Rd, Greens Ln, Sapelo Cir, Dennis Rd, Martin Rd, Canebrake Ct, Busbia Ave | $118,000 | $100,000 | $125,000-$150,000 | $66,000 | $60,000 | $50,000-$75,000 |
| Clay Hill Rd, Warsaw Ct, Hemlock Dr, Scott St, Forest Creek Ct, Willowood Rd, Colony Park Dr, Swanns Ln, Bolt Dr, Albemarle Ct | $90,500 | $80,000 | $75,000-$100,000 | $93,000 | $80,000 | $75,000-$100,000 |
| Southwick Rd, April Dr, Branch St, Young Forest Dr, Champagne Ave, Bethel Pl, Linden St, Innisbrook Dr, Hillcrest Ave, Summer Valley Way | $278,500 | $260,000 | $300,000-$350,000 | $228,000 | $200,000 | $250,000-$300,000 |
| Graymont Dr, 6th Ave, Crescent Ct, Harrison Dr, Lee St, Johnson Ave, Lake Forest Dr, Center West Pkwy, Old Church Rd, Woodstone Pl | $138,500 | $130,000 | $125,000-$150,000 | $65,500 | $50,000 | $50,000-$75,000 |
| Howe St, Magnolia Dr, Knox Ave, Dorchester Dr, Fawn Ct, Trafalgar Dr, Jonathan Cir, Sprucewood Dr, State Rte 415, Hobson Ct | $123,000 | $120,000 | $100,000-$125,000 | $66,000 | $60,000 | $50,000-$75,000 |
| Baker St, Dublin Ct, Agnes St, Dover St, F Ct, Jewel Dr, Bobby Jones Expy, Pine St, Glenwood Dr, Harding Rd | $144,500 | $120,000 | $150,000-$175,000 | $122,500 | $110,000 | $125,000-$150,000 |
| Myrtle Ct, Ohio Ave, Allen St, Wake Edge Dr, New Savannah Rd, Bulla St E, Fairhope St, Claussen Rd, Joanne Cir, Cabana Ct | $79,500 | $70,000 | $50,000-$75,000 | $95,000 | $90,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Augusta, GA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $605 |
| Superior Protection Discount | -$73 | $656 |
| Fire & Security Discount | -$80 | $649 |
| Hail Resistant Roof Discount | -$22 | $708 |
| Newly Constructed Home Discount | -$160 | $569 |
Choose the Right Deductible for your Augusta, 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 |
| Richmond County | $1,500 | $716 | $2,216 | $520 | $2,020 | $196 |
| Augusta, GA | $700 | $721 | $1,421 | $524 | $1,224 | $197 |
| Harlem, GA | $500 | $796 | $1,296 | $579 | $1,079 | $218 |
| Snelling, SC | $500 | $408 | $908 | $297 | $797 | $112 |
| Norris, GA | $300 | $510 | $810 | $370 | $670 | $139 |
| Mount Carmel, SC | $2,500 | $1,193 | $3,693 | $867 | $3,367 | $326 |
| Jenkins County, GA | $200 | $810 | $1,010 | $589 | $789 | $221 |
| Wadley, GA | $2,000 | $536 | $2,536 | $390 | $2,390 | $147 |
| Gilbert, SC | $200 | $905 | $1,105 | $657 | $857 | $247 |
| Greenwood County, SC | $1,500 | $766 | $2,266 | $556 | $2,056 | $209 |
Identify Top Home Insurance Agents near Augusta, GA | Back to Top
| Home Insurance Company Augusta, GA | Homeowners Insurance Agency Augusta, GA | Address | Popularity Score | Distance from Augusta (miles) |
|---|---|---|---|---|
| Travelers | Achs Insurance | 1229 Augusta W Pkwy, Augusta, GA, 30919 | 6.5 | |
| State Farm | Todd Brown | 4484 Columbia Rd, Martinez, GA, 30907-4253 | 9.9 | |
| State Farm | Melissa Gordon | 1030 Jimmie Dyess Pkwy Ste 5, Augusta, GA, 30909-9158 | 8.8 | |
| Allstate | Quincy Murphy | 3107 Deans Bridge Rd, Augusta, GA, 30906 | 5.8 | |
| State Farm | Chris Douse | 2100 Central Ave Ste D4, Augusta, GA, 30904-6717 | 2.2 | |
| Travelers | Rhodes Murphy Financial Services Inc | 4324 Washington Rd Ste 103, Evans, GA, 30809 | 9.8 | |
| State Farm | Beau Brandenburg | 4414 Evans To Locks Rd Ste 4, Evans, GA, 30809-6106 | 9.8 | |
| State Farm | Hoke Brantley | 2501 Wrightsboro Rd, Augusta, GA, 30904-7810 | 3.2 | |
| Allstate | Lance Ellis | 1557 Gordon Hwy Ste D, Augusta, GA, 30906 | 3.5 | |
| State Farm | Matt Dale | 1745 Gordon Hwy, Augusta, GA, 30904-5129 | 4.0 |
Compare Rates for Augusta, 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 | $1,440 | $700 |
| Richmond County, GA | $100,200 | $725 | $520 | $1,010 | $490 |
| Augusta, GA | $101,000 | $729 | $530 | $1,040 | $510 |
| Harlem, GA | $111,000 | $806 | $540 | $1,110 | $570 |
| Snelling, SC | $63,300 | $413 | $280 | $580 | $300 |
| Norris, GA | $64,800 | $516 | $370 | $730 | $360 |
| Mount Carmel, SC | $193,600 | $1,207 | $830 | $1,730 | $900 |
| Jenkins County, GA | $59,100 | $820 | $570 | $1,130 | $560 |
| Wadley, GA | $68,500 | $543 | $360 | $750 | $390 |
| Gilbert, SC | $168,300 | $916 | $630 | $1,250 | $620 |
| Greenwood County, SC | $116,300 | $775 | $550 | $1,100 | $550 |
Research Home Insurance Companies Reviews in Augusta, GA Before Buying | Back to Top
Share a review on your home insurance company
Nationwide Home Insurance Reviews
Date: September 04, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
I find the policies a bit favorable to my current financial situation,i like the policies because i can be able to fit in perfectly ,other insurance companies policies in proximity are bit hard to comply with.
