Gavop's guide to buying homeowners insurance in Effingham 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 | $61,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $164,500 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $150,500 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $251,000 | $230,000 | $250,000-$300,000 |
| 5 Bedroom | $385,000 | $310,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$154 | $807 |
| Superior Protection Discount | -$86 | $874 |
| Fire & Security Discount | -$77 | $884 |
| Hail Resistant Roof Discount | -$19 | $942 |
| Newly Constructed Home Discount | -$269 | $692 |
| 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 |
| Effingham County | $2,500 | $949 | $3,449 | $690 | $3,190 | $259 |
| Effingham County, GA | $1,500 | $949 | $2,449 | $690 | $2,190 | $259 |
| Effingham County, GA | $500 | $949 | $1,449 | $690 | $1,190 | $259 |
| Guyton, GA | $1,500 | $902 | $2,402 | $656 | $2,156 | $247 |
| Bloomingdale, GA | $200 | $920 | $1,120 | $668 | $868 | $251 |
| Jasper County, SC | $700 | $737 | $1,437 | $536 | $1,236 | $201 |
| Scotia, SC | $400 | $422 | $822 | $307 | $707 | $115 |
| Estill, SC | $2,000 | $813 | $2,813 | $591 | $2,591 | $222 |
| Rocky Ford, GA | $400 | $741 | $1,141 | $539 | $939 | $203 |
| Talahi Island, GA | $2,000 | $1,438 | $3,438 | $1,045 | $3,045 | $393 |
| Skidaway Island, GA | $400 | $1,105 | $1,505 | $803 | $1,203 | $302 |
| Allenhurst, GA | $700 | $850 | $1,550 | $617 | $1,317 | $232 |
| Home Insurance Company Effingham County, GA | Homeowners Insurance Agency Effingham County, GA | Address | Popularity Score | Distance from Effingham County (miles) |
|---|---|---|---|---|
| Allstate | Terry Carter | 215 W Collins St, Pooler, GA, 31322 | 17.8 | |
| State Farm | Sam Sharpe | 9100 White Bluff Rd Ste 102, Savannah, GA, 31406-4673 | 28.3 | |
| Travelers | Dewitt Insurance | 5877 Hwy 21 South, Rincon, GA, 31326 | 10.2 | |
| Liberty Mutual Independent | Seacrest Partners Inc | 1001 Whitaker St, Savannah, GA, 31401 | 25.0 | |
| Travelers | Burns Insurance | 5763 Hwy 21 South, Rincon, GA, 31326 | 10.0 | |
| Liberty Mutual Independent | Remer Lane Insurance | 8401 Waters Ave, Savannah, GA, 31406 | 28.9 | |
| Allstate | James C Grusheski | 401 Eisenhower Dr, Savannah, GA, 31406 | 28.1 | |
| State Farm | Erica Herndon | 3228 Skidaway Rd, Savannah, GA, 31404-4961 | 27.7 | |
| State Farm | Joseph Grant | 101 E Oglethorpe Hwy, Hinesville, GA, 31313-3603 | 38.3 | |
| State Farm | Ronnie Brooks | 104 E 1st St, Springfield, GA, 31329-6822 | 2.0 |
| 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 | $1,390 | $690 |
| Effingham County, GA | $155,500 | $961 | $650 | $1,320 | $670 |
| Effingham County, GA | $155,500 | $961 | $650 | $1,330 | $680 |
| Effingham County, GA | $155,500 | $961 | $660 | $1,370 | $710 |
| Guyton, GA | $133,300 | $913 | $620 | $1,260 | $640 |
| Bloomingdale, GA | $137,500 | $931 | $630 | $1,330 | $700 |
| Jasper County, SC | $130,700 | $746 | $510 | $1,060 | $550 |
| Scotia, SC | $65,000 | $427 | $290 | $590 | $300 |
| Estill, SC | $73,100 | $823 | $560 | $1,170 | $610 |
| Rocky Ford, GA | $100,700 | $750 | $510 | $1,040 | $530 |
| Talahi Island, GA | $335,500 | $1,455 | $1,050 | $2,020 | $970 |
| Skidaway Island, GA | $474,200 | $1,118 | $820 | $1,580 | $760 |
| Allenhurst, GA | $121,700 | $860 | $590 | $1,190 | $600 |