Date: July 03, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
It seems that the prices often go up, without explanation. We just get a new bill that is higher. We have compared and all insurance companies do seem to be high.
Date: November 24, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I would rate my premiums and deductibles as a 5. I do not have any premiums or copays, so it makes it very easy to be able to get the medical treatment and prescriptions needed when necessary.
Date: October 04, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Website/App
I have to admit that I do not have the mobile app and have never seen it. I do have one on my phone for my auto insurance, in case of an accident, but I do not have it for my homeowner's insurance.
Date: September 29, 2018 Age: Above 60 Gender: Male Marital Status: Married
Communication
I really never hear from them. My mortgage company pays my premium out of my escrow account. Since I've never had to file a claim, I haven't had interaction with them.
Date: August 09, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Premium
I feel like my premium is average. My policy expires in December and I will, at that time, do a little shopping around to see if I can find anything less expensive.
Date: July 25, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I have not ever had to file a claim for my homeowner's insurance so I have not dealt with Nationwide's customer service yet.
Date: November 19, 2017 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
As far as I know, all structures are covered. I know appliances, etc are not covered, but flooding, wind damage, etc. Roof, all of those types of things are.
State Farm Home Insurance Reviews
Date: September 17, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
My current insurance company is a little cheaper than most and it covers a little less. However, I like that I have the option to pay less if I want to.
Date: March 07, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
Compared to other Insurance providers, I am extremely satisfied with State Farm policy offerings. I would give them a 5 rating, because they offer more options than most insurance companies.
Date: February 26, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
The home insurance company's customer service was very good. I am fully satisfied with this customer service. They are really calm and clear. I am very comfortable with my home insurance customer service.
Date: January 18, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
I feel that my insurance policy covers all that I really need it to cover. I feel that what it covers it comparable to other coverage; any additional coverage would probably cost more, if I needed anything else.
Date: December 11, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
State Farm has been a very loyal company. We have had to make a couple of claims and they have been responsive and forth coming.
Date: October 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Website/App
I like the website/app to my home insurance company. Their website is easy to use and browse. If I have questions or can't find what I'm looking for, there is always a "chat" button available to speak with an agent.
American Home Shield Home Insurance Reviews
Date: September 17, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Communication
Pretty good overall. They communicate well and offer me the flexible assistance that I need to get the relevant info for my policy.
Date: September 02, 2018 Age: Above 60 Gender: Female Marital Status: Married
Policy Offerings
My policy covers a number of things, including damage due to storm, wind, lightning, vehicle, and liability insurance for others getting injured on my property.
Date: August 07, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
They are friendly and reasonable, I've always been able to get my questions addressed, even if it's not the answer I'm looking for.
Date: July 31, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
It's fairly convenient and easy for me to see my policy at a glance. I don't want to spend too much time dealing with this stuff, so I like to get the info quickly.
Date: November 19, 2017 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I could definitely switch, as my current company has slowly increased premiums over the past few years.
Universal Property & Casualty Insurance Company Home Insurance Reviews
Date: September 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
PROTECTION AGAINST COVERED PERILS SUCH AS WIND, HAIL, LIGHTING OR FIRE.
LEGAL PROTECTION FOR CLAIMS FOR FROM ACCIDENTS TO OTHERS.
Date: August 24, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Communication
BEST CUSTOMER SERVICE ,UNDERWRITERS ARE ALWAYS AVAILABLE, CLAIMS QUICKLY AND PERSONAL ATTENTION.
Date: May 03, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
PREMIUM ALSO VERY LOW AND SAME COVERAGE OTHER INSURANCE COMPANY OFFER.
Progressive Home Insurance Reviews
Date: September 11, 2019 Age: Above 60 Gender: Female Marital Status: Married
Policy Offerings
I am delighted that this policy offers everything that others offer but gives me the option of a deductible instead of a percentage for loss due to named storms. This is potentially a big monetary savings in the event of the need to file a claim.
Date: March 28, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
thier premium was very reasonable. their deductible is what i expect for it being the cheapest, i did not do an exhaustive search before i purchased my home insurance
Country Financial Home Insurance Reviews
Date: February 26, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I think the biggest advantage to my insurance company is that I have an agent that knows and cares about my family. He works hard to make sure I am well insured and that all of my questions are answered.
GEICO Home Insurance Reviews
Date: December 24, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
In terms of offerings from my insurance company compared to others I have not been able to find a cheaper rate for the amount of offerings I receive. I would give them a score of 5